22   Management’s Discussion and Analysis of  Financial Condition and Results of Operations 50   Quantitative and Qualitative  Disclosures About Market Risk 54 Sector Statement of Income 55  Consolidated Statement of Income 56  Sector Balance Sheet 57  Consolidated Balance Sheet 58  Sector Statement of Cash Flows 59 Consolidated Statement of Cash Flows 60  Consolidated Statement of Stockholders’ Equity 61  Notes to the Financial Statements 92   Report of Independent Registered  Public Accounting Firm 93  Management’s Reports 94  Selected Financial Data 95  Employment Data FINANCIAL CONTENTS 2 1