
	INCOME TAXES

The 2016 income tax provisions reflect tax rates of 36.7% in the quarter and 37.2% year-to-date, compared with 37.9% and 36.8%, respectively, in 2015. The major components of the year-over-year change in tax rates were an increase in the Company’s state tax rate and the timing and amounts of gains or losses on insurance products used to fund certain non-qualified retirement plans which are excluded from taxable income. The final annual tax rate cannot be determined until the end of the fiscal year; therefore, the actual 2016 rate could differ from our current estimates.

We file income tax returns in the United States and all state and local jurisdictions in which we operate that impose an income tax. The federal statute of limitations has not expired for fiscal years 2012 and forward. The statutes of limitations for California and Texas, which constitute the Company’s major state tax jurisdictions, have not expired for fiscal years 2011 and forward.