TABLE OF CONTENTS Note about Forward-Looking Statements 1 PART I 2 Item 1. Business 2 Item 1A. Risk Factors 10 Item 1B. Unresolved Staff Comments 23 Item 2. Properties 24 Item 3. Legal Proceedings 25 Item 4. Mine Safety Disclosures 25 Information About our Executive Officers 26 PART II 27 Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 27 Item 6. Selected Financial Data 28 Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations 30 Item 7A. Quantitative and Qualitative Disclosures about Market Risk 44 Report of Independent Registered Public Accounting Firm 46 Item 8. Financial Statements and Supplementary Data 49 Consolidated Statements of Income 49 Consolidated Statements of Comprehensive Income 50 Consolidated Balance Sheets 51 Consolidated Statements of Shareholders' Equity 52 Consolidated Statements of Cash Flows 53 Notes to Consolidated Financial Statements 54 Supplementary Financial Information 91 Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 92 Item 9A. Controls and Procedures 92 Item 9B. Other Information 94 PART III 95 Item 10. Directors, Executive Officers and Corporate Governance 95 Item 11. Executive Compensation 95 Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 95 Item 13. Certain Relationships and Related Transactions, and Director Independence 95 Item 14. Principal Accounting Fees and Services 95 PART IV 96 Item 15. Exhibits and Financial Statement Schedules 96 SCHEDULE II - VALUATION AND QUALIFYING ACCOUNTS 101 Item 16. Form 10-K Summary 102 Signatures 103