The lender can also have the generator place a greater emphasis on a personal credit profile instead
of other credit factors; that is, they can opt for the personal credit profile to be considered as the highest determining factor when generating a score.
Not exact matches
Important
factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability
of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost
of accommodating, announced increases in the build rates
of certain aircraft; 6) the effect on aircraft demand and build rates
of changing customer preferences for business aircraft, including the effect
of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result
of global economic uncertainty or otherwise; 8) the effect
of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution
of key milestones such as the receipt
of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or
other third party approvals for the consummation
of our announced acquisition
of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our
other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability
of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and
other customers, and the risk
of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production
of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts
of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak
of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or
other security attacks, information technology failures, or
other disruptions; 16) returns on pension plan assets and the impact
of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition
of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and
other aerostructures suppliers; 19) the effect
of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect
of changes in tax law, such as the effect
of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations
of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect
of such changes; 21) any reduction in our
credit ratings; 22) our dependence on our suppliers, as well as the cost and availability
of raw materials and purchased components; 23) our ability to recruit and retain a critical mass
of highly - skilled employees and our relationships with the unions representing many
of our employees; 24) spending by the U.S. and
other governments on defense; 25) the possibility that our cash flows and our
credit facility may not be adequate for our additional capital needs or for payment
of interest on, and principal
of, our indebtedness; 26) our exposure under our revolving
credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness
of any interest rate hedging programs; 28) the effectiveness
of our internal control over financial reporting; 29) the outcome or impact
of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and
other cost savings; 32) our ability to consummate our announced acquisition
of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and
other business disruptions for ourselves and Asco as a result
of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks
of doing business internationally, including fluctuations in foreign current exchange rates, impositions
of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among
other things.
Business owners, then, should determine where they stand, and take control
of the
factors critical to the lenders,
credit card companies and even
other businesses they work with.
Such risks, uncertainties and
other factors include, without limitation: (1) the effect
of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels
of end market demand in construction and in both the commercial and defense segments
of the aerospace industry, levels
of air travel, financial condition
of commercial airlines, the impact
of weather conditions and natural disasters and the financial condition
of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization
of the anticipated benefits
of advanced technologies and new products and services; (3) the scope, nature, impact or timing
of acquisition and divestiture or restructuring activity, including the pending acquisition
of Rockwell Collins, including among
other things integration
of acquired businesses into United Technologies» existing businesses and realization
of synergies and opportunities for growth and innovation; (4) future timing and levels
of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability
of credit and
factors that may affect such availability, including
credit market conditions and our capital structure; (6) the timing and scope
of future repurchases
of United Technologies» common stock, which may be suspended at any time due to various
factors, including market conditions and the level
of other investing activities and uses
of cash, including in connection with the proposed acquisition
of Rockwell; (7) delays and disruption in delivery
of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and
other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits
of organizational changes; (11) the anticipated benefits
of diversification and balance
of operations across product lines, regions and industries; (12) the outcome
of legal proceedings, investigations and
other contingencies; (13) pension plan assumptions and future contributions; (14) the impact
of the negotiation
of collective bargaining agreements and labor disputes; (15) the effect
of changes in political conditions in the U.S. and
other countries in which United Technologies and Rockwell Collins operate, including the effect
of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect
of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act
of 2017), environmental, regulatory (including among
other things import / export) and
other laws and regulations in the U.S. and
other countries in which United Technologies and Rockwell Collins operate; (17) the ability
of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition
of conditions that could adversely affect the combined company or the expected benefits
of the merger) and to satisfy the
other conditions to the closing
of the pending acquisition on a timely basis or at all; (18) the occurrence
of events that may give rise to a right
of one or both
of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee
of $ 695 million to United Technologies or $ 50 million
of expense reimbursement; (19) negative effects
of the announcement or the completion
of the merger on the market price
of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation
of their businesses while the merger agreement is in effect; (21) risks relating to the value
of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or
other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability
of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
The outfit also reviews
other factors — including whether a company has a minimum monthly
credit volume
of $ 5,000 — before agreeing to provide a lump sum.
Among the
factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and
other factors beyond the Company's control, including natural and
other disasters or climate change affecting the operations
of the Company or its customers and suppliers; (2) the Company's
credit ratings and its cost
of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance
of new product offerings; (6) the availability and cost
of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and
other disasters and
other events); (7) the impact
of acquisitions, strategic alliances, divestitures, and
other unusual events resulting from portfolio management actions and
other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation
of a global enterprise resource planning (ERP) system, or security breaches and
other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
Results for the current quarter included positive revenue
of $ 3.4 billion, or $ 1.12 per diluted share, compared with negative revenue
of $ 731 million a year ago related to changes in Morgan Stanley's debt - related
credit spreads and
other credit factors (Debt Valuation Adjustment, DVA).2, 3
In addition to
factors previously disclosed in Tesla's and SolarCity's reports filed with the U.S. Securities and Exchange Commission (the «SEC») and those identified elsewhere in this document, the following
factors, among
others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet
other closing conditions to the transaction, including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay in closing the transaction; the ultimate outcome and results
of integrating the operations
of Tesla and SolarCity and the ultimate ability to realize synergies and
other benefits; business disruption following the transaction; the availability and access, in general,
of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and
credit facilities
of Tesla and SolarCity, any violation
of which, if not cured in a timely manner, could trigger a default
of other obligations under cross-default provisions.
The cost
of a private student loan will depend on your
credit score and
other factors.
During periods
of adverse changes in general economic, industry or competitive conditions, such as we experienced in calendar years 2008 and 2009, some
of our vendors may experience serious cash flow issues, reductions in available
credit from banks,
factors or
other financial institutions, or increases in the cost
of capital.
Notice that while most
of the
factors are similar to those used to calculate your personal
credit scores,
others are unique to business
credit scores.
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure
of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in
credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness
of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any
of which could impact what
credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and
other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in
other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.
One
of the
other major contributing
factors to
credit scores is the duration
of time your
credit accounts have been open.
Depending upon the nature
of the business need, a business»
credit profile, time in business, whether or not the business has adequate collateral, and
other factors, there are more options available today than ever before.
Performance
of companies in the financials sector may be adversely impacted by many
factors, including, among
others, government regulations, economic conditions,
credit rating downgrades, changes in interest rates, and decreased liquidity in
credit markets.
Depending upon the nature
of the business need, a business»
credit profile, time in business, whether or not the business has adequate collateral, and
other factors, there are more small business loan options available today than ever before.
We caution you that these statements are not guarantees
of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability
of capital to finance growth, and
other matters referred to under the heading «Risk
Factors» contained in our Annual Report on 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any
of which could cause actual results to differ materially from those expressed in or implied in this presentation.
Private student loan lenders make refinancing available to well - qualified borrowers, which means there is a review
of income,
credit history and score, and
other factors that show the borrower is a low risk to the lender.
Factors affecting the level of consumer spending for such discretionary items include general economic conditions, and other factors, such as consumer confidence in future economic conditions, fears of recession, the availability and cost of consumer credit, levels of unemployment, and tax
Factors affecting the level
of consumer spending for such discretionary items include general economic conditions, and
other factors, such as consumer confidence in future economic conditions, fears of recession, the availability and cost of consumer credit, levels of unemployment, and tax
factors, such as consumer confidence in future economic conditions, fears
of recession, the availability and cost
of consumer
credit, levels
of unemployment, and tax rates.
Factors affecting the level of spending for such discretionary items include general economic conditions and other factors such as consumer confidence in future economic conditions, fears of recession, the availability of consumer credit, levels of unemployment, tax rates and the cost of consumer
Factors affecting the level
of spending for such discretionary items include general economic conditions and
other factors such as consumer confidence in future economic conditions, fears of recession, the availability of consumer credit, levels of unemployment, tax rates and the cost of consumer
factors such as consumer confidence in future economic conditions, fears
of recession, the availability
of consumer
credit, levels
of unemployment, tax rates and the cost
of consumer
credit.
Since QE2 in November 2010, there have been two and half million new jobs created and I don't claim
credit for all those jobs, and
of course many
other factors are at work, but I think that it (monetary policy) has been constructive.
YOU SHALL NOT USE THE SERVICES AS A
FACTOR IN (1) ESTABLISHING AN INDIVIDUAL»S ELIGIBILITY FOR PERSONAL
CREDIT OR INSURANCE OR ASSESSING RISKS ASSOCIATED WITH EXISTING CONSUMER
CREDIT OBLIGATIONS, (2) EVALUATING AN INDIVIDUAL FOR EMPLOYMENT, PROMOTION, REASSIGNMENT OR RETENTION (INCLUDING BUT NOT LIMITED TO EMPLOYMENT
OF HOUSEHOLD WORKERS SUCH AS BABYSITTERS, CLEANING PERSONNEL, NANNIES, CONTRACTORS, AND
OTHER INDIVIDUALS), OR (3) ANY
OTHER PERSONAL BUSINESS TRANSACTION WITH ANOTHER INDIVIDUAL (INCLUDING, BUT NOT LIMITED TO, LEASING AN APARTMENT).
This is inaccurate, because there are
other factors which combine with
credit risk to make up the «spread premium» that
other types
of bonds have over treasuries.
Other specific
factors to have contributed to the CPI increase over the past year have been large increases in insurance and tobacco prices, much
of which were tax - related, and house purchase prices, which have been partly driven by strength in housing demand attempting to avoid the GST (and accommodated by easy
credit availability).
But they say there are
other problems, particularly around banks» verification
of borrowers incomes, scrutiny
of appraisals, and
other factors that have led to a tighter
credit box.
While the low level
of credit spreads in Australia (and in
other major bond markets) largely reflects favourable trading conditions for corporates, there is evidence that the search for yield has been a contributing
factor.
Gross Operating Income — This is simply the total
of all income generated from the property, after considering a reasonable vacancy and
credit loss
factor, as well as all
other additional income generated by the property.
Here are a list
of some
of the
other factors that can be included in the
credit spread for different types
of bonds in addition to
credit risk:
As usual, I don't place too much emphasis on this sort
of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion
of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and average bull, yet at higher valuations than most bulls have achieved, a flat yield curve with rising interest rate pressures, an extended period
of internal divergence as measured by breadth and
other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk
of an oncoming recession, which would become more
of a
factor if we observe a substantial widening
of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.
That element is the condition
of investor preferences toward risk, which we infer from the uniformity or divergence
of market internals,
credit spreads, and
other risk - sensitive
factors.
We also know that bank models for analyzing
credit ratings and
other performance
factors before approving or denying loans are out
of date.
Keep in mind that the funding amount, duration
of the
credit line, and repayment terms all depend on where your business stands in terms
of credit rating, history, revenue, and several
other factors.
Federal interest rates are set by law, so they have nothing to do with your income,
credit score or any
of the
other factors private lenders consider when determining your interest and fees rate.
I further understand that
Credit Karma will determine, in its sole discretion, when, how often, and with which participating providers it checks for pre-qualified offers based on criteria from each participating provider, availability
of information needed to identify prequalified offers and
other relevant
factors.
A variety
of factors — such as the outlook for economic growth and inflation, supply and demand for
credit, market sentiment, and
other factors beyond the Fed's control — impact long - term rates.
Instead
of the weights
of different types
of bonds, investors can hone in on exposure to
factors that drive portfolio performance, such as interest rate risk,
credit risk, and
others.
We caution you that these statements are not guarantees
of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability
of capital to finance growth, and
other matters referred to under the heading «Risk
Factors» contained in the Information Statement filed as an exhibit to our Annual Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any
of which could cause actual results to differ materially from those expressed in or implied in this presentation.
Although there are many
other factors, including
credit history and the amount
of available cash reserves, the maximum Debt - To - Income (DTI) ratio for a conventional loan is usually approximately 45 %.
Your rate is calculated based on a variety
of factors, including
credit qualifications, loan - to - value, loan amount and
other criteria, but will generally be about the same as
other fixed rate and adjustable rate mortgage loans.
Your rate is calculated based on a variety
of factors, including
credit qualifications, loan - to - value, loan amount and
other criteria.
Lots
of things don't
factor into the VantageScore model — or any
other credit scoring model, for that matter — including race, color, religion, nationality, gender, marital status, age, salary, occupation, title, employer, employment history, where you live, or even your total assets.
Your rate is calculated based on a variety
of factors, including
credit qualifications, loan - to - value, line loan amount and
other criteria, but generally may be higher than a conventional loan interest rates.
The company cautions you that these statements are not guarantees
of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability
of capital to finance growth, and
other matters referred to under the heading «Risk
Factors» contained in the company's most recent Annual Report on Form 10 - K filed with the U.S Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any
of which could cause actual results to differ materially from those expressed in or implied in this press release.
If you're one
of the thousands
of New York City residents suffering from damaged
credit scores due to the high cost
of living and
other factors, you're not alone.
These
factors — many
of which are beyond our control and the effects
of which can be difficult to predict — include:
credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and
other risks discussed in the risk sections
of our 2017 Annual Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness, information technology and cyber risk, regulatory change, technological innovation and new entrants, global environmental policy and climate change, changes in consumer behavior, the end
of quantitative easing, the business and economic conditions in the geographic regions in which we operate, the effects
of changes in government fiscal, monetary and
other policies, tax risk and transparency and environmental and social risk.
In order to determine the
credit worthiness
of an individual; financial institutions will consider your
credit history,
credit score and the amount involved among
other factors.
Examples
of these risks, uncertainties and
other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
factors include, but are not limited to the impact
of: adverse general economic and related
factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
factors, such as fluctuating or increasing levels
of unemployment, underemployment and the volatility
of fuel prices, declines in the securities and real estate markets, and perceptions
of these conditions that decrease the level
of disposable income
of consumers or consumer confidence; adverse events impacting the security
of travel, such as terrorist acts, armed conflict and threats thereof, acts
of piracy, and
other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or
other disturbances to our information technology and
other networks; the spread
of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or
other cruise operating costs; any impairment
of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount
of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion
of our assets pledged as collateral under our existing debt agreements and the ability
of our creditors to accelerate the repayment
of our indebtedness; volatility and disruptions in the global
credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty
credit risks, including those under our
credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss
of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain
other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price
of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times
of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and
other employee relation issues; the continued availability
of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and
other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
factors set forth under «Risk
Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Comm
Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
Among the
factors that could cause actual results and outcomes to differ materially from those contained in such forward - looking statements are the following: macro-economic conditions (including fluctuations in housing prices, oil markets, jobless rates and
other indicators),
credit market changes and constraints, foreign currency fluctuation, the company's ability to manage its property portfolio, the impact
of labor markets, failure to effectively manage costs or achieve anticipated expense and cost reductions, and disruptions in our supply chain or information technology systems.
Depending on your
credit and a wide variety
of other factors, loan providers will offer a wide variety
of interest rates on their loans.
The gene affects
credit - card debt the way
other genes have been found to play a role in breast cancer: a particular version
of the gene increases risk, but many
other genetic and environmental
factors are important, too.