Our major market risk exposure is potential losses arising from changing rates and prices regarding interest rate risk and credit risk. The audit committee of our Board regularly reviews interest rate activity and monitors compliance with our hedging policy. We do not use financial instruments for speculative purposes, and we limit our hedging activity to the underlying economic exposure. There have been no material changes in the interest rate risk or credit risk discussed in Item 7A., “Quantitative and Qualitative Disclosures about Market Risk,” included in our Annual Report on Form 10-K.