Notes to Consolidated Financial Statements
    
N O T E  1 3  -  C o n c e n t r a t i o n  o f  C r e d i t  R i s k

Financial instruments that potentially subject the Company to a concentration of credit risk principally consist of cash and equivalents, short-term investments, and trade receivables. The Company's credit risk with respect to trade receivables is, in management's opinion, limited due to industry and geographic diversification. As disclosed on the balance sheet, the Company maintains an allowance for doubtful accounts to cover estimated credit losses.