Management’s Discussion and Analysis of Financial Condition and Results of Operations

Overview
Critical Accounting Policies
Business Outlook
Results of Operations
Consolidated Results in Fiscal Year 2007 Compared With Fiscal Year 2006
Consolidated Results in Fiscal Year 2006 Compared With Fiscal Year 2005
Liquidity and Capital Resources
Contracts and Commitments
Off-Balance Sheet Arrangements
New Accounting Pronouncements
Quantitative and Qualitative Disclosures About Market Risk
Performance