nt, labor and healthcare costs, access to credit, consumer confidence, and other macroeconomic factors affecting consumer spending behavior. These and other economic factors could materially adversely affect demand for pany’s products and services. In the event of financial turmoil affecting the banking system and financial markets, additional consolidation of the financial services industry, or significant financial service institution failures, there could be a new or incremental tightening in the credit markets, low liquidity, and extreme volatility in fixed e, credit, currency, and equity markets. This could have a number of effects on pany’s business, including the insolvency or financial instability of outsourcing partners or suppliers or their inability to obtain credit to finance 9
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