With the day - to - day
uncertainties of business management, liability insurance is something you can not do without.
Not exact matches
Certain statements in this press release regarding the Company's expected future shipment volumes, gross margins,
business prospects and future quarterly or annual results, particularly the management quotations and the statements in the «Business Outlook» section, are forward - looking statements that involve a number of risks and uncertainties that could cause actual results to differ mat
business prospects and future quarterly or annual results, particularly the
management quotations and the statements in the «
Business Outlook» section, are forward - looking statements that involve a number of risks and uncertainties that could cause actual results to differ mat
Business Outlook» section, are forward - looking statements that involve a number
of risks and
uncertainties that could cause actual results to differ materially.
Such risks and
uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact
of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits
of such transactions, including with respect to the Merger; the substantial level
of government regulation over our
business and the potential effects
of new laws or regulations or changes in existing laws or regulations; the outcome
of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments;
uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security
of our information technology and other
business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts
of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits
of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration
of the
businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion
of management's attention from ongoing
business operations and opportunities during the pendency
of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability
of financing, including relating to the proposed Merger; effects on the
businesses as a result
of uncertainty surrounding the proposed Merger; as well as more specific risks and
uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section
of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section
of www.express-scripts.com.
Risks and
uncertainties related to the proposed spin - off include: NHF's and NXRT's ability to obtain all necessary consents and approvals and satisfy all conditions to the spin - off; the ability to expand the real estate
business following the spin - off; and the potential diversion
of management's attention from traditional
business concerns.
With
uncertainty as a guaranteed constant in the lifetime
of a
business, implementing robust risk
management is a key element
of a company's ability to adapt and thrive.
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 Commission.
Raz and his colleagues Cheryl Dreuhl, professor at George Mason University School
of Management, and Vered Blass, professor at The Leon Recanati Graduate School
of Business Administration at Tel Aviv University, approached this research using the newsvendor model, a methodology that captures demand
uncertainty, thus differentiating between functional and innovative products.
Commercial organisations becoming increasingly aware that the value
of in - house lawyers is not only in reducing total legal spending, especially in times
of recession and financial
uncertainty, but in accelerating
business decision - making, improving
management choices, and reducing risk.