923473--6/7/2006--PALM_HARBOR_HOMES_INC_/FL/

related topics
{customer, product, revenue}
{debt, indebtedness, cash}
{stock, price, operating}
{gas, price, oil}
{capital, credit, financial}
{personnel, key, retain}
{system, service, information}
{cost, regulation, environmental}
{loan, real, estate}
{condition, economic, financial}
Financing for our retail customers may be limited, which could affect our sales volume. If CountryPlace is unable to adequately and timely service its loans, it may adversely affect its results of operations. If CountryPlace s customers are unable to repay their loans, CountryPlace may be adversely affected. If CountryPlace is unable to continue to securitize its loans, it will be required to seek other sources of long-term funding, which funding may not be available. Increased prices and unavailability of raw materials could have a material adverse effect on us. Reduced availability of wholesale financing may adversely affect our inventory levels of new homes. Our repurchase agreements with floor plan lenders could result in increased costs. We are dependent on our principal executive officer and the loss of his service could adversely affect us. We are controlled by two shareholders, who may determine the outcome of all elections. If inflation increases, we may not be able to offset inflation through increased selling prices. If our retail customers are unable to obtain insurance for factory-built homes, our sales volume and results of operations may be adversely affected. Our business is highly cyclical and there may be significant fluctuations in our quarterly results. We are concentrated geographically, which could harm our business. We are a limited partner in BSM Financial, L.P. and if its business is adversely affected, our results of operations may also be adversely affected.

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