INDEX TO FINANCIAL REVIEW Management’s Discussion and Analysis of Financial Condition and Results of Operations 13 Statement of Management’s Responsibility for Financial Statements 23 Report of Independent Accountants 23 Consolidated Statements of Financial Position 24 Consolidated Statements of Operations 25 Consolidated Statements of Stockholders’ Equity 26 Consolidated Statements of Cash Flows 27 Notes to Consolidated Financial Statements 28 Unaudited Quarterly Financial Data 39 Selected Consolidated Financial Data 40 Directors and Officers/Corporate Information 41