EXHIBIT 99.1
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                            EXPLANATION OF RESPONSES
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Footnotes:
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(1)  Jeffrey L. Gendell ("Mr. Gendell") is the managing member of Tontine
     Capital Overseas GP, L.L.C., a Delaware limited liability company ("TCO"),
     the general partner of Tontine Capital Overseas Master Fund, L.P., a Cayman
     Islands limited partnership ("TMF"). Mr. Gendell is the managing member of
     Tontine Capital Management, L.L.C. ("TCM"), a Delaware limited liability
     company, the general partner of Tontine Capital Partners, L.P., a Delaware
     limited partnership ("TCP"). Mr. Gendell is the managing member of Tontine
     Management, L.L.C. ("TM"), a Delaware limited liability company, the
     general partner of Tontine Partners, L.P., a Delaware limited partnership
     ("TP"). Mr. Gendell is also the managing member of Tontine Overseas
     Associates, L.L.C., a Delaware limited liability company ("TOA"), the
     investment adviser to Tontine Overseas Fund, Ltd., a Cayman Islands
     corporation ("TOF"). Mr. Gendell directly owns 7,916 shares of Common
     Stock. TMF directly owns 1,115,237 shares of Common Stock. TCP directly
     owns 3,023,691 shares of Common Stock. TP directly owns 1,945,992 shares of
     Common Stock. TOF directly owns 1,269,773 shares of Common Stock. All of
     the foregoing shares of Common Stock may be deemed to be beneficially owned
     by Mr. Gendell. Mr. Gendell disclaims beneficial ownership of the Issuer's
     securities reported herein for purposes of Section 16(a) under the
     Securities Exchange Act of 1934, as amended, or otherwise, except as to
     securities directly owned by Mr. Gendell or representing Mr. Gendell's pro
     rata interest in, and interest in the profits of, TCO, TMF, TCM, TCP, TP,
     TM, TOA and TOF.

(2)  TOF purchased 1,102,059 shares of Common Stock and TMF purchased 798,043
     shares of Common Stock.