Many aspects of our business involve substantial risks of legal and regulatory liability. In the normal course of business, we have been named as defendants or co-defendants in lawsuits involving primarily claims for damages. We are also involved in a number of judicial and regulatory matters, including exams, investigations and similar reviews, arising out of the conduct of our business. Based on currently available information, we do not believe that any matter will have a material adverse effect on our consolidated financial statements. Included among those matters were certain legal proceedings that, for prior quarters, we listed in this section. Because, as noted in those filings, we believe those matters will have no material adverse effect on our financial statements, we have removed them.