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[ "NOTES TO THE FINANCIAL STATEMENTS", "Finance receivables that originated outside the U.S. were $52.7 billion and $47.5 billion at December 31, 2004 and 2003, ", "respectively. Other finance receivables consisted primarily of real estate, commercial and other collateralized loans and ", "accrued interest. ", "Included in net finance and other receivables at December 31, 2004 and 2003 were $16.9 billion and $14.3 billion, ", "respectively, of receivables that have been sold for legal purposes to consolidated securitization SPEs and are available only ", "for repayment of debt issued by those entities, and to pay other securitization investors and other participants; they are not ", "available to pay our other obligations or the claims of our other creditors.", "Future maturities, exclusive of the effects of SFAS No. 133, ", "Accounting for Derivative Instruments and Hedging Activities", ", of ", "total finance receivables including minimum lease rentals are as follows (in billions): 2005 - $64.7; 2006 - $24.3;", "2007 - $13.9; thereafter - $10.1. Experience indicates that a substantial portion of the portfolio generally is repaid before", "the contractual maturity dates. ", "Finance receivables subject to fair value at December 31, 2004 and 2003 were $106.2 billion and $102.0 billion, ", "respectively. The fair value of these finance receivables at December 31, 2004 and 2003 was $106.4 billion and", "$103.8 billion, respectively.", "Included in retail receivables above are investments in direct financing leases. The net investment at December 31 was as", "follows (in millions):", "follows (in millions):", "2004", "2003", "4,972", "Total minimum lease rentals to be received", "$", "$ ", "5,532", "(758)", "Less:", "Unearned income", "(972)", "50", "Loan origination costs", "42", "3,367", "Estimated residual values", "4,017", "(82)", "Less:", "Allowance for credit losses", "(139)", "7,549", "Net investment in direct financing leases", "$", "$ ", "8,480", "The investment in direct financing leases relates to the leasing of vehicles, various types of transportation and other equipment ", "and facilities. Future maturities of minimum lease rentals, as included above, are as follows (in billions): 2005 - $2.1;", "2006 - $1.5; 2007 - $1; thereafter - $0.4.", "NOTE 11. NET INVESTMENT IN OPERATING LEASES – FINANCIAL SERVICES SECTOR", "The net investment in operating leases at December 31 was as follows (in millions):", "2004", "2003", "41,545", "Vehicles and other equipment, at cost", "$", "$", "44,098", "(9,477)", "Accumulated depreciation", "(11,615)", "(305)", "Allowances for credit losses", "(624)", "31,763", "Net investment in operating leases", "$", "$", "31,859", "Included in net investment in operating leases at December 31, 2004 were interests in operating leases and the related vehicles ", "of about $2.5 billion that have been transferred for legal purposes to consolidated securitization SPEs and are available only ", "for repayment of debt issued by those entities, and to pay other securitization investors and other participants; they are not ", "available to pay our other obligations or the claims of our other creditors.", "Minimum rentals on operating leases are contractually due as follows:", "2005 - $4.7 billion; 2006 - $2.2 billion;", "2007 - $1.3 billion; 2008 - $548 million; 2009 - $135 million; thereafter - $407 million. ", "Assets subject to operating leases are depreciated primarily on the straight-line method over the term of the lease to reduce ", "the asset to its estimated residual value. Estimated residual values are based on assumptions for used vehicle prices at lease ", "termination and the number of vehicles that are expected to be returned. Operating lease depreciation expense (which includes ", "gains and losses on disposal of assets) was $6.4 billion in 2004, $8.5 billion in 2003, and $9.9 billion in 2002.", "7", "1" ]

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[ "While the success of the ", "Grand Theft", "attention to detail and ability to recognize", "Auto", "franchise is extremely rewarding,", "what makes games compelling.", "creating a blockbuster of this magnitude", "Rockstar’s unique market position is com-", "also affords Take-Two an invaluable base", "plemented by Gathering’s focus on pub-", "of knowledge and expertise. During fiscal", "lishing premium and mid-priced products", "2003, Take-Two took significant steps to", "on PC, console and handheld platforms.", "share and leverage internal resources and", "We firmly believe demand for our premi-", "experiences to create a more integrated", "um priced games such as ", "Grand Theft", "and seamless publishing operation. Our", "Auto, Max Payne, Midnight Club,", "Rockstar Games, Gathering and Global", "Manhunt, ", "and", "Mafia", "will continue to grow", "Star Software publishing labels have been", "as the installed base of video game plat-", "streamlined to tap Rockstar’s knowledge, ", "forms increases – creating more con-", "sumers for our products.", "Global", "Star", "Additionally, with gradual reductions in", "hardware pricing and the resulting", "Global", "Star Software publishes value-priced", "increased penetration of video game plat-", "entertainment", "software across all platforms.", "forms, there is a much greater opportuni-", "Cor", "Global Star franchises include the hit", "ty to attract a more diverse and, at times,", "Outlaw", "sports series (under license from", "price conscious gamer. Jack of All", "MTV);the", "Tycoon", "franchise, including ", "School", "Games’ success in distributing budget-", "Tycoon", ", ", "Airport Tycoon 3", "and ", "Mall Tycoon 2", ";", "priced titles has proven that the value", "Motocr", "oss", "Mania", "; and ", "Army Men", ". In addition", "segment of the software market is a desir-", "to", "original content, Global Star manages the", "able long-term business. Accordingly, our", "jewel", "case and value compilation business for", "Global Star label is publishing games that", "all Take-T", "wo PC products. ", "combine value pricing with compelling", "game play and is distributing these titles", "exclusively through Jack of All Games,", "4" ]

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[ "been designated as cash flow hedges, had maturities of five", "employees), hourly job rates or specified benefit rates", "years or less as of December 31, 2004. For the years ended", "(hourly and union employees).", "December 31, 2004, 2003 and 2002, net unrealized gains", "totaling $72 million, $53 million and $49 million after taxes", "International Paper makes contributions that are sufficient to", "and minority interest, respectively, were recorded to OCI. Net", "fully fund its actuarially determined costs, generally equal to", "gains after taxes and minority interest of $26 million, $41", "the minimum amounts required by the Employee Retirement", "million and $14 million were reclassified to earnings for the", "Income Security Act (ERISA). International Paper made no", "years ended December 31, 2004, 2003 and 2002,", "contribution in 2003 or 2004, and does not expect to make", "respectively. Of the net gains reclassified to earnings in 2004,", "any contributions in 2005 or 2006, to the qualified defined", "$6 million related to hedges that are no longer probable. As", "benefit plan. The nonqualified plan is only funded to the", "of December 31, 2004, gains of $40 million after taxes and", "extent of benefits paid which are expected to be $21 million", "minority interest are expected to be reclassified to earnings in", "in 2005.", "2005. Other contracts are used to offset the earnings impact", "relating to the variability in exchange rates on certain short-", "Net Periodic Pension Expense (Income)", "term monetary assets and liabilities denominated in non-", "functional currencies and are not designated as hedges.", "Service cost is the actuarial present value of benefits", "Changes in the fair value of these instruments, recognized", "attributed by the plans’ benefit formula to services rendered", "currently in earnings to offset the remeasurement of the", "by employees during the year. Interest cost represents the", "related assets and liabilities, were not significant.", "increase in the projected benefit obligation, which is a", "discounted amount, due to the passage of time. The expected", "International Paper does not hold or issue financial", "return on plan assets reflects the computed amount of", "instruments for trading purposes. The counterparties to swap", "current year earnings from the investment of plan assets", "agreements and foreign exchange contracts consist of a", "using an estimated long-term rate of return.", "number of major international financial institutions.", "Net periodic pension expense (income) for qualified and", "International Paper continually monitors its positions with", "nonqualified U.S. defined benefit plans comprised the following:", "and the credit quality of these financial institutions and does", "not expect nonperformance by the counterparties.", "2004)", "2003)", "2002)", "In millions", "NOTE 14 CAPITAL STOCK", "Service cost", "$ 115", ")", "$", "107)", "$", "96)", "Interest cost", "467", ")", "469)", "466)", "The authorized capital stock at both December 31, 2004 and", "Expected return on plan assets", "(592)", "(598)", "(663)", "2003 consisted of 990,850,000 shares of common stock, $1", "Actuarial loss", "94", ")", "57)", "7)", "par value; 400,000 shares of cumulative $4 preferred stock,", "Amortization of prior service ", "without par value (stated value $100 per share); and", "cost", "27", ")", "25)", "19)", "8,750,000 shares of serial preferred stock, $1 par value. The", "Net periodic pension expense ", "serial preferred stock is issuable in one or more series by the", "(income) (a)", "$ 111", ")", "$", "60)", "$", "(75)", "Board of Directors without further shareholder action.", "(a)", "Excludes $3.4 million, $8.3 million and $2.6 million in 2004,", "2003 and 2002, respectively, in curtailment losses, and $1.4", "NOTE 15 RETIREMENT PLANS", "million, $6.3 million and $2.4 million in 2004, 2003 and 2002,", "respectively, of special termination benefits, in connection with a", "U.S. Defined Benefit Plans", "cost reduction program and facility rationalizations that were", "recorded in Restructuring and other charges in the consolidated", "International Paper maintains pension plans that provide", "statement of operations. Also excludes $0.3 million and $8.8", "retirement benefits to substantially all domestic employees", "million of curtailment losses in 2003 and 2002, respectively, and", "hired prior to July 1, 2004. These employees generally are", "$10.6 million of settlement gains in 2002, related to the", "eligible to participate in the plans upon completion of one", "divestitures of Masonite, Flexible Packaging, Decorative Products", "year of service and attainment of age 21. Employees hired", "and other smaller businesses that were recorded in Net losses", "after June 30, 2004, who are not eligible for this pension plan", "(gains) on sales and impairments of businesses held for sale in", "will receive an additional company contribution to their", "the consolidated statement of operations.", "savings plan (see “Other Plans” on page 74).", "The increase in 2004 U.S. pension expense, and the change", "The plans provide defined benefits based on years of credited", "in 2003 to net pension expense from income in 2002, were", "service and either final average earnings (salaried", "principally due to a reduction in 2003 in the expected long-", "71" ]

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[ "that increase efficiency", "and", "product-", "a senior engineer at Con Edison", "ivity in every area", "of the company.", "of New York, and David Kalokitis of", "Sarnoff Corporation, were named to", "The", "industries that will drive the growth", "the list of “50 Key Information", "of our area", "— financial services,", "Technology Players in Energy” by", "business", "services, communications,", "RaderEnergy, a Houston-based", "health care,", "and technology — are all", "consultancy. Stergiou and Kalokitis", "consuming more", "energy. And the", "were honored for leading the", "telecommunications", "infrastructure that", "development of a system that used", "supports the growing", "technological", "Global Positioning Satellite (GPS)", "sophistication", "of other industries is", "technology to bring a new power", "itself", "evolving into a highly energy-", "substation on line in just four hours", "intensive", "one. As new supplies of", "instead of the normal 72 hours.", "electricity", "become available, and as", "The breakthrough will allow power", "the", "demand for energy in our region", "systems to recover more quickly after", "continues", "to rise, Con Edison will", "unforeseen events.", "continue to reinforc", "its transmission", "and", "delivery", "infrastructure so that it", "On It for the Future", "can accommodate", "the addition of new", "power sources", "and new power users", "Over the next 10 years, residential", "—", "all while maintaining our industry-", "and business customers within Con", "leading reliability.", "Doing so will require", "Edison’s service area will require the", "the", "steady", "commitment of resources,", "delivery of significantly more energy", "time,", "and attention. But these efforts", "than they do today. We are meeting", "will", "be necessary to continue our", "this challenge through increased", "tradition", "of", "excellent service.", "investment in our transmission and", "distribution networks and development", "of new technologies and processes", "Page 14, Left:", "Katherine Boden, chief engineer, reviewing electric operations.", "Center:", "The company’", "s commitment to the community is furthered by the energy and enthusiasm of the many Con", "Edison employees who serve as volunteers.", "Right:", "Each year we invest significant resources", "to maintain our electric system, including upgrading equipment at substations.", "Page 15, Left:", "Norman", "Clarke, mechanic A. To improve the gas system, more than 150,000 feet of gas mains are being replaced.", "Center:", "New businesses are putting down roots in our area and Con Edison is preparing to", "meet their needs.", "Right:", "The needs of future energy users will be met through", "the investments being made today in our transmission and distribution systems.", "Back Cover, Left:", "James Wong,", "customer field representative, checking meters.", "Center Left:", "Our", "commitment is to continue to successfully deliver power to the world‘s most dynamic marketplace.", "Center Right:", "Con Edison", "proudly serves an area that includes the world’s greatest city.", "Right:", "Kevin McGuire,", "senior specialist, Central Field Services, helping to install a new transformer at the World Trade Center substation.", "Con Edison Annual Report 2003", "15" ]

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[ "49", "CONSOLIDA", "TED STATEMENTS OF SHAREHOLDERS EQUITY", "VORNADO REALTY TRUST", "CONSOLIDATED STATEMENTS", "OF SHAREHOLDERS’ EQUITY", "Accumulated", "Distributions", "Other", "Preferred", "Common", "Additional", "in Excess of", "Comprehensive", "Shareholders’ Comprehensive", "Shares", "Shares", "Capital", "Net Income", "Loss", "Other", "Equity", "Income", "(AMOUNTS IN THOUSANDS, EXCEPT PER SHARE AMOUNTS)", "Balance, January 1, 2001", "$ 481,460", "$3,472", "$1,709,284", "$ (90,366)", "$ (20,426)", "$", "(4,704)", "$ 2,078,720", "$ 215,013", "Net Income", "—", "—", "—", "263,738", "—", "—", "263,738", "$ 263,738", "Dividends paid on Preferred Shares", "Series A Preferred Shares", "($3.25 per share)", "—", "—", "—", "(19,505)", "—", "—", "(19,505)", "—", "Series B Preferred Shares", "($2.125 per share)", "—", "—", "—", "(7,225)", "—", "—", "(7,225)", "—", "Series C Preferred Shares", "($2.125 per share)", "—", "—", "—", "(9,775)", "—", "—", "(9,775)", "—", "Dividends paid on common shares", "($2.32 per share)", "—", "—", "—", "(201,813)", "—", "—", "(201,813)", "—", "Dividends payable on common shares", "($.31 per share)", "—", "—", "—", "(30,701)", "—", "—", "(30,701)", "—", "Common shares issued, net of shelf", "registration costs of $260", "—", "391", "376,542", "—", "—", "—", "376,933", "—", "Common shares issued under", "employees’ share plan", "—", "12", "9,947", "—", "—", "—", "9,959", "—", "Conversion of Series A Preferred Shares ", "to common shares", "(13,441)", "15", "13,426", "—", "—", "—", "—", "—", "Redemption of units for common shares", "—", "70", "52,017", "—", "—", "—", "52,087", "—", "Accretion of issuance expenses on ", "preferred shares", "958", "—", "—", "—", "—", "—", "958", "—", "Common shares issued in connection", "with dividend reinvestment plan", "—", "1", "1,296", "—", "—", "—", "1,297", "—", "Change in unrealized net loss", "on securities available for sale", "—", "—", "—", "—", "18,178", "—", "18,178", "18,178", "Deferred compensation shares earned", "but not yet delivered", "—", "—", "—", "—", "—", "38,253", "38,253", "—", "Pension obligations", "—", "—", "—", "—", "(732)", "—", "(732)", "(732)", "Balance, December 31, 2001", "468,977", "3,961", "2,162,512", "(95,647)", "(2,980)", "33,549", "2,570,372", "$ 281,184", "Net Income", "—", "—", "—", "232,903", "—", "—", "232,903", "$ 232,903", "Dividends paid on Preferred Shares", "Series A Preferred Shares", "($3.25 per share)", "—", "—", "—", "(6,167)", "—", "—", "(6,167)", "—", "Series B Preferred Shares", "($2.125 per share)", "—", "—", "—", "(7,225)", "—", "—", "(7,225)", "—", "Series C Preferred Shares", "($2.125 per share)", "—", "—", "—", "(9,775)", "—", "—", "(9,775)", "—", "Net proceeds from issuance of common", "shares", "—", "56", "56,397", "—", "—", "—", "56,453", "—", "Conversion of Series A Preferred", "shares to common shares", "(203,489)", "225", "203,264", "—", "—", "—", "—", "—", "Deferred compensation shares", "—", "2", "2,627", "—", "—", "25,778", "28,407", "—", "Dividends paid on common shares", "($2.97 per share, including $.31", "for 2001)", "—", "—", "—", "(314,419)", "—", "—", "(314,419)", "—", "Reversal of dividends payable on ", "common shares in 2001 ", "($.31 per share)", "—", "—", "—", "30,701", "—", "—", "30,701", "—", "Common shares issued under", "employees’ share plan", "—", "36", "24,349", "—", "—", "—", "24,385", "—", "Redemption of units for common shares", "—", "38", "30,380", "—", "—", "—", "30,418", "—", "Common shares issued in connection", "with dividend reinvestment plan", "—", "2", "1,885", "—", "—", "—", "1,887", "—", "Change in unrealized net loss", "on securities available for sale", "—", "—", "—", "—", "(8,936)", "—", "(8,936)", "(8,936)", "Other non-cash changes, primarily", "pension obligations", "—", "—", "—", "—", "(1,648)", "—", "(1,648)", "(1,648)", "Balance, December 31, 2002", "$ 265,488", "$4,320", "$2,481,414", "$(169,629)", "$ (13,564)", "$59,327", "$ 2,627,356", "$ 222,319", "See notes to consolidated financial statements." ]

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[ "REED ELSEVIER NV", "> NOTES TO THE FINANCIAL STATEMENTS", "12", "Fixed asset investments – parent company", "Fixed asset investments – parent company", "2003", "2002", "m", "m", "€", "€", "Investment in joint ventures", "2,161", "2,161", "13", "Debtors", "Debtors", "2003", "2002", "m", "m", "€", "€", "Joint ventures", "50", "50", "Other accounts receivable", "6", "6", "Total", "56", "56", "Amounts falling due after more than one year are ", "nil (2002: ", "nil). ", "€", "€", "14", "Creditors: amounts falling due within one year", "Creditors: amounts falling due within one year", "2003", "2002", "m", "m", "€", "€", "Proposed dividend", "162", "156", "Taxation", "9", "10", "Other creditors", "3", "1", "Total", "174", "167", "15", "Creditors: amounts falling due after more than one year", "Creditors: amounts falling due after more than one year", "2003", "2002", "m", "m", "€", "€", "Debenture loans", "7", "6", "Taxation", "58", "58", "Other creditors", "–", "1", "Total", "65", "65", "Debenture loans comprise four convertible personnel debenture loans with a weighted average interest rate of 5.2%.", "Depending on the conversion terms, the surrender of ", "227 or ", "200 par value debenture loans qualifies for the acquisition of", "€", "€", "20-50 Reed Elsevier NV ordinary shares.", "100", "REED ELSEVIER ANNUAL REPORTS & FINANCIAL STATEMENTS 2003" ]

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[ "COMBINED FINANCIAL STATEMENTS", "> NOTES TO THE COMBINED FINANCIAL STATEMENTS", "22", "Financial instruments ", "(continued)", "2003", "2002", "Notional", "Notional", "amount", "Book value", "Fair value", "amount", "Book value", "Fair value", "m", "m", "m", "m", "m", "m", "€", "€", "€", "€", "€", "€", "Primary financial instruments held or issued", "to finance operations", "Investments", "58", "58", "90", "90", "Cash", "97", "97", "259", "259", "Short term investments ", "809", "809", "613", "612", "Other financial assets", "33", "33", "31", "31", "Short term borrowings and current portion of", "long term borrowings", "(1,701)", "(1,700)", "(2,091)", "(2,102)", "Long term borrowings", "(2,573)", "(2,702)", "(2,961)", "(3,127)", "Other financial liabilities ", "(19)", "(19)", "(27)", "(27)", "Provisions", "(72)", "(72)", "(109)", "(109)", "(3,368)", "(3,496)", "(4,195)", "(4,373)", "Derivative financial instruments held to manage ", "interest rate and currency exposure", "Interest rate swaps", "1,995", "(10)", "(77)", "1,115", "(14)", "(112)", "Interest rate options", "878", "(6)", "(46)", "1,050", "(6)", "(99)", "Interest rate floors", "71", "–", "–", "230", "–", "–", "Forward rate agreements", "359", "–", "–", "1,481", "–", "(2)", "Forward foreign exchange contracts", "74", "–", "7", "376", "–", "13", "3,377", "(16)", "(116)", "4,252", "(20)", "(200)", "Total financial instruments", "3,377", "(3,384)", "(3,612)", "4,252", "(4,215)", "(4,573)", "The amounts shown as the book value of derivative financial instruments represent accruals or deferred income arising from", "these financial instruments. The fair value of long term debt has been based on current market rates offered to Reed Elsevier", "for debt of the same remaining maturities. The fair values for interest rate swaps, interest rate options and forward rate", "agreements represent the replacement cost calculated using market rates of interest at 31 December 2003 and 2002. The fair", "values of all other items have been calculated by discounting expected future cash flows at market rates.", "Hedges", "The unrecognised and deferred gains and losses on financial instruments used for hedging purposes as at 31 December 2003,", "and before taking into account gains and losses arising in the year and included in the profit and loss account, are derived as", "follows:", "Unrecognised", "Deferred", "Gains", "Losses", "Gains", "Losses", "£m", "£m", "£m", "£m", "On hedges at 1 January 2003", "8", "(126)", "58", "(15)", "Arising in previous years included in 2003 profit and loss account", "(8)", "49", "(30)", "8", "Arising in previous years not included in 2003 profit and loss account", "–", "(77)", "28", "(7)", "Arising in 2003 not included in 2003 profit and loss account", "7", "(1)", "41", "(18)", "On hedges at 31 December 2003", "7", "(78)", "69", "(25)", "Of which:", "Expected to be included in 2004 profit and loss account", "4", "(35)", "44", "(14)", "Expected to be included in 2005 profit and loss account or later", "3", "(43)", "25", "(11)", "REED ELSEVIER ANNUAL REPORTS & FINANCIAL STATEMENTS 2003", "65" ]

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[ "Notes to the Financial Statements (continued) ", "1. ", "Statement of Significant Accounting Policies (continued) ", "(h)", "Inventories ", "(k)", "Taxes ", "Inventories are valued at the lower of cost and net ", "Income Tax ", "realisable value. Costs have been assigned to ", "inventory quantities on hand at balance date using a ", "Income tax has been brought to account using a ", "weighted average basis. ", "method of tax effect accounting whereby income tax ", "expense for the period is calculated on the accounting ", "profit after adjusting for items which, as a result of ", "their treatment under income tax legislation, create ", "(i)", "Intangibles", "permanent differences between that profit and the ", "taxable income. The tax effect of timing differences ", "Goodwill on Acquisition ", "which arise from the recognition of revenue and ", "expense items in the accounts in periods different ", "On acquisition of a controlled entity, the difference ", "from those in which they are assessable or allowable ", "between the purchase consideration plus incidental ", "for income tax purposes, are presented in the ", "expenses and the fair value of identifiable net assets ", "Statement of Financial Position as a “future income ", "acquired is initially brought to account as goodwill or ", "tax benefit” at the tax rate expected to apply when the ", "discount on acquisition. ", "differences reverse. A future income tax benefit ", "relating to timing differences is only carried forward as ", "Purchased goodwill is amortised on a straight line ", "an asset where realisation of the benefit can be ", "basis over the period during which the benefits are ", "regarded as being assured beyond reasonable doubt. ", "expected to arise, which is currently between five and ", "twenty years. The unamortised balance of goodwill is ", "Goods and Services Tax (GST) ", "reviewed at each balance date and charged to the ", "Statement of Financial Performance to the extent that ", "Revenues, expenses and assets are recognised net of ", "applicable future benefits are no longer probable. ", "the amount of GST except: ", "Where the GST incurred on a purchase of goods ", "ƒ", "(j)", "Leases", "and services is not recoverable from the taxation ", "authority, in which case the GST is recognised as ", "part of the cost of acquisition of the asset or as ", "Company as lessee ", "part of the expense item as applicable; and", "part of the expense item as applicable; and", "Receivables and payables are stated with the ", "Receivables and payables are stated with the ", "ƒ", "ƒ", "Operating leases ", "amount of GST included.", "Where title is not expected to pass to the lessee at the ", "The net amount of GST recoverable from, or payable ", "end of the lease term the lease is classified as an ", "to, the taxation authority is included as part of ", "operating lease. Lease payments are charged to the ", "receivables or payables in the Statement of Financial ", "Statement of Financial Performance in the periods in ", "Position. ", "which they are incurred. ", "Cash flows are included in the Statement of Cash ", "Flows on a net basis and the GST component of cash ", "flows arising from investing and financing activities, ", "Company as lessor ", "which is recoverable from, or payable to, the taxation ", "authority is classified as operating cash flows. ", "Direct finance leases ", "Commitments and contingencies are disclosed net of ", "Direct", "finance", "receivables", "are", "recognised", "as", "the amount of GST recoverable from, or payable to, ", "receivables at the beginning of the lease term at the ", "the taxation authority. ", "present value of the minimum lease payments ", "receivable plus the present value of any unguaranteed ", "(l)", "Provisions for Employee Benefits ", "residual expected to accrue to the benefit of the ", "consolidated entity at the end of the lease term. The ", "discount rate used in determining the present value is ", "Provision has been made in the financial statements ", "the interest rate implicit in the lease. Lease payments ", "for benefits accruing to employees in relation to such ", "are", "allocated", "between", "principal", "and", "interest", "matters as annual leave, long service leave and ", "components. Lease receivables are reduced by ", "workers compensation. All employee benefit liabilities ", "payments of principal whilst the interest component is ", "are measured at the present value of the estimated ", "credited to the Statement of Financial Performance. ", "future cash outflow to be made in respect of services ", "provided by employees up to reporting date. All on-", "costs, including payroll tax, workers’ compensation ", "premiums and fringe benefits tax are included in the ", "determination of the provisions. Employee entitlement ", "expenses and revenues are charged against profits on ", "a net basis in their respective categories. ", "30 ", "HARVEY NORMAN HOLDINGS LIMITED AND ITS CONTROLLED ENTITIES – ANNUAL REPORT 2003 " ]

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[ "DIRECTORS AND CORPORATE OFFICERS*", "DIRECTORS", "CORPORATE OFFICERS", "LINDA G. ALVARADO", "MICHAEL J. CRITELLI ", "President and Chief Executive Officer", "Chairman and Chief Executive Officer ", "Alvarado Construction, Inc.", "BRIAN M. BAXENDALE", "COLIN G. CAMPBELL", "Senior Vice President and", "Chairman and President", "President, Enterprise Relationship Development", "The Colonial Williamsburg Foundation", "DESSA M. BOKIDES", "MICHAEL J. CRITELLI", "Vice President—Finance and Treasurer", "Chairman and Chief Executive Officer ", "Pitney Bowes Inc.", "GREGORY E. BUONCONTRI", "Senior Vice President and Chief Information Officer", "JESSICA P. EINHORN", "Dean", "AMY C. CORN", "Paul H. Nitze School of Advanced International Studies", "Vice President, Secretary and Chief Governance Officer", "of the Johns Hopkins University", "STEVEN J. GREEN", "ERNIE GREEN", "Vice President—Finance and Chief Accounting Officer", "President", "Ernie Green Industries, Inc.", "ARLEN F. HENOCK", "Vice President, Finance, Global Enterprise Solutions ", "HERBERT L. HENKEL", "and Chief Tax Officer, PBI ", "Chairman, President and Chief Executive Officer", "Ingersoll-Rand Company Limited", "LUIS A. JIMENEZ", "Senior Vice President and Chief Strategy Officer", "JAMES H. KEYES", "Retired Chairman ", "MURRAY D. MARTIN", "Johnson Controls, Inc.", "President and Chief Operating Officer", "JOHN S. MCFARLANE", "MICHELE COLEMAN MAYES", "Former Chief Executive Officer", "Senior Vice President and General Counsel", "Ascendent Telecommunications Inc.", "BRUCE P. NOLOP", "EDUARDO R. MENASCÉ", "Executive Vice President and Chief Financial Officer", "President", "FRED M. PURDUE", "Enterprise Solutions Group", "Vice President and General Manager, Business Processes", "Verizon Communications Inc.", "ARUN SINHA", "MICHAEL I. ROTH", "Vice President and Chief Marketing Officer", "Chairman and Chief Executive Officer", "The Interpublic Group of Companies, Inc.", "JOHNNA G. TORSONE", "Senior Vice President and Chief Human Resources Officer", "DAVID L. SHEDLARZ", "Vice Chairman", "JOSEPH E. WALL", "Pfizer Inc.", "Senior Vice President and Chief Technology Officer", "ROBERT E. WEISSMAN", "Retired Chairman", "IMS Health Incorporated", "Stockholders may visit the Pitney Bowes corporate governance website at www.pb.com/corporategovernance for information concerning the Company’s", "governance practices, including the Governance Principles of the Board of Directors, charters of the committees of the Board, the Company’s Business", "Practices Guidelines and the Directors’ Code of Business Conduct and Ethics. Stockholders who wish to obtain copies of these documents may do so by", "writing to the corporate secretary at our headquarters address.", "*Information as of March 2005.", "30" ]

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[ "MCCORMICK & COMPANY 2004 ANNUAL REPORT", "effective for the first interim or annual period beginning", "Off-Balance Sheet Arrangements", "after June 15, 2005. Upon adoption of SFAS No. 123R,", "The Company had no off-balance sheet arrangements as of", "amounts previously disclosed under SFAS No. 123 will be", "November 30, 2004. In 2003, the Company consolidated", "recorded in the consolidated income statement. The", "the lessor of a leased distribution center and, as a result,", "Company is evaluating the alternatives allowed under the", "the entity is reflected in the consolidated balance sheet. ", "standard, which the Company is required to adopt begin-", "Recently Issued Accounting Pronouncements ", "ning in the fourth quarter of 2005.", "In January 2003, the FASB issued and subsequently", "Critical Accounting Estimates and Assumptions", "revised Interpretation No. 46, “Consolidation of Variable", "In preparing the financial statements in accordance with", "Interest Entities.” The Company adopted Interpretation", "United States generally accepted accounting principles", "No. 46 as it relates to special purpose entities in the fourth", "(GAAP), management is required to make estimates and", "quarter of 2003. The Company consolidated the lessor of a", "assumptions that have an impact on the assets, liabilities,", "leased distribution center used by the Company and", "revenue, and expense amounts reported. These esti-", "recorded a cumulative effect of an accounting change of", "mates can also affect supplemental information disclosed", "$2.1 million (net of income tax benefit of $1.2 million).", "by the Company, including information about contingen-", "Consolidation of this entity increased assets by $11.2 mil-", "cies, risk, and financial condition. The Company believes,", "lion, long-term debt by $14.0 million and minority interest", "given current facts and circumstances, its estimates and", "by $0.5 million. The effect of consolidation of this entity in", "assumptions are reasonable, adhere to GAAP, and are", "prior years would have reduced net income in 2002 by $0.3", "consistently applied. Inherent in the nature of an estimate", "million. In the third quarter of 2004, the Company adopted", "or assumption is the fact that actual results may differ", "the remaining provisions of Interpretation No. 46 and there", "from estimates and estimates may vary as new facts and", "was no material effect upon adoption of this statement.", "circumstances arise. In preparing the financial statements,", "In May 2004, the FASB issued Staff Position 106-2,", "the Company makes routine estimates and judgments in", "“Accounting and Disclosure Requirements Related to ", "determining the net realizable value of accounts receiv-", "the Medicare Prescription Drug Improvement and", "able, inventory, fixed assets, and prepaid allowances.", "Modernization Act of 2003” which provides guidance on", "Management believes the Company’s most critical", "the accounting for the effects of the Act. FASB Staff", "accounting estimates and assumptions are in the follow-", "Position 106-2 is effective for the first interim or annual", "ing areas:", "period beginning after June 15, 2004. The Company", "adopted FASB Staff Position 106-2 in the third quarter of", "Customer Contracts", "2004. See Note 10 for impact of adoption.", "In several of its major markets, the consumer business", "In November 2004, the FASB issued SFAS No. 151,", "sells its products by entering into annual or multi-year con-", "“Inventory Costs,” an amendment to ARB No. 43,", "tracts with its customers. These contracts include provi-", "Chapter 4, “Inventory Pricing.” SFAS No. 151 is effective", "sions for items such as sales discounts, marketing", "for inventory costs incurred during fiscal years beginning", "allowances and performance incentives. The discounts,", "after June 15, 2005. The Company believes there will be", "allowances, and incentives are expensed based on certain", "no material effect upon adoption of this statement.", "estimated criteria such as sales volume of indirect cus-", "In December 2004, the FASB issued SFAS No. 123R,", "tomers, customers reaching anticipated volume thresh-", "“Share-Based Payment,” a revision of SFAS No. 123,", "olds, and marketing spending. The Company routinely", "“Accounting for Stock-Based Compensation” and super-", "reviews these criteria and makes adjustments as facts", "seding APB Opinion No. 25, “Accounting for Stock Issued", "and circumstances change.", "to Employees.” SFAS No. 123R requires the Company to", "Goodwill and Brand Name Asset Valuation", "expense grants made under the stock option and employee", "The Company reviews the carrying value of goodwill and", "stock purchase plan programs. That cost will be recognized", "brand name assets annually utilizing discounted cash flow", "over the vesting period of the plans. SFAS No. 123R is", "models. Changes in estimates of future cash flows caused", "by items such as unforeseen events or changes in market", "33" ]

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[ 10, 10, 10, 8, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 5 ]

[ "We continue to ask", "“What’s in your wallet?”", "And the answer keeps getting better.", "Capital One is now in a league with the best-known brands in financial services. ", "We’ve always offered the most innovative products, the best prices and hassle-free service, but Capital One ", "wasn’t a household name until we started marketing our brand with the same energy we put into marketing ", "credit cards and loans. Now 96% of Americans know who we are.", "In 2002 we reached 95% of American households an average of 70 times with our award-winning “What’s in", "your wallet?”", "ads, which air during top-rated TV series and high-profile events, including college football games.", "SM", "We also became the sole title sponsor of the former Capital One Florida Citrus Bowl, which is now the Capital", "One Bowl.", "SM", "We have positioned Capital One as a maverick brand for smart consumers looking for great value, a strategy", "that supports our growth and gives the brand a cachet with consumers in all credit and income brackets. ", "There’s more than advertising behind the success of Capital One’s brand building. Consumers trust the brand", "because they know it’s backed by first-rate products and performance. We promise great prices and great service,", "and we deliver. Our “No-Hassle”", "credit cards and loans are truly hassle-free. We see every interaction with ", "SM", "consumers as an opportunity to build the brand, and through millions of encounters each day, we continue to show", "that Capital One is a company that really does put customers first.", "A powerful brand is a powerful competitive advantage. It differentiates Capital", "One from hundreds of look-alike MasterCard and Visa issuers. It wins customers", "and keeps them. It’s a great asset as we continue our diversification beyond credit", "cards. It helps us form mutually profitable alliances with leading companies in other", "industries. And it draws top-flight talent to Capital One.", "9" ]

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[ "and Fiscal 2003 compared to the year ended February 28, 2002 (“Fiscal 2002”), and (ii) financial liquidity and capital resources", "for Fiscal 2004. This discussion and analysis also identifies certain restructuring and related charges expected to affect consolidat-", "ed results of operations of the Company for the year ended February 28, 2005 (“Fiscal 2005”). This discussion and analysis should", "be read in conjunction with the Company’s consolidated financial statements and notes thereto included herein.", "As discussed in Note 1 to the financial statements, the Company adopted SFAS No. 142 on March 1, 2002. Upon the adop-", "tion of SFAS No. 142, the Company ceased amortization of goodwill and indefinite lived intangible assets. Retroactive application", "of SFAS No. 142 is not permitted.", "ACQUISITIONS IN FISCAL 2004, FISCAL 2003 AND FISCAL 2002 AND JOINT VENTURE", "Acquisition of Hardy", "On March 27, 2003, the Company acquired control of BRL Hardy Limited, now known as Hardy Wine Company Limited", "(“Hardy”), and on April 9, 2003, the Company completed its acquisition of all of Hardy’s outstanding capital stock. As a result", "of the acquisition of Hardy, the Company also acquired the remaining 50% ownership of Pacific Wine Partners LLC (“PWP”), the", "joint venture the Company established with Hardy in July 2001. The acquisition of Hardy along with the remaining interest in PWP", "is referred to together as the “Hardy Acquisition.” Through this acquisition, the Company acquired Australia’s largest wine pro-", "ducer with interests in wineries and vineyards in most of Australia’s major wine regions as well as New Zealand and the United", "States. Hardy has a comprehensive portfolio of wine products across all price points with a strong focus on premium wine produc-", "tion. Hardy’s wines are distributed worldwide through a network of marketing and sales operations, with the majority of sales gen-", "erated in Australia, the United Kingdom and the United States.", "Total consideration paid in cash and Class A Common Stock to the Hardy shareholders was $1,137.4 million. Additionally,", "the Company recorded direct acquisition costs of $17.7 million. The acquisition date for accounting purposes is March 27, 2003.", "The Company has recorded a $1.6 million reduction in the purchase price to reflect imputed interest between the accounting acqui-", "sition date and the final payment of consideration. This charge is included as interest expense in the Consolidated Statement of", "Income for the year ended February 29, 2004. The cash portion of the purchase price paid to the Hardy shareholders and option-", "holders ($1,060.2 million) was financed with $660.2 million of borrowings under the Company’s March 2003 Credit Agreement", "(as defined below) and $400.0 million of borrowings under the Company’s Bridge Agreement (as defined below). Additionally, the", "Company issued 3,288,913 shares of the Company’s Class A Common Stock, which were valued at $77.2 million based on the sim-", "ple average of the closing market price of the Company’s Class A Common Stock beginning two days before and ending two days", "after April 4, 2003, the day the Hardy shareholders elected the form of consideration they wished to receive. The purchase price", "was based primarily on a discounted cash flow analysis that contemplated, among other things, the value of a broader geographic", "distribution in strategic international markets and a presence in the important Australian winemaking regions. The Company and", "Hardy have complementary businesses that share a common growth orientation and operating philosophy. The Hardy Acquisition", "supports the Company’s strategy of growth and breadth across categories and geographies, and strengthens its competitive position", "in its core markets. The purchase price and resulting goodwill were primarily based on the growth opportunities of the brand port-", "folio of Hardy. In particular, the Company believes there are growth opportunities for Australian wines in the United Kingdom,", "United States and other wine markets. This acquisition supports the Company’s strategy of driving long-term growth and positions", "the Company to capitalize on the growth opportunities in “new world” wine markets.", "The results of operations of Hardy and PWP have been reported in the Company’s Constellation Wines segment as of March", "27, 2003.", "Acquisition of Ravenswood Winery", "On July 2, 2001, the Company acquired all of the outstanding capital stock of Ravenswood Winery, Inc. (the “Ravenswood", "Acquisition”), a leading premium wine producer based in Sonoma, California. On June 30, 2002, Ravenswood Winery, Inc. was", "merged into Franciscan Vineyards, Inc. (a wholly-owned subsidiary of the Company). The Ravenswood business produces, markets", "and sells super-premium and ultra-premium California wine, primarily under the Ravenswood brand name. The vast majority of", "the wine the Ravenswood business produces and sells is red wine, including the number one super-premium Zinfandel in the United", "States. The results of operations of the Ravenswood business are reported in the Constellation Wines segment and have been includ-", "ed in the consolidated results of operations of the Company since the date of acquisition.", "Acquisition of the Corus Assets", "On March 26, 2001, in an asset acquisition, the Company acquired certain wine brands, wineries, working capital (primarily", "inventories), and other related assets from Corus Brands, Inc. (the “Corus Assets”). In this acquisition, the Company acquired sev-", "eral well-known premium wine brands primarily sold in the northwestern United States, including Covey Run, Columbia, Ste.", "Chapelle and Alice White. In connection with the transaction, the Company also entered into long-term grape supply agreements", "with affiliates of Corus Brands, Inc. covering more than 1,000 acres of Washington and Idaho vineyards. The results of operations", "of the Corus Assets are reported in the Constellation Wines segment and have been included in the consolidated results of opera-", "tions of the Company since the date of acquisition.", "25" ]

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[ "CONSTELLATION BRANDS, INC. AND SUBSIDIARIES", "CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY", "(in thousands, except share data)", "Accumulated ", "Additional", "Other", "Preferred ", "Common Stock ", "Paid-in ", "Retained", "Comprehensive ", "Treasury ", "Unearned", "Stock ", "Class A", "Class B ", "Capital ", "Earnings ", "Loss ", "Stock", "Compensation ", "Total ", "BALANCE, February 28, 2001 ", "$ ", "– ", "$", "749 ", "$", "148", "$", "267,206", "$", "455,798 ", "$", "(26,004)", "$ (81,478)", "$ ", "(151)", "$ ", "616,268", "Comprehensive income: ", "Net income for Fiscal 2002 ", "–", "–", "–", "–", "136,421 ", "–", "–", "–", "136,421 ", "Other comprehensive (loss) income, net of tax: ", "Foreign currency translation adjustments ", "–", "–", "–", "– ", "–", "(9,239)", "–", "–", "(9,239)", "Unrealized gain on cash flow hedges: ", "Net derivative gains, net of tax effect of $105 ", "–", "–", "–", "–", "–", "212 ", "–", "–", "212 ", "Reclassification adjustments, net of tax effect of $92 ", "–", "–", "–", "–", "–", "(191)", "–", "–", "(191)", "Unrealized gain on cash flow hedges ", "21 ", "Other comprehensive loss, net of tax ", "(9,218)", "Comprehensive income", "127,203 ", "Conversion of 196,798 Class B Convertible Common ", "shares to Class A Common shares ", "–", "2 ", "(2)", "–", "–", "–", "–", "–", "–", "Exercise of 4,234,440 Class A stock options ", "–", "42 ", "–", "45,602 ", "–", "–", "–", "–", "45,644", "Employee stock purchases of 120,674 treasury shares ", "–", "–", "–", "639 ", "–", "–", "1,347 ", "–", "1,986 ", "Amortization of unearned restricted stock compensation ", "–", "–", "–", "–", "–", "–", "–", "101 ", "101 ", "Issuance of 9,385,000 treasury shares, net of fees ", "–", "–", "–", "104,714 ", "–", "–", "46,765 ", "–", "151,479 ", "Tax benefit on Class A stock options exercised ", "–", "–", "–", "12,836 ", "–", "–", "–", "–", "12,836 ", "Tax benefit on disposition of employee stock purchases ", "–", "–", "–", "65 ", "–", "–", "–", "–", "65 ", "Other ", "–", "–", "–", "154 ", "–", "–", "–", "–", "154 ", "BALANCE, February 28, 2002 ", "–", "793 ", "146 ", "431,216 ", "592,219 ", "(35,222)", "(33,366)", "(50)", "955,736 ", "Comprehensive income: ", "Net income for Fiscal 2003 ", "–", "–", "–", "–", "203,306 ", "–", "–", "–", "203,306 ", "Other comprehensive (loss) income, net of tax: ", "Foreign currency translation adjustments ", "–", "–", "–", "–", "–", "18,521 ", "–", "– ", "18,521", "Reclassification adjustments for net derivative ", "gains, net of tax effect of $13 ", "–", "–", "–", "–", "–", "(21) ", "–", "– ", "(21)", "Minimum pension liability adjustment, net of tax ", "effect of $18,681 ", "–", "–", "–", "–", "–", "(42,535) ", "–", "– ", "(42,535)", "Other comprehensive loss, net of tax ", "(24,035)", "Comprehensive income", "179,271 ", "Conversion of 29,900 Class B Convertible Common ", "shares to Class A Common shares ", "–", "–", "–", "–", "–", "–", "–", "–", "–", "Exercise of 2,096,061 Class A stock options ", "–", "21 ", "–", "28,148 ", "–", "–", "–", "–", "28,169", "Employee stock purchases of 139,062 treasury shares ", "–", "–", "–", "1,410 ", "–", "–", "1,475 ", "–", "2,885 ", "Issuance of 7,080 restricted Class A Common shares ", "–", "–", "–", "127 ", "–", "–", "74 ", "(201)", "–", "Amortization of unearned restricted stock compensation ", "–", "–", "–", "–", "–", "–", "–", "100 ", "100 ", "Tax benefit on Class A stock options exercised ", "–", "–", "–", "8,440 ", "–", "–", "–", "–", "8,440 ", "Tax benefit on disposition of employee stock purchases ", "–", "–", "–", "74 ", "–", "–", "–", "–", "74 ", "Other", "–", "–", "–", "309", "–", "–", "–", "–", "309", "BALANCE, February 28, 2003 ", "–", "814 ", "146 ", "469,724 ", "795,525 ", "(59,257)", "(31,817)", "(151)", "1,174,984 ", "Comprehensive income: ", "Net income for Fiscal 2004 ", "–", "–", "–", "–", "220,414 ", "–", "–", "–", "220,414 ", "Other comprehensive income (loss), net of tax: ", "Foreign currency translation adjustments, net of tax ", "effect of $6,254 ", "–", "–", "–", "–", "–", "410,694 ", "–", "–", "410,694 ", "Unrealized gain on cash flow hedges: ", "Net derivative gains, net of tax effect of $15,714 ", "–", "–", "–", "–", "–", "38,199 ", "–", "–", "38,199 ", "Reclassification adjustments, net of tax effect of $507 ", "–", "–", "–", "–", "–", "(1,250)", "–", "–", "(1,250)", "Unrealized gain on cash flow hedges ", "36,949 ", "Unrealized loss on marketable equity securities, net ", "of tax effect of $185 ", "–", "–", "–", "–", "–", "(432)", "–", "–", "(432)", "Minimum pension liability adjustment, net of tax ", "effect of $6,888 ", "–", "–", "–", "–", "–", "(15,652)", "–", "–", "(15,652)", "Other comprehensive income, net of tax ", "431,559 ", "Comprehensive income", "651,973 ", "Conversion of 13,860 Class B Convertible Common ", "shares to Class A Common shares ", "–", "–", "–", "–", "–", "–", "–", "–", "–", "Exercise of 2,612,311 Class A stock options ", "–", "26 ", "–", "36,209 ", "–", "–", "–", "–", "36,235 ", "Employee stock purchases of 165,776 treasury shares ", "–", "–", "–", "1,658 ", "–", "–", "1,824 ", "–", "3,482", "Issuance of 9,800,000 Class A Common Shares ", "–", "98 ", "–", "261,118 ", "–", "–", "–", "–", "261,216 ", "Issuance of 170,500 Preferred Shares ", "2 ", "–", "–", "164,868 ", "–", "–", "–", "–", "164,870 ", "Dividend on Preferred Shares ", "–", "–", "–", "–", "(5,746)", "–", "–", "–", "(5,746)", "Issuance of 3,288,913 Class A Common Shares ", "in connection with Hardy Acquisition ", "–", "33 ", "–", "77,210 ", "–", "–", "–", "–", "77,243", "Amortization of unearned restricted stock compensation ", "–", "–", "–", "–", "–", "–", "–", "101 ", "101 ", "Tax benefit on Class A stock options exercised ", "–", "–", "–", "13,029 ", "–", "–", "–", "–", "13,029 ", "Tax benefit on disposition of employee stock purchases ", "–", "–", "–", "82 ", "–", "–", "–", "–", "82 ", "Other", "–", "–", "–", "150", "–", "–", "–", "–", "150", "BALANCE, February 29, 2004 ", "$", "2 ", "$", "971 ", "$", "146 ", "$ 1,024,048 ", "$", "1,010,193 ", "$", "372,302 ", "$ (29,993)", "$", "(50)", "$ 2,377,619 ", "The accompanying notes to consolidated financial statements are an integral part of these statements.", "41" ]

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[ "Bombardier Inc. Annual Report 2003-04", "page 72", "Credit support", "the U.K. facility was renewed at £50 million,", "2004). Also, a rating downgrade below invest-", "the same level as last year. The U.S. facility", "ment grade by either Moody’s Investor", "The indentures governing BC’s long-term debt", "provides for a 364-day purchase commitment", "Services Inc. or Standard & Poor’s could result", "and credit facilities provide for substantially", "for trade receivables originating from North", "in the wind-down of $125 million US ($166 mil-", "similar covenant and “keepwell” packages", "American manufacturing operations, while the", "lion) of Bombardier securitiza-tion conduits", "from the Corporation. Bombardier Inc.’s keep-", "U.K. facility is an uncommitted facility to pur-", "($72 million outstanding as at January 31, 2004).", "well agreements provide for minimum", "chase trade receivables from U.K.-based", "As of March 17, 2004, the following invest-", "ownership of 51% in BC and for the injection", "Bombardier Transportation operations. These", "ment grade ratings applied to the long-term", "of equity in the event that certain minimum", "securitization activities replaced Bombardier", "debt of the Corporation:", "net worth levels are not met or if a fixed charge", "receivable factoring activities historically carried", "coverage ratio falls below 1.2. Finally, these", "RATING AGENCY", "RATING", "out through BC. The Corporation received pro-", "indentures provide for the undertaking of", "Moody’s Investor Services Inc.", "Baa3", "ceeds of $905 million and $477 million on the", "Bombardier Inc. to maintain the existing cross-", "Standard & Poor’s", "BBB-", "sale of trade receivables for the U.S. and U.K.", "default provision in the indenture governing", "Fitch Ratings", "BBB-", "facilities respectively during fiscal year 2004.", "the Corporation’s $150-million debentures due", "Dominion Bond Rating Service Limited", "BBB", "The amounts sold and outstanding with", "in 2026, as well as to provide for similar", "respect to the U.S. and U.K. facilities were", "cross-default provisions in all of its future ", "Off-balance sheet", "$118 million as at January 31, 2004 and", "public debt. ", "arrangements", "$169 million as at January 31, 2003. In addition,", "Credit events", "Financial arrangements ", "in December 2003, Bombardier entered into a", "100-million ($165-million) four-year factoring", "Certain of the Corporation’s financial commit-", "In the normal course of business, the ", "€", "arrangement with a third party, ($60 million", "ments include provisions that could become", "Corporation finances certain activities through", "outstanding as at January 31, 2004) for cer-", "effective in the event of a rating downgrade", "off-balance sheet transactions, consisting ", "tain receivables originating from Bombardier", "of the Corporation.", "of leases, securitizations and others arrange-", "Transportation’s German operations.", "A rating downgrade below investment ", "ments.", "grade could result in the reimbursement of", "a)", "Leases", "c)", "Other arrangements", "customer advances amounting to $170 million", "in the aerospace segment. In addition, the", "The Corporation leases certain of its buildings", "In the aerospace segment, Bombardier has", "Corporation may be required to repurchase at", "and equipment from others, and assumes", "entered into various agreements with third", "fair value of $26 million US ($34 million) as at", "operating lease obligations in connection with", "parties, through which it sells rights under ", "January 31, 2004, the call options related to", "the sale of new aircraft. The Corporation", "certain manufacturing contracts on an ongoing", "the Putable/Callable notes due in 2013, should", "finances freight cars, used aircraft and trans-", "basis. The amount of the rights sold totalled ", "the call holder elect early termination. The", "portation equipment through sale and", "$170 million as at January 31, 2004, compared", "Putable/Callable notes amounting to $300 mil-", "leaseback structures. The Corporation’s undis-", "to $369 million as at January 31, 2003. These", "lion US ($398 million) would become repayable", "counted minimum lease payments under such", "are accounted for as advances received and", "at the next coupon reset date (May 31, 2004),", "leases amounted to $1.5 billion for operating", "deducted from inventories or presented as", "immediately following such a downgrade.", "leases and $1.6 billion for sale and leaseback", "advances in excess of related costs. In con-", "Furthermore, BC has entered into an interest-", "transactions as at January 31, 2004. These", "nection with these sales, the Corporation has", "rate swap agreement whereby the counterparty", "commitments are disclosed in note 24 to the", "provided recourse to one purchaser amounting", "has an optional early termination right in the", "Consolidated Financial Statements.", "to $17 million as at January 31, 2004. The", "event of a rating downgrade below investment", "Corporation’s maximum exposure under ", "b)", "Securitizations ", "grade of the Corporation by either Moody’s", "this recourse is included in note 24 to the", "Bombardier", "Investor Services Inc. or Standard & Poor’s.The", "Consolidated Financial Statements. Revenues", "estimated settlement value as at January 31,", "and related profits on sales of aircraft are ", "In January 2004, Bombardier renewed its", "2004 is not significant.", "recognized on delivery and the sale of rights", "third-party U.S. and U.K. facilities for the secu-", "A rating downgrade by Dominion Bond Rating", "does not result in the acceleration of revenue", "ritization of trade receivables generated in the", "Services Ltd. could result in the wind-down ", "or profit recognition.", "normal course of business. The U.S. facility", "of $200 million of a BC securitization conduit", "The Corporation provides administrative", "was renewed at $125 million US (down from", "($80 million outstanding as at January 31,", "services to special-purpose entities (SPEs) ", "$200 million US as at January 31, 2003) and" ]

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[ "partnering for the future", "Bunge has reserved 11,067,145 and 553,357", "to the discretion of Bunge’s compensation committee, in cash,", "available options", "common shares for grants of stock options and other stock", "in Bunge Limited common shares or a combination thereof, once", "awards under the Equity Incentive Plan and the Directors’ Plan,", "the specified terms and conditions of the award are satisfied. At", "respectively. At December 31, 2004, 5,322,918 and 166,357", "the time of pay out, a participant holding a vested performance-", "common shares were available for grant under the Equity Incen-", "based restricted stock unit award will also be entitled to receive", "tive Plan and Directors’ Plan, respectively. The Equity Incentive", "corresponding dividend equivalent payments.", "Plan and the Directors’ Plan provide that up to 10.0% and 0.5%,", "respectively, of Bunge’s total outstanding common shares may", "The time-vested restricted stock unit awards are subject to", "be reserved for issuance pursuant to awards under the plans.", "vesting periods varying from three to four years and vest on a", "Therefore, the number of shares reserved under the plans will", "pro-rata basis over the applicable vesting period or at the end ", "increase as the number of Bunge’s total issued common shares", "of the applicable vesting period. Vesting may be accelerated ", "outstanding increases.", "in certain circumstances such as a change in control of Bunge. ", "The time-vested restricted stock units are paid out in Bunge", "A summary of Bunge’s stock option activity for the Equity", "Limited common shares once the applicable vesting terms are", "Incentive Plan and the Directors’ Plan and related information", "satisfied. At the time of pay out, a participant holding a time-", "was as follows:", "vested restricted stock unit award will also be entitled to receive", "corresponding dividend equivalent payments.", "Weighted", "Average", "Exercise", "Number of", "Price", "Compensation expense related to these restricted stock unit", "Shares", "per Share", "awards is based on the quoted market price of Bunge’s common", "Options outstanding at ", "shares and is recorded in the consolidated statements of income", "January 1, 2002", "2,137,372", "$16.74", "based on the vesting terms. In accordance with APB No. 25,", "Granted", "1,164,100", "21.61", "Bunge recorded compensation expense of $25 million, $9 million", "Exercised", "(83,500)", "16.91", "and $7 million for the years ended December 31, 2004, 2003", "Forfeited", "(37,213)", "15.95", "and 2002, respectively, for grants of restricted stock unit awards.", "Expired", "–", "–", "Options outstanding at ", "December 31, 2002", "At December 31, 2004 and 2003, there were 763,208 and", "3,180,759", "$18.53", "Granted", "452,862, respectively, of primarily performance-based restricted", "1,123,800", "25.22", "Exercised", "stock units granted that had not yet vested. During 2004, Bunge", "(407,653)", "17.54", "Forfeited", "(21,666)", "20.38", "issued approximately 74,894 shares with a weighted average ", "Expired", "–", "–", "fair value of $38.52 per share primarily pursuant to outstanding", "Options outstanding ", "performance-based restricted stock unit awards that had", "at December 31, 2003", "3,875,240", "$20.57", "become vested.", "Granted", "8", "80", "01", "1,,6", "60", "00", "0", "3", "36", "6..9", "93", "3", "Exercised", "((9", "91", "13", "3,,2", "23", "38", "8))", "1", "19", "9..0", "09", "9", "In 2001,", "non-employee directors’ equity incentive plan", "Forfeited", "((4", "43", "3,,3", "30", "00", "0))", "2", "26", "6..0", "00", "0", "Bunge established its Non-Employee Directors’ Equity Incentive", "Expired", "–", "–", "Plan (Directors’ Plan). The Directors’ Plan is a shareholder approved", "Options outstanding at ", "plan. The Directors’ Plan provides for awards of non-statutory", "December 31, 2004", "3", "3,,7", "72", "20", "0,,3", "30", "02", "2", "$", "$2", "24", "4..4", "40", "0", "stock options to non-employee directors. The options vest and", "Exercisable options: ", "are exercisable on the January 1st following the date of grant,", "December 31, 2002", "973,378", "$17.09", "assuming the director continues service as a member of the Board", "December 31, 2003", "1,726,865", "$18.28", "of Directors of Bunge until such date. Vesting may be accelerated", "December 31, 2004", "1", "1,,9", "95", "50", "0,,7", "70", "06", "6", "$", "$1", "19", "9..4", "49", "9", "in certain situations such as a change in control of Bunge.", "81" ]

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[ "Westbrook, CT", "www", "tangeroutlet", "com", "TUES ti) aoe", "__", "PAC SUN", "i", "BOSS HUGO BOSS | EI", "Lancaster, PA" ]

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[ "As discussed above, the carrying amounts of certain of the Company’s financial instruments approximate their fair value. The carrying", "amounts and fair values of the Company’s remaining financial instruments are set forth in the following table: ", "At December 31,", "(In thousands)", "2001", "2002", "Carrying", "Estimated", "Carrying", "Estimated", "Amount", "Fair Value", "Amount", "Fair Value", "Financial instrument assets:", "Loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "$", "451,609", "$", "454,536", "$", "476,475", "$", "480,409", "Forward mortgage loan sales commitments", " . . . . . . . . . . . . . . . . .", "(1)", "7,352", "7,352", "(7,454)", "(7,454)", "Loans:", "Consumer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "2,509,333", "2,548,617", "3,005,882", "3,068,900", "Commercial real estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "1,622,461", "1,644,263", "1,835,788", "1,883,183", "Commercial business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "422,381", "417,896", "440,074", "438,106", "Equipment finance loans", " . . . . . . . . . . . . . . . . . . . . . . . . . . .", "271,398", "275,148", "289,558", "299,035", "Residential real estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "2,733,290", "2,795,894", "1,800,344", "1,868,132", "Allowance for loan losses", " . . . . . . . . . . . . . . . . . . . . . . . . . .", "(2)", "(66,876)", "– ", "(68,143)", "–", "$7", ",950,948", "$ 8,143,706", "$ 7,772,524", "$ 8,030,311", "Financial instrument liabilities:", "Checking, savings and money market deposits . . . . . . . . . . . . . . .", "$4", ",778,714", "$ 4,778,714", "$ 5,791,233", "$ 5,791,233", "Certificates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "2,320,244", "2,357,872", "1,918,755", "1,948,947", "Short-term borrowings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "719,859", "719,859", "842,051", "842,051", "Long-term borrowings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "2,303,166", "2,410,329", "2,268,244", "2,443,653", "$10,121,983", "$10,266,774", "$10,820,283", "$11,025,884", "Financial instruments with off-balance-sheet risk:", "(3)", "Commitments to extend credit", " . . . . . . . . . . . . . . . . . . . . . . . . .", "(4)", "$", "13,767", "$", "13,767", "$", "24,569", "$", "24,569", "Standby letters of credit", " . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "(", "(1)", "2,409)", "(2,409)", "(5,382)", "(5,382)", "Loans serviced with recourse", " . . . . . . . . . . . . . . . . . . . . . . . . . . .", "(1)", "(100)", "(100)", "(100)", "(100)", "$", "11,258", "$", "11,258", "$", "19,087", "$", "19,087", "(1)", "Carrying amounts are included in accrued expenses and other liabilities.", "(2)", "Excludes the allowance for lease losses.", "(3)", "Positive amounts represent assets, negative amounts represent liabilities.", "(4)", "Carrying amounts are included in other assets.", "page", "70" ]

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[ "(2)", "Interest rate contracts:", "(a)", "As of March 31, 2003:", "Millions of yen", "Thousands of U.S. dollars", "Contract", "Unrealized", "Contract", "Unrealized", "amount", "Fair value", "gains (losses)", "amount", "Fair value", "gains (losses)", "Interest swap contracts:", "Receive floating rate", "pay fixed rate", "¥5,800", "¥(134)", "¥(134)", "$48,253", "$(1,115)", "$(1,115)", "(b)", "As of March 31, 2002:", "Millions of yen", "Contract", "Unrealized", "amount", "Fair value", "gains (losses)", "Interest swap contracts:", "Receive floating rate", "pay fixed rate", "¥3,000", "¥(34)", "¥(34)", "Method", "to determine fair value is based on quotations obtained from financial institutions.", "Derivative", "financial instruments, principally forward exchange contracts and currency and interest", "swaps,", "that qualify as a hedge and are accounted for using the deferred hedge accounting method, are", "excluded", "from the above table according to the disclosure requirements.", "Annual Report 2003 51" ]

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[ "NAME OF ENTITY", "Super Cheap Auto", "Group Limited", "ABN OR EQUIVALENT", "COMPANY REFERENCE", "81", "108 676 204", "REGISTERED OFFICE", "751 Gympie Road ", "Lawnton QLD 4501 ", "Telephone (07) 3205 8511 ", "Facsimile (07) 3205 8522", "SHARE REGISTRY", "ASX Perpetual Registrars Limited ", "Level 8, 580 George Street ", "SYDNEY NSW 2000", "BANKERS", "Australia and New Zealand", "Banking Group Limited", "AUDITORS", "Grant Thornton", "SOLICITORS", "Redmond Van De Graaff ", "Mallesons Stephen Jacques", "STOCK EXCHANGE LISTING", "Super Cheap Auto Group ", "Limited shares are quoted on ", "the Australian Stock Exchange.", "THE ANNUAL ", "GENERAL MEETING", "GENERAL MEETING", "The Annual General Meeting", "The Annual General Meeting", "of the Shareholders of Super ", "Cheap Auto Group Limited", "will be held at the Pine Rivers ", "Memorial Bowls Club,", "Cnr. Sparkes and Francis Roads, ", "Bray Park, Queensland on ", "Thursday 21 October 2004", "at 2.00 pm.", "Formal notice of this meeting ", "and proxy form are enclosed ", "with this report." ]

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[ "TABLE 17", "Provision f", "or Credit Losses – Segmented Information ", "($ millions)", "Total", "For the year ended October 31", "2002", "2001", "2000", "1999", "1998", "Individuals", "2002", "2001", "2000", "1999", "1998", "Residential mortgages", "7", "6", "5", "7", "7", "Cards", "58", "48", "35", "26", "26", "1,949", "1,597", "1,427", "1,272", "1,239", "Personal loans", "79", "74", "73", "48", "30", "820", "980", "358", "320", "130", "—", "—", "—", "—", "—", "Total loans to individuals", "144", "128", "113", "81", "63", "68", "40", "44", "47", "64", "Diversified Commercial", "(d)", "(884)", "(698)", "(251)", "(193)", "(195)", "Commercial mortgages", "6", "10", "(1)", "—", "—", "(4)", "30", "19", "(19)", "34", "Commercial real estate", "(2)", "(1)", "1", "(6)", "(66)", "Construction (non-real estate)", "(23)", "28", "(2)", "3", "3", "Retail trade", "29", "74", "20", "6", "(5)", "1,949", "1,949", "1,597", "1,427", "1,272", "Wholesale trade", "19", "114", "3", "10", "1", "Agriculture", "2", "(1)", "(10)", "2", "(5)", "(176)", "(157)", "(139)", "(104)", "(93)", "Communications", "399", "129", "—", "5", "13", "Manufacturing", "94", "280", "81", "14", "4", "(708)", "(541)", "(67)", "(74)", "(99)", "Mining", "—", "5", "—", "—", "(3)", "—", "—", "(45)", "(15)", "(3)", "Oil and gas", "2", "(22)", "6", "43", "(2)", "Transportation", "17", "38", "68", "8", "17", "30", "25", "23", "22", "23", "Utilities", "69", "17", "(1)", "—", "3", "Forest products", "4", "—", "3", "2", "5", "38", "15", "21", "25", "41", "Service industries", "19", "18", "14", "46", "(19)", "Financial institutions ", "5", "64", "(6)", "7", "12", "0.6", "0.4", "0.1", "0.1", "0.1", "Other", "(2)", "(1)", "1", "14", "(1)", "Total commercial, corporate", "and institutional (e)", "638", "752", "177", "154", "(43)", "—", "100", "110", "85", "110", "Net charge to earnings for gener", "al provision", "Total", "Lesser-developed countries ", "38", "—", "(42)", "—", "—", "2002", "2001", "2000", "1999", "1998", "Total provision for credit losses ", "820", "980", "358", "320", "130", "5", "6", "6", "4", "4", "TABLE 18", "Allowanc", "for Credit Losses – Segmented Information ", "($ millions)", "4", "8", "5", "8", "9", "As at October 31", "2002", "2001", "2000", "1999", "1998", "Diversified Commercial", "Specif", "ic ", "9", "14", "11", "12", "13", "Allowance by Industry", "742", "755", "506", "360", "262", "(d)", "Commercial mortgages", "—", "6", "—", "4", "5", "—", "—", "85", "104", "18", "Commercial real estate", "9", "12", "30", "28", "35", "—", "—", "—", "—", "8", "Construction (non-real estate)", "5", "31", "5", "4", "4", "769", "769", "517", "457", "387", "Retail trade", "18", "59", "23", "7", "8", "1,180", "1,180", "1,080", "970", "885", "Wholesale trade", "109", "80", "12", "8", "13", "Agriculture", "14", "3", "10", "6", "4", "1,949", "1,949", "1,597", "1,427", "1,272", "Communications", "116", "60", "30", "13", "8", "Manufacturing", "175", "300", "96", "37", "62", "Mining", "—", "—", "—", "—", "2", "Oil and gas", "20", "18", "51", "44", "1", "83.4", "96.8", "106.4", "130.6", "153.3", "Transportation", "64", "77", "77", "23", "17", "5.1", "7.1", "5.6", "6.3", "8.6", "Utilities", "87", "19", "2", "3", "3", "34.6", "41.5", "38.8", "40.1", "39.3", "Forest products", "6", "10", "19", "7", "6", "100.0", "100.0", "100.0", "na", "na", "Service industries", "44", "48", "85", "56", "31", "Financial institutions ", "11", "26", "35", "35", "27", "Other", "64", "6", "31", "85", "36", "Total specific allowance for cred", "it losses ", "on diversified commercial", "loans (b)", "742", "755", "506", "360", "262", "61", "BMO FINANCIAL GROUP ANNUAL REPORT 2002" ]

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[ "MANAGEMENT’S DISCUSSION & ANALYSIS OF FINANCIAL", "CONDITION AND RESULTS OF OPERATIONS", "OTHER EXPENSES", "continued", "Other expenses in 2002 amounted to $71,009,000, an increase of 57.1", "percent from the prior year, or $25,814,000.", "The following factors account for", "most of the increase.", "1.", "Salaries and benefit expense grew $14,439,000, or 58.4 percent, due to", "normal salary increases, staff additions and additional salary and", "benefit cost of $9,785,000 related to the April 1, 2002 acquisition of", "Lafayette.", "2.", "Telephone expenses increased by $1,497,000 or 140.9 percent, due to", "additional telephone costs related to the acquisition of Lafayette.", "In addition, increased service contract charges related to greater", "usage of telephone lines, contributed to this increase.", "3.", "Equipment expenses increased by $2,188,000 or 48.4 percent, primarily", "related to the April 1, 2002 acquisition of Lafayette.", "4.", "Core deposit intangible amortization increased by $907,000, due to", "utilization of the purchase method of accounting for the Corporation", "related to the April 1, 2002 acquisition of Lafayette.", "5.", "Data processing fees increased by $1,421,000, or 63.4 percent,", "primarily due to increases in processing expenses related to greater", "usage of debit/ATM cards by customers and increases in loans", "originated and processed during 2002.", "6.", "Net occupancy expenses increased by $903,000 or 33.1 percent,", "primarily related to the April 1, 2002 acquisition of Lafayette.", "INCOME TAXES", "Income tax expense totaling $10,717,000 for 2003 decreased by $3,264,000", "from 2002.", "The lower expense in 2003 primarily resulted from the Corporation’s", "tax-exempt investment income on securities and loans, income tax credits", "generated from investments in affordable housing projects, income generated by", "subsidiaries domiciled in a state with no state or local income tax, increases", "in tax exempt earnings from bank-owned life insurance contracts and reduced", "state taxes, resulting from the effect of state income apportionment.", "The increase in 2002 tax expense of $2,057,000, as compared to the 2001", "tax expense, is attributable primarily to the acquisition of Lafayette and an", "increase in pre-tax income of $5,627,000.", "In addition, the effective tax rates for the periods ending December 31,", "2003, 2002 and 2001 were 28.0 percent, 33.4 percent and 34.9 percent,", "respectively.", "The 54 basis point decrease is primarily a result of the same", "factors discussed above regarding the 2003 tax expense.", "19" ]

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[ "Management’s Discussion and Analysis", "technologies pose health concerns and cause interfer-", "While Bell ExpressVu has been successful in increas-", "Bell ExpressVu", "ence with hearing aids and other medical devices. This", "ing its share of the satellite television market despite", "Bell ExpressVu currently", "uses three satellites, ", "could lead to additional government regulation, which", "this competition, there is no assurance that it will", "Nimiq 1, Nimiq 2 and", "could have a material and negative effect on the busi-", "continue to do so.", "Nimiq 3, for its video ", "ness of the Bell Canada companies. In addition, actual", "Bell ExpressVu faces a loss of revenue resulting from", "services. Telesat operates or", "or perceived health risks of wireless communications", "the theft of its services. It is taking numerous actions to", "directs the operation of ", "devices could result in fewer new network subscribers,", "reduce these losses, including legal action, investiga-", "these satellites. ", "lower network usage per subscriber, higher churn rates,", "tions, implementing electronic countermeasures targeted", "product liability lawsuits or less outside financing", "at illegal devices, leading information campaigns and", "being available to the wireless communications indus-", "developing new technology. Bell ExpressVu introduced", "try. Any of these would have a negative effect on the", "a smart card swap for its authorized digital receivers", "business of the Bell Canada companies.", "beginning in 2004, that is designed to block unautho-", "rized reception of Bell ExpressVu signals. The smart", "card swap is being introduced in phases and is expected", "Bell ExpressVu", "to be completed in the second half of 2005. As with", "any technology-based security system, it is not possi-", "In order to restore the backup capacity for Bell", "ble to eliminate with absolute certainty the possibility", "ExpressVu, which was diminished by the partial failure", "that security may be compromised at some point in", "of Nimiq 2, Telesat reached an agreement with DirecTV", "the future.", "for an existing spare in-orbit satellite (Nimiq 3). Telesat", "On October 28, 2004, the Court of Québec ruled in", "received approval from Industry Canada to relocate", "R.", "v. D’Argy and Theriault", "this satellite to the orbital slots currently occupied by", "that the provisions in the", "Radiocommunication Act", "Nimiq 1 or Nimiq 2. In July 2004, the CRTC granted", "(Canada) making it a criminal", "offence to manufacture, offer for sale or sell any device", "final approval to the agreement between Bell ExpressVu", "and Telesat to lease the full capacity of Nimiq 3.", "used to decode an encrypted subscription signal relating", "Satellites are subject to significant risks. Any loss,", "to the unauthorized reception of satellite signals vio-", "failure, manufacturing defects, damage or destruction", "late the freedom of expression rights enshrined in the", "Canadian Charter of Rights and Freedoms", "of these satellites, of Bell ExpressVu’s terrestrial broad-", ". The Canadian", "casting infrastructure or of Telesat’s tracking, teleme-", "Department of Justice has launched an appeal of this", "decision to the Superior Court of Québec. It remains a", "try and control facilities that operate the satellites could", "criminal offence throughout Canada to manufacture,", "have a material and negative effect on Bell ExpressVu’s", "offer for sale or sell any device used to engage in the", "results of operations and financial condition. Please see", "Risks that Could Affect Certain BCE Group Companies", "unauthorized reception of satellite signals. If this deci-", "– Telesat", "sion is ultimately upheld by the courts and Parliament", "for more information on the risks relating to", "does not enact new provisions criminalizing the unau-", "Telesat’s satellites.", "thorized reception of satellite signals, Bell ExpressVu", "Bell ExpressVu is subject to programming and car-", "may face increasing loss of revenue from the unautho-", "riage requirements under CRTC regulations. Changes", "rized reception of satellite signals.", "to the regulations that govern broadcasting could neg-", "atively affect Bell ExpressVu’s competitive position ", "or the cost of providing its services. Bell ExpressVu’s", "Bell Globemedia", "DTH satellite television distribution undertaking", "licence was renewed in March 2004 and expires on", "Dependence on Advertising", "August 31, 2010.", "A large part of Bell Globemedia’s revenue from its tel-", "Bell ExpressVu continues to face competition from", "evision and print businesses comes from advertising", "unregulated U.S. DTH satellite television services that", "revenues. Bell Globemedia’s advertising revenues are", "are illegally sold in Canada. In response, it is partici-", "affected by competitive pressures, including its ability", "pating in legal actions that are challenging the sale of", "to attract and retain viewers and readers. In addition,", "U.S. DTH satellite television equipment in Canada.", "76", "Bell Canada Enterprises ", "2004", "Annual Report" ]

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[]

[]

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[ "Notes to Consolidated Financial Statements", "7.", "Property, Plant and Equipment", "Changes in property, plant and equipment resulted from the following:", "Yen", "U.S. Dollars", "(millions)", "(thousands)", "Years ended March 31", "1999", "2000", "2000", "Land", "Balance at beginning of year, net", "¥134,890", "¥133,883", "$1,263,047", "Additions", "6,230", "9,935", "93,727", "Translation differences", "(1,505)", "(1,478)", "(13,943)", "Other, net", "(5,732)", "(7,993)", "(75,406)", "Balance at end of year, net", "¥133,883", "¥134,347", "$1,267,425", "Buildings", "Balance at beginning of year, net", "¥416,632", "¥402,064", "$3,793,057", "Additions", "32,106", "21,904", "206,641", "Depreciation", "39,129", "36,409", "343,481", "Translation differences", "(7,855)", "(8,003)", "(75,500)", "Other, net", "310", "(10,595)", "(99,953)", "Balance at end of year, net", "¥402,064", "¥368,961", "$3,480,764", "Machinery and equipment", "Balance at beginning of year, net", "¥750,262", "¥668,435", "$6,305,991", "Additions", "279,608", "338,213", "3,190,689", "Depreciation", "286,049", "279,187", "2,633,840", "34", "Translation differences", "(23,289)", "(24,732)", "(233,321)", "Other, net", "(52,097)", "28,221", "266,236", "Balance at end of year, net", "¥668,435", "¥730,950", "$6,895,755", "Construction in progress", "Balance at beginning of year, net", "¥ 54,337", "¥ 38,046", "$", "358,925", "Additions", "175,321", "225,437", "2,126,764", "Translation differences", "(753)", "(882)", "(8,321)", "Transfers", "(190,859)", "(218,001)", "(2,056,613)", "Balance at end of year, net", "¥ 38,046", "¥ 44,600", "$", "420,755", "8.", "Goodwill", "An analysis of goodwill is shown below:", "An analysis of goodwill is shown below:", "Yen", "U.S. Dollars", "(millions)", "(thousands)", "Years ended March 31", "1999", "2000", "2000", "Balance at beginning of year", "¥231,267", "¥222,608", "$2,100,075", "Additions", "27,311", "6,405", "60,425", "Amortization", "21,754", "27,621", "260,575", "Translation differences", "(14,216)", "(15,072)", "(142,189)", "Balance at end of year", "¥222,608", "¥186,320", "$1,757,736" ]

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[ "longevity", "As a result, we sacrificed income for the sake of improving", "a live oak may experience a rapid first year growth rate", "the risk posture of the Company. Our research indicates", "of up to four feet. Likewise, IBERIABANK Corporation", "our bond portfolio remains very short relative to many", "demonstrated exceptional growth over the last few", "other banks. Clearly, we could improve near-term", "years both internally and externally.", "earnings, at any time, by simply extending maturities,", "but we have elected to keep the portfolio short in", "The level of our internal growth is evident in our", "duration at this time. We have been very patient and", "financial results for the year just completed. During a", "disciplined in our approach to investing our liquidity. ", "period ", "when ", "many ", "banks ", "experienced ", "margin", "compression, our tax-equivalent net interest margin", "Our conviction to run a well-managed commercial bank", "improved from 4.11% in 2001 to 4.49% in 2002, or 38", "is evident in many ways. One is to adhere to the highest", "basis points. Net interest income, on a tax-equivalent", "standards of corporate governance and financial", "basis, increased over 11% in 2002 compared to 2001.", "disclosure. We have been very open and forthright in", "Likewise, total revenues, on a tax-equivalent basis, ", "our communications with investors. We are proud to", "certify the financial statements we file", "with ", "the ", "Securities ", "and ", "Exchange", "$0.79", "Commission. Our management team feels", "Growth Features", "$0.76 ", "$0.76", "$0.76", "S", "Profitability – Quarterly EP", "$0.75", "$0.75", "strongly that honesty and integrity are", "$0.73", "$0.73", "$0.72", "$0.72", "$0.72", "Reported EPS", "critical elements of our foundation.", "IBES* Est. EPS", "$0.68", "$0.64", "$0.63", "To further assist us in cementing this", "$0.62", "Fully-Diluted EPS", "$0.60", "$0.59", "$0.59", "$0.58", "$0.58", "foundation, on July 1, 2002, we officially", "$0.57", "$0.57", "$0.56", "$0.56", "$0.56", "$0.56", "became a member of the Federal Reserve", "$0.53", "$0.52", "$0.51", "$0.50", "System. ", "This ", "decision ", "was ", "due, ", "in", "$0.48", "$0.48", "$0.46", "significant part, to our interest in ensuring", "$.044", "we have the insight and expertise of the", "$0.40", "very capable examiners associated with", "00", "01", "4Q02", "4Q00", "4Q01", "3Q00", "2Q02", "3Q01", "3Q02", "1Q02", "1Q01", "1Q00", "2Q", "2Q", "this agency. We are delighted to have", "* I/B/E/S International is a source of analysts’ earnings", "become a member of the Federal Reserve", "expectations data.", "System, and we look forward to gaining", "insight and wisdom from our affiliation with", "gained nearly 14% over the same period. Net income", "this agency.", "gre", "w 27% during 2002 and fully diluted earnings per share", "(“EPS”) climbed 28%, including the favorable impact of", "We are an organization focused on continuous", "FAS 142. We reported record operating earnings and we", "improvement, ", "methodical ", "in ", "our ", "approach ", "to", "have met or exceeded average analyst expectations for", "investment and disciplined in building our foundation", "fully diluted EPS in each of the last 12 quarters.", "for growth. While patience may mean sacrificing near-term", "benefits for long-term stability and gains, this is an", "Total loans increased over 9% between December 31, 2001", "approach consistent with our culture. As the French", "and December 31, 2002, led by a 20% increase in", "philosopher, Joseph Marie de Maistre, once said, “To", "commercial loans. Commercial loan growth was most", "know how to wait is the great secret of success.” ", "evident in our New Orleans franchise, where commercial", "loans jumped 76% during the year. Growth in the New", "GROWTH", "Orleans market continues to exceed our expectations.", "Tangible book value per share climbed nearly 10% between", "While the oak tree is many times associated with", "year-ends 2001 and 2002. Over the same period, total", "patience, it also bears the characteristic of growing", "assets expanded by 10%, which is the fastest asset growth", "we experienced since 1998.", "quickly. For example, under favorable soil conditions,", "6" ]

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[ "Notes to Consolidated Financial Statements", "As of June 30, 2000, ther e remained approximately", "Distribution and Provider Services, Medical-Surgical", "4.8", "million additional shares available to be issued pur -", "Products and Services, Pharmaceutical Technologies and", "suant to the Plans.", "Services and Automation and Information Services. ", "The market value of restricted shares awarded ", "The Pharmaceutical Distribution and Provider Ser-", "by the Company is recorded in the “Other” component", "vices segment involves the distribution of a br oad line ", "of shareholders’ equity in the accompanying consoli -", "of pharmaceuticals, healthcare and beautycare products,", "dated balance sheets. The compensation awar ds are", "therapeutic plasma and other specialty phar maceutical", "amortized to expense over the period in which par tici-", "products and other items typically sold by hospitals, r etail", "pants perform services, generally one to seven years. ", "drug stores and other healthcare providers. In addition,", "As of June 30, 2000, appr oximately 0.3 million shares", "this segment provides services to the healthcare industry", "remained restricted and subject to forfeiture. ", "through integrated pharmacy management, temporary", "The Company has an employee stock pur chase plan", "pharmacy staffing, as well as franchising of apothecar y-", "under which the sale of 5.0 million of Car dinal’s common", "style retail pharmacies.", "stock have been authorized. The pur chase price is deter-", "The Medical-Surgical Products and Services segment", "mined by the lower of 85 per cent of the closing market", "involves the manufacture of medical, surgical and lab-", "price on the date of subscription or 85 per cent of the", "oratory products and the distribution of these pr oducts ", "closing market price on the last day of the of fering", "to hospitals, physician offices, surgery centers and other", "period. At June 30, 2000, subscriptions of 0.3 million", "healthcare providers.", "were outstanding, however no shares had been issued ", "The Pharmaceutical Technologies and Services seg-", "to employees under the plan.", "ment provides services to the healthcare manufacturing", "industry through the design of unique dr ug delivery sys-", "12.", "Segment Information", "tems, liquid fill contract manufacturing, compr ehensive", "packaging services, and reimbursement services.", "In the prior year, the Company was comprised of thr ee", "The Automation and Information Services segment pro-", "reportable segments: Pharmaceutical Distribution,", "vides services to hospitals and other healthcar e providers", "Pharmaceutical Services and Medical-Surgical Products. ", "through pharmacy automation equipment and clinical", "In September 2000, the Company expanded its manage -", "information system services. ", "ment reporting structure from three to four reportable", "The Company evaluates the performance of the seg-", "segments by separating the Pharmaceutical Services", "ments based on operating earnings after the corporate", "segment primarily into two segments: Phar maceutical", "allocation of administrative expenses. Information about", "Technologies and Services and Automation and Informa-", "interest income and expense, and income taxes is not pr o-", "tion Services. Prior period amounts have been r estated ", "vided on a segment level. In addition, special char ges are", "for this change.", "not allocated to the segments. The accounting policies ", "The Company’s operations are principally managed ", "of the segments are the same as described in the sum -", "on a products and services basis and are comprised ", "mary of significant accounting policies. ", "of four reportable business segments: Pharmaceutical", "48", "Cardinal Health, Inc. Annual Report 2000" ]

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[ "Content", "2", "The locations", "2", "The Company", "4", "The Chairman’s Report", "8", "Report of Independent Accountants", "10", "Consolidated Balance Sheets as of December ", "31, 2000 and 1999", "11", "Consolidated Statements of Income for years ", "ended December 31, 2000, 1999 and 1998", "12", "Consolidated Statements of Stockholders’ ", "Equity for years ended December 31, 2000, ", "1999 and 1998", "13", "Consolidated Statements of Cash Flows for ", "years ended December 31, 2000, 1999 ", "and 1998", "15", "Notes to Financial Statements", "Supply to South Bimini in ", "the Bahamas is scheduled ", "to start June 1st 2001." ]

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[ "conversion of its back office and cash register", "A message from our CEO to our shareholders:", "systems into Chico’s systems. We also rolled out", "“The Black Book,” a new customer loyalty program", "Fiscal year 2004 was an exciting year for Chico’s", "for White House | Black Market that emulates the", "and we are extremely proud of our performance.", "extremely successful Chico’s Passport Club.", "Our brand is stronger than ever and we have", "And finally, and probably most noteworthy,", "tremendous momentum. Our customer-centric", "we completed the implementation of the pilot", "philosophy and unique merchandise fueled much", "phase of our new intimate apparel line, soma by", "of our success and helped us exceed the", "Chico’s, with the opening of ten stores across the", "$1 billion mark in yearly sales for the first time.", "United States.", "We also delivered our eighth consecutive year of", "double-digit comparable store sales increases.", "As many of you know, corporate governance has", "always been extremely important to Chico’s, even", "Our financial results and financial position have", "before the recent enactment of more stringent", "never been stronger. In 2004, net income rose", "requirements by the SEC and the New York Stock", "41% from $100 million to almost $141 million or $.78", "Exchange. We have continued to focus on and", "per diluted share on a split-adjusted basis (the per", "strengthen ", "our ", "commitment ", "to ", "corporate", "share information takes into consideration the", "governance. Chico’s is pleased to report that,", "two-for-one stock split we effectuated on", "based on our assessment, management believes", "February 22, 2005). Net sales also increased for", "that the company’s internal controls over financial", "the fiscal year by 39% to a record $1.067 billion.", "reporting are effective and we are in full", "Comparable store sales for company-owned", "compliance with Section 404 of Sarbanes-Oxley.", "stores increased 12.9% for the fiscal year, and both", "gross and operating margins improved once", "We continue to add bench strength to both our", "again. Our balance sheet is solid and we have no", "Board of Directors and our executive and ", "debt other than our current operating liabilities.", "middle management teams. In fiscal 2004,", "We increased our combined cash and marketable", "we expanded our Board to nine members ", "securities balance from $120 million to $266", "with the addition of Stewart P. “Tom” Mitchell,", "million, and our net book value increased by $186", "CFO of Ferguson Enterprises, Inc.", "Mr. Mitchell", "million to end the year in excess of $560 million.", "joined our Board in June and became the chair", "We also adopted a stock repurchase program and", "of our Audit Committee.", "His addition has", "acquired $5 million of stock under this program.", "allowed us to satisfy the New York Stock", "Exchange requirement that a majority of our", "Fiscal ", "2004 ", "saw ", "many ", "other ", "significant", "directors must qualify as independent outside", "accomplishments for Chico’s.", "We opened ", "directors.", "With his financial background, Tom’s", "100 net new stores, expanded or relocated 31", "addition has enabled Chico’s to meet the", "stores, and increased our net square footage by", "requirement that the Audit Committee contain a", "approximately 23%.", "We completed the White", "“financial expert.”", "House | Black Market integration, including the ", "2" ]

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[ "67", "Executive Compensation / Summary Compensation Table", "Franklin Covey 2000 Annual Report", "EXECUTIVE COMPENSATION", "The compensation of Robert A. Whitman, the Company’s Chief Ex", "ecutive Officer and the four other most highly paid", "executive officers during the fiscal year ended August 31, 2000 is ", "shown on the following pages in three tables and", "discussed in a report from the Compensation Committee of the ", "Board of Directors. ", "Summary Compensation Table", "Long Term ", "Annual Compensation", "Compensation Awards", "Restricted", "Fiscal", "Ot", "her Annual", "Stock", "Options/", "All Other", "Name and Position", "Year", "Salary", "Bonus", "Com", "pensation(1)", "Awards(2)", "SARs(#)(3)", "Compensation(4)", "Robert A. Whitman", "2000", "$336,539", "$375,000", "$22,990", "$", "_", "_", "$", "_", "Chairman and Chief ", "1999", "_", "_", "14,000", "_", "_", "_", "Executive Officer", "1988", "_", "_", "18,000", "_", "_", "_", "Val John Christensen", "2000", "320,708", "150,000", "_", "_", "_", "8,808", "Executive Vice President ", "1999", "163,323", "90,000", "_", "_", "90,300", "4,771", "and Secretary", "1998", "156,667", "71,820", "_", "_", "_", "2,891", "Stephen M. R. Covey", "2000", "225,885", "188,000", "_", "_", "_", "6,399", "Executive Vice President ", "1999", "181,731", "90,000", "_", "_", "25,000", "4,800", "1998", "195,769", "216,375", "_", "_", "_", "4,754", "Don J. Johnson", "2000", "174,423", "130,000", "_", "_", "_", "5,916", "Executive Vice President ", "1999", "156,821", "121,170", "–", "–", "30,000", "4,431", "1998", "156,250", "71,820", "–", "–", "49,000", "3,790", "John R. Harding", "2000", "168,654", "125,000", "–", "–", "–", "7,597", "Executive Vice President", "1999", "136,218", "37,584", "–", "–", "55,000", "4,038", "1998", "137,740", "18,726", "–", "–", "–", "8,812", "______________________", "(1)", "Includes compensation paid to Mr. Whitman as a member of the Board of Dir", "ectors for fiscal year 1999 and 1998 and a travel allowance for fiscal", "year 2000. ", "(2)", "Restricted stock awards vest in full four years from the date of grant. No ves", "ting occurs prior to four years from grant. Holders of restricted shares", "are entitled to vote the shares. The number of shares granted to each of the per", "sons named in the foregoing table and the value of restricted", "shareholdings at the end of the fiscal year is as follows: ", "Number", "Value at", "Name", "Of Shares", "August 31, 2000", "Val John Christensen", "4,000", "$26,500", "Don J. Johnson", "1,000", "6,250", "Val John Christensen", "1,000", "6,250", "(3)", "Amounts shown reflect options granted to the named executive officers pursuant", "to the Franklin Covey 1992 Stock Incentive Plan (the “Incentive", "Plan”). As of August 31, 2000, the Company had not granted any stock appr", "eciation rights. ", "(4)", "Amounts shown reflect contributions made by the Company for the benefit of t", "he named executive officers under the Franklin Covey 401(k) Profit", "Sharing Plan. " ]

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[ "NOTES TO THE FINANCIAL STATEMENTS CONTINUED", "Notes to and forming part of the Consolidated Financial Statements", "For the period from incorporation to 26 June 2004", "RESERVES AND RETAINED EARNINGS", "Consolidated", "Parent ", "24", "entity ", "entity", "2004", "2004", "$’000", "$’000", "Reserves", "Foreign currency translation reserve ", "2 ", "0", "Movements ", "Balance at the beginning of the financial period ", "0 ", "0 ", "Net exchange difference on translation of", "foreign controlled entity ", "2 ", "0", "Reserves at the end of the financial period ", "2 ", "0", "Retained earnings", "Balance at the beginning of the financial period ", "0 ", "0", " Net profit/(loss) for the financial period attributable", "to shareholders of Super Cheap Auto Group Limited ", "2,767 ", "0", "Dividends provided for or paid ", "0 ", "Retained profits/(losses) at the end", "of the financial period ", "2,767 ", "0", "Nature and purpose of reserves ", "Nature and purpose of reserves ", "Foreign currency translation reserve. ", "Foreign currency translation reserve. ", "Exchange differences which arise on translation of the foreign controlled entity are taken to the ", "foreign currency translation reserve (refer Note 1(c)(iii)).", "Parent ", "25", "entity", "DIVIDENDS", "2004", "$’000", "Ordinary shares", "No dividends were declared or paid by ", "Super Cheap Auto Group Limited during the reporting period. ", "0", "Total dividends provided and paid ", "0", "During the period, Super Cheap Auto Pty Ltd paid a $5 million dividend which had been declared at", "30", "June 2003. Super Cheap Auto Pty Ltd declared an interim dividend of $5 million to its shareholders ", "prior to its acquisition by the Company. This dividend will be paid in August 2004.", "Franking credits ", "The franked portions of dividends paid after 26 June 2004 will be franked", "out of existing franking credits and out of franking credits arising from", "the payments of income tax in the years ending after 26 June 2004. ", "Franking credits remaining at balance date available for dividends declared", "after the current balance date based on a tax rate of 30% ", "15,926", "The above amounts represent the balance of the franking account as at the end of the financial ", "period, adjusted for:", "•", "franking credits that will arise from the payment of the current tax liability; and, ", "franking debits that will arise from the payment of the dividend as a liability at the reporting date.", "The amount recorded above as the franking credit amount is based on the amount of Australian income ", "tax paid or to be paid in respect of the liability for income tax at the balance date.", "68" ]

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[ "The outstanding U.S. credit facilities increased from US$68.9 million at December 31, 2002 to", "US$83.9 million at December 31, 2003 due to net additional borrowing of US$15 million. The", "decrease in the U.S. exchange rate from $1.58 at December 31, 2002 to $1.30 at December 31,", "2003 is offset by the increased borrowing of the U.S. credit facilities resulting in no change in the", "value of U.S. credit facilities measured in Canadian dollars.", "The Company attempts to manage its long-term debt by spreading maturity dates in order to", "mitigate against short-term volatility in the debt markets. At December 31, 2003, the Company had", "mortgages and credit facilities aggregating $69.5 million coming due in 2004, of which $7.9 million", "were fixed rate mortgages at an average interest rate of 5% and $22.2 million representing", "amortization of principal balances during the year. The remaining $39.4 million of floating rate", "mortgages and credit facilities maturing in 2004 are being used to primarily finance development", "and redevelopment activities. As these projects are completed, Management intends to arrange long-", "term permanent financing against these projects.", "The Company’s debt maturity profile is summarized as follows:", "(thousands of dollars)", "Canada", "U.S.", "Total", "% Due", "2004", "$", "56,907", "$", "12,634", "$", "69,541", "8.8", "2005", "47,653", "6,416", "54,069", "6.9", "2006", "31,400", "12,629", "44,029", "5.6", "2007", "63,126", "77,131", "140,257", "17.8", "2008", "42,936", "–", "42,936", "5.5", "2009", "36,565", "–", "36,565", "4.7", "2010", "63,222", "–", "63,222", "8.0", "2011", "43,806", "–", "43,806", "5.6", "2012", "68,157", "–", "68,157", "8.7", "2013", "113,236", "–", "113,236", "14.4", "Thereafter", "110,483", "–", "110,483", "14.0", "$", "677,491", "$", "108,810", "$", "786,301", "100.0", "Debentures Payable", "In December 2003, the Company paid the $14.7 million outstanding principal balance of the 7.5%", "debentures on maturity. Prior to maturity, $0.2 million of the debentures were converted to 7.25%", "convertible debentures, and $0.3 million were purchased and cancelled by the Company.", "Convertible Debentures ", "The following table summarizes the components of the Company’s convertible debentures.", "(thousands of dollars)", "2003", "2002", "Interest Rate", "Principal", "Liability", "Equity", "Principal", "Liability", "Equity", "8.50%", "$", "–", "$", "–", "$", "–", "$", "57,441", "$", "15,580", "$", "43,557", "7.875%", "97,522", "20,234", "81,088", "97,522", "25,692", "74,764", "7.00%", "99,999", "–", "102,153", "99,999", "–", "101,314", "7.25%", "161,702", "–", "154,316", "161,477", "–", "151,695", "$ 359,223", "$", "20,234", "$ 337,557", "$", "416,439", "$", "41,272", "$", "371,330", "29", "First Capital Realty Annual Report 2003" ]

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[ 7, 11, 11, 11, 11 ]

[ "®", "2", "0 0 3 ", "A N N U A L ", "R E P O R T" ]

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[ "df, Westshore Terminals Ltd.", "df, Westshore Terminals Ltd.", "Statements of Earnings and Deficit", "Statements of Earnings and Deficit", "For the years ended December 31, 2002 and 2001 (expressed in thousands of dollars)", "2002", "2001", "$", "$", "Revenue", "Coal", "109,581", "126,186", "Other", "2,085", "879", "111,666", "127,065", "Expenses", "Operating", "52,445", "61,922", "Administrative", "5,867", "6,286", "58,312", "68,208", "Earnings before depreciation, interest and income taxes", "53,354", "58,857", "Depreciation", "10,201", "10,023", "Interest expense (note 3)", "43,865", "50,164", "Loss before income taxes", "(712)", "(1,330)", "Recovery of income taxes (note 5)", "1,543", "3,378", "Net earnings for the year", "831", "2,048", "Deficit - Beginning of year", "(569,966)", "(572,014)", "Deficit - End of year", "(569,135)", "(569,966)", "19" ]

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[ "2004 ANNUAL REPORT TO SHAREHOLDERS", "REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM", "To the Shareholders and Board of Directors of American Electric Power Company, Inc. : ", "We have audited the consolidated balance sheets of American Electric Power Company, Inc. and subsidiary companies (the ", "“Company”) as of December 31, 2004 and 2003, and the related consolidated statements of operations, cash flows, common ", "shareholders’ equity and comprehensive income (loss), for each of the three years in the period ended December 31, 2004. We ", "also have audited management’s assessment of the effectiveness of the Company’s internal control over financial reporting ", "and the effectiveness of the Company’s internal control over financial reporting as of December 31, 2004. Such consolidated ", "financial statements, management’s assessment of the effectiveness of the Company’s internal control over financial report-", "ing and our reports thereon dated February 28, 2005, expressing unqualified opinions and including explanatory paragraphs ", "referring to the adoption of SFAS 142 “Goodwill and Other Intangible Assets,” SFAS 143 “Accounting for Asset Retirement ", "Obligations,” EITF 02-3 “Issues Involved in Accounting for Derivative Contracts Held for Trading Purposes and Contracts ", "Involved in Energy Trading and Risk Management Activities,” FIN 46 “Consolidation of Variable Interest Entities,” and ", "FASB Staff Position No. FAS 106-2 “Accounting and Disclosure Requirements Related to the Medicare Prescription Drug ", "Improvement and Modernization Act of 2003,” (which are not included herein) are included in Appendix A to the proxy ", "statement for the 2004 annual meeting of shareholders. The accompanying condensed consolidated financial statements are ", "the responsibility of the Company’s management. Our responsibility is to express an opinion on such condensed consoli-", "dated financial statements in relation to the complete consolidated financial statements.", "In our opinion, the information set forth in the accompanying condensed consolidated balance sheets as of Decem-", "ber 31, 2004 and 2003, and the related condensed consolidated statements of operations and of cash flows for the years then ", "ended, is fairly stated in all material respects in relation to the basic consolidated financial statements from which it has", "been derived.", "Columbus, Ohio", "February 28, 2005 ", "MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING", "The management of American Electric Power Company, Inc. and subsidiary companies (AEP) is responsible for establishing ", "and maintaining adequate internal control over financial reporting as such term is defined in Rule 13a-15(f) and 15d-15(f) ", "under the Securities Exchange Act of 1934, as amended. AEP’s internal control system was designed to provide reasonable ", "assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes ", "in accordance with generally accepted accounting principles.", "Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. ", "Also projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inad-", "equate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. ", "AEP management assessed the effectiveness of the company’s internal control over financial reporting as of December ", "31, 2004. In making this assessment we used the criteria set forth by the Committee of Sponsoring Organizations of the ", "Internal Control – Integrated Framework", ". Based on our assessment, the Company’s internal ", "Treadway Commission (COSO) in ", "control over financial reporting was effective as of December 31, 2004.", "AEP’s independent registered public accounting firm has issued an attestation report on our assessment of the Com-", "pany’s internal control over financial reporting. The Report of Independent Registered Public Accounting Firm appears in ", "Appendix A to the Proxy Statement.", "23" ]

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[ "All", "Corporate", "Consumer", "Mortgage", "Trust", "Regional", "Other/", "Un Thousands)", "Banking", "Banking", "Banking", "Services", "Banks", "Eliminations", "Total", "Year ended December 31,2001", "Net interest revenue/(expense)", "from external sources", "$199,771", "$ (34,049)", "$32,545", "$209", "$ 138,846 © $ (10,548)", "$", "326,774", "Net interest revenue/(expense)", "from internal sources", "(86,615)", "94,393", "(20,867)", "13,589", "(11,690)", "11,190", "=", "Total net mterest' revenue", "113,156", "60,344", "11,678", "13,798", "127,156", "642", "326,774", "Provision for loan losses", "10,493", "4,171", "47", "128", "5,970", "16,801", "37,610", "Operating revenue", "29,506", "29,995", "52,814", "40,855", "19,664", "59,864", "232,698", "Financial instruments", "gains/(losses)", "(250)", "-", "12,757", "-", "484", "13,587", "26,578", "Operating expense", "57,322", "59,099", "47,750", "38,534", "91,253", "59,253", "353,211", "Provision for impairment.of", "mortgage servicing rights", "15,551", "15,551", "Income taxes", "29,017", "10,530", "5,408", "6,220", "18,430", "(5,993)", "63,612", "Transition adjustment of", "=", "236", "236", "adoption of FAS 133", "=", "~", "=", "-", "Net income", "$....45,580", "$..,16,539", "_.$_", "8,493", "$9,771", "$31,651", "$4,268", "3", "116,302", "Average assets", "$3,854,310", "$2,192,698", "$651,103", "$475,715", "$3,352,155:", "$(308,947)", "$10,217,034", "Average equity", "442,870", "69,102", "50,891", "41,290", "409,622", "(234,931)", "778,844", "Performance measurements:", "Return on assets", "1.18%", "0.75%", "1.30%", "2.05%", "0.94%", ":", "-", "1.14%", "Return on equity", "10.29", "23.93", "16.69", "23.66", "7.73", "-", "14.93", "Efficiency ratio", "40.18", "65.42", "74.04", "70.51", "62.15", "=", "63.13", "Reconciliation to Consolidated Financial Statements", "Other", "Other", "Net Interest", "Operating", "Operating", "Average", "Revenue", "Revenue!", "Expense", "Assets", "Total reportable segments", "$326,132", "$172,834", "$309,509", "$10,525,981", "Total nonreportable segments", "586", "59,829", "45,355", "30,630", "Unallocated items:", "Tax-equivalent adjustment", "8,045", "-", "-", "=", "Funds management", "15,177", "(408)", "7,946", "323,113", "All others (including", "eliminations), net", "(23,166", "443", "5,952", "(662,690)", "BOK Financial consolidated", "$326,774", "$232,698", "$368,762.", "$10,217,034", "‘Excluding financial instrument gains/(losses)" ]

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[ "Store-Brand Credit Cards", "Our store-brand credit cards", "GiftCards", "Through innovative designs that reinforce ", "build guest loyalty and", "our brand image and satisfy a wide range of gift-giving", "reinforce affinity with our", "occasions, GiftCards are an important way for us to", "brand through unique", "delight our guests and drive incremental sales and traffic ", "Rewards programs, special", "in our stores. According to a recent survey, more than", "offers and customized", "90", "percent of guests who come to a Target store to", "marketing. They also generate", "redeem a GiftCard spend more than the value of the card.", "a strong financial return.", "From a financial perspective, Target Visa demonstrates", "While our proprietary credit cards at Target, MervynGLYPH<213>s", "our adherence to financial discipline and also clearly", "and Marshall FieldGLYPH<213>s create an important affinity with our", "satisfies our primary objectives. Since the card was first", "guests and contribute meaningfully to our financial", "introduced, our net yield on the Visa portfolio has steadily", "performance, other products and services are increasingly", "improved, and in 2003 our profit contribution from this", "visible and valuable. Gift cards, for example, represent", "portfolio was substantially above its prior year level.", "another form of branded payment that has experienced", "rapid growth in recent years. Since our first GiftCard was", "Growing Fast, Growing Smart", "issued in 1999, GiftCards have enjoyed a substantial double-", "Our credit card operations have achieved tremendous", "digit dollar increase every year. And, by applying the same", "results. Yet, for all of our success, weGLYPH<213>re not standing still.", "differentiated and innovative approach to our GiftCards", "We continue to pursue initiatives that expand our horizon", "as to our merchandising and marketing, Target is among", "beyond the traditional credit card business and leverage", "the largest issuers of gift cards in the world.", "our scale and technology to generate profitable growth", "Target Visa", "and improve our guestsGLYPH<213> experience. For example, our", "guest contact centers are staffed by specialists who handle", "The Target Visa exemplifies both our key strategic objec-", "all guest inquiries and correspondence from Target stores", "tives and our core operating principles.", "guest relations, our bridal and baby registries, Take Charge", "Target Visa guests are more devoted Target shoppers", "of Education and our credit card operations. In addition,", "and routinely spend 50 to 60 percent more at Target", "by recognizing the parallels between credit and check", "stores than other Target guests. This loyalty affirms our", "payment models and applying our core credit card", "belief that the utility of the Target Visa card, in conjunction", "disciplines and tools to our in-store check authorizations,", "with programs such as Take Charge of Education (TCOE)", "we have significantly reduced our returned check expenses.", "and Target Rewards, delivers meaningful, incremental", "Vision and discipline continue to be the cornerstones", "value and strengthens our bond with our guests.", "of our approach as we propel our business forward. And", "This bond is reinforced through the efforts of our own", "as we grow, we remain firmly committed to our mission:", "credit card team members. By maintaining direct access", "to deliver financial products and services that drive sales,", "to our guests, we are able to acquire valuable information", "deepen guest relationships and sustain outstanding", "that helps us to more effectively serve their needs.", "profitability.", "Furthermore, our considerable experience in managing", "credit card operations over many decades has contributed", "to an operating efficiency consistent with industry leaders.", "11" ]

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[ "Year Ended", "August 30,", "August 31,", "August 25,", "(in thousands, except per share data)", "2003", "2002", "2001", "Reported net income", "$517,604", "$428,148", "$175,526", "Deduct total incremental stock-based compensation expense determined under ", "fair-value-based method for all awards, net of related tax effects", "14,506", "8,969", "6,945", "Pro forma net income", "$503,098", "$419,179", "$168,581", "Basic earnings per share:", "As reported", "$", "5.45", "$", "4.10", "$", "1.56", "Pro forma", "$", "5.30", "$", "4.01", "$", "1.50", "Diluted earnings per share:", "As reported", "$", "5.34", "$", "4.00", "$", "1.54", "Pro forma", "$", "5.20", "$", "3.91", "$", "1.48", "Stock options that were not included in the pro forma fully diluted computation because they would have been anti-dilutive were 1.5 million", "shares at August 30, 2003, and 0.1 million shares at August 31, 2002.", "The effects of applying SFAS 123 and the results obtained through the use of the Black-Scholes option-pricing model in this pro forma ", "disclosure are not necessarily indicative of future amounts. The weighted average fair value of the stock options granted was $24.59 per", "share during fiscal 2003, $16.10 per share during fiscal 2002 and $10.19 per share during fiscal 2001. The fair value of each option granted is", "estimated on the date of the grant using the Black-Scholes option-pricing model with the following weighted average assumptions for grants", "in 2003, 2002 and 2001:", "Year Ended", "August 30,", "August 31,", "August 25,", "2003", "2002", "2001", "Expected price volatility", "38%", "39%", "37%", "Risk-free interest rates", "2.99%", "2.41%", "4.15%", "Expected lives in years", "4.24", "4.30", "5.32", "Dividend yield", "0%", "0%", "0%", "Recent Accounting Pronouncements:", "In January 2003, the Financial Accounting Standards Board issued Interpretation No. 46, “Consolidation of", "Variable Interest Entities” (FIN 46). FIN 46 clarifies the application of Accounting Research Bulletin No. 51, “Consolidated Financial", "Statements,” to certain entities in which equity investors do not have the characteristics of a controlling financial interest or do not have ", "sufficient equity at risk for the entity to finance its activities without additional subordinated financial support from other parties. FIN 46", "requires the consolidation of certain types of entities in which a company absorbs a majority of another entity’s expected losses or residual", "returns, or both, as a result of ownership, contractual or other financial interests in the other entity. These entities are called variable inter-", "est entities. FIN 46 applies immediately to variable interest entities created or acquired after January 31, 2003. For variable interest entities", "created or acquired prior to February 1, 2003, the provisions of FIN 46 must be applied at the end of periods ending after December 15,", "2003. The Company is currently evaluating the impact of FIN 46 and does not expect its adoption to have a significant impact on its", "Consolidated Financial Statements.", "Note B—Derivative Instruments and Hedging Activities:", "AutoZone has utilized interest rate swaps to convert variable rate debt to fixed rate debt. At August 30, 2003, the Company held an ", "interest rate swap contract, with a September 2003 maturity date, to hedge $25 million variable rate debt associated with commercial ", "paper borrowings.", "AutoZone, Inc. 2003 Annual Report", "37" ]

[ [ 117, 610, 442, 631 ] ]

[ 10 ]

[ "Expect More. Pay Less." ]

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[ "International Paper’s Report on Form 8-K filed on", "Agreement entered into by Company employees who", "June 29, 2000, File No. 1-3157).", "may receive restricted stock awards pursuant to the", "Long-Term Incentive Compensation Plan of the", "(4.5)", "8", "1/8% Notes Due July 8, 2005 Supplemental", "Company (incorporated by reference to Exhibit 10.2", "Indenture dated as of June 14, 2000, between", "of the Company’s Quarterly Report on Form 10-Q for", "International Paper and The Bank of New York, as", "the quarter ended June 30, 2003, File No. 1-3157).", "Trustee (incorporated by reference to Exhibit 4.4", "to International Paper’s Report on Form 8-K filed", "(10.3)", "Management Incentive Plan, amended and restated", "on June 29, 2000, File No. 1-3157).", "as of January 1, 2003 (incorporated by reference", "to Exhibit 10.2 to the Company’s Quarterly Report", "(4.6)", "Form of new 8 1/8% Notes due July 8, 2005", "on Form 10-Q for the quarter ended March 31,", "(incorporated by reference to Exhibit 4.1 to", "2003, File No. 1-3157).", "International Paper Company’s Registration", "Statement on Form S-4 dated October 23, 2000, as", "(10.4)", "Form of individual non-qualified stock option", "amended November 15, 2000, File No. 333-48434).", "agreement under the Company’s Long-Term", "Incentive Compensation Plan (incorporated by", "(4.7)", "Zero Coupon Convertible Senior Debentures due", "reference to Exhibit 10.6 to the Company’s Annual", "June 20, 2021 (incorporated by reference to", "Report on Form 10-K for the fiscal year ended", "Exhibit 4.2 to International Paper Company’s", "December 31, 2001, File No. 1-3157).", "Registration Statement on Form S-3 dated June 20,", "2001, as amended September 7, 2001, October 31,", "(10.5)", "Form of individual executive continuity award", "2001 and January 16, 2002, File No. 333-69082).", "under the Company Long-Term Incentive", "Compensation Plan (incorporated by reference to", "(4.8)", "6.75% Notes due 2011 Supplemental Indenture", "Exhibit 10.9 to the Company’s Annual Report on", "between International Paper Company and The", "Form 10-K for the fiscal year ended December 31,", "Bank of New York (incorporated by reference to", "1999, File No. 1-3157).", "Exhibit 4.1 to the Company’s Quarterly Report on", "Form 10-Q for the quarter ended September 30,", "(10.6a)", "Form of Change of Control Agreement for Chief", "2001, File No. 1-3157).", "Executive Officer (incorporated by reference to", "Exhibit 10.8a to the Company’s Annual Report on", "(4.9)", "4.25% Notes due 2009 and 5.50% Notes due 2014", "Form 10-K for the fiscal year ended December 31,", "Supplemental Indenture dates as of December 15,", "2001, File No. 1-3157).", "2003, between International Paper Company and", "The Bank of New York (incorporated by reference", "(10.6b)", "Form of Change of Control Agreement--Tier I", "to Exhibit 4.9 to the Company’s Annual Report on", "(incorporated by reference to Exhibit 10.8b to the", "Form 10-K for the fiscal year ended December 31,", "Company’s Annual Report on Form 10-K for the fiscal", "2003, File No. 1-3157).", "year ended December 31, 2001, File No. 1-3157).", "(4.10)", "4.00% Notes due 2010 and 5.25% Notes due 2016", "(10.6c)", "Form of Change of Control Agreement--Tier II", "Supplemental Indenture, dated as of March 18,", "(incorporated by reference to Exhibit 10.8c to the", "2004, between International Paper Company and", "Company’s Annual Report on Form 10-K for the fiscal", "The Bank of New York, as Trustee (incorporated", "year ended December 31, 2001, File No. 1-3157).", "by reference to Exhibit 4.1 to the Company’s", "Report on Form 8-K dated March 19, 2004, File", "(10.7)", "Unfunded Supplemental Retirement Plan for Senior", "No. 1-3157).", "Managers, as amended (incorporated by reference", "to Exhibit 10.9 to the Company’s Annual Report on", "(4.11)", "In accordance with Item 601 (b) (4) (iii) (A) of", "Form 10-K for the fiscal year ended December 31,", "Regulation S-K, certain instruments respecting long-", "2001, File No. 1-3157).", "term debt of the Company have been omitted but", "will be furnished to the Commission upon request.", "(10.8)", "International Paper Company Unfunded Savings", "Plan (incorporated by reference to Exhibit 10.11 to", "(10.1)", "Amended and Restated Long-Term Incentive", "the Company’s Form 10K/A for the year 2000 dated", "Compensation Plan, as of February 2, 2005", "January 16, 2002, File No. 1-3157).", "(incorporated by reference to Exhibit 99.1 of the", "Company’s Report on Form 8-K dated February 11,", "(10.9)", "International Paper Company Pension Restoration", "2005, File No. 1-3157).", "Plan for Salaried Employees (incorporated by", "reference to Exhibit 10.12 to the Company’s Form", "(10.2)", "Form of Confidentiality and Non-Competition", "10K/A for the year 2000 dated January 16, 2002,", "84" ]

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[ "/", "KORN", "FERRY INTERNATIONAL", "\"", "U", "I", "L", "D", "I", "N", "G", "#", "O", "R", "P", "O", "R", "A", "T", "E", "$", ".", "!", "! N N U A L 2 E P O R T" ]

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[ "Making a difference in our business and in our world", "Better packaging ideas make a positive difference not only in our", "business, but in our world.", "Sealed Air", "revolutionized protective packaging with the invention of Bubble", "Wrap", "cushioning in 1960. This innovation, like the many others from Sealed Air,", "®", "continues to demonstrate that better packaging ideas make a positive ", "difference, not only in our business, but in our world. Lightweight Sealed Air", "®", "protective packaging innovations save energy by reducing freight. Efficient ", "and effective Sealed Air food packaging systems help feed a hungry world ", "and save scarce resources by protecting meat and other food products from", "spoilage during distribution.", "Our Bubble Wrap product line has significantly reduced damage and breakage", "during shipping and storage for more than a generation. This incredibly ", "lightweight material has also reduced freight and postage costs compared to", "Top: Lightweight Sealed Air", "®", "the heavier paper used before Bubble Wrap cushioning. We probably don’t", "protective packaging ", "even need to mention the countless hours of simple fun enjoyed by millions ", "innovations save energy by", "of children every year popping Bubble Wrap bubbles. In fact, Sealed Air’s", "reducing freight. ", "Bubble Wrap brand is so widely recognized that the last Monday of January", "Bottom: Sealed Air’s", "every year has been declared national Bubble Wrap Appreciation Day by", "Cryovac", "performance food", "®", "Chase’s Calendar of Events. ", "packaging products have", "enabled the safe, secure ", "Our Cryovac", "performance food packaging products have enabled the safe,", "®", "distribution of fresh food for", "secure distribution of fresh meat, poultry and other food products for more", "more than 50 years. ", "than 50 years. Cryovac packaging efficiently extends shelf life and reduces the", "5" ]

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[ "TSE:FTS", "Report to Shareholders", "in the country. This $103.1 million acquisition is a good", "Dividends of $4.2 million were received from", "strategic fit with transmission and distribution operations", "Caribbean Utilities in 2001 compared to $3.1 million in", "in Belize and was accretive to the overall earnings of", "2000. On October 26, 2001, the Company increased its", "Fortis from the onset, contributing $6.7 million to the", "regular quarterly dividend to US$0.155 from US$0.145 ", "bottom line this year.", "per Class A Ordinary Share. On an annualized basis,", "dividends per share increased seven per cent to US$0.62. ", "Canadian Niagara Power grew its operating earnings", "3.9", "per cent to $5.3 million in 2001 compared to ", "Fortis Properties achieved record financial results ", "$5.1 million in the previous year. ", "for the fourth consecutive year. The Company contributed", "$8.7 million to the Corporation’s bottom line in 2001", "The Company signed a $15.6 million, ten-year lease", "compared to $4.1 million in 2000. ", "agreement with the City of Port Colborne in July to lease the", "electricity distribution business of Port Colborne Hydro Inc.", "Fortis Properties expanded its presence in Atlantic", "Under the terms of the lease agreement, subject to Ontario", "Canada in 2001 with its $8.3 million acquisition of a", "Energy Board (“OEB”) approval, Canadian Niagara Power", "portfolio of properties in downtown St. John’s,", "Inc., a wholly owned subsidiary of Canadian Niagara Power,", "Newfoundland and Labrador, including the 96,300 square", "will receive all revenues from Port Colborne Hydro Inc. in", "foot Class A office property known as TD Place, and with", "exchange for assuming responsibility for the operation ", "its official opening of its first hotel in Halifax, Nova", "of the business. This investment is consistent with the", "Scotia. The $15 million, 178-room hotel is the first Four", "Corporation’s strategy to grow the assets of Canadian", "Points by Sheraton property in Atlantic Canada. As the", "Niagara Power in Ontario. Canadian Niagara Power has", "largest market in Atlantic Canada, Halifax is integral to", "been aggressive and creative in overcoming the challenges", "Fortis Properties’ strategy to grow its hospitality", "presented by the restructuring of the electric utility", "operations in the region.", "business in the province and continues to be singularly", "Fortis secured US$45 million (Canadian equivalency ", "successful as an investor-owned electric utility in", "of $71.7 million) in ten-year debt, with no recourse to ", "expanding its business in Ontario.", "Fortis supports environmentally responsible initiatives such as the Government of Prince Edward IslandGLYPH<213>s five-MW wind-generated facility." ]

[ [ 27, 969, 41, 979 ] ]

[ 7 ]

[ "17" ]

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[ "MYERS INDUSTRIES OVERVIEW", "NORTH AMERICA", "MANUFACTURING SEGMENT", "We design, manufacture, and market more than 11,000 polymer products. . .", "Key Products", "Manufacturing Processes", "•", "Rubber OEM & ", "•", "Reusable Plastic Material ", "•", "Plastic & Rubber ", "•", "Compression Molding", "Replacement Parts ", "Handling Containers & Pallets", "Injection Molding", "•", "Rubber Compounding, ", "•", "Custom Rubber ", "•", "Plastic Storage & ", "•", "Rotational Molding", "Calendering & Extrusion", "Sheet Stock", "Organization Products", "•", "Vacuum Forming", "•", "Rubber-to-Metal Bonding ", "•", "Reflective Highway ", "•", "Plastic Planters & ", "•", "Winding Extrusion", "•", "Metal Forming", "Marking Tape", "Garden Accessories", "•", "Tire Repair & ", "•", "Plastic Storage Tanks ", "Representative Markets", "Retreading Products", "•", "Plastic & Metal Material ", "•", "Agriculture", "•", "Horticulture", "Handling Carts ", "Products...", "•", "Automotive", "•", "Marine / Watercraft", "•", "Chemical", "•", "Recreational Vehicle ", "Product Brands", "•", "Construction", "•", "Tire Repair / Retread", "•", "Akro-Mils", "•", "Consumer", "•", "Telecommunications", "•", "Allibert ", "•", "Food Processing ", "•Transportation ", "Équipement", "& Distribution ", "•", "Waste Collection", "•", "Ameri-Kart", "•", "General Industrial", "•", "Water Control", "•", "Buckhorn", "•", "Healthcare", "•", "Buckhorn ", "Rubber", "Processes.", "..", "•", "Dillen", "•", "Listo", "•", "Patch Rubber", "For manufacturing", "original", "equipment parts, we ", "•", "raaco", "We manufacture ", "work", "with", "customers ", "the broadest range of reusable plastic bulk", "to develop and test ", "containers for efficient shipping and handling ", "rubber", "compounds", "that", "of large or dense product loads.", "fit", "precise", "tolerances.", "2" ]

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[ 10, 10, 10, 5, 5, 5, 5, 5 ]

[ "To learn more about the legendary race horse Secretariat,", "please visit Secretariat.com.", "WASTE CONNECTIONS, INC.", "35", "IRON POINT CIRCLE", "FOLSOM, CA 95630", "TELEPHONE: (916) 608-8200", "FAX: (916) 608-8291" ]

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[ "108", "ALLIANZ GROUP", "Consolidated Income Statement by Business Segments for the Period from January 1 to December 31", "Property/Casualty", "Life/Health", "2003", "2002", "2001", "2003", "2002", "2001", "¤", "mn", "¤", "mn", "¤", "mn", "¤", "mn", "¤", "mn", "¤", "mn", "1.", "Premiums earned (net)", "37,277", "36,458", "34,428", "18,701", "18,675", "18,317", "2.", "Interest and similar income", "4,165", "4,473", "5,068", "11,106", "11,215", "10,765", "3.", "Income (net) from investments in affiliated enterprises, ", "joint ventures, and associated enterprises", "3,611", "8,494", "889", "712", "445", "525", "4.", "Other income from investments", "4,850", "3,652", "4,307", "4,234", "4,932", "3,562", "5.", "Trading income", "–1,490", "207", "1,451", "218", "244", "– 117", "6.", "Fee and commission income, and income from service activities", "522", "521", "1,425", "234", "200", "268", "7.", "Other income", "1,795", "1,751", "1,202", "1,427", "825", "772", "Total income (1. to 7.)", "50,730", "55,556", "48,770", "36,632", "36,536", "34,092", "8.", "Insurance benefits (net)", "– 26,923", "– 28,974", "– 28,200", "– 23,256", "– 21,284", "– 21,979", "9.", "Interest and similar expenses", "–1,566", "–1,564", "–1,323", "–368", "–434", "–492", "10.", "Other expenses for investments", "– 3,319", "– 3,567", "– 2,888", "– 5,933", "– 8,656", "– 5,537", "11.", "Loan loss provisions", "–10", "–7", "– 4", "– 3", "– 10", "– 4", "12.", "Acquisition costs and administrative expenses", "– 9,972", "– 10,521", "– 10,042", "– 3,713", "– 4,263", "– 4,259", "13.", "Amortization of goodwill", "–383", "–370", "–349", "–398", "–174", "–146", "14.", "Other expenses", "– 3,048", "– 2,999", "– 3,555", "– 2,204", "– 1,806", "– 1,263", "Total expenses (8. to 14.)", "– 45,221", "– 48,002", "– 46,361", "– 35,875", "– 36,627", "– 33,680", "15.", "Earnings from ordinary activities before taxes", "5,509", "7,554", "2,409", "757", "– 91", "412", "16.", "Taxes", "–619", "469", "701", "–589", "–67", "–99", "17.Minority interests in earnings", "–384", "–816", "–746", "–216", "177", "–84", "18.", "Net income", "4,506", "7,207", "2,364", "– 48", "19", "229" ]

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[ "2002", "2001", "2003", "YEAR ENDED ORATJUNE 30", "(In millions)", "SEGMENT DATA", "Net Sales:", "Skin Care", "$1,703.3", "$1,660.7", "$1,893.7", "Makeup", "1,790.5", "1,721.6", "1,909.4", "Fragrance", "1,017.3", "1,085.1", "1,059.6", "Hair Care", "215.8", "180.7", "228.9", "Other", "23.0", "27.6", "26.0", "4,749.9", "4,675.7", "5,117.6", "Restructuring", "(6.2)", "(8.0)", "—", "$4,743.7", "$4,667.7", "$5,117.6", "Depreciation and Amortization:", "Skin Care", "$", "58.3", "$", "48.6", "$", "62.2", "Makeup", "60.0", "64.1", "69.2", "Fragrance", "36.0", "32.6", "35.5", "Hair Care", "6.5", "9.6", "7.1", "Other", "1.2", "1.4", "0.8", "$", "162.0", "$", "156.3", "$", "174.8", "Operating Income:", "Skin Care", "$", "248.4", "$", "266.9", "$", "273.2", "Makeup", "183.2", "212.5", "198.0", "Fragrance", "13.4", "63.6", "32.1", "Hair Care", "13.7", "13.1", "14.8", "Other", "0.1", "2.5", "(1.0)", "458.8", "558.6", "517.1", "Reconciliation:", "Restructuring and special charges", "(117.4)", "(63.0)", "(22.0)", "Interest expense, net", "(9.8)", "(12.3)", "(8.1)", "Earnings before Income Taxes, Minority Interest and Accounting Change", "$", "331.6", "$", "483.3", "$", "487.0", "GEOGRAPHIC DATA", "Net Sales:", "The Americas", "$2,878.2", "$2,857.8", "$2,953.4", "Europe, the Middle East & Africa", "1,261.1", "1,221.8", "1,506.4", "Asia/Pacific", "610.6", "596.1", "657.8", "4,749.9", "4,675.7", "5,117.6", "Restructuring", "(6.2)", "(8.0)", "—", "$4,743.7", "$4,667.7", "$5,117.6", "Operating Income:", "The Americas", "$", "222.9", "$", "299.9", "$", "246.7", "Europe, the Middle East & Africa", "179.9", "201.8", "227.7", "Asia/Pacific", "56.0", "56.9", "42.7", "458.8", "558.6", "517.1", "Restructuring and special charges", "(117.4)", "(63.0)", "(22.0)", "$", "341.4", "$", "495.6", "$", "495.1", "Total Assets:", "The Americas", "$2,467.1", "$2,379.9", "$2,272.7", "Europe, the Middle East & Africa", "703.3", "610.3", "831.1", "Asia/Pacific", "246.1", "228.6", "246.1", "$3,416.5", "$3,218.8", "$3,349.9", "Long-Lived Assets (property, plant and equipment):", "The Americas", "$", "458.4", "$", "445.2", "$", "446.2", "Europe, the Middle East & Africa", "99.6", "70.5", "132.2", "Asia/Pacific", "22.7", "13.0", "29.3", "$", "580.7", "$", "528.7", "$", "607.7", "80", "THEEST{E LAUDER COMPANIES INC." ]

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[ 10, 10 ]

[ "Alexandria Real Estate Equities, Inc.", "2004 Annual Report " ]

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[ "CONSOLIDATED STATEMENTS OF INCOME", "(IN THOUSANDS)", "13", "Annual Report", "Fiscal Years Ended", "July 1, 2001", "July 2, 2000", "June 27, 1999", "$202,973", "$224,817", "$202,625", "NET SALES", "Cost of goods sold", "162,735", "175,459", "155,821", "2001 STRATTEC", "40,238", "49,358", "46,804", "GROSS PROFIT", "Engineering, selling and ", "administrative expenses", "19,676", "20,254", "20,191", "20,562", "29,104", "26,613", "INCOME FROM OPERATIONS", "Interest income", "628", "1,056", "1,132", "Interest expense", "-", "-", "-", "Other income (expense), net", "(514)", "189", "(239)", "INCOME BEFORE PROVISION FOR", "20,676", "30,349", "27,506", "INCOME TAXES", "Provision for income taxes", "7,650", "11,836", "10,491", "$13,026", "$18,513", "$17,015", "NET INCOME", "EARNINGS PER SHARE:", "$3.02", "$3.75", "$3.02", "BASIC", "$2.96", "$3.65", "$2.94", "DILUTED", "The accompanying notes are an integral part of these consolidated statements." ]

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[ "LETTER", "TO THE SHAREHOLDERS", "g", "G RO", "WTH", "RGA’S GROWTH IN 2003 WAS EXCEPTIONAL", "IN SEVERAL WAYS. WE CONTINUED TO EXPAND", "OUR BASE ORGANICALLY AND", "STRENGTHEN OUR PRESENCE IN ALL OF OUR CORE MARKETS.", "FOR THE SECOND CONSECUTIVE YEAR OUR RE", "VENUE", "GROWTH EXCEEDED 20 PERCENT,", "EVEN EXCLUDING THE ALLIANZ TRANSACTION.", "THAT TRANSACTION, ON TOP OF STRONG", "Y TO RGA’S SIZE AND EARNINGS POWER.", "ORGANIC GROWTH, ADDED SIGNIFICANTL", "Several opportunities remain available in the marketplace as we", "Pre-tax profits for the International Division increased by a factor of", "look forward, and while we may not expect to find one as ideal as", "four over the prior year. Some of this pickup resulted from favorable", "Allianz, we remain on the lookout for opportunities. Integrating", "currency exchange comparisons, but real same-currency results", "Allianz business involves moving data onto our systems; this is", "have been ramping up dramatically as well. We expect the", "already under way. We don’t expect to finalize this migration", "International Division to grow rapidly in the foreseeable future.", "until the end of 2004, although much of it will take place in ", "RGA’s asset-intensive business continued its rapid growth track—", "the first half of the year.", "not in the number of new contracts, but in terms of assets under", "In addition to the business growth experienced during the year, ", "management. Assets associated with this business climbed by", "we also grew the capitalization of the company considerably. This", "29", "percent to $3.1 billion in 2003. While spreads were generally", "occurred through, among other things, the capital issuance in the", "maintained on these portfolios, this business unit worked its way", "fourth quarter and also through strong natural growth in retained", "through a difficult credit cycle that affected the underlying portfolios", "earnings. GAAP equity during 2003 increased by $725 million.", "during the year. We spent a considerable amount of effort adding", "to the infrastructure and management of this business in 2003,", "The International Division, consisting of the Asia Pacific and", "as we continue to build a solid contributor to RGA’s bottom line", "Europe & South Africa operations, represents RGA’s fastest growing", "that is not correlated with our large mortality business.", "area. RGA is still a relative newcomer in these markets. In the", "past 10 years, however, we have carved out strong positions—", "Growth has characterized RGA throughout its history. In our", "even leading positions—in several of our chosen markets. We", "largest business—the U.S. mortality business—2003 was a", "have considerable room to grow in these markets given our still-low", "strong new business year, even outside of the Allianz transaction.", "base of in force premiums. RGA has established the necessary", "This reflects RGA’s vital position in a still-growing industry.", "infrastructure and support for international expansion and has", "begun to turn investments into solid returns. ", "4", "THIS IS RGA. 2003 ANNUAL REPORT" ]

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[ "bunge 2004 annual report", "notes to the consolidated ", "financial statements", "Segment operating profit, a measure of segment profitability,", "Geographic area information for net sales to external customers,", "includes an allocation of the financial costs of carrying operating", "determined based on the location of the subsidiary making the", "working capital, including foreign exchange gains and losses and", "sale, and long-lived assets follows:", "interest expense on debt financing working capital and interest", "Year Ended December 31,", "2004", "2003", "2002", "(US$ in millions)", "income earned on working capital items, which is consistent with", "how management views the results for operational purposes. ", "Net sales to external customers: ", "United States", "$", "$ 6", "6,,7", "78", "83", "3", "$ 6,129", "$ 4,482", "A reconciliation of income from continuing operations before", "Brazil", "4", "4,,9", "93", "39", "9", "3,894", "3,253", "income tax and minority interest to total consolidated segment", "Argentina", "2", "26", "62", "2", "275", "452", "operating profit follows:", "Canada", "1", "1,,1", "16", "60", "0", "1,216", "203", "Europe", "8", "8,,7", "77", "7", "7,176", "4,232", "Year Ended December 31,", "Asia", "3", "3,,2", "22", "25", "5", "3,451", "1,229", "2004", "2003", "2002", "(US$ in millions)", "Rest of world", "2", "22", "24", "31", "Income from continuing ", "Total", "operations before income ", "$", "$ 2", "25", "5,,1", "16", "68", "8", "$ 22,165", "$ 13,882", "tax and minority interest", "$", "9", "90", "04", "4", "$", "723", "$", "481", "Unallocated (income) ", "December 31,", "(1)", "expense—net", "((5", "54", "4))", "6", "40", "2004", "2003", "2002", "(US$ in millions)", "Gain on sale of ", "Long-lived assets$^{(1)}$: ", "ingredients business", "–", "(111)", "–", "United States", "$", "$ 1", "1,,0", "02", "21", "1", "$ 1,052", "$", "726", "Segment operating profit", "$", "8", "85", "50", "0", "$", "618", "$", "521", "Brazil", "1", "1,,7", "75", "59", "9", "1,323", "1,002", "(1)", "Unallocated (income) expense—net included interest income, interest expense,", "Argentina", "1", "11", "13", "3", "80", "53", "foreign exchange gains and losses and other income and expense not directly", "Europe", "4", "41", "10", "0", "302", "394", "attributable to Bunge’s operating segments.", "Rest of world", "1", "12", "20", "0", "110", "98", "(2)", "Unallocated", "–", "–", "89", "Net sales by product group to external customers were as follows:", "Total", "$", "$ 3", "3,,4", "42", "23", "3", "$ 2,867", "$ 2,362", "Year Ended December 31,", "(1)", "Long-lived assets include property, plant and equipment, net, goodwill and other", "2004", "2003", "2002", "(US$ in millions)", "intangible assets, net and investments in affiliates.", "(2)", "Unallocated purchase price relating to the Cereol acquisition (see Note 8).", "Agricultural ", "commodities products", "$", "$ 1", "17", "7,,9", "91", "11", "1", "$ 16,224", "$ 10,483", "Fertilizer products", "2", "2,,5", "58", "81", "1", "1,954", "1,384", "Edible oil products", "3", "3,,8", "87", "72", "2", "3,184", "1,279", "Wheat milling products", "4", "47", "79", "9", "500", "399", "Corn milling products", "3", "32", "25", "5", "251", "229", "Soy ingredient products", "–", "52", "108", "Total", "$", "$ 2", "25", "5,,1", "16", "68", "8", "$ 22,165", "$ 13,882", "84" ]

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[ "CONSOLIDATED BALANCE SHEETS", "December 31", "2000", "2001", "(in thousands, except share and per-share amounts)", "ASSETS", "Investments", "Fixed maturities held to maturity — at amortized cost (fair value $461,962 and $490,792)", "$", "469,591", "$", "442,198", "Fixed maturities available for sale — at fair value (amortized cost $2,552,930 and $1,087,191)", "1,120,840", "2,567,200", "Trading securities — at fair value (amortized cost $22,599)", "—", "21,659", "Equity securities — at fair value (cost $116,978 and $58,877)", "64,202", "120,320", "Short-term investments", "95,824", "210,788", "Other invested assets", "—", "7,310", "Cash", "2,424", "60,159", "Investment in affiliates", "—", "177,465", "Deferred policy acquisition costs", "70,049", "151,037", "Prepaid federal income taxes", "270,250", "326,514", "Provisional losses recoverable", "43,740", "47,229", "Other assets", "135,891", "306,747", "$2,272,811", "$4,438,626", "LIABILITIES AND STOCKHOLDERS’ EQUITY", "Unearned premiums", "$", "77,241", "$", "513,932", "Reserve for losses", "390,021", "588,643", "Long-term debt", "—", "324,076", "Deferred federal income taxes", "291,294", "432,098", "Accounts payable and accrued expenses", "112,058", "233,549", "870,614", "2,092,298", "Redeemable preferred stock, par value $.001 per share; 800,000 shares issued and outstanding — at redemption value", "40,000", "40,000", "Common stockholders’ equity", "Common stock, par value $.001 per share; 200,000,000 shares authorized; 94,170,300 and 37,945,483 shares", "issued in 2001 and 2000, respectively", "38", "94", "Treasury stock; 188,092 and 37,706 shares in 2001 and 2000, respectively", "(2,159)", "(7,874)", "Additional paid-in capital", "549,154", "1,210,088", "Retained earnings", "789,831", "1,093,580", "Accumulated other comprehensive income", "25,333", "10,440", "1,362,197", "2,306,328", "See notes to consolidated", "$2,272,811", "$4,438,626", "financial statements.", ">16" ]

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[ "Management’s Discussion and Analysis of", "Financial Condition and Results of Operations", "Foreign Currency Translation", "A portion of our costs in India are denominated in local currency and subject to exchange fluctuations, which has an impact on our results", "of operations.", "Related Party Transactions", "As described in Note 1 to the consolidated financial statements, on February 13, 2003 (the “Split-Off Date”), IMS Health distributed all of", "the Cognizant common stock that IMS Health owned in an exchange offer to IMS Health stockholders (the “Split-Off”). As a result of the", "Split-Off, IMS Health is no longer a related party as of the Split-Off Date. Accordingly, our revenues from IMS Health subsequent to the", "Split-Off Date are classified as third party revenues. We recognized related party revenues from IMS Health totaling approximately $2.6", "million and $20.4 million in 2003 and 2002, respectively. Total revenues from IMS Health during 2003, including related party revenues", "24", "prior to the Split-Off Date, were approximately $22.7 million.", "Effects of Inflation", "Our most significant costs are the salaries and related benefits for our programming staff and other professionals. Competition in India,", "the United States and Europe for professionals with advanced technical skills necessary to perform our services offered have caused wages", "to increase at a rate greater than the general rate of inflation. As with other IT service providers, we must adequately anticipate wage", "increases, particularly on our fixed-price contracts. There can be no assurance that we will be able to recover cost increases through", "increases in the prices that we charge for our services in the United States and elsewhere.", "Recent Accounting Pronouncements", "On December 16, 2004, the Financial Accounting Standards Board (FASB) issued SFAS No. 123 (revised 2004), “Share-Based Payment”", "(SFAS No. 123(R)), which is a revision of SFAS No. 123, “Accounting for Stock-Based Compensation” (SFAS No. 123). SFAS No. 123(R)", "supersedes APB Opinion No. 25, “Accounting for Stock Issued to Employees” (APB No. 25), and amends SFAS No. 95, “Statement of", "Cash Flows.” Generally, the approach in SFAS No. 123(R) is similar to the approach described in SFAS No. 123. However, SFAS No. 123(R)", "requires all share-based payments to employees, including grants of employee stock options and issuances under employee stock pur-", "chase plans, to be recognized in the income statement based on their fair values. Pro forma disclosure is no longer an alternative under", "the new standard.", "In accordance with the SEC’s amendment on April 14, 2005 of the compliance dates of SFAS No. 123(R), we must adopt SFAS No. 123(R)", "no later than January 1, 2006. Early adoption is permitted in periods in which financial statements have not yet been issued. We expect to", "adopt SFAS No. 123(R) on January 1, 2006. SFAS No. 123(R) allows for two transition methods. The basic difference between the two", "methods is that the modified-prospective transition method does not require restatement of prior periods, whereas the modified-retro-", "spective transition method will require restatement.", "As permitted by SFAS No. 123, we currently account for share-based payments to employees using APB No. 25’s intrinsic value method", "and, as such, generally recognize no compensation cost for employee stock options or stock issuances under the employee stock pur-", "chase plan. Although the full impact of our adoption of SFAS No. 123(R)’s fair value method has not yet been determined, we expect that", "it will have a significant impact on our results of operations. The disclosure under SFAS No. 123 of pro forma net income and earnings per", "share as if we had recognized compensation cost for share-based payments under SFAS No. 123 for the three years ended December 31,", "2004 is not necessarily indicative of the potential impact of recognizing compensation cost for share-based payments under SFAS No.", "123(R) in future periods. The potential impact of adopting SFAS No. 123(R) is dependent on levels of share-based payments granted, the", "specific option pricing model utilized to determine fair value and the transition methodology selected.", "COGNIZANT ANNUAL REPORT 2004" ]

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[ "DIRECTORS’ REMUNERATION REPORT", "C", "H L Davis was appointed a director in September 1999. His service contract, which is dated 19 July 1999, is subject to", "English law and provides for a notice period of twelve months. ", "A Prozes was appointed a director in August 2000. His service contract, which is dated 5 July 2000, is subject to New York", "law and provides that, in the event of termination without cause by the company, twelve months’ base salary would be", "payable.", "P Tierney was appointed a director on 8 April 2003. His service contract, which is dated 19 November 2002, is subject to", "New York law and provides that, in the event of termination without cause by the company, twelve months' base salary will", "be payable.", "The notice periods in respect of individual directors have been reviewed by the Committee. The Committee believes that as", "a general rule for future contracts, the notice period should be twelve months, and that the directors should, subject to", "practice within the country in which the director is based, be required to mitigate their damages in the event of", "termination. The Committee will, however, have regard to local market conditions so as to ensure that the terms offered", "are appropriate to recruit and retain key executives operating in a global business. ", "EXTERNAL APPOINTMENTS", "Executive directors may, subject to the approval of the Chairman and the Chief Executive Officer, serve as non-executive", "directors on the boards of up to two non-associated companies (of which only one may be to the board of a major", "company). The Committee believes that Reed Elsevier can benefit from the broader experience gained by executive", "directors in such appointments. Directors may retain remuneration arising from such non-executive directorships. During", "the year CHL Davis was appointed a non-executive director of GlaxoSmithKline plc and received a fee of £28,848 during the", "year from that company in such capacity.", "REMUNERATION OF NON-EXECUTIVE DIRECTORS", "The remuneration of the non-executive directors is determined by the boards of Reed Elsevier Group plc, Reed Elsevier", "PLC and Reed Elsevier NV, with the aid of external professional advice from Towers Perrin. Non-executive directors receive", "an annual fee and are reimbursed expenses incurred in attending meetings. They do not receive any performance related", "bonuses, pension provisions, share options or other forms of benefit.", "During 2003 the boards initiated a review of the fees paid to the non-executive directors compared against the fees paid to", "non-executive directors of other leading multinational companies operating in global markets. With effect from 1 May 2003", "the fees paid to the non-executive directors (other than the Chairman) who serve on the boards of Reed Elsevier Group plc,", "Reed Elsevier PLC and Reed Elsevier NV were reviewed for the first time since 1999 and were increased to", "£45,000/", "65,000. The respective Chairmen of the Remuneration Committee and Audit Committee also receive an", "€", "additional fee of £7,000/", "12,000 in respect of those additional duties.", "€", "The non-executive directors serve under letters of appointment, and do not have contracts of service.", "EMOLUMENTS OF THE DIRECTORS", "The emoluments of the directors of Reed Elsevier PLC and Reed Elsevier NV (including any entitlement to fees or", "emoluments from either Reed Elsevier Group plc or Elsevier Reed Finance BV) were as follows:", "(a)", "Aggregate emoluments", "£000", "000", "€", "2003", "2002", "2003", "2002", "Salaries and fees", "3,473", "3,022", "5,035", "4,805", "Benefits", "93", "91", "134", "145", "Annual performance-related bonuses", "2,254", "1,453", "3,269", "2,310", "Pension contributions", "243", "267", "352", "425", "Pension to former director", "213", "231", "307", "368", "Payment to former directors", "95", "–", "139", "–", "Total", "6,371", "5,064", "9,236", "8,053", "No compensation payments have been made for loss of office or termination in 2002 and 2003.", "Details of share options exercised by the directors over shares in Reed Elsevier PLC and Reed Elsevier NV during the year", "are shown on pages 36 and 37. The aggregate notional pre-tax gain made by the directors on the exercise of share options", "during the year was £5,201,190/", "7,541,726 (2002: £306,843/", "487,880).", "€", "€", "32", "REED ELSEVIER ANNUAL REPORTS & FINANCIAL STATEMENTS 2003" ]

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[ "Investor Relations", "Simon 2003 Annual Report", "Thank you for downloading the interactive PDF version of ", "the Simon 2003 Annual Report. This electronic version of ", "our report has many unique features that enhance both its ", "readability and usability:", "Easy Navigation", "This PDF version of the annual report is very easy ", "to navigate. Along the left side of the screen are ", "bookmarks for the major sections of the report. At any ", "time while viewing the document, you can simply click ", "on one of these section titles to be taken to that part of ", "the report. Or, if you would rather browse the report in ", "a sequential manner, simply use the left and right arrow ", "buttons (", ") in the toolbar at the top of the page to ", "go forward or backward a page at a time.", "Search Capability", "It is easy to use the PDF document’s built-in search ", "capability to locate words or phrases of interest that ", "are used throughout the annual report. To search for a word or phrase, simply click on the binoculars icon ", "(", ") at the top of the page or press the keyboard equivalent (CTRL–F for Windows or COMMAND–F for ", "Mac). A dialog box will appear where you can enter the particular word you want to locate. Click “Find” ", "and you will immediately be taken to the first instance of that word in the document. The search word will be ", "highlighted in the text. Click “Find Again” to find the next occurrence of the word. In the search dialog box, ", "you can specify whether to match only the whole word, match the case, or even to search starting from the ", "back of the document.", "Hyperlink Enabled", "One of the best features of the PDF version of the annual report is its ability to contain hyperlinks. Hyperlinks ", "allow you to jump to another part of the document or even outside the document simply by clicking on the ", "link. Hyperlinks throughout this annual report are underlined and highlighted in red like this.", "Please click on a bookmark at left or the right arrow key at the top to begin!" ]

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[ "Bombardier Inc. Annual Report 2003-04", "page 36", "SOCIAL RESPONSIBILITY", "and sustainability", "sur les maladies infantiles, all in Québec, and the", "a presence—communities large and small that", "Bombardier prides itself on its reputation as a", "St. Joseph’s Foundation of Thunder Bay, Ontario,", "employees and their families call home.", "responsible corporate citizen and a force for ", "to name just a few. ", "In Canada, the J. Armand Bombardier", "positive change in society.", "Major charities also continue to benefit from", "Foundation has long been a driving force in that", "The Corporation realizes that operating in a", "the generosity of Bombardier and Bombardier", "regard. The Foundation was created in 1965 ", "socially responsible, sustainable manner is cru-", "people. In Montréal, the Foundation contributed ", "by the family of Bombardier’s founder to carry ", "cial to the long-term well-being of the organization,", "to Father Emmett Johns’ organization, Le Bon Dieu", "on the humanitarian work he had begun. The", "its stakeholders and, of course, society at large.", "dans la rue, which supports youth homeless-", "Foundation focuses primarily on the areas of arts", "Consequently, it strives to achieve continuous", "ness and youth at risk. Furthermore, employees,", "and culture, education, health and social serv-", "improvement with regard to all three essential ", "together with the Foundation and the Bombardier", "ices. The Foundation also continues to support the", "elements of sustainability—economic, social and", "family, contributed $1.3 million to the annual", "activities of the J. Armand Bombardier Museum", "environmental. Bombardier has always been a", "Centraide Campaign. It was a similar story at", "and the Yvonne L. Bombardier Cultural Centre,", "preferred employer, providing healthy and safe", "many other Bombardier sites, as the Corporation", "both located in Valcourt, Québec, birthplace of", "workplaces and leaving the legacy of a sound ", "and its employees teamed up to lend a hand to", "the Corporation’s founder.", "natural environment to future generations.", "the less fortunate.", "During fiscal year 2004, the Foundation pro-", "Indeed, Bombardier’s philanthropic activities", "vided close to $8 million of financial support ", "Enhanced sustainability helps to secure ", "are by no means limited to the Foundation. The", "for a variety of worthwhile recipients throughout", "quality jobs and economic spin-offs", "Corporation itself, the respective business groups", "Québec and Canada. Included were funding ", "From an economic perspective, the Corporation", "and individual sites around the globe are involved", "for academic chairs and capital campaigns at", "is working harder than ever these days to make", "in a myriad of activities to support education, arts", "leading Canadian universities, financial contri-", "the very best use of the resources—people, plants,", "and culture and community involvement. In Toronto", "butions to health-care research and hospitals, and", "processes and raw materials—that go into its ", "for instance, Bombardier Aerospace made its ", "support, among others, for underprivileged fami-", "innovative products and services. Further enhance-", "suburban Downsview site available as the venue", "lies, abused women, and for social reintegration", "ment of the sustainability and competitiveness of", "for a Rolling Stones concert that was staged to", "in major urban areas.", "Bombardier’s operations contributes to producing", "help revitalize the city’s economy—particularly", "Many of the Foundation’s donations involve", "planes and trains that represent exceptional value", "tourism—in the wake of the SARS epidemic. The", "multi-year commitments of large sums, which", "for customers in terms of purchase price, oper-", "event attracted some 450,000 rock ’n’ roll buffs", "enable recipients to proceed with capital projects", "ating economics and total life-cycle costs, while", "from across North America. Other less high-profile,", "or the establishment of academic chairs that", "delivering superior returns to shareholders. The", "but equally worthwhile community endeavours", "require an assured source of funding over an", "Corporation also provides the sort of high-quality,", "included Bombardier Capital’s ongoing support", "extended period. The support to the Fondation", "rewarding jobs that enable it to attract and retain", "of a daycare centre for the children of low-income", "de l’Université du Québec à Montréal for the ", "top-rated employees—and continues to make ", "families in Jacksonville, Florida; Bombardier", "creation of a preparatory centre for studies abroad", "positive contributions to the broader economic ", "Transportation’s support of the Technology", "is one example of many such undertakings.", "and social fabric.", "Challenge in Maryborough, Australia, which", "Recent beneficiaries of the Foundation’s support", "involved teams of secondary school stu-", "in the health-care area include the Fondation", "Giving something back to communities", "dents designing, building, testing and racing ", "québécoise du cancer, the Douglas Hospital", "From a social perspective, Bombardier makes a", "CO", "Foundation, the Notre-Dame de la Merci health", "point of giving something back to the many", "-powered vehicles; children’s workshops ", "2", "centre’s foundation, the Fondation de la recherche", "towns and cities around the world where it has", "sponsored by the Bombardier Aerospace" ]

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[ 8, 8, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 8, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 7, 1, 1, 1, 1, 1, 1 ]

[ "FINANCIAL REVIEW", "Contents", "Management’s Discussion and Analysis", "18", "Consolidated Financial Statements", "28", "Report of Independent Accountants", "43", "Selected Financial Data", "44", "Selected Quarterly Financial Data", "46", "Cautionary Statement", "46", "Management’s Responsibility for Financial Statements", "Management is responsible for the accompanying financial statements and believes that the financial statements accurately and", "consistently present the financial position, results of operations, and cash flows of the company in accordance with accounting", "principles generally accepted in the United States.", "Management makes what it believes to be reasonable and prudent judgments and estimates where necessary, and has a system", "of internal accounting controls designed to provide reasonable assurance that its financial records are accurate, assets are", "safeguarded, and transactions are executed in accordance with management’s authorizations. Self-monitoring of the internal", "accounting control system, along with selective testing, is a part of our control environment. Corrective actions are taken", "whenever deficiencies in our internal accounting control system are identified.", "PricewaterhouseCoopers LLP, the company’s independent accountants, audit the company’s financial statements in accordance", "with generally accepted auditing standards. Their report on these financial statements follows the notes to consolidated", "financial statements.", "The audit committee of the company’s Board of Directors, which consists of directors who are not officers or employees of the", "company, meets with management and PricewaterhouseCoopers LLP to review and discuss the audited financial statements,", "along with other matters.", "John A. Halbrook", "John A. Halbrook", "Stephen P. Carter", "Chairman and", "Vice President,", "Chief Executive Officer", "Chief Financial Officer and Treasurer" ]

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[ 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10, 10 ]

[ "LEADERSHIP IN THE NEUROMODULATOR MARKET. Approved by the FDA", "in 1989, BOTOX (botulinum toxin type a) was first used as a therapeutic ", "agent in ophthalmology to treat strabismus and blepharospasm. Both of these", "rare eye disorders can render patients visually impaired. Since then, BOTOX has", "evolved to become the standard of care in many parts of the world for other", "neuromuscular disorders, such as cervical dystonia.", "In some countries BOTOX is rapidly becoming a prime therapy for focal ", "spasticity or indications in which patients suffer localized, constricted muscles.", "In many countries around the world, children with juvenile cerebral palsy", "are administered BOTOX therapy to relax afflicted muscles and increase", "flexibility and mobility. This enhanced movement enables youngsters to", "stretch rigid muscles, learn to walk and maximize the benefits of their ", "physical therapy. Outside the United States, BOTOX therapy in adults has", "effectively decreased post-stroke spasticity and improved functional ability ", "in patients’ daily lives.", "The expanding clinical and investigational uses of the BOTOX product are", "credited to the same properties that made it beneficial for the very first", "patients: localized treatment to temporarily relax muscles or calm down an", "overactive gland for therapeutic benefit. No other neuromodulator on the ", "market can match its clinical profile, long-term use and published efficacy data." ]

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[ "Net periodic benefit cost (credit) included in compensation and employee benefits expense consists of the following: ", "Pension Plan", "Postretirement Plan", "Year Ended December 31,", "Year Ended December 31,", "(In thousands)", "2001", "2000", "2001", "2000", "2002", "2002", "Service cost . . . . . . . . . . . . . . . . . . .", "$ 2,969 ", "$ 3,248 ", "$", "49", "$", "56", "$ 3,547", "$ 48", "Interest cost . . . . . . . . . . . . . . . . . .", "2,480", "2,431", "547", "523", "2,857", "685 ", "Expected return on plan assets . . . . .", "(7,156)", "(6,207)", "–", "–", "(7,683)", "–", "Amortization of transition obligation", "–", "–", "209", "209", "–", "210", "Amortization of prior service cost . . .", "(1,057)", "(1,057)", "–", "–", "(1,056)", "–", "Recognized actuarial gain . . . . . . . . .", "(1,810)", "(915)", "(3)", "(22)", "(387)", "38", "Net periodic benefit cost (credit) . .", "$(4,574)", "$(2,500)", "$", "802", "$", "766", "$(2,722)", "$981 ", "The discount rate and rate of increase in future compensation used to measure the benefit obligation and the expected long-term rate of", "return on plan assets were as follows: ", "Pension Plan", "Postretirement Plan", "Year Ended December 31,", "Year Ended December 31,", "2001", "2000", "2001", "2000", "2002", "2002", "Discount rate . . . . . . . . . . . . . . . . . . . . .", "7.50%", "7.50%", "7.50%", "7.50%", "6.50%", "6.50%", "Rate of increase in future compensation . .", "4.50", "5.00", "N.A.", "N.A.", "4.50 ", "N.A.", "Expected long-term rate of return ", "on plan assets . . . . . . . . . . . . . . . . . .", "10.00", "10.00", "N.A.", "N.A.", "8.50 ", "N.A.", "N.A. Not applicable.", "The Pension Plan’s assets consist primarily of listed stocks and bonds. At December 31, 2002 and 2001, the Pension Plan’s assets included", "28,400 and 246,000 shares of TCF common stock with a market value of $1.2 million and $11.8 million, respectively.", "For active participants of the Postretirement Plan, a 12% annual rate of increase in the per capita cost of covered health care benefits was", "assumed for 2003. This rate is assumed to decrease gradually to 5% by 2009 and remain at that level thereafter. ", "Assumed health care cost trend rates have an effect on the amounts reported for the Postretirement Plan. A one-percentage-point change", "in assumed health care cost trend rates would have the following effects:", "1-Percentage-", "1-Percentage-", "(In thousands)", "Point Increase", "Point Decrease", "Effect on total of service and interest cost components . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "$ 16", "$ 15", "Effect on postretirement benefits obligations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .", "556", "503", "Employee Stock Purchase Plan", "invested in TCF stock. Employees age 50 and over may invest all or", "The TCF Employees Stock", "a portion of their account balance in various mutual funds. The", "Purchase Plan generally allows participants to make contributions by", "Company’s matching contributions are expensed when made. At", "salary deduction of up to 50% of their salary on a tax-deferred basis.", "December 31, 2002, the assets in the plan totaled $183.4 million", "TCF matches the contributions of all employees at the rate of 50", "and included $179.3 million invested in TCF common stock.", "cents per dollar, with a maximum employer contribution of 3% of", "Additionally, as of December 31, 2002, $69.7 million of plan assets", "the employee’s salary. Employee contributions vest immediately while", "were eligible for diversification under plan provisions. TCF’s con-", "the Company’s matching contributions are subject to a graduated", "tributions to the plan were $3.6 million, $3 million and $2.7 mil-", "vesting schedule based on an employee’s years of vesting service over", "lion in 2002, 2001 and 2000, respectively.", "five years. Employee contributions and matching contributions are", "page", "67" ]

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[ 10, 10, 10, 10, 10 ]

[ "The average Canadian household will make ", "96.5", "96.5", "trips to the grocery store this year, spending", "almost $4,000 in total." ]

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[ "Management’s Discussion and Analysis of Financial Condition ", "and Results of Operations", "(Continued)", "event that specified triggering events or conditions occur. The initial measurement of this liability is the fair value of the", "guarantee at its inception. The recognition of the liability is required even if it is not probable that payments will be", "required under the guarantee or if the guarantee was issued with a premium payment or as part of a transaction with", "multiple elements. FIN 45 also requires additional disclosures related to guarantees. The recognition measurement provisions", "of FIN 45 are effective for all guarantees entered into or modified after December 31, 2002. FIN 45 also requires additional", "disclosures related to guarantees in interim and annual financial statements. Accordingly, the Company adopted the pro-", "visions of FIN 45, effective January 1, 2003. The implementation of FIN 45 did not have an impact on the earnings or the", "financial position of the Company.", "LIQUIDITY AND CAPITAL RESOURCES", "The Statements of Cash Flows reflect the following ", "(in thousands)", ":", "Year Ended December 31,", "2003", "2002", "2001", "Net cash flows provided by operating activities", "$ 31,541", "$ 12,200", "$ 28,166", "Net cash flows used for investing activities", "$(12,392)", "$(12,013)", "$(17,141)", "Net cash flows used for financing activities", "$(10,684)", "$ (1,062)", "$(10,060)", "Cash Flows from Operations", "Net cash flows from operating activities increased approximately $19.3 million in 2003, as a result of a $3.6 million", "increase in income from continuing operations, as well as:", "a)", "A smaller increase in accounts receivable for 2003. The increase in accounts receivable was lower than 2002, even", "though sales were higher in 2003, due to a reduction in the days sales outstanding in receivables to approximately 19 days.", "This was due to the timing of collections.", "b)", "A decline in inventories this year, excluding the effect of business acquisitions, compared to an increase in inventories", "in the prior year. The decline in the current year resulted from a concerted effort by management to reduce inventories", "at all locations, as well as strategic buying of certain raw materials at December 31, 2002. The inventory decrease is", "substantially all in raw materials, as there was only approximately a two week supply of finished goods on hand at", "December 31, 2003 and 2002. The impact of the rise in steel prices on inventory and the Company’s strategic buying of", "steel before the steel price increases took effect, did not impact inventory until 2004.", "c)", "A decline in prepaid expenses and other current assets compared to an increase in the prior year. The decline in 2003", "was primarily due to the utilization of prepaid Federal income taxes and an escrow deposit, both of which were uses", "of cash in 2002.", "d)", "The above items were partially offset by a smaller increase in accounts payable, accrued expenses and other current", "liabilities. This change is primarily from the timing of payments and purchases at the end of 2003. Trade payables are", "generally paid within the discount period.", "Net cash flows from operating activities declined approximately $16.0 million in 2002, despite the $6.6 million", "increase in income before the cumulative effect of change in accounting principle for goodwill. The lower net cash flows", "from operating activities in the current year is primarily attributable to:", "a)", "An increase in accounts receivable due to the increase in sales over the prior year. Days sales outstanding of receiv-", "ables were the same at December 2002 as they were at December 2001.", "b)", "An increase in inventories this year compared to a decline in inventories in the prior year. Inventories at December 31,", "2002 are up 46 percent from December 31, 2001 compared to a 26 percent increase in sales in the fourth quarter. The", "difference is partially attributable to strategic buying of certain raw materials. The inventory increase is substantially", "all in raw materials; there is only approximately a two week supply of finished goods on hand at December 31, 2002,", "and December 31, 2001.", "c)", "The above items were partially offset by the increase in accounts payable, accrued expenses and other current liabilities", "resulting primarily from the timing of payment due dates and purchases. Trade payables increased in proportion to", "the increase in inventories. Accruals for incentive compensation based upon profits (affecting in excess of 150 employees)", "were $1.8 million higher than at December 2001.", "14" ]

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[ "ODYSSEY RE HOLDINGS CORP.", "NOTES TO CONSOLIDATED FINANCIAL STATEMENTS, Continued", "Net periodic cost included the following components (in thousands):", "2004", "2003", "2002", "Service cost", "$1,061", "$543", "$370", "Interest cost", "447", "374", "325", "Curtailment credit", "(582)", "—", "—", "Net amortization and deferral", "(63)", "28", "(17)", "Net cost", "$", "863", "$945", "$ 678", "The accumulated benefit obligation for the postretirement", "benefit plan was $8.5 million and $8.3 million as of December 31, 2004", "and 2003, respectively.", "The postretirement plan’s expected benefit payments ar", "shown below (in thousands):", "Year", "Amount", "2005", "$", "237", "2006", "257", "2007", "303", "2008", "356", "2009", "381", "2010-2014", "3,048", "The plan change of $1.3 million and the unrecognized", "prior service cost of $0.7 million as of December 31, 2004 result from a", "change in eligibility for postretirement medical benefits, which pr", "eviously had no age limitation, to age 45 and 10 years of service", "and the adoption of the Medicare Reform Act. The curtailment cr", "edit of $0.6 million is the result of the eligibility change.", "The annual assumed rate of increase in the per capita cost of cover", "ed benefits (i.e., health care cost trend rate) is assumed to be", "11.5% in 2004 and decreasing to 5% in 2013 and remaining", "constant thereafter. The health care cost trend rate assumption has a", "significant effect on the amounts reported. For example, increasing", "the assumed health care cost trend rates by one percentage", "point in each year would increase the accumulated postretirement", "benefit obligation by $1.7 million and the service and interest", "cost components of net periodic postretirement", "benefit costs by $0.4 million for 2004. Decreasing the assumed health care cost", "trend rates by one percentage point in each year would decrease", "the accumulated postretirement benefit obligation, and the", "service and interest cost components of net periodic postretirement", "benefit cost for 2004 by $1.4 million and $0.3 million,", "respectively.", "10.", "STOCK BASED COMPENSATION PLANS", "In April 2002, the Company’s stockholders approved", "the Odyssey Re Holdings Corp. 2002 Stock Incentive Plan (the “2002 Plan”).", "An aggregate of 1.5 million shares of the Company’", "common stock may be granted under the 2002 Plan. The 2002 Plan provides", "for the grant of non-qualified stock options to officers,", "key employees and directors who are employed by, or provide services to,", "the", "Company or its subsidiaries. Pursuant to the 2002 Plan, 25% of the options granted become exercisable on each annual", "anniversary", "of the grant in each of the four years following the grant and expire 10 years from the date of grant, and shall be", "exercisable", "at the grant price. As of December 31, 2004 and 2003, a total of 793,250 stock options have been granted under the", "2002 Plan at a weighted average price of $18.68 per share.", "No options were granted in 2004 pursuant to the 2002 Plan. As of", "December 31, 2004, there were 706,750 remaining", "stock options available to be granted.", "71" ]

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[ "The following table and discussion present details related to", "write-offs and $1 million of other cash charges associated with", "the 2002 third-quarter charge:", "its international joint ventures.", "Asset", "Severance", "(c)", "The Forest Products business charge of $12 million resulted", "Write-downs", "and Other", "Total", "In millions", "from management’s decision to exit the development of the", "Specialty Businesses ", "wood plastic composite business and shut down the Whelen", "and Other", "(a)", "$-", "$", "3", "$", "3", "Springs, Arkansas lumber mill. Charges associated with the", "Carter Holt Harvey", "(b)", "5", "7", "12", "wood plastic composite business consisted of $10 million of", "Other", "(c)", "4", "-", "4", "asset write-downs to salvage value and $1 million of other exit", "$9$10", "$19", "costs. The Whelen Springs lumber mill was closed due to the", "impact of the strong dollar on export sales. The Whelen Springs", "(a)", "The Specialty Businesses charge of $3 million relates to the", "shut-down charge consisted of $1 million of exit costs.", "severance costs for 43 employees in Arizona Chemical’s U.S.", "operations to reduce costs.", "(d)", "The Distribution business (xpedx) implemented a plan to", "consolidate duplicative facilities and reduce ongoing operating", "(b)", "The CHH severance and other charge of $7 million relates", "logistics and selling and administrative expenses. Charges", "primarily to severance for job reductions at the Kinleith, New", "associated with this plan included $1 million of asset write-downs", "Zealand mill (102 employees) and at packaging operations in", "to salvage value, $2 million of severance costs covering the", "Australia (45 employees). The Kinleith reductions are part of a", "termination of 68 employees, and other cash costs of $3 million.", "continuing program to improve the cost structure at the mill.", "In addition, CHH recorded a $5 million loss related to a write-", "(e)", "The Specialty Businesses approved a plan to shut down the", "down of non-refundable tax credits to their estimated", "Valkeakoski, Finland chemicals plant, as well as a management", "realizable value.", "plan to implement headcount reduction programs within the", "Chemicals group. Charges associated with the Valkeakoski", "(c)", "This $4 million charge relates to the write-down to zero of", "shutdown included $8 million of other cash costs not including", "International Paper’s investment in Forest Express, a joint", "severance. The Valkeakoski plant had revenues of $20 million,", "venture engaged in electronic commerce transaction processing", "$19 million and $19 million in 2002, 2001 and 2000,", "for the Forest Products Industry.", "respectively. This plant had operating earnings of $1 million in", "both 2002 and 2001, and $2 million in 2000. Charges", "The following table and discussion present details related to", "associated with the headcount reduction programs consisted of", "the 2002 second-quarter charge:", "$3 million of severance covering 11 employees to be terminated", "and $1 million of other related costs. The Specialty Businesses", "Asset", "Severance", "also implemented a plan to restructure manufacturing", "Write-downs", "and Other", "Total", "In millions", "operations at the Polyrey facility in France. The plan includes", "Printing", "Papers", "(a)", "$39$18", "$57", "consolidation of decorative high-pressure laminate production", "Industrial and ", "in order to optimize efficiencies and provide higher levels of", "Consumer Packaging", "(b)", "3", "-", "3", "quality and service. Charges associated with the restructuring", "Distribution", "(c)", "-", "7", "7", "included $2 million of severance costs covering the termination", "Administrative Support ", "of 46 employees and $1 million of other exit costs. Other", "Groups", "(d)", "-", "12", "12", "charges included a $1 million reserve for facility environmental", "$42", "$37", "$79", "costs at the Natchez, Mississippi facility. ", "(a)", "The Printing Papers business approved a plan to permanently", "(f)", "CHH recorded a charge of $11 million for severance costs", "shut down the Hudson River, New York mill by December 31,", "associated with a reduction-in-force at its Kinleith, New Zealand", "2002, as many of the specialty products produced at the mill", "facility as part of a continuing program to improve the cost", "were not competitive in current markets. The assets of the mill", "structure at the mill. Redundancies associated with the charge", "are currently being marketed for sale. Impairment charges", "included 260 employees.", "associated with the shutdown included $39 million to write the", "assets down to their estimated realizable value of approximately", "$5 million, $9 million of severance costs covering the", "termination of 294 employees, and other cash costs of $7", "million. The Hudson River mill had revenues of $61 million,", "$80 million and $139 million in 2002, 2001 and 2000,", "respectively, and operating losses of $15 million in 2002 and", "$22 million in 2001, and operating earnings of $9 million in", "2000. The Printing Papers business also recorded an additional", "53" ]

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[ "DOLLAR TREE", "MEANS VALUE", "Almost 20 years ago, Dollar Tree was founded on the", "a brand-name toothbrush priced at $1 elsewhere?", "simple premise that every item would sell for $1. It’s", "Along with the usual brands, we even sell battery-", "a novel idea to build a business around a pricepoint,", "operated toothbrushes, and still just for $1.", "rather than around a specific category of merchan-", "In addition to price and quality, “value” also refers", "dise. And it’s been a tremendous success – more than", "to dependability. So we offer brands customers know", "our founders ever would have imagined.", "and trust. Additionally, we have begun highlighting", "But it’s not", "our “Freshness", "enough to simply", "Guaranteed” pro-", "sell stuff for $1.", "gram to our cus-", "That “stuff ” has got", "tomers. We want", "to be a value. In", "customers to know", "other words, we’ve", "they can depend on", "got to offer cus-", "food and beverage", "tomers “stuff ” that’s", "products that", "worth more than", "they purchase", "$1. So to us, value is", "at our stores", "a combination of a", "to be fresh,", "surprisingly low", "100% of the", "price AND quality.", "time. And,", "A visit to any of our", "through the", "2,700+ stores will", "use of our new", "tell you that we’re", "POS systems,", "fulfilling that mission. Pet supplies, brooms, candy", "customers also can depend on us to be in-stock.", "and snacks are just a smattering of the unbelievable", "So we’re offering quality goods at a great price, on", "values you’ll find at Dollar Tree, even everyday ", "brands customers trust, with guaranteed freshness.", "household items. When was the last time you saw ", "That’s “The Art of the Possible” at Dollar Tree!", "8", "DOLLAR TREE STORES, INC. • 2004 ANNUAL REPORT" ]

[]

[]

[]

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[ "MANAGEMENT’S DISCUSSION & ANALYSIS OF FINANCIAL", "CONDITION AND RESULTS OF OPERATIONS", "DEPOSITS AND BORROWINGS", "The table below reflects the level of deposits and borrowed funds", "(repurchase agreements, Federal Home Loan Bank advances, trust preferred", "securities, subordinated debentures and other borrowed funds) based on year-end", "levels at December 31, 2003 and 2002.", "(Dollars in Millions)", "December 31,", "2003", "2002", "----------", "------------", "Deposits ........................................", "$", "2,362.1", "$", "2,036.7", "Securities sold under repurchase agreements......", "71.1", "89.6", "Federal Home Loan Bank advances .................", "212.8", "184.7", "Trust preferred securities.......................", "57.2", "53.2", "Subordinated debentures, revolving credit lines", "and term loans................................", "40.6", "19.3", "Other borrowed funds ............................", "1.5", "10.2", "The", "Corporation", "has", "continued", "to leverage its capital position with", "Federal Home Loan Bank advances,", "as well as,", "repurchase", "agreements", "which", "are pledged against acquired investment securities as collateral for the", "borrowings. Trust preferred securities are classified as Tier I Capital and the", "Subordinated Debenture of", "$25,000,000 is classified as Tier II Capital when", "computing risk based capital ratios due to the long-term nature of the", "investment. The interest rate risk is included as part of the Corporation's", "interest simulation discussed in", "Management's", "Discussion", "and Analysis", "under", "the headings", "\"LIQUIDITY\"", "and \"INTEREST SENSITIVITY AND DISCLOSURES ABOUT", "MARKET RISK\".", "NET INTEREST INCOME", "Net interest income is the primary source of the Corporation's earnings.", "It is a function of net interest margin and the level of average", "earning", "assets.", "The table below reflects the Corporation's asset yields, interest", "expense, and net interest income as a percent of average earning assets for the", "three-year period ending in 2003.", "In 2003, asset yields decreased 85 basis points (FTE) and interest cost", "decreased 47 basis points, resulting in a 38 basis point (FTE) decrease in net", "interest income.", "(Dollars in Thousands)", "December 31,", "2003", "2002", "2001", "----", "----", "----", "Net Interest Income...................................", "$", "103,142", "$", "92,923", "$", "64,361", "FTE Adjustment........................................", "$", "3,757", "$", "3,676", "$", "2,445", "Net Interest Income", "On a Fully Taxable Equivalent Basis.................", "$", "106,899", "$", "96,599", "$", "66,806", "Average Earning Assets................................", "$2,663,853", "$2,198,943", "$1,576,334", "Interest Income (FTE) as a Percent", "of Average Earning Assets...........................", "5.98%", "6.83%", "7.80%", "Interest Expense as a Percent", "of Average Earning Assets...........................", "1.97%", "2.44%", "3.56%", "Net Interest Income (FTE) as a Percent", "of Average Earning Assets...........................", "4.01%", "4.39%", "4.24%", "Average earning assets include the average", "balance of securities", "classified as", "available for sale,", "computed based on the average of the", "historical", "amortized", "cost", "balances", "without the effects of the fair value", "adjustment.", "16" ]

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[ "Bombardier Inc. Annual Report 2003-04", "page 60", "passenger rolling stock to 44% for calendar", "European countries. During the year, cross-", "As part of the Metronet consortia, Bombardier", "year 2003, compared to 42% last year. In the", "border freight lines have been opened to", "Transportation was awarded contracts for the", "Asia-Pacific market, Bombardier Transportation", "international freight companies. The passing of", "modernization of the London Underground", "maintained its position with a market share of", "the second rail legislative package by the", "BCV (Bakerloo, Victoria, Central and Waterloo", "more than 20%. The key industry drivers in", "European Commission is a further step in liberal-", "and City Lines) and SSL (Subsurface Lines).", "the rolling stock market are vehicle replace-", "izing European rail by harmonizing safety rules,", "The turnkey contracts include project man-", "ment, infrastructure investment, the public", "interoperability for cross-border traffic and setting", "agement and the supply of 1,738 metro cars", "policy environment, liberalization and region-", "up a European Railways Agency. Due to public", "and new signalling systems for the Victoria Line", "alization in Europe, and new entrants, such as", "budget constraints, several large projects have", "and Subsurface Lines, along with the main-", "private operators. Bombardier Transportation", "been postponed in Western Europe and, further-", "tenance of the rolling stock. In the early stages", "expects that the major operators in Europe", "more, state-owned operators concentrated on", "of the project, Bombardier Transportation will", "and North America will continue with fleet", "replacement of their fleets rather than on growth.", "begin resignalling work, refurbish the existing", "replacement programs in fiscal year 2005.", "While the North American passenger ", "District Line rolling stock and build two pre-", "The orders for passenger rolling stock", "rail market reached a low level in 2003, it is ex-", "production trains for the Victoria Line. The total", "awarded in calendar year 2003 in the world-", "pected to recover to normal levels in the next", "value of the contracts is $7.9 billion over", "wide rail industry were valued at ", "10.2", "billion", "year. Demand for rapid transit vehicles will drive", "15", "years. The new subway car fleets will be", "€", "($16.1 billion), down from ", "13.6", "billion", "the market in North America, as transit ", "built between 2008 and 2015. ", "€", "($20.0 billion) the previous calendar year. This", "agencies embark on major rehabilitation and", "A.", "Rolling stock", "decrease is mainly related to a reduction in", "replacement programs for their aging fleets. ", "orders in the North American market, from", "Asia is a promising market for rail equipment", "Rolling stock includes commuter and regional", "$3.0 billion US ($4.7 billion) in calendar year", "and services. A growing population, prosperity", "trains, intercity and high-speed trains,", "2002 to $0.6 billion US ($0.8 billion) in calendar", "and urbanization are expected to result in", "metro/rapid transit, light rail vehicles, locomo-", "year 2003. The decrease in North America is", "investments in transportation infrastructures", "tives, freight cars and propulsion and controls", "mainly related to project delays and the shift in", "to improve quality of life and make Asian cities", "for the vehicles. ", "funding priorities in the United States.", "accessible. Asian intercity rail programs, ", "Orders", "Representing over 80% of total orders,", "such as those in China and India, will further", "Europe remained the most important pas-", "contribute to market growth.", "During fiscal year 2004, Bombardier", "senger rolling stock market, with total orders", "Bombardier Transportation expects the", "Transportation received orders for a total of", "increasing from ", "7.", "3 billion ($10.8 billion) to", "worldwide rolling stock market to grow by 2%", "$7.3 billion in rolling stock, compared to ", "€", "8.5", "billion ($13.4 billion). The liberalized U.K.", "to 4% annually over the next five years.", "$7.9 billion the previous fiscal year.", "€", "rail market contributed significantly to this", "Electrical propulsion, train control and ", "Market and prospects ", "growth. Asia-Pacific maintained a relatively", "management systems are core capabilities for", "stable market share of approximately 10% ", "Bombardier Transportation. As the market", "Bombardier Transportation determines its", "of the total orders. Orders in North America", "leader in this area, Bombardier Transportation", "annual market share as an average based on", "accounted for 5% of total orders in calendar", "is able to offer its customers competitive solu-", "the total value of orders in the industry during", "year 2003, down from 28% the previous year.", "tions that benefit from economies of scale and", "the past three years.", "With a legislative agenda aimed at liberalizing", "proven reliable products.", "In the highly-competitive European market,", "the European rail industry, the European Union’s", "Growth in electrical propulsion, train control", "Bombardier Transportation has improved its", "goals are to open access to freight and pas-", "and management follows the trend in the ", "leading position with a 42% market share for", "senger traffic for operators and to separate rail", "new-build rolling stock markets. Bombardier", "calendar year 2003, compared to 38% last", "infrastructure and rail operations ownership and", "Transportation will also further explore already", "year, mainly due to the Metronet orders. In", "management, supporting market growth. ", "identified growth markets such as China,", "North America, Bombardier Transportation", "This process is already underway in several", "Russia and India. ", "slightly increased its market share for" ]

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[ 7, 7, 7, 7, 11, 10, 10 ]

[ "2", "0", "0", "2", "Perspective{s}", "Nabors Industries Ltd.", "Annual Report " ]

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[ "TOSHIBA CORPORATION", "MANAGEMENT’S DISCUSSION AND ANALYSIS", "31", "GEOGRAPHIC SEGMENTS", "Thousands of", "Millions of yen", "U.S. dollars", "Year ended March 31", "2003", "2002", "2001", "2003", "Net sales:", "Japan", "Unaffiliated customers", "¥", "3,773,309", "¥ 3,716,437", "¥ 4,168,795 ", "$ 31,444,242", "Intersegment", "1,169,802", "999,914", "1,004,448", "9,748,350", "Total", "4,943,111", "4,716,351", "5,173,243", "41,192,592", "North America", "Unaffiliated customers", "784,683", "728,595", "738,294 ", "6,539,025", "Intersegment", "20,052", "86,334", "77,994", "167,100", "Total", "804,735", "814,929", "816,288", "6,706,125", "Asia", "Unaffiliated customers", "563,639", "470,518", "508,888 ", "4,696,992", "Intersegment", "521,620", "429,904", "299,224", "4,346,833", "Total", "1,085,259", "900,422", "808,112", "9,043,825", "Europe", "Unaffiliated customers", "477,870", "426,089", "484,721 ", "3,982,250", "Intersegment", "13,957", "13,026", "14,269 ", "116,308", "Total", "491,827", "439,115", "498,990", "4,098,558", "Other", "Unaffiliated customers", "56,277", "52,394", "50,659 ", "468,975", "Intersegment", "1,533", "5,220", "2,819", "12,775", "Total", "57,810", "57,614", "53,478", "481,750", "Eliminations", "(1,726,964)", "(1,534,398)", "(1,398,754)", "(14,391,367)", "Consolidated", "¥", "5,655,778", "¥ 5,394,033 ", "¥ 5,951,357 ", "$ 47,131,483", "Operating income (loss):", "Japan", "¥", "89,780", "¥", "(166,231)", "¥", "193,258", "$", "748,167", "North America", "11,722", "19,189", "6,642", "97,683", "Asia", "24,540", "22,844", "31,246", "204,500", "Europe", "(3,197)", "(128)", "5,493 ", "(26,642)", "Other", "(286)", "14", "655", "(2,383)", "Eliminations", "(7,017)", "10,737", "(5,161)", "(58,475)", "Consolidated", "¥", "115,542", "¥", "(113,575)", "¥", "232,133 ", "$", "962,850", "Indentifiable assets:", "Japan", "¥", "4,403,984", "¥ 4,430,716", "¥ 4,783,739", "$ 36,699,867", "North America", "218,782", "360,366", "413,777", "1,823,183", "Asia", "416,726", "434,112", "323,183", "3,472,717", "Europe", "202,575", "186,900", "205,960", "1,688,125", "Other", "30,057", "36,061", "34,276", "250,475", "Corporate and Eliminations", "(33,188)", "(40,373)", "(36,371)", "(276,567)", "Consolidated", "¥", "5,238,936", "¥ 5,407,782", "¥ 5,724,564", "$ 43,657,800", "Note: Geographic segment information for the fiscal year ended March 31, 2001", "has been reclassified to conform with the fiscal year ended March 31, 2002." ]

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[ "REED ELSEVIER PLC", "Consolidated profit and loss account", "For the year ended 31 December 2003", "For the year ended 31 December 2003", "2003", "2002", "Note", "£m", "£m", "Turnover", "Including share of turnover of joint ventures", "2,605", "2,656", "Less: share of turnover of joint ventures", "(2,605)", "(2,656)", "–", "–", "Administrative expenses", "(1)", "(1)", "Operating loss (before joint ventures)", "3", "(1)", "(1)", "Share of operating profit of joint ventures", "Before amortisation and exceptional items", "1", "616", "593", "Amortisation of goodwill and intangible assets", "(235)", "(279)", "Exceptional items", "(38)", "(52)", "343", "262", "Operating profit including joint ventures", "342", "261", "Share of non operating exceptional items of joint ventures", "14", "(6)", "14", "(6)", "Net interest income/(expense)", "Group", "6", "3", "3", "Share of net interest of joint ventures", "(92)", "(112)", "(89)", "(109)", "Profit on ordinary activities before taxation", "267", "146", "Tax on profit on ordinary activities", "7", "(98)", "(57)", "UK corporation tax", "(1)", "(1)", "Share of tax of joint ventures", "(97)", "(56)", "Profit attributable to ordinary shareholders", "169", "89", "Equity dividends paid and proposed", "8", "(152)", "(143)", "Retained profit/(loss) taken to reserves", "17", "(54)", "Adjusted figures", "Adjusted figures", "2003", "2002", "Note", "£m", "£m", "Adjusted profit before tax", "9", "534", "490", "Adjusted profit attributable to ordinary shareholders", "9", "394", "361", "Adjusted figures, which exclude the amortisation of goodwill and intangible assets, exceptional items and related tax effects,", "are presented as additional performance measures, and are reconciled to the reported figures in note 9 to the financial", "statements.", "Earnings per ordinary share (“EPS”)", "Earnings per ordinary share (“EPS”)", "2003", "2002", "Note", "pence", "pence", "Basic EPS", "10", "13.4", "7.0", "Diluted EPS", "10", "13.4", "7.0", "EPS based on 52.9% economic interest in the Reed Elsevier combined businesses", "10", "14.0", "7.6", "Adjusted EPS", "10", "31.2", "28.5", "The above amounts derive from continuing activities.", "REED ELSEVIER ANNUAL REPORTS & FINANCIAL STATEMENTS 2003", "77" ]

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[ "56", "VORNADO REALTY TRUST", "NOTES TO CONSOLIDATED FINANCIAL STA", "TEMENTS", "with a fair value of $25,780,000 at December 31, 2003, which", "is included in Other Assets on the Company’s consolidated", "balance sheet. Accounting for these swaps also requires", "the Company to recognize changes in the fair value of the debt", "during each reporting", "period. At December 31, 2003, the fair value adjustment of $25,780,000, based on the fair value of the", "swaps, is included in the balance of the Senior Unsecured Notes.", "Because the hedging relationship qualifies for the “short-cut”", "method, no hedge ineffectiveness on these fair value hedges was r", "ecognized during 2003 and 2002.", "REVENUE RECOGNITION: The Company has the following revenue", "sources and revenue recognition policies:", "Base Rents—income arising from tenant leases. These rents are r", "ecognized over the non-cancelable term of the related leases", "on a straight-line basis which includes the effects of rent steps and r", "ent abatements under the leases.", "Percentage Rents—income arising from retail tenant leases which ar", "e contingent upon the sales of the tenant exceeding a", "defined threshold. These rents are recognized in accordance", "with SAB 104, which states that this income is to be recognized", "only after the contingency has been removed (i.e., sales thresholds", "have been achieved).", "Hotel Revenues—income arising from", "the operation of the Hotel Pennsylvania which consists of rooms revenue, food and", "beverage revenue, and banquet revenue. Income is recognized when r", "ooms are occupied. Food and beverage and banquet", "revenue are recognized when the services have been rendered.", "Trade Show Revenues—income arising from", "the operation of trade shows, including rentals of booths. This revenue is", "recognized in accordance with the booth rental", "contracts when the trade shows have occurred.", "Expense Reimbursements—revenue arising from tenant leases which pr", "ovide for the recovery of all or a portion of the", "operating expenses and real estate taxes of the respective property", ". This revenue is accrued in the same periods as the", "expenses are incurred. Contingent rents are not recognized until r", "ealized.", "INCOME TAXES: The", "Company operates in a manner intended to enable it to continue to qualify as a REIT under Sections ", "856-860 of the Internal", "Revenue Code of 1986, as amended. Under those sections, a REIT which distributes at least 90% ", "of its REIT taxable income as a dividend to its shareholders", "each year and which meets certain other conditions will not be", "taxed", "on that portion of its taxable income which is distributed to its shareholders. The Company will distribute to its ", "shareholders 100% of its taxable income and therefore, no provision", "for Federal income taxes is required. Dividend distributions", "for the year ended December 31, 2003, wer", "characterized for Federal income tax purposes as 94.4% ordinary income and", "5.6%", "long-term capital gain income. Dividend distributions for the year ended December 31, 2002 and 2001 were characterized", "as ordinary income.", "The Company owns stock in corporations that have elected to be tr", "eated for Federal income tax purposes, as taxable REIT", "subsidiaries", "(“TRS”). The value of the combined TRS stock cannot and does not exceed 20% of the value of the Company’s", "total assets. A TRS is taxable on its net income at regular", "corporate tax rates. The total income tax paid for the 2003 and", "2002 tax years was $2,486,000 and $1,430,000.", "The following table reconciles", "net income to estimated taxable income for the year ended December 31, 2003.", "2003", "(AMOUNTS IN THOUSANDS)", "Net income applicable to common shares", "$439,888", "Depreciation and amortization", "59,015", "Straight-line rent adjustments", "(35,856)", "Book to tax differences in gain recognition on sale of real estate", "(88,155)", "Book to tax differences in earnings of partially-owned entities", "41,198", "Stock option expense", "(78,125)", "Amortization of acquired below market leases,", "net of above market leases", "(7,733)", "Other", "(1,727)", "Estimated taxable income", "$328,505" ]

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[ "Research and Development", "Of the domestic employees, approximately 34,000 are hourly,", "with unions representing approximately 20,000. Approximately", "The Company operates research and development centers at", "16,000 of the union employees are represented by the Paper,", "Loveland, Ohio; Sterling Forest, New York; Kaukauna,", "Allied-Industrial, Chemical and Energy International Union", "Wisconsin; Savannah, Georgia; Almere, the Netherlands; a", "(PACE) under individual location contracts.", "regional center for applied forest research in Bainbridge,", "Georgia; a forest biotechnology center in Rotorua, New", "During 2004, new labor agreements were ratified at four", "Zealand; and several product laboratories. Additionally, the", "paper mills with one paper mill contract carrying over to", "Company has approximately a 1/3 interest in ArborGen, LLC,", "early 2005. During 2005, labor agreements are scheduled to", "a joint venture with certain other forest products and", "be negotiated at four paper mill operations including", "biotechnology companies formed for the purpose of", "Kaukauna, Wisconsin; Ticonderoga, New York; Savannah,", "developing and commercializing improvements to increase", "Georgia and Roanoke Rapids, North Carolina.", "growth rates and improve wood and pulp quality. We direct", "research and development activities to short-term, long-term", "During 2004, 13 labor agreements were settled in non-paper", "and technical assistance needs of customers and operating", "mill operations. Settlements included paper converting, wood", "divisions; to process, equipment and product innovations;", "products, chemical, distribution and woodlands operations.", "and to improve profits through tree generation and", "During 2005, new labor agreements are scheduled to be", "propagation research. Activities include studies on improved", "negotiated in 21 non-paper mill operations.", "forest species and management; innovation and improvement", "of pulping, bleaching, chemical recovery, papermaking and", "In January 2005, the Company’s principal union, PACE,", "coating processes; packaging design and materials", "announced that it was merging with the United Steelworkers", "development; reduction of environmental discharges; re-use", "Union. The merger is subject to a vote of the memberships of", "of raw materials in manufacturing processes; recycling of", "both unions in April 2005. The name of the resulting union will", "consumer and packaging paper products; energy", "be United Steel, Paper and Forestry, Rubber, Manufacturing,", "conservation; applications of computer controls to", "Energy, Allied Industrial and Service Workers International Union.", "manufacturing operations; innovations and improvement of", "products; and development of various new products. Our", "Executive Officers of the Registrant", "development efforts specifically address product safety as well", "as the minimization of solid waste. The cost to the Company", "John V. Faraci, 55, chairman and chief executive officer since", "of its research and development operations in 2004 was $68", "November 2003. Prior to this, he was president since February", "million; $73 million in 2003; and $77 million in 2002.", "2003, and executive vice president and chief financial officer", "from 2000 to 2003. From 1999 to 2000, he was senior vice", "We own numerous patents, copyrights, trademarks, and trade", "president-finance and chief financial officer. From 1995 until", "secrets relating to our products and to the processes for their", "1999, he was chief executive officer and managing director of", "production. We also license intellectual property rights to and", "Carter Holt Harvey Limited of New Zealand.", "from others where necessary. Many of the manufacturing", "processes are among our trade secrets. Some of our products", "Robert M. Amen, 55, president since November 2003.", "are covered by U.S. and non-U.S. patents and are sold under", "Previously, he served as executive vice president responsible", "well known trademarks. We derive competitive advantage by", "for the Company’s paper business, technology and corporate", "protecting our trade secrets, patents, trademarks and other", "marketing from 2000 through 2003. He also served as senior", "intellectual property rights, and by using them as required to", "vice president-president of International Paper-Europe from", "support our businesses.", "1996 to 2000.", "Environmental Protection", "Newland A. Lesko, 59, executive vice president-manufacturing", "and technology since June 2003. He previously served as senior", "Information concerning the effects of the Company’s", "vice president-industrial packaging group from 1998 to 2003.", "compliance with federal, state and local provisions enacted or", "adopted relating to environmental protection matters is set", "Marianne M. Parrs, 60, executive vice president-", "forth on page 30 of Item 7. Management’s Discussion and", "administration since 1999 responsible for information", "Analysis of Financial Condition and Results of Operations.", "technology, investor relations, and global sourcing.", "Employees", "H.", "Wayne Brafford, 53, senior vice president-industrial", "packaging group since June 2003. He previously served as", "As of December 31, 2004, we had approximately 80,000", "vice president and general manager-converting, specialty and", "employees, 52,000 of whom were located in the United States.", "pulp from 1999 to 2003.", "3" ]

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[ "67", "Daily newspapers", "State", "Circulation", "Joined", "Territory", "City", "Newspaper", "Morning", "Afternoon", "Sunday", "Founded", "Gannett", "▲", "Illinois", "Rockford", "Rockford Register Star", "69,377", "80,890", "1855", "1967 (10)", "Indiana", "Fishers", "The Daily Ledger", "9,900", "1870", "2000 (92)", "♦", "Indianapolis", "The Indianapolis Star", "253,060", "364,345", "1903", "2000 (93)", "Lafayette", "Journal and Courier", "37,210", "43,769", "1829", "1971 (17) ", "Marion", "Chronicle-Tribune", "18,928", "21,199", "1867", "1971 (20)", "Muncie", "The Star Press", "32,388", "35,419", "1899", "2000 (94)", "Richmond", "Palladium-Item", "19,119", "22,834", "1831", "1976 (29)", "Vincennes", "Vincennes Sun-Commercial", "11,973", "13,864", "1804", "2000 (95)", "Iowa", "Des Moines", "The Des Moines Register", "152,567", "244,395", "1849", "1985 (53)", "Iowa City", "Iowa City Press-Citizen", "15,227", "1860", "1977 (40)", "Kentucky", "Louisville", "The Courier-Journal", "224,679", "285,538", "1868", "1986 (58)", "Louisiana", "Alexandria", "Alexandria Daily Town Talk", "35,693", "40,551", "1883", "2000 (96)", "Lafayette", "The Daily Advertiser", "44,487", "51,716", "1865", "2000 (72)", "Monroe", "The News-Star", "36,244", "41,323", "1890", "1977 (42)", "Opelousas", "Daily World", "11,029", "12,268", "1939", "2000 (97)", "Shreveport", "The Times", "66,871", "82,526", "1871", "1977 (41)", "Maryland", "Salisbury", "The Daily Times", "27,326", "31,482", "1900", "2000 (73)", "Michigan", "Battle Creek", "Battle Creek Enquirer", "24,962", "34,002", "1900", "1971 (18)", "Detroit", "The Detroit News", "241,184", "1873", "1986 (55)", "The Detroit News and Free Press", "745,686", "Lansing", "Lansing State Journal", "71,141", "90,439", "1855", "1971 (15)", "Port Huron", "Times Herald", "29,779", "40,739", "1900", "1970 (12)", "Minnesota", "St. Cloud", "St. Cloud Times", "27,992", "37,567", "1861", "1977 (35)", "Mississippi", "Hattiesburg", "Hattiesburg American", "22,290", "26,479", "1897", "1982 (51)", "Jackson", "The Clarion-Ledger", "100,708", "114,771", "1837", "1982 (50)", "Missouri", "Springfield", "Springfield News-Leader", "63,873", "92,586", "1893", "1977 (34)", "Montana", "Great Falls", "Great Falls Tribune", "33,253", "38,377", "1885", "1990 (59)", "Nevada", "Reno", "Reno Gazette-Journal", "66,681", "84,048", "1870", "1977 (31)", "New Jersey", "Asbury Park", "Asbury Park Press", "167,149", "227,984", "1879", "1997 (68)", "Bridgewater", "Courier News", "39,952", "40,134", "1884", "1927", "(5)", "Cherry Hill", "Courier-Post", "81,949", "97,360", "1875", "1959 ", "(7)", "East Brunswick", "Home News Tribune", "65,180", "72,966", "1879", "1997 (69)", "Morristown", "Daily Record", "42,865", "45,259", "1900", "1998 (70)", "Toms River", "Ocean County Observer*", "1850", "1998 (71)", "Vineland ", "The Daily Journal", "17,437", "1864", "1986 (57)", "New York", "Binghamton", "Press & Sun-Bulletin", "58,619", "73,765", "1904", "1943", "(6)", "Elmira", "Star-Gazette", "28,933", "40,407", "1828", "1906", "(1)", "Ithaca", "The Ithaca Journal", "18,624", "1815", "1912", "(2)", "Poughkeepsie", "Poughkeepsie Journal", "40,154", "51,525", "1785", "1977 (33)", "Rochester", "Rochester Democrat and Chronicle", "176,463", "238,593", "1833", "1918", "(3)", "Utica", "Observer-Dispatch", "45,794", "54,020", "1817", "1922", "(4)", "Westchester County", "The Journal News", "144,240", "173,985", "1829", "1964 ", "(8)", "North Carolina", "Asheville", "Asheville Citizen-Times", "55,374", "68,997", "1870", "1995 (64)", "Ohio", "Bucyrus", "Telegraph-Forum", "7,197", "1923", "2000 (74)", "Cincinnati", "The Cincinnati Enquirer", "197,399", "310,673", "1841", "1979 (44)", "Chillicothe", "Chillicothe Gazette", "16,340", "16,220", "1800", "2000 (75)", "Coshocton", "Coshocton Tribune", "7,311", "7,608", "1842", "2000 (76)", "Fremont", "The News-Messenger", "13,626", "1856", "1975 (27)", "Lancaster", "Lancaster Eagle-Gazette", "15,446", "15,718", "1807", "2000 (77)", "Mansfield", "News Journal", "33,823", "43,112", "1885", "2000 (78)", "Marion", "The Marion Star", "14,437", "15,258", "1880", "2000 (79)", "Newark", "The Advocate", "21,868", "22,781", "1820", "2000 (80)", "Port Clinton", "News Herald", "5,828", "1864", "1975 (28)", "Zanesville", "Times Recorder", "21,542", "21,402", "1852", "2000 (81)", "* Became an edition of the Asbury Park Press in 2001.", "Becomes twice weekly The Noblesville Ledger in April 2002.", "♦" ]

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[ "Return on Equity", "Return on equity (ROE) is another of our primary performance", "Return on common sharehold-", "Cash ROE ", "(%)", "measures. ", "ersGLYPH<213> equity (ROE)", "is calculated as", "We achieved an ROE of 13.4%, compared with 13.8% in 2001.", "net income, less preferred divi-", "18.8", "BMO is the only major North American bank that has generated", "dends, as a percentage of average", "common shareholdersGLYPH<213>", "equity.", "an ROE of more than 13% in each of the last 13 years. Excluding", "Common shareholdersGLYPH<213> equity is", "16.9", "non-recurring items, ROE was 13.8%, up 0.9% from a year ago.", "comprised of common share capi-", "16.1", "16.1", "15.9", "Cash ROE, excluding non-recurring items, was 14.6% in 2002,", "tal and retained earnings.", "14.8", "14.8", "within our target range of 14% to 15% and up from 13.9% in 2001.", "14.6", "14.2", "13.9", "Table 3 on page 53 contains ROE statistics for the past 10 years.", "Pages 12 and 14 provide further comment on ROE and include", "Cash return on common share-", "holdersGLYPH<213> equity", "is calculated as", "peer group comparisons.", "above but adjusts net income by", "1998", "1999", "2000", "2001", "2002", "adding back the amortization of", "2001 Compared with 2000", "As reported", "both goodwill, if any, and intan-", "ROE was 13.8% in 2001, compared with 18.0% in 2000. Excluding", "Excluding non-recurring items", "gible assets. ", "non-recurring items, ROE was 12.9%, down from 16.1% in the", "prior year. Notwithstanding the decline, performance benefited", "from common share repurchases in 2001.", "Net Economic Profit Growth", "The last of our four primary value measures is net economic", "Net economic profit (NEP)", "NEP ", "($ millions)", "profit (NEP) growth. ", "growth is the percentage change", "NEP declined 15% to $368 million, because cash net income", "year-over-year in total NEP, where", "763", "was lower in 2002 than in the previous year as a result of favour-", "NEP represents cash net income", "available to common sharehold-", "able non-recurring items in 2001. Personal and Commercial", "ers, less a charge for capital. NEP", "Client Group was the only group to generate economic profit in", "is an effective measure of eco-", "2002, as the other client groups generated cash returns on equity", "nomic value added.", "that were slightly below their cost of capital. ", "464", "433", "Pages 12 and 14 provide further comment on NEP growth and", "401", "368", "include peer group comparisons.", "2001 Compared with 2000", "1998", "1999", "2000", "2001", "2002", "NEP declined $330 million or 43% to $433 million in 2001, driven", "by a reduction in cash net income and higher average sharehold-", "ers’ equity, partially offset by the lower cost of capital associated", "with lower medium-term interest rates.", "Net Economic Profit ", "($ millions, except as noted)", "For the year ended October 31", "2002", "2001", "2000", "1999", "1998", "Net income available to common shareholders", "1,338", "1,391", "1,756", "1,265", "1,238", "After-tax impact of non-cash goodwill", "and other valuation intangibles amortization ", "75", "101", "74", "67", "69", "Cash net income available to common shareholders", "1,413", "1,492", "1,830", "1,332", "1,307", "Less: Charge for capital*", "1,045", "1,059", "1,067", "931", "843", "Net economic profit", "368", "433", "763", "401", "464", "(15)", "(43)", "90", "(14)", "(5)", "Net economic profit growth (%)", "*Charge for capital", "Average common shareholdersGLYPH<213> equity", "9,973", "10,100", "9,745", "8,976", "8,128", "Cost of capital (%)", "10.5", "10.5", "11.0", "10.4", "10.4", "Charge for capital", "1,045", "1,059", "1,067", "931", "843", "17", "BMO FINANCIAL GROUP ANNUAL REPORT 2002" ]

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[ 7, 8, 10, 4, 4, 4, 4, 4, 4, 4, 4, 4, 7, 1, 7, 1, 1, 10, 5 ]

[ "=l/ FRNST & YOUNG", "Audit opinion ", "In our opinion, the financial report of Harvey Norman Holdings Limited is in accordance with: ", "(a) ", "the Corporations Act 2001, including: ", "(i) ", "giving a true and fair view of the financial position of Harvey Norman Holdings Limited and the ", "consolidated entity at 30 June 2003 and of their performance for the year ended on that date; and ", "(ii) ", "complying with Accounting Standards in Australia and the Corporations Regulations 2001; and ", "(b) ", "other mandatory financial reporting requirements in Australia. ", "ice,", "Emst & Young", "ag —", "Craig M. Jackson", "Partner", "Sydney 26 September 2003", "91" ]

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[ "can be more productive and globally competitive. Our ", "The most significant restructuring charge taken in 2004 ", "customers want our products and services to be easy to use, ", "was $985 million associated with our Voluntary Employee ", "to work all the time. If there’s a problem they want us ", "Departure Program. We expect the voluntary departures— ", "there to support them. ", "which reduced our workforce by approximately 10 per cent—to ", "Our response is an approach we call smart contact. This ", "produce annual savings of approximately $390 million.", "means we will help our customers adapt and use the latest ", "We are successfully executing our plan to reshape ", "technology without adding to the complexity of their lives. ", "Bell Canada. In 2004, we defined the path for the future and ", "We will face them as one company. Provide them with the ", "laid the foundations. In 2005, we will execute our strategy ", "level of service that is at the core of our brand.", "and deliver improved operating results. By 2006, the company ", "Easy to say, harder to do. Like all organizations, sometimes ", "will be focused on service innovation, steady growth and ", "we fall short. And sometimes, as with our recent migration ", "increasing returns to shareholders.", "to a new billing system for Bell Mobility, we do not execute ", "Because of our progress, I recommended that the Board ", "as well as we should: we take a few steps back before moving ", "increase the common annual share dividend by 10 per cent, or ", "forward. But we ", "will", " move forward. Superior customer service ", "12", "cents a share. The Board did so in December. The dividend ", "will be the centrepiece of our competitive advantage in the ", "increase is important for two reasons. First, it increases our ", "marketplace. We will succeed.", "yield and provides our shareholders with a greater return on ", "their investment. Second and more importantly, it sends ", "2", ". Reliable Bandwidth ", "a strong signal to our shareholders, to our employees and ", "Providing our customers with ever-more-capable broadband ", "to our customers that we are confident in our forward ", "connectivity that they can count on.", "momentum; our plan has traction. ", "In last year’s letter, I wrote at length about the promise of ", "Internet Protocol (IP) connectivity and how it would usher in ", "A clear strategic plan ", "a new world of communications. A year later, I can say: it has.", "Last year, we successfully moved 60 per cent of our core ", "Our confidence is based on the very real progress we made ", "network traffic onto an IP platform. We also completed IP ", "in 2004. While Galileo paves the way for better performance, ", "migration plans for our entire Enterprise customer group— ", "we also developed a clear strategic framework for making ", "our 1,000 largest customers. For our small business and ", "the world’s first “new telecom.” Our plan rests on three ", "consumer customers, we began our pioneering rollout of ", "strategic pillars. These foundations are not new. They are a ", "Fibre-to-the-Node (FTTN). This will eventually allow ", "clear expression of the strategy we set out two years ago. ", "Bell to deliver all our services—voice, data, video—over a ", "And against which we have already made signifi cant progress. ", "single high-speed broadband network eight times faster ", "We will accelerate our progress over the next year as all of ", "than today’s current DSL connections. A network that will ", "us at Bell drive the implementation of this plan.", "reach almost 85 per cent of all households in the Québec ", "1", ". Customer Experience", "City to Windsor corridor.", "Put simply, we are committed to the IP revolution and its ", "Providing our customers superior product and service experiences ", "potential. Let me be absolutely clear: IP is not about delivering ", "that build loyalty and save time and expense. For them and for us.", "cut-rate voice connectivity over a DSL line or cable connection. ", "Our job is to take the power of the most advanced tech-", "nology and make it simple for our customers to use. So they ", "IP is about delivering the promise of true, high-speed band-", "width over a reliable network that our customers can trust. ", "can be better informed and entertained. So their businesses ", "6", "Bell Canada Enterprises ", "2004", " Annual Report" ]

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[ "Financial and", "C", "orporate Data", "45", "Notes to Financial", "66", "Directors", "21", "Selected Financial Data", "39", "Management’s Reports", "Statements", "67", "Officers", "22", "Trends in Alcoa’s", "40", "Report of Independent", "63", "Supplemental Financial", "Major Markets", "Registered Public", "68", "Shareowner Information", "Information", "Accounting Firm", "24", "Management’s Discussion", "64", "11-Year Financial Data", "and Analysis", "41", "Consolidated Financial", "Statements", "Selected Financial Data", "(in millions, except per-share amounts and ingot prices)", "For the year ended December 31", "20", "0", "4", "2003", "2002", "2001", "2000", "Sales", "$23,478", "$21,092", "$19,934", "$21,933", "$22,010", "Income from continuing operations", "1,402", "1,055", "518", "904", "1,451", "(Loss) income from discontinued operations", "(92)", "(70)", "(132)", "4", "38", "Cumulative effect of accounting change", "—", "(47)", "34", "—", "(5)", "Net income", "1,310", "938", "420", "908", "1,484", "Earnings (loss) per share:", "Basic:", "Income from continuing operations", "1.61", "1.23", ".61", "1.05", "1.78", "(Loss) income from discontinued operations", "(.11", ")", "(.08)", "(.16)", ".01", ".04", "Cumulative effect of accounting change", "—", "(.06)", ".04", "—", "(.01", ")", "Net income", "1.50", "1.09", ".49", "1.06", "1.81", "Diluted:", "Income from continuing operations", "1.60", "1.22", ".61", "1.04", "1.76", "(Loss) income from discontinued operations", "(.11", ")", "(.08)", "(.16)", ".01", ".04", "Cumulative effect of accounting change", "—", "(.06)", ".04", "—", "(.01", ")", "Net income", "1.49", "1.08", ".49", "1.05", "1.79", "Alcoa’s average realized price per pound for", "aluminum ingot", ".85", ".70", ".66", ".72", ".77", "LME average 3-month price per pound for", "aluminum ingot", ".78", ".65", ".62", ".66", ".71", "Cash dividends paid per common share", ".600", ".600", ".600", ".600", ".500", "Total assets", "32,609", "31,711", "29,810", "28,355", "31,691", "Short-term borrowings", "267", "50", "34", "163", "2,718", "Commercial paper", "630", "—", "665", "220", "1,510", "Long-term debt", "5,403", "7,216", "7,784", "6,264", "3,897", "The financial information for all prior periods has been reclassified to refl", "ec", "t assets held for sale and discontinued operations. See Note B to", "the Consolidated Financial Statements for further information.", "In addition to the operational results presented in Management’s Discussi", "o", "n and Analysis of Financial Condition and Results of Operations,", "other significant items that impacted results included, but were not limite", "d", "to, the following:", "2004:", "Disposition of businesses, restructuring and other charges, chan", "ge", "s in the provision for income taxes, the restructuring of debt and", "associated settlement of interest rate swaps, the effects of the Be´", "ca", "ncour strike, the sale of a portion of Alcoa’s interest in the Juruti", "bauxite project, environmental charges, the termination of an al", "u", "mina tolling arrangement, and discontinued operations", "2003:", "Acquisitions and dispositions of businesses, restructuring and o", "the", "r charges, insurance settlements related to environmental matters,", "changes in the provision for income taxes, discontinued operatio", "ns", ", and the adoption of a new accounting standard", "2002:", "Restructuring and other charges, the adoption of new accountin", "g standards, goodwill impairment, and discontinued operations", "2001:", "Restructuring and other charges, dispositions of businesses, and", "various charges to cost of goods sold and selling, general administrative", "and other expenses", "2000:", "Acquisitions of Reynolds Metals Company (Reynolds) and Corda", "nt", "Technologies (Cordant)", "The data presented in the Selected Financial Data table should be read in c", "onjunction with the information provided in Management’s Discussion", "and Analysis of Financial Condition and Results of Operations and the No", "t", "es to the Consolidated Financial Statements.", "21" ]

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[ "the newer aircraft that remain flying", "Controls, and Nacelles Supplier of ", "Phil Turner, a key player on my", "even with decreased commercial", "the Year Award. Because we provide", "management team with more than four", "activity. On the military side, we have", "them with the cost-effective quality", "decades of service, will help integrate", "been included on both the F135 and", "products they need, delivered on time,", "Aircraft Engine Systems into the global", "F136 engines for the Joint Strike", "our customers increasingly turn to", "business structure and plans to retire as", "Fighter program, and military repair,", "Woodward as a single source for energy", "the process nears completion. I would", "overhaul, and spare parts sales have", "control solutions.", "like to thank Phil for his countless", "been strong this year.", "contributions, including his effective", "Strategic wins", "management of the aircraft engine", "Board and Senior Management", "business in the months following", "While the sales volume in our industrial", "September 11, 2001. ", "Woodward pursues excellence in its", "markets declined in 2002, Woodward", "evolving board and management teams.", "gained", "share", "in a number of areas. ", "Ron Fulkrod, a vice president who", "Three new members have joined the", "served in many valuable roles since", "Content we provide on large", "industrial", "board in 2002 to build the skills and", "1961, will retire at the end of calendar", "gas", "turbines has increased over the past", "strength required in today’s business", "2002. I want to thank him for his", "few", "years from nothing to an array of fuel", "environment. John Cohn, Mary", "tireless efforts and sincere", "nozzles,", "valves, and actuators that are", "Petrovich, and James Rulseh have", "commitment to the company.", "placed", "on almost every new turbine", "outstanding experience in industrial", "developed,", "from the 5 megawatt GE-5 to", "All public companies were challenged", "manufacturing and exemplify the", "the", "150 megawatt GE Frame 9. The", "to demonstrate their standards of", "qualities of integrity and commitment", "value", "of", "our products on these large", "corporate governance in the wake ", "we seek in our board members. ", "turbines", "today ranges from $500,000 to", "of malfeasance by a few high-profile", "Vern Cassens and Tom Heenan retired", "over $1 million. ", "companies. The Sarbanes-Oxley Act of", "from the Board of Directors on September", "2002 imposed a number of regulations", "On", "smaller gas engines for power", "30, 2002, and we appreciate their many", "designed to protect shareholders", "generation,", "we", "now provide the throttle", "years of diligent service.", "through improved governance,", "body", "bypass and waste gate valves", "accountability, and disclosure. ", "In September, Tom Gendron, who has", "(including", "actuators),", "gas-metering", "served 12 years with Woodward in both", "valves, and ignition systems.", "Industrial Controls and Aircraft Engine", "In", "our aircraft engine markets, we", "Systems, was promoted to president", "executed", "multi-year", "extensions on", "and chief operating officer. This", "contracts", "with most of our key original", "change was part of our shift to", "equipment", "manufacturer", "customers,", "integrate all our technologies across", "including", "GE", "Aircraft Engines, and in", "the organization to ensure a more ", "several", "instances,", "expanded the ", "global approach to the range ", "content", "we", "provide on each engine ", "of markets we serve. ", "with", "manifolds and actuators. These", "agreements enable Woodward", "to team", "with", "our customers at the planning ", "stage", "of new engines and proactively", "•", "STRATEGIC", "GROWTH", "offer", "customized solutions for fuel-", "efficient, cost-effective,", "and", "reliable", "M", "arket conditions will remain challenging ", "engine systems. ", "through 2003. We are confident in our ability to face", "The aftermarket, repair", "and overhaul", "those challenges head-on and succeed. ", "portion", "of our aircraft engine business", "has", "been stronger than anticipated, as", "Woodward", "has more engine content on", "3" ]

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[ "A B O U T", "T H I S", "R E P O R T", "At Ford Motor Company, we are moving forward with confidence ", "and purpose as we strengthen the foundation of our business ", "today to meet the challenges of tomorrow. Our 2004 Annual ", "Report to Shareholders tells of the exciting products, growing ", "markets and innovative technologies – backed by a talented global ", "workforce – that are helping us plot a course toward the future.", "Ford Motor Company / 2004 Annual Report", "C", "O", "N", "T", "E", "N", "T", "S", "1 ", "Operating Highlights", "2", "Foreword: Introduction", "WWW.FORD.COM", "F O R W A R D", "Ford Motor Company", "•", "One American Road", "4", "Forward: Message from the Chairman", "8 ", "Forecast: Our growing presence in world markets", "10", "Forty: Products are key to our strength", "12 ", "Forefront: Staying competitive using flexible manufacturing", "14 ", "Foresight: Technology helps our products and the environment", "16 ", "Foremost: We are proud of our global family", "18 ", "William Clay Ford named Director Emeritus", "19 ", "Board of Directors and Executives", "21 ", "Financial Results", "96 ", "Shareholder Information", "97 ", "A Global Overview of our company", "A B O U T", "T H I S", "C", "O M P A N Y", "Ford Motor Company, a global automotive industry leader based ", "in Dearborn, Mich., manufactures and distributes automobiles", "in 200 markets across six continents. With about 325,000", "employees worldwide, our core and affiliated automotive brands ", "include Aston Martin, Ford, Jaguar, Land Rover, Lincoln, Mazda, ", "Mercury and Volvo. Our automotive-related services include Ford ", "Motor Credit Company, Genuine Parts & Service and Hertz. " ]

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[ "Non-Cash Financing and Investing Activities", "The following transactions occurred which affected assets and liabilities which are not re", "fl", " ected in the Statements of Cash Flows.", "Year ended 30 June 2004", "During the half year the following transactions occurred which affected assets and liabilities and did not result in cash ", "fl", " ows:", "•", "The issue of 111,595,854 fully paid ordinary shares to RCF in satisfaction of the RCF interest and facility fees and the debt ", "for equity swap approved by shareholders at the Annual General Meeting on 25 November 2003. The value ascribed to ", "this issue is $8,249,863.", "•", "Pursuant to a resolution by shareholders at the NuStar Mining Corporation Limited (“NuStar”) Annual General Meeting ", "held on 12 December 2003, the Company converted $17.6 million owing by NuStar to the Company into 352,000,000 ", "fully paid ordinary shares in NuStar.", "•", "Pursuant to a resolution by shareholders at the NuStar Annual General Meeting held on 12 December 2003, Claymore ", "Capital converted $0.1 million owing by NuStar to Claymore Capital by way of a convertible note into 2,000,000 fully paid ", "ordinary shares in NuStar.", "•", "On 5 December 2003, the Company issued 35 million fully paid ordinary shares at $0.08 per share for $2.8 million to ", "partly satisfy the convertible note loan. This resulted in the remaining face value owing being reduced to $4.4 million.", "Year ended 30 June 2003", "The issue of 8,734,436 fully paid ordinary shares at various prices ranging from $0.2263 to $0.0843 to RCF in satisfaction ", "of the RCF Facility fee and interest. See Note 18.", "31.", "FINANCING FACILITIES", "Other than as set out in Note 16(iii) regarding the RCF Facility, neither the Company nor the consolidated entity have access ", "to lines of credit that were unutilised.", "32.", "EARNINGS PER SHARE", "Consolidated", "30", "June", "30", "June", "2004", "2003", "cents/share", "cents/share", "Basic and diluted loss per share ", "4.70", "8.00", "$’000", "$’000", "Retained loss for the year used in the calculation of basic earnings per share", "(24,315)", "(32,733)", "Number", "Number", "Weighted average number of fully paid ordinary shares on issue during ", "the year used in the calculation of basic earnings per share", "517,843,596", "409,326,900", "63" ]

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[ "No. 02-16, ‘‘Accounting for Consideration Received from a Vendor by a Customer (Including a Reseller of the", "Vendor’s Products).’’ In April 2003, the FASB issued SFAS No. 149, ‘‘Amendment of Statement 133 on Derivative", "Instruments and Hedging Activities.’’ In May 2003, the FASB issued SFAS No. 150, ‘‘Accounting for Certain", "Financial Instruments with Characteristics of both Liabilities and Equity.’’ A discussion of these new standards is", "included in Note 1 to the Consolidated Financial Statements. The Company has not yet determined the impact of", "these accounting standards on its financial position and results of operations.", "Results of operations", "Fiscal Year Ended March 31", "(Dollars in Thousands)", "2003", "2002", "2001", "Consolidated Net Sales", "$1,171,631", "100.0%", "$1,294,322", "100.0%", "$1,431,838", "100.0%", "Cost of goods sold", "1,022,378", "87.3%", "1,123,839", "86.8%", "1,253,631", "87.6%", "Gross Margin", "149,253", "12.7%", "170,483", "13.2%", "178,207", "12.4%", "Warehouse, selling and", "administrative expenses", "135,899", "11.6%", "154,682", "12.0%", "163,182", "11.4%", "Restructuring charges", "20,697", "1.8%", "473", "—", "—", "—", "Write-down of IT system assets", "—", "—", "—", "—", "14,200", "1.0%", "Operating Income", "$", "(7,343)", "(0.6%)", "$", "15,328", "1.2%", "$", "825", "0.1%", "Net sales", "Fiscal 2003 consolidated net sales decreased approximately $122.7 million or 9.5% from consolidated net sales", "in 2002 as a result of depressed corporate capital spending, as well as the decision to discontinue certain", "products and customer relationships that did not fit the Company’s long-term strategic plan. Overall sales were", "impacted by customers taking advantage of price reductions and promotions offered by manufacturers, as well as", "taking longer to evaluate purchasing decisions and deferring additional capital investments because of the", "uncertain economy. Fiscal 2002 consolidated net sales decreased 9.6% from 2001 primarily due to the weak U.S.", "economy, manifested by a slowdown in information technology spending. Management expects sales to grow", "12", "slightly in Fiscal 2004 and expects the continuing business to be less cyclical, although more seasonal than the", "business mix prior to the divestiture of the Company’s electronic components business.", "Gross margin", "Consolidated gross margin, as a percent of sales, decreased to 12.7% for Fiscal 2003 from 13.2% in Fiscal 2002", "due to pricing pressures, product and customer mix and lower supplier sales incentives. Consolidated gross", "margin increased to 13.2% in 2002 from 12.4% in 2001, as a result of improved product mix, coupled with a slight", "increase in supplier sales incentives. Management anticipates that gross margin will be comparable in Fiscal", "2004.", "Operating expenses", "Warehouse, selling and administrative expenses decreased $18.8 million, or 12.1%, in Fiscal 2003 from", "$154.7 million in Fiscal 2002. The decrease resulted primarily from the elimination of goodwill amortization under", "SFAS No. 142 combined with lower bad debt expense in the current year. In addition, the effects of the", "restructurings announced in the fourth quarters of Fiscal 2003 and Fiscal 2002 and the initiatives to reduce", "discretionary spending contributed to the decline in operating expenses.", "In Fiscal 2002, warehouse, selling and administrative expenses decreased $8.5 million, or 5.2%, from", "$163.2 million in Fiscal 2001. The decrease in operating expenses can primarily be attributed to expense", "reduction initiatives implemented in the fourth quarter of Fiscal 2001 and in the third quarter of Fiscal 2002 in", "order to improve operating margins in the difficult sales environment. In addition, lower compensation and", "benefits due to personnel reductions and lower incentives associated with current financial performance contrib-", "uted to this decline. The overall decrease in operating expenses was slightly offset by an increase in bad debt", "expense needed due to two customer bankruptcies that occurred in Fiscal 2002.", "Restructuring and impairment charges", "In the fourth quarter of Fiscal 2003, resulting from the sale of the Industrial Electronics Division, the Company", "announced that it would restructure its remaining business and facilities to reduce overhead and eliminate assets" ]

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[ "CORPORATE GOVERNANCE STATEMENT", "for the year ended 30 June 2001 ", "This statement outlines the main Corporate Governance", "It also gives the Board of Directors additional assurance", "practices that were in place throughout the Financial Year,", "regarding the quality and reliability of financial", "unless otherwise stated. These practices are dealt with", "information prepared for use by the board in determining", "under the following headlines: Board of Directors and ", "policies for inclusion in financial statements. The Audit", "Board Committees, Internal Control Framework, Ethical", "Committee was established on 11 July 2000. The initial", "Standards, Business Risks and Emergency Planning.", "members of the Committee are I Armstrong, G Bradd, ", "P Hyer, N Wran.", "Board of Directors and Board Committees", "Marketing Committee", "The Role of the Board", "The Marketing Committee was established on 13 October", "The Board of Directors has the overall responsibility for the", "2000 to report to the Board on matters relating to", "Corporate Governance of the Company. It is responsible for", "marketing. The initial members of the Committee are ", "setting strategic direction, confirming financial objectives", "N Ford and D McMichael.", "and assuring the management function by establishing", "Remuneration Committee", "goals for management and monitoring performance", "against those goals. Above all, it is wholly accountable to,", "The Remuneration Committee was established on ", "and focused on the needs of, all shareholders and other", "25", "October 1999 to report to the Board on matters", "stakeholders. To give further effect the Board has", "relating to establishing and reviewing remuneration", "established Board Compliance and Audit, Investment,", "arrangements for the Chief Executive Officer and other", "Remuneration and Marketing Committees to assist in the", "senior executives and non-executive Directors. The initial", "execution of its responsibilities.", "members of the Committee are N Ford and P Hyer.", "Composition of the Board", "Investment Committee", "The Directors of the Company in office at the date of this", "The", "Investment", "Committee", "was", "established", "on", "statement are shown in the Directors’ Report; seven are", "12", "September 2000 to report to the Board on matters of", "non-executive Directors and two are executive Directors.", "capital expenditure and investment. The initial members", "The Company's Constitution requires Directors retire from", "of the Committee are R Kermode, E Barukh and N Ford.", "office by rotation. Retiring Directors may offer themselves", "Internal Control Framework", "for re-election.", "In the event that a potential conflict of interest may arise,", "The Board acknowledges that it has responsibility for the", "Directors affected withdraw from the Board meeting for", "overall control framework, but recognises that no cost", "the period the matter is being considered and take no part", "effective control system will preclude all errors and", "in discussions, and exercise no influence over other Board", "irregularities. To assist in discharging this responsibility", "members, as is required by the Directors' Code of Conduct.", "the Board has, in addition to establishing the Board", "Compliance and Audit Committee, implemented an", "Board Committees", "internal control framework that can be described under", "The Directors seek to achieve best practice in Corporate", "three headings.", "Governance and accountability through the following", "Financial reporting: There is a comprehensive", "•", "Board Committees, which assist the Board in the", "budgeting system with an annual budget approved by", "execution of its responsibilities. ", "the Directors. Monthly actual results are reported", "against budget. Revised forecasts for the year are", "Board Compliance and Audit Committee", "prepared as needed, together with monthly chart and", "The role of the Board Compliance and Audit Committee,", "graph analysis of trends and trading.", "which is an advisory committee, is documented in its", "Quality, integrity and performance of personnel: The", "•", "Charter approved by the Board of Directors. In accordance", "Company's requirements are detailed in the Standard", "with its Charter, all Members of the Committee must be", "Operating Procedures, Employment Contracts and ", "non-executive Directors. Members are appointed for two", "Job Specifications. ", "year terms. The role of the Committee is to review the", "financial reporting process, the system of internal control", "Investment appraisal: The Company has clearly defined", "•", "and management of financial risks, the audit process, and", "guidelines for capital expenditure. These include", "the Company's process for monitoring compliance with", "annual budgets, detailed appraisal and review", "laws and regulations and its own code of business", "procedures and due diligence enquiry, where business", "conduct. The Committee makes recommendations to the", "opportunities are being acquired or reassessed for", "Board regarding the reappointment of the external auditors", "viability. The Board is assisted in this area by the", "and reviews their remuneration. The Committee under its", "Investment Committee.", "Charter reviews the performance of the external auditors.", "ABN 99 001 958 390", "CABCHARGE AUSTRALIA LIMITED ", "AND CONTROLLED ENTITIES", "15" ]

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[ "principal payment requirements for $60 million of debt", "Cash Flows", "from the 2002-2003 timeframe to the 2006-2012", "In thousands for the year", "timeframe, and by adding an additional $15 million of", "ended September 30,", "2002", "2001", "2000", "debt to the extended timeframe. We also expect to", "Net cash provided by", "replace the current $150 million revolving line of credit", "operating activities", "$91,394", "$87,293", "$55,717", "facility, none of which was outstanding at September", "Net cash provided by (used in)", "30, 2002, with a new facility prior to its expiration on", "investing activities", "(48,211)", "(61,699)", "15,736", "June 15, 2003. Despite these factors, it is possible", "Net cash used in", "financing activities", "(24,514)", "(23,521)", "(71,299)", "business acquisitions could be made in the future that", "would require amendments to existing debt agreements", "and the need to obtain additional financing.", "2002 Compared to 2001 and Outlook", "Net cash flows provided by operations increased by 5%", "2001 Compared to 2000", "in 2002 over 2001. This improvement is predominantly", "due to relative changes in cash flows associated with", "Net cash flows provided by operations increased by", "accounts receivable and inventories, which more than", "58% in 2001 over 2000. This improvement is", "offset relative changes in cash flows associated with", "predominantly due to increased net earnings, exclusive", "income tax payments and other accruals. While net", "of the pretax gain from the sale of our turbine control", "earnings for 2002 were lower than 2001, the 2002", "retrofit business in 2000. For purposes of preparing the", "measure included additional non-cash charges for the", "statement of consolidated cash flows, the proceeds from", "cumulative effect of an accounting change and an", "the sale of the retrofit business were not considered an", "equipment impairment loss, reducing the cash flow", "operating activity, but the associated income tax", "impact of the decline.", "payments were.", "Net cash flows used for investing activities decreased by", "Net cash flows for investing activities changed by", "$13.5 million in 2002 as compared to 2001. This", "$77.4 million in 2001 as compared to 2000. This", "change primarily resulted from business acquisition and", "change resulted from Industrial Controls’ business", "divestiture activities of Industrial Controls. We made", "acquisition and divestiture activities. In 2001, we made", "payments associated with Industrial Controls’", "payments associated with two acquisitions totaling", "acquisitions and divestitures totaling $25.8 million in", "$31.2 million and made payments associated with the", "2002 compared to $35.2 million in 2001. We also", "prior year’s sale of our turbine control retrofit business", "reduced Aircraft Engine Systems’ capital expenditures", "of $4.0 million. In 2000, we received proceeds from the", "by $2.7 million.", "sale of our retrofit business of $41.7 million.", "Net cash flows used in financing activities were", "Net cash flows used in financing activities decreased by", "approximately the same in 2002 as in 2001. As", "$47.8 million in 2001 from 2000. This decrease is", "previously indicated, we received proceeds from long-", "primarily associated with lower levels of debt reductions", "term debt totaling $75 million in 2002, which we", "due to two business acquisitions, despite higher levels of", "principally used to repay debt that was due in 2002 and", "operating cash flows. In 2000, we also used proceeds", "2003. Under the terms of the new senior notes, the new", "received from the sale of the turbine control retrofit", "debt is payable in seven equal annual installments", "business to reduce debt.", "beginning in 2006.", "Outlook:", "Future cash flows from operations and", "available revolving lines of credit are expected to be", "adequate to meet our cash requirements over the next", "twelve months. Our financing activities in 2002 have", "enhanced our liquidity for several years by delaying", "25" ]

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[ "Q: What are your strategies for system LSIs and dis-", "crete devices?", "A:", "In system LSIs our focus is on system-on-chip (SoC). I know", "this is a highly competitive field, but we will deploy four strate-", "gies designed to make Toshiba a winner in this sector in the", "years ahead.", "First of all, we will strengthen design technology and pro-", "cess development capabilities. We will pay particular attention", "to design technology, and plan to invest an additional ¥10 bil-", "lion (US$75 million) a year to strengthen our capabilities.", "We are also strengthening our product lines. In addition to", "the TX series, our MIPS-based processor cores, we are working", "to reinforce and expand sales of embedded memory and analog", "SoC with powerful processor cores. These efforts are supported", "by quickened development of the “Cell,” a new and powerful", "microprocessor core we are currently developing with IBM Cor-", "Q: You are now concentrating on NAND flash memo-", "poration and Sony Computer Entertainment Inc. And, of course,", "ries. Will this sector also see severe competition?", "Toshiba will also continue to develop DRAM technologies neces-", "sary for SoC.", "A:", "In our third strategy, Toshiba will concentrate on four areas", "That is very possible, if we just stand pat and do not act.", "where significant growth can be reasonably anticipated: digital", "But we will not do that. We have advanced plans to quickly build", "consumer products, mobile products, intelligent offices, and", "a solutions-provider business. One aspect of this will be provi-", "automotive devices. We will also support the networks that will", "sion of controller technologies that promote the optimal use of", "link these four, and do all we can to strengthen our relations", "NAND flash memories in individual applications. Our strategy", "with leading customers.", "here is to avoid a focus on just selling memories themselves,", "Finally, we will reorganize our manufacturing in two ways.", "as that is easily affected by price competition.", "We will increase outsourcing of our wafer fabrication and as-", "At the same time, we will work for superior cost competi-", "sembly processes, and expand overseas production, particu-", "tiveness, using multi-level cell process technology to do so. That", "larly in China, where we are building up our manufacturing struc-", "will allow us to realize lower costs and lower prices that can", "ture and capabilities and increasing product assembly.", "support an expansion of applications for NAND. Even as we do", "In discrete devices, we will take full advantage of our supe-", "that, we want to avoid stimulating the cutthroat competition that", "riority in small and multi-pin-count packages and low-voltage", "plagued our commodity DRAM business, by securing IP, includ-", "operation to sustain our worldwide No. 1 market share and main-", "ing patents, and by developing leading-edge technologies and a", "tain high profitability.", "steady stream of distinctive products our competitors cannot", "easily match. I think I can safely say that we have no concerns", "for a repeat of the situation that occurred with commodity DRAMs.", "7" ]

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[ 10, 10, 10, 10, 10, 10, 10, 10, 10, 10 ]

[ "Today’", "s surgical breakthroughs are speeding recovery", "It turns out photosynthesis isn’", "t the only light of life. These", "times. Revolutionary new procedures using lasers", "recently discovered deep-sea creatures are wholly", "and high-pressure water devices include Parker", "sustained by chemosynthesis, observed via remotely", "automation and fluid connectors.", "operated vessels controlled with Parker systems." ]

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[ 7, 7, 11, 11, 11, 11 ]

[ "las", "N", "FranklinCovey", "2000 ", "Annual Report", "Proxy Statement" ]

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[ "Financial Review 2004", "Consolidated", "Statements ", "of Earnings", "Fiscal YearEnded", "May 30, 2004 ", "May 25, 2003 ", "May 26, 2002", "(In thousands, except per share data) ", "Sales", "$5,003,355 ", "$4,654,971 ", "$ 4,366,911", "Costs and expenses: ", "Cost of sales: ", "Food and beverage ", "1,526,875 ", "1,449,162 ", "1,384,481", "Restaurant labor ", "1,601,258 ", "1,485,046 ", "1,373,416", "Restaurant expenses ", "767,584 ", "703,554", "628,701", "Total cost of sales, excluding restaurant depreciation", "and amortization of $195,486, $177,127, and", "$155,837, respectively ", "$3,895,717", "$ 3,637,762", "$3,386,598 ", "Selling, general, and administrative ", "472,109 ", "431,722", "417,158 ", "Depreciation and amortization ", "210,004 ", "191,218 ", "165,829 ", "Interest, net ", "43,659 ", "42,597", "36,585 ", "Asset impairment and restructuring charges (credits), net ", "41,868 ", "3,924 ", "(2,568)", "Total costs and expenses ", "$4,663,357 ", "$ 4,307,223 ", "$4,003,602 ", "Earnings before income taxes ", "339,998 ", "347,748", "363,309 ", "Income taxes ", "108,536", "115,488", "125,521 ", "Net earnings", "$", "231,462 ", "$", "232,260", "$", "237,788 ", "Net earnings per share: ", "Basic", "$", "1.42 ", "$", "1.36 ", "$", "1.36 ", "Diluted ", "$", "1.36 ", "$", "1.31", "$", "1.30 ", "Average number of common shares outstanding: ", "Basic", "163,500 ", "170,300", "174,700 ", "Diluted ", "169,700 ", "177,400", "183,500 ", "See accompanying notes to consolidated financial statements.", "34", " Darden Restaurants" ]

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[ "NOTES TO THE FINANCIAL STATEMENTS", "Details on various stock option exercise price ranges are as follows:", "Outstanding Options", "Exercisable Options", "Weighted-", "Weighted-", "Weighted-", "Range of ", "Shares", "Average Life", "Average", "Shares", "Average", "Exercise Prices", "(millions)", "(years)", "Exercise Price", "(millions)", "Exercise Price", "$ 7.40", "–", "$10.58", "29.9", "8.2", "$ 8.04", "8.9", "$ 8.11", " 10.62", "15.81", "67.7", "4.7", "12.84", "41.5", "12.53", " 15.91", "–", "23.88", "91.3", "5.6", "20.07", "76.3", "20.70", " 23.97", "35.79", "55.8", "5.2", "30.88", "55.6", "30.91", " 41.03", "–", "42.52", "0.7", "3.3", "41.42", "0.7", "41.42", "Total options", "245.4", "183.0", "The estimated fair value of stock options at the time of grant using the Black-Scholes option pricing model was as follows:", " 2004", " 2003", " 2002", "4.71", "Fair value per option ", "$", "$ ", "2.07", "$ ", "5.76", "Assumptions:", "3.0%", "Annualized dividend yield", "5.1%", "2.5%", "42.2%", "Expected volatility", "39.3%", "35.0%", "3.4%", "Risk-free interest rate", "3.7%", "5.1%", "7", "Expected option term (in years)", "7", "7", "See Note 2 for a discussion of the impact on earnings of our adoption of SFAS No. 123 in respect to stock option awards,", "effective January 1, 2003. ", "NOTE 19. DERIVATIVE FINANCIAL INSTRUMENTS", "SFAS No. 133 establishes accounting and reporting standards for derivative instruments and requires that all derivatives be ", "recorded at fair value on our balance sheet, including embedded derivatives.", "Our operations are exposed to global market risks, including the effect of changes in foreign currency exchange rates, ", "certain commodity prices and interest rates. The objective of our risk management program is to manage the financial and ", "operational exposure arising from these risks by offsetting gains and losses on the underlying exposures with gains and losses ", "on derivatives used to hedge them. We have hedge documentation that defines the hedging objectives, practices, procedures, ", "and accounting treatment. Our hedging program and our derivative positions and strategy are reviewed on a regular basis by ", "our management.", "We have elected to apply hedge accounting to a portion of our derivatives. Hedges that receive designated hedge accounting ", "treatment are evaluated for effectiveness at the time they are designated as well as throughout the hedge period. Some ", "derivatives do not qualify for hedge accounting under SFAS No. 133; for others, we elect not to apply hedge accounting ", "treatment. For both of these, the mark to fair value is reported currently through earnings. Regardless of hedge accounting ", "treatment, derivative positions are used only to manage identified exposures.", "The use of derivatives to manage market risk results in counterparty risk, or the risk of a counterparty defaulting on a derivative ", "contract. We enter into master netting agreements with counterparties that usually allow for netting of certain exposures. We ", "establish exposure limits for each counterparty to minimize risk and provide counterparty diversification. Substantially all our ", "counterparty exposures are with counterparties that have long-term debt ratings of single-A or better.", "Automotive Sector", "Cash Flow Hedges. We use forward contracts and options, which qualify as cash flow hedges to manage our exposure to foreign ", "currency exchange and commodity price risks. The effective portion of changes in the fair value of cash flow hedges is deferred in ", "Accumulated Other Comprehensive Income ", "(“OCI”) and is recognized in ", "Cost of sales", " when the hedged item affects earnings.", "Derivatives used to manage financial exposures for foreign exchange and commodity price risks generally mature within three ", "years or less, with a maximum maturity of five years. Cash flow hedges are discontinued when it is probable that the original ", "forecasted transaction will not occur.", "The impact to earnings associated with hedge ineffectiveness from cash flow hedges was ", "recorded in ", "Cost of sales", " as a gain of $1 million in 2004 and a gain of $36 million in 2003. ", "7", "9" ]

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[ "P N M", "R E S O U R C E S", "•", "2 0 0 3", "A n n u a l", "NOTES TO CONSOLIDATED FINANCIAL STATEMENTS", "NOTES TO CONSOLIDATED FINANCIAL STATEMENTS", "DECEMBER 31, 2003, 2002, 2001", "DECEMBER 31, 2003, 2002, 2001", "R e p o r t", "The following sets forth the pension plan’s funded status, components of pension costs and amounts (in thousands) at the pension plan", "The following table outlines the asset allocation for the pension plan as of December 31:", "measurement date of December 31, 2003 and September 30, 2002:", "2003", "2002", "t o", "2003", "2002", "PENSION BENEFITS", "S h a r e h o l d e r s", "Equity securities", "65%)", "61%)", "Debt securities", "Change in Projected Benefit Obligation:", "25%)", "29%)", "Real estate", "Projected benefit obligation at beginning of year", "8%)", "10%)", "$", "$", "$^{373,434}$)%", "426,885)%", "Other", "Service cost", "2%)", "–%)", "5,189)%", "$^{5,539}$)%", "Interest cost", "28,089)%", "$^{27,238}$)%", "Actuarial loss", "26,166)%", "$^{37,632}$)%", "The pension plan is currently targeting the following asset allocation for 2004:", "Benefits paid", "(22,535)%", "$^{(20,518)}$)%", "Domestic Equity", "Plan change", "47.5%)", "–)%", "$^{3,560}$)%", "Non-US Equity", "10.0%)", "463,794)%", "$^{426,885}$)%", "PROJECTED BENEFIT OBLIGATION AT END OF PERIOD", "Fixed Income", "22.5%)", "Change in Plan Assets:", "Real Estate", "5.0%)", "Fair value of plan assets at beginning of year", "319,113)%", "$^{339,838}$)%", "Private Equity", "5.0%)", "Actual return on plan assets", "80,126)%", "$^{(20,207)}$%", "Absolute Return", "10.0%)", "Contributions", "48,950)%", "$^{20,000}$)%", "Benefits paid", "(22,535)%", "$^{(20,518)}$%", "Other Post-Retirement Benefits", "425,654)%", "$^{319,113}$)%", "FAIR VALUE OF PLAN ASSETS AT END OF YEAR", "The Company provides medical and dental benefits to eligible retirees. Currently, retirees are offered the same benefits as active employees after", "Funded Status", "(38,140)%", "$^{(107,772)}$%", "taking Medicare into consideration. The following sets forth the other post-retirement benefits’ funded status, components of net periodic benefit", "Unrecognized net actuarial loss", "120,995)%", "$^{144,328}$)%", "cost (in thousands) at the measurement date of December 31, 2003 and September 30, 2002: ", "Unrecognized prior service cost", "2,927)%", "$^{3,109}$)%", "$", "$", "85,782)%", "$^{39,665}$)%", "PREPAID PENSION COST", "OTHER BENEFITS", "2002", "2003", "The amounts recognized in the Consolidated Balance Sheet consist of:", "Change in Benefit Obligation:", "Benefit obligation at beginning of year", "Prepaid benefit costs", "$", "117,796)%", "$", "$^{109,408}$)%", "$", "$", "85,782)%", "$^{39,665}$)%", "68", "69", "Service cost", "Additional minimum liability", "3,086)%", "$^{2,694}$)%", "(123,922)%", "$^{(147,437)}$%", "Interest cost", "7,840)%", "$^{8,082}$)%", "$", "$^{(107,772)}$%", "$", "(38,140)%", "Plan participant’s contributions", "1,534)%", "$^{795}$)%", "Amendments", "(18,720)%", "$^{(31,960)}$%", "Weighted - Average Assumptions Used to Determine Projected Benefit Obligation as of December 31, 2003 and September 30, 2002", "Unrecognized actuarial loss", "10,187)%", "$^{32,623}$)%", "Expected benefit paid", "(6,911)%", "$^{(3,846)}$%", "2002", "2003", "114,812)%", "$^{117,796}$)%", "BENEFIT OBLIGATION AT END OF PERIOD", "Discount rate", "6.75%)", "6.50%)", "Change in Plan Assets:", "Expected return on plan assets", "9.00%)", "9.00%)", "Fair value of plan assets at beginning of year", "37,387)%", "$^{40,594}$)%", "Actual return on plan assets", "11,055)%", "$^{(6,478)}$%", "Employer contribution", "7,892)%", "$^{6,322}$)%", "2003", "2002", "2001", "PENSION BENEFITS", "Participant contribution", "1,534)%", "$^{795}$)%", "Components of Net Periodic Benefit Cost:", "Benefits paid", "(6,911)%", "$^{(3,846)}$%", "Service cost", "$", "$", "$", "5,189)%", "$^{5,539}$)%", "$^{5,544}$)%", "Fair value of plan assets at end of year", "50,957)%", "$^{37,387}$%", "Interest cost", "28,089)%", "$^{27,238}$)%", "$^{25,758}$)%", "Funded Status", "(63,855)%", "$^{(80,409)}$%", "Expected return on plan assets", "(35,109)%", "$^{(34,497)}$%", "$^{(29,488)}$%", "Employer contribution after measurement date", "–)%", "$^{1,538}$)%", "Amortization of net loss (gain)", "3,910)%", "$^{–}$)%", "$^{(847)}$%", "Unrecognized net transition obligation", "16,354)%", "$^{18,171}$)%", "Amortization of transition obligation", "–)%", "$^{–}$)%", "$^{(1,158)}$%", "Unrecognized net actuarial loss", "72,987)%", "$^{74,048}$)%", "Amortization of prior service cost", "317)%", "$^{326}$)%", "$^{34}$)%", "Unrecognized prior service cost", "(48,087)%", "$^{(31,960)}$%", "Net periodic pension benefit cost/(income)", "$", "$", "2,396)%", "$", "$^{(1,394)}$%", "$^{(157)}$%", "$", "(22,601)%", "$", "$^{(18,612)}$%", "ACCRUED POST-RETIREMENT COSTS", "Weighted - Average Assumptions Used to Determine Net Periodic Benefit Cost as of December 31, 2003 and September 30, 2002 and 2001", "Weighted – Average Assumptions Used to Determine Projected Benefit Obligation as of December 31, 2003 and September 30, 2002", "2003", "2002", "2001", "2003", "2002", "Discount rate", "7.50%)", "8.25%)", "6.75%)", "Discount rate", "6.50%)", "$^{6.75%}$)", "Expected return on plan assets", "9.00%)", "7.750%)", "9.00%)", "Expected return on plan assets", "9.00%)", "$^{9.00%}$)", "Rate of compensation increase", "N/A%)", "N/A%)", "N/A%)" ]

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[ "Notes To Consolidated Financial Statements", "estimated useful lives of 15 to 20 years for buildings and 3 ", "location and extent of the related surrounding overburden, ", "to 25 years for machinery and equipment.", "the ratio of overburden to ore is much higher in the initial ", "Effective January 1, 2002, FCX changed its method of ", "mining of the open pit than in later years. As a result, ", "computing depreciation for PT Freeport Indonesia’s mining ", "surface mining costs associated with overburden removal ", "and milling life-of-mine assets. Prior to January 1, 2002, ", "at PT Freeport Indonesia’s Grasberg open-pit mine that are ", "PT Freeport Indonesia depreciated mining and milling life-of-", "estimated to relate to future production are initially deferred ", "mine assets on a composite basis. Total historical capitalized ", "when the ratio of actual overburden removed to ore mined ", "costs and estimated future development costs relating to its ", "exceeds the estimated average ratio of overburden removed ", "developed and undeveloped reserves were depreciated using ", "to ore mined over the life of the Grasberg open-pit mine. ", "the unit-of-production method based on total developed and ", "Those deferred costs are subsequently charged to operating ", "undeveloped proven and probable copper reserves. Estimated ", "costs when the ratio of actual overburden removed to ore ", "future costs, which are significant, to develop PT Freeport ", "mined falls below the estimated average ratio of overburden ", "Indonesia’s undeveloped ore bodies are expected to be ", "to ore over the life of the Grasberg open-pit mine. The ", "incurred over the next 20 to 25 years.", "reserve quantities used to develop the life of mine ratio are ", "After considering the inherent uncertainties and subjec-", "the proven and probable ore quantities for the Grasberg open ", "tivity relating to the long time frame over which these estimated ", "pit disclosed in Note 13. ", "costs would be incurred, management revised its depreciation ", "The deferred mining cost method is used by some ", "methodology prospectively. Effective January 1, 2002, deprecia-", "companies in the metals mining industry; however, industry ", "tion for the mining and milling life-of-mine assets excludes ", "practice varies. The Emerging Issues Task Force of the ", "consideration of future development costs. Under the new ", "Financial Accounting Standards Board (FASB) currently is ", "methodology, PT Freeport Indonesia depreciates the capital-", "evaluating this issue. The deferred mining cost method ", "ized costs of individual producing mines over the related ", "matches the cost of production with the sale of the related ", "proven and probable copper reserves. Infrastructure and ", "metal from the open pit by assigning each metric ton of ", "other common costs continue to be depreciated over total ", "ore removed an equivalent amount of overburden tonnage ", "proven and probable copper reserves.", "thereby averaging the overburden removal costs over the life ", "of the mine. The mining costs capitalized in inventory and ", "Asset Impairment.", " FCX reviews and evaluates its long-", "the amounts charged to cost of goods sold do not represent ", "lived assets for impairment when events or changes in ", "the actual costs incurred to mine the ore in any given period.", "circumstances indicate that the related carrying amounts ", "If PT Freeport Indonesia were to charge all mining costs to ", "may not be recoverable. An impairment loss is measured as ", "expense when incurred, including all overburden removal costs, ", "the amount by which asset carrying value exceeds its fair ", "as some mining companies do, there would be greater ", "value. Fair value is generally determined using valuation tech-", "volatility in FCX’s period-to-period results of operations.", "niques such as estimated future cash flows. An impairment is ", "The application of the deferred mining cost method has ", "considered to exist if total estimated future cash flows on an ", "resulted in an asset on FCX’s balance sheets (“Deferred ", "undiscounted basis are less than the carrying amount of the ", "Mining Costs”), which based on current mine plans, is ", "asset. An impairment loss is measured and recorded based on ", "estimated to increase through about 2010. Subsequently, ", "discounted estimated future cash flows. Future cash flows for ", "these costs are expected to be amortized as a charge to ", "PT Freeport Indonesia’s mining assets, which are considered ", "production and delivery costs until they are fully amortized ", "one asset group, include estimates of recoverable pounds ", "at the end of the open pit’s life, which is estimated to be in ", "and ounces, metal prices (considering current and historical ", "approximately 2015. This is because PT Freeport Indonesia ", "prices, price trends and related factors), production rates and ", "expects to mine higher than average amounts of overburden ", "costs, capital and reclamation costs as appropriate, all based ", "through 2010 and less than average thereafter. Deferred ", "on detailed life-of-mine engineering plans. Future cash flows ", "mining costs totaled $220.4 million at December 31, 2004, ", "for Atlantic Copper’s smelting assets include estimates of ", "and $142.6 million at December 31, 2003. Additions to ", "treatment and refining rates (considering current and histor-", "deferred mining costs are classified as increases in deferred ", "ical prices, price trends and related factors), production rates ", "mining costs in operating activities in the consolidated ", "and costs, capital and reclamation costs as appropriate, all ", "statements of cash flows and totaled $77.8 million in 2004, ", "based on operating projections. Assumptions underlying future ", "$64.4 million in 2003 and $30.6 million in 2002. PT Freeport ", "cash flow estimates are subject to risks and uncertainties. No ", "Indonesia evaluates the recoverability of these deferred ", "impairment losses were recorded during the periods presented.", "mining costs in conjunction with its evaluation of the ", "Deferred Mining Costs.", " Mining costs are charged to ", "recoverability of its mining assets as described in FCX’s ", "operations as incurred. However, because of the configura-", "tion and location of the Grasberg open-pit ore body and the ", "2004 ANNUAL REPORT ", "| 55" ]

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[ "MANAGEMENT’S DISCUSSION AND ANALYSIS OF", "FINANCIAL CONDITION AND RESULTS OF OPERATIONS", "Depreciation and amortization increased from $104.7 million for 2003 to $106.2 million for 2004. This increase was", "primarily due to new development and capital improvements placed in service and issuance of new debt during the ", "past year.", "Gain on sale of land for the year ended December 31, 2004 included a gain of $1.6 million from the sale of 12.5 acres of ", "undeveloped land located in Houston as well as gains of $1.0 million from the sale of 2.1 acres of undeveloped land in ", "Long Beach, California. Gain on sale of land for the year ended December 31, 2003 was from the sale of 61.1 acres of ", "undeveloped land located in Houston.", "The $1.1 million impairment loss on land held for sale related to 2.4 acres of undeveloped land located in Dallas, ", "which was classified as held for sale during 2004.", "Equity in income of joint ventures decreased $2.8 million from 2003, primarily from gains recognized on sale of ", "properties held in joint ventures in 2003. Our portion of the gain recognized on these property sales totaled $1.4 million ", "during 2003.", "Distributions on units convertible into perpetual preferred shares decreased from $12.7 million for 2003 to $10.5", "million for 2004, as a result of an amendment to the terms of the Series B preferred units which was effective beginning ", "December 1, 2003, as well as the redemption of $35.5 million in Series C preferred units in September, 2004. Original ", "issuance costs of $0.7 million were expensed in connection with the redemption of the Series C preferred units.", " 2003 COMPARED TO 2002", "Income from continuing operations decreased $14.2 million, or 34.5%, from $41.0 million to $26.8 million for the years ", "ended December 31, 2002 and 2003, respectively. The decrease in income from continuing operations was due to many ", "factors, which included, but were not limited to, decreases in property net operating income combined with increases ", "in interest costs and depreciation. Net operating income decreased $6.6 million, or 2.7%, from $241.3 million to ", "$234.7 million for the years ended December 31, 2002 and 2003, respectively. ", "The following table presents the components of net operating income for the years ended December 31, 2003", "and 2002:", "and 2002:", "YEAR ENDED ", "YEAR ENDED ", "YEAR ENDED", "YEAR ENDED", "APARTMENT HOMES ", "DECEMBER 31,", "DECEMBER 31, ", "CHANGE", "$", "%", "$ in thousands", "2003", "2002", "AT 12/31/03 ", "Property revenues", "Same store communities ", "41,153", "$", "350,560", "$", "354,151", "$ (3,591)", "(1.0) %", "Non-same store communities ", "3,420", "34,897", "24,661", "10,236", "41.5", "Development and lease-up communities ", "1,324", "7,569", "-", "7,569", "-", "Dispositions/other", "-", "630", "8,824", "(8,194)", "(92.9)", "Total property revenues ", "45,897", "393,656", "387,636", "6,020", "1.6", "Property expenses", "Same store communities ", "41,153", "141,339", "133,887", "7,452", "5.6", "Non-same store communities ", "3,420", "13,796", "9,601", "4,195", "43.7", "Development and lease-up communities ", "1,324", "3,396", "-", "3,396", "-", "Dispositions/other", "-", "422", "2,861", "(2,439)", "(85.2)", "Total property expenses ", "45,897", "158,953", "146,349", "12,604", "8.6", "Property net operating income", "Same store communities ", "41,153", "209,221", "220,264", "(11,043)", "(5.0)", "Non-same store communities ", "3,420", "21,101", "15,060", "6,041", "40.1", "Development and lease-up communities ", "1,324", "4,173", "-", "4,173", "-", "Dispositions/other", "-", "208", "5,963", "(5,755)", "(96.5)", "Total property net operating income ", "45,897", "$", "234,703", "$", "241,287", "$ (6,584)", "(2.7)%", "Same store communities are stabilized communities we have owned since January 1, 2002. Non-same store communities are stabilized communities we have acquired or developed ", "since January 1, 2002. Development and lease-up communities are non-stabilized communities we have developed or acquired after January 1, 2002. Dispositions represent", "communities we have sold since January 1, 2002, which are not included in discontinued operations.", "transforming", "62", "camden" ]

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[ "for that operation as part of a broader health services company. This divestiture has", "Third, we believe Edwards is sitting in the “sweet spot” in terms of its size and", "enabled us to increase our focus on our leading core franchises and on targeted", "position. We are large enough to fund the pursuit of many growth initiatives and", "growth investments, and was a critical step toward completing the first phase of", "introduce new products on a global basis. Yet, we are focused and sufficiently agile", "Edwards’ transformation.", "to capitalize on niche opportunities.", "As further evidence of our commitment to provide innovative solutions for", "Finally, as a reflection of Edwards’ pioneering spirit, we continue to look to the", "people fighting cardiovascular disease, in ", "2001", "we increased our research and", "future of advanced cardiovascular disease treatment. We are partnering with the", "development (R", "&", "D)", "spending by ", "16", "percent over the prior year, excluding divested", "cardiovascular community to focus on unmet clinical needs and the breakthrough", "operations, which exceeded our stated goal of at least ", "10", "percent annual growth. The", "ideas that will address them, with the goal of continuing to deliver innovative,", "&", "D investment is directed toward extending and defending our", "majority of our R", "differentiated cardiovascular products and technologies.", "core franchises, while a significant portion is devoted to our pursuit of promising", "2002", ", we have ambitious financial goals, including even stronger top-line", "For ", "6 ", "to", "9", "percent range – and net income growth of at least ", "25", "percent.", "new opportunities that address unmet clinical needs.", "growth – in the ", "2001", "we launched our enhanced Lifepath AAA", "Given our successful track record and the thoughtful, strategic planning on which", "Consistent with these efforts, in ", "Endovascular Graft System, an innovative, less-invasive treatment for patients with", "our aspirations are founded, our commitment to realizing our potential is clearly", "potentially life-threatening abdominal aortic aneurysms. We also introduced in the", "evident. As we go forward, we will be both highly disciplined and willing to try", "United States our Edwards Prima Plus stentless tissue heart valve, which comple-", "new things. Trust us to remain focused on growth.", "ments our market-leading tissue valve and repair franchise. Additionally, we", "I", "am proud to be part of Edwards Lifesciences and to speak on behalf of its", "launched an initiative to develop promising new therapies for treating peripheral", "Board of Directors, employees and trusted partners in the cardiovascular community.", "vascular disease using innovative stent technologies, as well as initiatives for treating", "The work we do is heartfelt, and it is making a positive difference in the lives of", "severe angina and cardiac arrhythmia. All of these efforts support the current phase", "cardiovascular disease patients and the clinicians who treat them. Yet, for all of ", "of our transformation, focused squarely on growth.", "our strengths and accomplishments, we remain keenly aware that we have a lot of ", "As we continue our transformation, we remain committed to delivering above-", "work ahead of us. Through it all, we will remain focused on the needs of patients,", "average bottom-line growth. Further, we plan to sustain our bottom-line growth by", "because, as our Credo states, “Helping Patients is Our Life’s Work, and Life is", "achieving our long-term aspiration of double-digit sales growth. Throughout our trans-", "Now.” We thank you, our shareholders, for your support.", "formation, we remain dedicated to delivering on our commitments to shareholders.", "Sincerely,", "Building for the Future", "Our confidence for the future rests on several key strengths. First, we have a strong", "portfolio of outstanding products and leading brands, a powerful global presence with", "sales in more than ", "80", "countries and a firm commitment to maximize the strength of", "our core franchises.", "Second, we have structured our organization to grow and thrive. Our company", "culture encourages engagement and innovation, and we have built in the flexibility", "Michael A. Mussallem", "to evaluate and pursue new strategic opportunities as they are brought forth by our", "Chairman ", "&", "Chief Executive Officer", "employees, partners and clinicians.", "6", "7", "Edwards Lifesciences Corporation", "Edwards Lifesciences Corporation" ]

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[ "to a Customer or a Reseller of the Vendor’s Products.” Under this", "2003", "2002", "2001", "consensus, generally, cash consideration is classified as a reduction", "1.8", "9%", "Risk-free interest rate", "3.58%", "4.57%", "of revenue, unless specific criteria are met regarding goods or", "2.70%", "Dividend yield", "2.92%", "3.30%", "25.75%", "Volatility", "29.71%", "28.21%", "services that the vendor may receive in return for this considera-", "3.00", "Average expected term (years)", "3.00", "3.08", "tion. Non-cash consideration is classified as a cost of sales.", "$4.75", "Fair value of options granted", "$6.67", "$5.05", "As a result of applying this consensus, the Company has reclassi-", "Derivatives and hedging transactions", "fied promotional payments to its customers and the cost of con-", "sumer coupons and other cash redemption offers from selling,", "The Company adopted SFAS No. 133 “Accounting for Derivative", "general, and administrative expense (SGA) to net sales. The", "Instruments and Hedging Activities” on January 1, 2001. This", "Company has reclassified the cost of promotional package inserts", "statement requires all derivative instruments to be recorded on the", "and other non-cash consideration from SGA to cost of goods sold.", "balance sheet at fair value and establishes criteria for designation", "Prior-period financial statements have been reclassified to comply", "and effectiveness of hedging relationships. Upon adoption, the", "with this guidance.", "Company reported a charge to earnings of $1.0 million (net of tax", "benefit of $.6 million) and a charge to other comprehensive in-", "Advertising", "come of $14.9 million (net of tax benefit of $8.6 million) in order", "The costs of advertising are generally expensed as incurred and", "to recognize the fair value of derivative instruments as either as-", "are classified within SGA.", "sets or liabilities on the balance sheet. The charge to earnings re-", "lates to the component of the derivative instruments’ net loss that", "Stock compensation", "has been excluded from the assessment of hedge effectiveness.", "The Company currently uses the intrinsic value method prescribed", "Refer to Note 12 for further information.", "by Accounting Principles Board Opinion No. 25 “Accounting for", "During April 2003, the FASB issued SFAS No. 149 “Amendment of", "Stock Issued to Employees,” to account for its employee stock op-", "Statement 133 on Derivative Instruments and Hedging Activities.”", "tions and other stock-based compensation. Under this method,", "This statement amends and clarifies financial accounting and re-", "because the exercise price of the Company’s employee stock op-", "porting guidance for derivative instruments and hedging activities,", "tions equals the market price of the underlying stock on the date", "resulting primarily from decisions reached by the FASB Derivatives", "of the grant, no compensation expense is recognized. The table", "Implementation Group subsequent to the original issuance of", "below presents pro forma results for the current and prior years, as", "SFAS No. 133. This Statement is generally effective prospectively", "if the Company had used the alternate fair value method of ac-", "for contracts and hedging relationships entered into after June 30,", "counting for stock-based compensation, prescribed by SFAS No.", "2003. The adoption of SFAS No. 149 has had minimal impact on", "123 “Accounting for Stock-Based Compensation” (as amended by", "the Company, except that cash flows associated with certain deriv-", "SFAS No. 148). Under this pro forma method, the fair value of", "atives are now being classified in the financing rather than the op-", "each option grant was estimated at the date of grant using the", "erating section of the cash flow statement. Such derivatives are", "Black-Scholes option-pricing model and was recognized over the", "generally limited to net investment hedges and those used by the", "vesting period, generally two years. Pricing model assumptions are", "Company to reduce volatility in the translation of foreign currency", "presented below. Refer to Note 8 for further information on the", "earnings to U.S. Dollars. The impact of this classification change", "Company’s stock compensation programs.", "during 2003 was insignificant.", "2003", "2002", "2001", "(millions, except per share data)", "Recently adopted pronouncements", "Stock-based compensation expense net of tax:", "$", "12.5", "As reported", "$", "10.7", "$", "5.4", "Exit activities", "$", "42.1", "Pro forma", "$", "52.8", "$", "29.1", "Net earnings:", "The Company has adopted SFAS No. 146 “Accounting for Costs", "$ 787.1", "As reported", "$7", "20.9", "$", "473.6", "Associated with Exit or Disposal Activities,” with respect to exit or", "$ 757.5", "Pro forma", "$6", "7", "8.8", "$ 449.9", "disposal activities initiated after December 31, 2002. This state-", "Basic net earnings per share:", "$", "1.93", "As reported", "$", "1.77", "$", "1.17", "ment is intended to achieve consistency in timing of recognition", "$", "1.86", "Pro forma", "$", "1.66", "$", "1.11", "between exit costs, such as one-time employee separation benefits", "Diluted net earnings per share:", "and contract termination payments, and all other costs. Under pre-", "$", "1.92", "As reported", "$", "1.75", "$", "1.16", "existing literature, certain costs associated with exit activities were", "$", "1.85", "Pro forma", "$", "1.65", "$", "1.10", "recognized when management committed to a plan. Under SFAS", "Earning", "Our", "Stripes", "36" ]

[ [ 374, 481, 593, 500 ] ]

[ 10 ]

[ "In the Americas" ]

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[ "MANAGEMENT’S DISCUSSION & ANALYSIS OF ", "FINANCIAL CONDITION AND RESULTS OF OPERATIONS", "While our newer, larger stores have lower sales per square", "We recognized a one-time non-cash, after-tax", "foot than older, smaller stores, they generate higher sales", "adjustment of approximately $5.7 million, or $0.05 per", "and operating income per store and create an improved", "diluted share, in the fourth quarter of 2004 to reflect ", "shopping environment that invites customers to shop", "the cumulative impact of a correction of our accounting", "longer and buy more. When our larger stores become the", "practices related to leased properties. Of the afore-", "majority of our store base, which we expect to occur by", "mentioned amount, approximately $1.2 million, or ", "the end of 2005, we believe our net sales per square foot", "$0.01 per diluted share, related to the current year. This", "will begin to rise.", "adjustment was made in light of the views, of the Office", "We must control our merchandise costs, inventory", "of the Chief Accountant of the Securities and Exchange", "levels and our general and administrative expenses.", "Commission, expressed in a letter of February 7, 2005, to", "Increases in these expenses could negatively impact our", "the American Institute of Certified Public Accountants", "operating results because we cannot pass on increased", "regarding the application of generally accepted", "expenses to our customers by increasing our merchandise-", "accounting principles to operating lease accounting", "selling price above the $1.00 price point.", "matters. Consistent with industry practices, in prior", "Our point-of-sale technology provides us with", "periods, we had reported straight-line expenses for leases", "valuable sales information to assist our buyers and to", "beginning on the earlier of the store opening date or the", "improve merchandise allocation to the stores. We ", "commencement date of the lease. This had the effect of", "believe that it will enable us to better control our", "excluding the pre-opening or build-out period of our", "inventory, which will result in more efficient distribution", "stores (generally 60 days) from the calculation of the", "and store operations. During the first half of fiscal 2004,", "period over which we expense rent. In addition, amounts", "we completed the rollout of our point-of-sale systems to", "received as tenant allowances or rent abatements were", "most of our stores. Due to the fact that this rollout is now", "reflected in the balance sheet as a reduction to store", "substantially complete, we expect our depreciation expense", "leasehold improvement costs instead of being classified ", "as a percentage of sales to be about flat for fiscal 2005 as", "as deferred lease credits. The adjustment made to correct", "compared to fiscal 2004.", "these practices does not affect historical or future net cash", "Our plans for fiscal 2005 operations anticipate", "flows or the timing of payments under related leases.", "comparable store net sales increases of flat to slightly", "Rather, this change affected the classification of costs on", "positive, net sales in the $3.4 to $3.5 billion range and", "the statement of operations and cash flows by increasing", "diluted earnings per share of $1.77 to $1.87. We also", "depreciation and decreasing rent expense, which is", "expect a shift in the seasonality of our earnings in 2005.", "included as cost of sales. In addition, fixed assets and", "For example, the Easter selling season is 16 days shorter", "deferred liabilities increased due to the net cumulative", "in the current year, impacting the first quarter of 2005,", "unamortized allowances and abatements. We believe that", "and there is an extra day between Thanksgiving and", "the new lease accounting practices will have a $0.01 per", "Christmas, which will impact the fourth quarter as", "diluted share effect on 2005 earnings.", "compared to the prior year.", "16", "DOLLAR TREE STORES, INC. • 2004 ANNUAL REPORT" ]

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[ "18 ", "Notes to Consolidated Financial Statements", "(dollars in thousands, except per share data)", "- continued - ", "The Company acquired the stock of Fabrica for $9,246 cash. The agreement provides for the", "payment of contingent consideration of $50,000 in 2003 if Fabrica’s cumulative gross sales for the", "period of April 1, 2000 through June 30, 2003 exceed certain levels. The Company believes this", "sales level should be reached, in which case the contingent consideration will become payable in", "April 2003. The agreement also provides for an additional contingent amount of up to $2,500 to be", "paid in April 2005 if Fabrica’s cumulative earnings before interest and taxes for the five-year period", "beginning January 1, 2000 exceed specified levels. The Company’s investment in Fabrica secures the", "seller’s right to any contingent consideration that becomes due. Any contingent amounts that may", "become payable under the agreement will be treated as an additional cost of the acquisition.", "In early 1999, the Company acquired the assets and assumed certain liabilities of Multitex", "Corporation of America, Inc. (\"Globaltex\"), a Dalton, Georgia carpet and carpet yarn producer, for", "approximately $30,964 cash, plus future payments keyed to revenue growth through fiscal 2003.", "Such payments have been $1,491, $1,561, and $252 for fiscal years ended 2001, 2000, and 1999,", "respectively and are accounted for as additional cost of the acquisition.", "The acquisitions of Fabrica and Globaltex were accounted for under the purchase method of", "accounting for business combinations and accordingly, the results of operations of Globaltex subse-", "quent to January 8, 1999, and Fabrica subsequent to June 30, 2000, are included in the Company’s", "consolidated financial statements. The purchase price of each acquisition was allocated to the net", "assets acquired based on their estimated fair market values. ", "A summary of net assets acquired (without adjustment for subsequent contingent payments) is as", "follows:", "FABRICA", "GLOBALTEX", "Current assets", "$ 11,947 ", "$ 18,462 ", "Property, plant, and equipment", "6,406 ", "21,459 ", "Other non-current assets", "291 ", "430 ", "Current liabilities", "(7,957)", "(9,387)", "Deferred taxes", "(708)", "– ", "Long-term debt", "(733)", "– ", "Net assets acquired", "$", "9,246 ", "$ 30,964 ", "The following unaudited pro forma summary presents the consolidated results of operations as if the", "acquisition of Fabrica had occurred at the beginning of the periods presented after giving effect to", "certain adjustments, including interest expense on debt to finance the acquisition, depreciation", "expense on adjusted fixed asset values and related income taxes. The pro forma results are presented", "for comparative purposes only and do not purport to be indicative of future results or the results that", "would have occurred had the acquisition taken place at the beginning of the periods presented.", "2000", "1999", "Net sales", "$", "593,890", "$", "642,040", "Net income (loss)", "(7,525)", "20,608", "Net income (loss) per share:", "Basic", "(0.66)", "1.81", "Diluted", "(0.66)", "1.76", "In the first quarter of 1999, the Company acquired Graphic Technologies, Inc., a carpet producer,", "for approximately $1,750 cash. This acquisition was accounted for as a purchase, and accordingly,", "/", "THE DIXIE GROUP ", "2001 ANNUAL REPORT" ]

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[ "20.", "Related Party Transactions", "This information is required by the Securities and Exchange Law of Japan.", "For the year ended March 31, 2003, the Company entered into the transactions with its affiliate as follows: ", "¥Related party:", "Fanuc Ltd.", "Common stock — ·69,014 million ", "", "", "The Company’s voting rights — 35.4%", "", "", "", "", "Relationship with the Company — 2 concurrent board members", "", "", "¥Transactions:", "The Company received Fanuc Ltd.’s self-tender off", "er and sold a part of its holding", "of Fanuc Ltd. shares to Fanuc Ltd.", "¥Transactions date:", "August 27, 2002", "¥Transactions amount:", "·78,473 million", "For the year ended March 31, 2004, there was no relevant transaction.", "21.", "Subsequent Events", "At the Board of Directors’ meeting held on May 17, 2004, the Co", "mpany and its subsidiary, Fujitsu Support and", "Service Inc. (“Fsas”) resolved to sign a share exchange agreeme", "nt, under the purpose of turning Fsas into a wholly", "owned subsidiary of the Company, in order to reorganize and strengthen the function of systems support and", "operational services in Japan within the Group.", "The exchange of shares is expected to take place on October 1, 2004. The share exchange ratio will be one share of", "Fsas for 2.72 shares of the Company’s common stock. The number ", "of new shares to be issued by the Company is", "68,054,400 shares of its common stock. The Company’s shareholdi", "ng of 32 million shares of Fsas common stock will", "not be exchanged.", "55" ]

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[ "TABLE 12", "Net Loans", "an", "d Acceptances – Segmented Information ", "($ millions)", "Total", "As at October 31", "2002", "2001", "2000", "1999", "1998", "Net Loans and Acceptances b", "y Province", "2002", "2001", "2000", "1999", "1998", "Atlantic provinces", "5,787", "4,644", "4,460", "4,137", "4,250", "Quebec", "14,376", "13,685", "14,602", "12,304", "11,714", "44,334", "38,741", "36,553", "35,370", "33,325", "Ontario", "51,115", "49,554", "43,794", "37,317", "34,421", "2,280", "1,527", "1,407", "1,160", "797", "Prairie provinces", "12,779", "13,365", "14,722", "13,941", "13,741", "21,164", "19,099", "18,033", "16,904", "16,086", "British Columbia and Territories", "14,708", "12,516", "13,120", "12,809", "12,915", "67,778", "59,367", "55,993", "53,434", "50,208", "Total net loans and acceptances i", "n Canada", "98,765", "93,764", "90,698", "80,508", "77,041", "Net Diversified Commercial L", "oans by Industry", "(d)", "Commercial mortgages", "7,591", "7,352", "6,616", "6,254", "5,626", "67,006", "71,287 71,004", "67,024", "59,907", "Commercial real estate", "3,592", "3,816", "3,100", "3,632", "3,601", "Construction (non-real estate)", "722", "931", "1,156", "1,782", "1,056", "15,664", "14,954", "16,308", "25,090", "27,520", "Retail trade", "3,039", "3,181", "3,092", "3,217", "2,556", "Wholesale trade", "2,884", "2,912", "2,976", "3,984", "3,912", "Agriculture", "2,693", "2,659", "2,475", "2,772", "2,471", "82,670", "86,241 87,312", "92,114", "87,427", "Communications", "2,724", "3,261", "3,079", "1,994", "2,200", "Manufacturing", "8,461", "10,994", "11,290", "10,922", "10,301", "328 ", "337", "222", "205", "288", "Mining", "495", "628", "794", "873", "1,068", "Oil and gas", "3,611", "4,023", "4,566", "5,090", "5,149", "Transportation", "1,303", "1,523", "1,717", "1,121", "1,172", "Utilities", "1,418", "1,590", "1,624", "1,279", "1,319", "150,776", "145,945 143,527", "145,753", "137,923", "Forest products", "981", "1,177", "1,378", "1,391", "1,223", "(1,180)", "(1,180)", "(1,080)", "(970)", "(885)", "Service industries", "6,680", "6,658", "6,871", "6,944", "6,600", "149,596", "144,765 142,447 144,783 137,038", "Financial institutions ", "16,836", "15,992", "14,730", "13,598", "9,468", "Other", "3,976", "4,590", "5,540", "2,171", "2,185", "Total net diversified commercial", "loans ", "67,006", "71,287", "71,004", "67,024", "59,907", "Total", "TABLE 13", "Net Impair", "ed Loans and Acceptances – Segmented Information ", "($ millions)", "2002", "2001", "2000", "1999", "1998", "As at October 31", "2002", "2001", "2000", "1999", "1998", "119", "126", "138", "129", "105", "Net Impaired Diversified Co", "mmercial Loan", "s (d)", "Commercial mortgages", "25", "39", "38", "19", "15", "49", "56", "48", "48", "34", "Commercial real estate", "16", "18", "26", "54", "122", "Construction (non-real estate)", "3", "47", "6", "3", "4", "168", "182", "186", "177", "139", "Retail trade", "51", "120", "48", "21", "17", "1,400", "1,063", "798", "537", "404", "Wholesale trade", "77", "47", "12", "7", "9", "—", "—", "—", "—", "—", "Agriculture", "24", "10", "18", "18", "15", "Communications", "429", "78", "19", "25", "23", "Manufacturing", "273", "126", "81", "48", "41", "1,568", "1,245", "984", "714", "543", "Mining", "9", "6", "—", "1", "1", "(1,180)", "(1,180)", "(1,080)", "(970)", "(885)", "Oil and gas", "71", "77", "102", "145", "37", "Transportation", "130", "167", "153", "61", "49", "Utilities", "162", "154", "1", "—", "—", "388", "65", "(96)", "(256)", "(342)", "Forest products", "23", "48", "55", "5", "20", "Service industries", "63", "102", "115", "127", "47", "Financial institutions ", "14", "25", "113", "23", "8", "Other (e)(f)", "30", "(1)", "11", "(20)", "(4)", "Total net impaired diversified co", "mmercial loans (b)", "1,400", "1,063", "798", "537", "404", "15.16", "14.17", "10.51", "8.53", "6.66", "TABLE 14", "Change", "in Impaired Loans and Allowances", "($ millions)", "0.26", "0.05", "(0.07)", "(0.18)", "(0.25)", "As at or for the year ended October 31", "2002", "2001", "2000", "1999", "1998", "Gross impaired loans and accept", "ances, beginning of year", "2,014", "1,501", "1,092", "824", "787", "0.25", "0.31", "0.33", "0.33", "0.28", "2.09", "1.49", "1.12", "0.80", "0.67", "Additions to impaired", "loans and acceptances", "1,945", "2,041", "1,106", "1,084", "621", "Reductions in impaired", "loans and acceptances (g)", "(738)", "(830)", "(446)", "(623)", "(389)", "Net new additions", "1,207", "1,211", "660", "461", "232", "Write-offs", "(884)", "(698)", "(251)", "(193)", "(195)", "Gross impaired loans and accept", "ances, end of year", "2,337", "2,014", "1,501", "1,092", "824", "Allowance for credit losses (ACL)", ", beginning of year", "1,949", "1,597", "1,348", "1,166", "1,145", "884", "950", "390", "290", "106", "Increases — specific allowance", "Increases — general allowance", "—", "100", "110", "85", "110", "Write-offs (h)", "(884)", "(698)", "(251)", "(193)", "(195)", "Allowance for credit losses (i)", "end of year", "1,949", "1,949", "1,597", "1,348", "1,166", "59", "BMO FINANCIAL GROUP ANNUAL REPORT 2002" ]