. In November, 0000, the FASB issued ASU 0000-00, Financial Instruments-Credit Losses (Topic 000), Derivatives and Hedging (Topic 000), and Leases (Topic 000). The Update defers the effective date of ASU 0000-00 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 00, 0000, including interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company's financial statements. In 