0000885550-12-000056.txt : 20121101 0000885550-12-000056.hdr.sgml : 20121101 20120720160315 ACCESSION NUMBER: 0000885550-12-000056 CONFORMED SUBMISSION TYPE: CORRESP PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20120720 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CREDIT ACCEPTANCE CORP CENTRAL INDEX KEY: 0000885550 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 381999511 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 25505 WEST TWELVE MILE ROAD CITY: SOUTHFIELD STATE: MI ZIP: 48034-8334 BUSINESS PHONE: 2483532700 MAIL ADDRESS: STREET 1: 25505 WEST TWELVE MILE ROAD CITY: SOUTHFIELD STATE: MI ZIP: 48034-8334 FORMER COMPANY: FORMER CONFORMED NAME: CREDIT ACCEPTANCE CORPORATION DATE OF NAME CHANGE: 19930328 CORRESP 1 filename1.htm cacc_072012comment.htm GRAPHIC
 
 
July 20, 2012
Mr. Christian Windsor
Special Counsel
Division of Corporation Finance
U.S. Securities & Exchange Commission
100 F Street, NE
Washington, D.C. 20549
 
Re:
Credit Acceptance Corporation
 
Form 10-K
 
Filed February 24, 2012
Response Dated April 24, 2012
File No. 0-20202
   
 
Dear Mr. Windsor:
 
This letter is in response to the Staff’s July 9, 2012 comment letter to Credit Acceptance Corporation (the “Company”) with respect to the Company's above referenced filing and the Company’s response, dated April 24, 2012, to the Staff’s comment letter, dated April 17, 2012.
 
Set forth below in bold is the comment from the July 9, 2012 comment letter followed by the Company’s response.
 
Annual Report on Form 10-K for the Fiscal Year Ended December 31, 2011
 
Failure to properly safeguard confidential consumer information could subject us to liability, decrease our profitability and damage our reputation, page 21
Our Operations are Dependent on Technology, page 21
 
 
1.  
In your response to prior comment 1, you indicate that you have not suffered any cyber attacks that have had a material impact on your operations or caused you to incur material expenses. Based on your response, it appears that you may have experienced cybersecurity incidents that have not been material to your business or results of operations. If true, beginning with your next Form 10-Q, please confirm that you will simply state this fact so that investors are able to evaluate the risks in the appropriate context.
 
The Company confirms that it will disclose in its next Form 10-Q the fact that, to date, the Company has experienced cybersecurity incidents that have not been material to its business or results of operations.

If you have any questions concerning the foregoing, please contact me at (248) 353-2700 ext. 4575.
 
 
Sincerely,
 
 
/s/ Kenneth S. Booth                                                                
Kenneth S. Booth
Chief Financial Officer
Credit Acceptance Corporation
 
 
cc:           Jessica Livingston, Division of Corporation Finance, U.S. Securities and Exchange Commission

GRAPHIC 2 cacc_072012.jpg GRAPHIC begin 644 cacc_072012.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_X0!F17AI9@``24DJ``@````$`!H!!0`! M````/@```!L!!0`!````1@```"@!`P`!`````@```#$!`@`0````3@`````` M``!@`````0```&`````!````4&%I;G0N3D54('8U+C`P`/_;`$,``@$!`0$! M`@$!`0("`@("!`,"`@("!00$`P0&!08&!@4&!@8'"0@&!PD'!@8("P@)"@H* M"@H&"`L,"PH,"0H*"O_;`$,!`@("`@("!0,#!0H'!@<*"@H*"@H*"@H*"@H* M"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"O_``!$(`%P` M\`,!(@`"$0$#$0'_Q``?```!!0$!`0$!`0```````````0(#!`4&!P@)"@O_ MQ`"U$``"`0,#`@0#!04$!````7T!`@,`!!$%$B$Q008346$'(G$4,H&1H0@C M0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I*C0U-CH.$A8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJ MLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X M^?K_Q``?`0`#`0$!`0$!`0$!`````````0(#!`4&!P@)"@O_Q`"U$0`"`0($ M!`,$!P4$!``!`G<``0(#$00%(3$&$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B M7J"@X2%AH>(B8J2DY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>X MN;K"P\3%QL?(RKR\_3U]O?X^?K_V@`,`P$` M`A$#$0`_`/WTHHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBOB[ M_@I;_P`%>-9_8!^/WPW_`&:_`/[&OB_XP^*_B9I6H7NBZ3X/U!([@"T*F11& MT;F0["SY&,!#0!]HT5^;/_#\+]OD]/\`@WS_`&B/^_B__(U'_#\']OK_`*5\ M_P!HC_OXG_R-0!^DU%?FS_P_!_;Z[_\`!OG^T1_W\7_Y&K8_9V_X+L_$#XE_ MMB^#OV/?VB_^";'Q%^"FH^---O[_`$W5O'FJQ1Q?9[2%Y99-AA0LHV8+9`&> M:`/T.KQ[]J_]OK]D+]B31K;5?VF_CSX=\*/J"R_V98ZGJ")<7C(A>$]1^,7Q8UJSGM++Q%X-C&H:=HL MQ7:)X_)67[:\;-DJHV*4.YN,5P/_``2"_P""(\GQ2\5WO[7W_!1/3]-^)'BI M=6"P3^-]&U2XENOW4C2R/'J+Q;'$LNW:UN8@L:F/.0Y`/HKP)^V7_P`%,O\` M@ISHUOXX_8A^&=G\%/AC='&D?$'X@)#>:GJL@(/GPV*Q31/9E2<-O4LP&)%` M(/UQ\!OV6X_A;X*TWP_\2/B=XB\?ZIIM[]M@UOQ3J333).>6"D8^0.S;5;(4 M;1_"*]+\-^&O#_@[0;3POX4T6VTW3;"!8;*PLH1'%!&HPJ(J@!5`Z`<"KU`` M!CC-%%%`!1110`4444`%%%>3?MS_`+7GPZ_8/_91\:?M7_%(L^D^$-*-Q]DC M?#WEP[K%;VR'^])-)&@/;=GH*`/2/%7C#PEX&T>7Q%XU\3Z?I&GPC,U]J=XD M$,?U=R`/SKSO1_VY_P!C'7]0CTK1?VJOA]*?!V@^)Y=&^&/PLN79O#ME.B1S2S M_8V)CF\I9HD5I`Q=MY8DH,?L+XB^`_P0\6>$I?`?B?X0>&-0T2:`PRZ3>:#; MR6S1D8VF-D*XQVQ0!T=MK&DWDZVMIJ4$LKP"=(XY@6:(G`<`'E2>_2K-?"_[ M%/[`/BW]B+_@IY\1-0\!ZOXEO/@YXJ^%=I)X.TW5=2FN[/PO>1:BQN-,M6E9 MA%$QD:=8QT#L!PM?;;>(_#Z:PGAU]=LQJ$D!FCL3-/ MB5\.OAO9QZC\1/'VBZ!;RMMCGUK58;5';T#2LH)H`VZ*IZ'XB\/^*-+BUOPS MKMGJ-E.,PW=C\U"Z2&*,> MK.Y`'XF@#!^)_P`=?@I\%+#^U/C#\6_#?A:W,9<2^(-;@LPRCJ1YK+D?2K?P MS^*WPU^,_@2Q^*'PD\=:7XD\.:FCMIVMZ->+<6MRJ.R,R2(2K`,K#(/4&O@' M_@XR\!_LL_M&?\$@OBW\:;72O!OB[6_!VCVD_AWQ5I_V6\N=,E_M"V5EBN4W M-&&5W#*&`.XY%=Y_P;M65KJG_!$WX):=>*6AN/#-Y%*JM@E6OKD$9'(XH`^N MOAM\;?@[\8VU)?A/\4=`\2G1KYK/5QH6K177V*X7K%+Y;'8X]#@UU%?)7_!- M#_@E;^QA_P`$R?$OQ!LOV7O%^L7^I>,K^*^\06>N>(8KR6QC4OY42)&JE(P7 M?#.&<]V.*Z/7_P#@IU^SZG_!0;PI_P`$Y_`VOV>O^--6TO4=2\3_`&&\#)H% MO;0&1$E*@@S2-@>7D%5!8XR`0#Z2K\G/^"R7QDC_`&>?^"VO[)7QOE\&ZMXA M'ACX<^.]071-"M'GN[YDT^0B*-$!+$G`X!P,G'%?K$CI(NZ-PP]0:_-/_@H& MN_\`X.+OV'5(!!\*>-,@]_\`0)*`/AKP7_P=U_M?>!/VF(]0_:O_`&6(/#GP MPENI8[K0K32YAJUM)';`&))9C&#^^9&.Y,A6`]Z_(]'MXEFD81N%AN,E?/A#-O",Z@,,@C)S^)'_!M M;_P5"\#?\$X/VN/&W[*_[0GQ&TK2?AIXC2Z)\1W3J(+?4[-F\F9W1V1$DB\Q M2<94@GF_^"M'_``5N\=?\%E?VLM(^"OP'U_XD>&/A M+IB+'K&E:0)]3^V,C[9+\V-AGS5&[:F6$]5\1P^%_B+X>@^UZ5+;12>3YT9!7S-RI,N55XR0"`RD MT`?;'_!N]_P0;^(W_!.S3KK]HK]HGQ0UOXY\4Z*EG=>%[.9)8+"U,AE,4A@;B,`!3;< M`9-?LS^V3^RM\,_VW/V9/&'[+7Q>M'ET'QCI+6ET\./,MY`RR0SQD]'CE2.1 M?=10!\4?\&GMUH-Q_P`$8/!$>BE/-B\3Z\FH[<9$_P!ND;YO?88S]"*_22OQ M,_X)467[67_!N]\2?&/[(7[;'PM\0Z[\"/%&OMJWA7XN^#=#N-1T[2[MD2$M M=K"K26R2Q11;PP^1T&-P8M7Z@R_\%*_V#'\.)XDT7]JKP;K`F3-KIN@:NE_J M%RV.(X[.WWSNYZ;`A.>U`'KVLZEX4O[_`/X5[J^JVOVS5=.N)$TQKH)//;+L MCE=5!#%5,T:EA]TR+R"17X+:M^R[HOPZ_P"#JN;]EWX,ZSJ?AKP9XY\%++XJ ML['5[@S2:>]A]HN;:*9W,D0FDMD5F5MP263:5)!'W?\`LQ>,/VR/CG_P5XU3 M]KKXS?`/Q%X#^"T7P2U/1_AROB6W\F[41ZCI\UQ?\`!TYI'[8-MIWB-_A99^$AH3C9Y MCA-_W<]\ISW2FR@^UV\8`G_'7Q'\27IL?&FK^(]#^S:9ID+B)+"RMK^X5K6-95F)V(H;,Z)K(R8EF5XKNTF..2GFQQ,>, M[?LY>#-8\:^&6@GD\1_$:UMGM]#T]0A MV0PW$J@7T[N57RX=P1=S,XP%;\M/V+_A#XU_X-]?^"M?Q4NOCSX0UC_AGWXU MY_X1[XF:;II>'+A;ZP>>2,2A=1N&`+1L MK`9`/6N:_P""W?[3W@O]L3_@F1\4/V?OV'[V+XK:WK_A\7&IW/@YOMEEH]A: M2)>SRW-PF8XY&2W*1P[O,=W`"X!(QO\`@W5_;4^''A+_`().>$/A]\6?"?B_ MP?)\-=+N(]/^#5?PKI7 M@']O_P#;0^'GA]94TSP_XP?3=,AEF:0Q6\&JW\4:[F))PJ*,DYXKC/"O[(_[ M,M__`,'=7BG]GR\^!_AV3P2/`QO?^$8;3E^Q_:&T.VF:7R^FXR.SD]V8FNB_ MX-P?B;HWPR_X*0_M1Z[\4_#_`(C\+6/Q:\:7%]X`OO$7A>]M(=6CDU6[D14D MDB"ARDR$*Q&<^QK9_:!U7_AA_P#X.OHOVN_VD-,O_#WPR\:>"HK+2/&]Q82M MIRS'1XK4K),JE4*S0E6!Y`96/!S0!^SOPN^%/PW^"?@BS^&WPE\%Z?X>T#3S M(;+2=+@$4$!DD:1]JCIN=F8^[&OSS_X*`_\`*Q?^P[_V*GC7_P!()*^M#_P4 M>_973X(>-OVE;_QM-I_P]\$QN9O&>JV;VMAJQ6(.PL'EVF[&XB(%`0\GRJ6( MK\M_VP_^"C&@^(_VW_V$O^"KVL?!'QM<^"9?`7BR^O\`3O">AR:I=VD=QYEI M`I"!5W,2C$$C`SC..0#]NM0@M[JQFMKM"T4D;+(HZE2,$?E7\2?[??PB\`:7 M_P`%#_'_`,'OV8M)U^71KOQ]/9^&=-UNQE@OB\]QB.W,4H\P$-((QO&\X!/) MK^DP_P#!T)^Q,.G[,?[177_HE$G_`,>KY#\8?M:?\&^OCC]K23]M?7/^"RZC'JN7"6,]S)+#)!;@1F,/!`80VUD/F2-N8 M[55:ZG]N?`_X.+?V/L#'_%O_`!1_Z+DH'_!T)^Q,!C_AF/\`:*/_`'2B7_X] M7@%O^WGX;_X*6?\`!OC7XR_%'_`(*#_"[_`()E M:S\1M#^,.IP0_#_Q(?B9HVEB+PMIX>WLHTM[N031B603W1W`;CF/:ILB76+1XA?P$CC]Z&1 MV'0BX;CJ*_HP_9@^/_@G]JK]G?P5^T=\.KU)]%\:>&K35K(HP)C$T2LT3>CH MQ9&'4,A':ORD_P""\'@'_@H;_P`%'?V%]4\'>+_^"2.K^%[_`,%77_"1Z3XG M/Q6T&_:Q2!&-RH@AE\V0/!O&U,DLJX!Z5SW_``9M?M\MX_\`@3XO_8&\>:T6 MU3P1=G6O!\@BGPWTN/:@#]KM:UG1_#ND7.O>(=3MK&PLH& MFO+V[F6.*"-1EG=F("J`"23P!7PWX-_X+2_#;]HKXKZW\,_^":7[)_BCXZ3: M#)Y?B#QEHDUKH_AZVN-,7XG:A=7/B:YM)C&\^GV8C_P!&R.=CRRH6'<1@'@D'[-_X-_/V M7G[UI'(Y8A"B#/18U':@ M#B=?_P""\^B_L]?M9^%/V._^"@/[('BCX/Z_XWDMH_#.N0Z_:ZYH]T9YA`F; MB%8V4"0A6/EG;G)P,$_8W[27[3WP%_9#^$NH_'#]H[XEZ9X4\,Z6F;C4-3FV M[W/W8HT'S2R,>%1`6/85/\5/V:OV?/CEXF\-^,_C)\%?#'BC5_!VHB_\*ZEK MNBPW4^DW((82V[R*3&P95;(QRJGJ!C^>+_@XK_:%\9?MQ?\`!;WP+_P3KU3Q M#<0>!O"'B?0M"_LM)2(9+W4C:R7-RZCAG\N:.,$_="G&,G(!^NWP=_X*T_'O M]KOPRWQ._8F_X)H^./%W@:1V&E>,?&?BFQ\,V^KHI_UMI',LTLL9'1RJJ3P# MUPO["'_!:KX#_MS?M*^*?V'/'OP,\3_#?XM^$?M3:MX+\6Q07,<@MF59C#<1 M$I)MWJPRJ[E.YWA0 M1QQJHX`"J``/2N6A_9X_9R\%_%O5_P!J6P^#'ABQ\2W"EG_P!`""-Y`H/[I9V8GY1D\5^$G_!*OXI_ MM7_\%7?^"]6N_M8^#]2\(7OBW2--U3Q-H%K\2(KNYTW3K*)XK2U@1+=ED5HE MNHRF"`&4L1FOWFETW_@MF\31_P#"5?LP_,",_P!A^(#_`.W%`#OV3?\`@K5^ MQO\`MA?LX:[\=/V:H?$'B(^%?+C\2_#[1/#3S>(=.FD?8L36$>7;)#?,N5(1 MSGY6Q\]_#/\`X.>_V+OB!^V'/^R9K?PG\;>!(M&M=5F\5^)_B':PZ5%HQL;: M69XI+8LTQD9HQ&$(5MS@`$G%<=_P25_X(+?M>?\`!/;_`(*&>(_VS/'W[2O@ MS4M&\8VNIKXE\+>%M/N[>.:2YE\^/8LORA(Y.5!)('U-?GY\>?A1X'^)_P#P M>%0_#GQAHL-WH^I?%+3;G4+&6,&.X:+2X[D*Z]&4O$N0>M`'[(ZK_P`%,OVR M?%NC?\)]^SE_P2(^)/B[PC*GFZ=JVO\`BW3=`O-1@QE9H+&X+S;&7!7S?+9@ M>G3,/[#7_!;[]CC]NSXI7W[,'B7PYKOPT^*VFRNE[\,_B9IJ6MZTL?WTB))2 M5UZ[,A]N6VX!(^UHT6.-8XU"JJ@*H["OYU/^#P?X:I^SE^W#\&?VTO@U-K>YW+@F0)(%W=2$4=A0![G_`,'DO[.SV_[+/AK] MI:?XQ^,)@GC6QT6R\$-J:KH=HC6MP[SI;J@)F9HE.]F;`)`P.*]W_P""'O[$ M/C_QM_P3'^!/Q1L?V\_C/H=G=>&(;M?">CZS9)IL"K`/"=BMQJ5_YDODH^'9$B5I,JK.PR0V,[6Q'X\_;)_X*%^#O!5SX M_P!._P""55YJMI:VC7,ND6OQ=T_^U2@7<56W6W:-Y,?P"4Y/`S77_'+_`()K M_L7_`!^_:D\'?MK_`!D^$]OJ7CWX?0(GA_6I[V5(X5B=Y8C)$&"2>6[NZEAP M3WP,8GQ*_P""H_P#TWQ9=_"+]FW1M;^-WCZU;9/X5^&5NMW'9/T_TR_=EL[( M>HEE#=]I%`'/_P#!+'_@LE^RO_P5@\+ZU=?!6VU?0?$OA@I_PD?@WQ)$B7MF MCDJLH,;,LD98%=P/!&"`2*XW_@IK_P`%X/@=_P`$PI9;7XK_`+,WQ=U9C>FR MT[5K7PF;72+^Y$8?9#?W#+%)QG.S4&7Y7\LLZAAP>HX-?>/_!X5IUK=_P#!)9+V M>)6DM/B5I#PL5R5)6="1Z<,:`/ICP5_P5P\'?&?X0^"/%G[,_P"SYXN^)GC' MQEX+L/$=SX'\)S6Y'AVWNXA)&NHWT[1V]J2=P52?,?RV*QD5X3\>_P#@XG\0 M?L,_%30?`O\`P49_X)N_$#X4:)XEE9=)\7V7B2RURR=5QO),"H,KD%D4LX!! MVD5U/_!KS\-?"7@K_@C7\,/%>AZ6D>H^*VU+4-;O2N9+F5+^XMH]S=2$B@C1 M1V`P*\H_X/&/"^AZK_P2HTWQ+?6,;WFD_$[2_L,[("T0EBN$<`]L@#/T%`'Z MB_#?XC^"/B]X`T;XI?#;Q';:OX?\0:;#?Z/JEG)NBNK>5`Z2*?0J0?T-?)7Q M?_X+:_L^Z/\`M%S?L=_LG_#CQ1\>OBE9[_[6\.?#I86M-)"$!VO+^9U@@520 M&.6VDA3\W%?`.F_MT_$[]C7_`(-%_`_Q+^'?B&ZL_%.O0?\`"(^']4AF*R6/ MVB]N@\B,.59+>*;:1T;;Z5Z=_P`&;?[/7A#PI^P!XI_:;EL(YO$_CKQ[=VEW MJU`'NW[4W_!-;'7X;6;;OV7$<:0M&VP,P`+%@C;=V*^N?B%^VA^S-\ M)_V9X?VO_B3\6=,T7X>W&B0:K;^(+^0HDUO/&KP[$(WO(X8!8U!8DX`S71_& MSX!?!+]I+P-)\,_C_P#"?P_XR\/2SI.^C>)-*BO+C=1DU_.O M_P`'4_[17C/XU_\`!1'X??\`!-+X>W,6C>"O!-II5K::':9ALGU"_,85WC3` MVQ0F)$`^X"^W&XT`?L;\$O\`@IY^T'^UWX/'Q=_8\_X)V^)?$'@*Z9CHGBOQ MOXRL_#HUN$$@3VEN\<\CQ-CY7D$8/;UJ?]FO_@LU\`?C!^TY>_L._''P'XB^ M#GQFLS^Z\#^.?)VZF"NY7LKN%VBN59 M_P#!07]L'PI^VOXL_:B^#G@WQ=X.TFQL=&?P?HNJ1*OV2[FNHIF:5G9I-\[# M.[&U5':@#WK_`(.!/V[?`WPW^%7A/_@G_P"$_BOIVE>./CWXRTWPKJ;B^5)- M$\/W4ZQ7U[*<_N@481+NQN\UB.%-??OPV\"^$OA?\/\`1/AMX"TV*ST70=)M M[#2K6$`+%;Q1JD:C''W5%?.,O_!$'_@DY<3R75_^PKX$NYY6S+<7E@\TCGU+ MNY8GWS7M'[/'[*_[/_[)_A>Z\$_L[_#*Q\*Z3>77VBXT_3FD,;2[0NX!V;;P M`,#`H`[R\M;2_M9+&^@26&=#'+%(H*NI&"I!Z@C/%?R7^,/BAIO_``0U_P"# MAOQ+XN^%FJ_:?"/A'XB7"7UC93;P^A:@N^:R8*>6ACG*@'H\"'&17]5WQB^# M7PU^/O@&]^%WQ=\+1:UH&HE#?:;/*Z)-L<.N3&RMPR@]>U?/:_\`!#O_`()) M*79_V!_A[(TAS))-I)=V/J69B2?>@#X/_P"#H7]D:?\`X*5?L*?#_P#;K_8X MU"#QS;>!$FN[E/#\HN6NM&NTC:2:,)DLT3QH73[P4L2/E->]?\&S'_!1'X1? MM7_\$ZO!?P*7QA90_$'X8Z5_8FO>')K@+)HB@+#A7#*<<9^ MM/V'_!FIWUD]I>7&BQR1B6%F1BA0N5ZHISC/ M%>=_&S_@AW_P2Z^/GQ!D^*_C/]E/2;#Q)-.9I]:\*ZA=:-/+(>2[-8RQ98]S MU-`'L?[37[8?[/?[(?AJR\1?'+Q]#ITFJWT=EH6C6L+W.HZM=2,%2"UM8@TL M[EB!A%.,Y.!S7X!?\',7[(?QC_9#_P""FGA;_@J_\/O"5Y?^#_$FKZ/JUUJ$ M=NV-/U>P%NGD3C`,7FQPQ%"V,D..JD5^['[.?_!-?]B;]E7Q,WCOX-_`?3;; MQ&\7E-XGU>XFU+4]F,;1=7;R2@8XX8<<5Z]XT\#^#OB/X6OO`_C_`,+:?K6C M:G;M!J&EZI9I/;W,1&"CQN"K#V(H`X+]CK]L#X'?MP_`'0/VA/@-XVLM7TG6 M]/BFGBMY@9;"=D#/;3I]Z*5&)4JWIW'-1>*?VQ/V<+']H;2OV.I_&L>J^.O$ M-C<3OX=TBU>\>QM4C):6],09;.-ONJTI7%?\`$/\`?\$I+/QA<>-_ M"O[-4OAN\NV)N8_"OB_5=,@DR$[.ZE\V].EV86:[D_OS2G,DK>[L30!_-9\$?#'Q`_X-J/^"Y-CK/QV M\/:A'\-=3N;W2[?Q'';M)#?>';QUVW"%1\[PLL+21CY@T1&.1G^GGX;_`!2^ M'7Q?\"Z?\3OA?XVTS7_#^JVPN-.UC2[Q)K>>,C.Y74D<=".H(YK(^/7[.'P& M_:B\!S?#']H;X2:#XQT&=M[:;KVG)<1J^"-Z;AE&`)&Y2#@GGFOF3PO_`,&^ MG_!*/P7>7$WA;]G*\L;2\?=>:-;>-M733[C_`&9+477E.OL5(Q0![A\'OVY/ M@+^T!\?_`!7^SY\&-8O/$EWX)LHI/$OB/2;7SM'M+IW*BP^UJ=CW(`WM&N=J M]2#Q7\^'[6OQN\&?LX_\'<[?&KXBW36^@Z%\1=,DU>\"%A:V\FDQ1/,V.=J" M0NQ[*I)X%?TF?"CX/_"SX%^!K'X9_!OX?:1X9T#38]ECI&BV*6\$0[D*@`R> MI)Y)Y)K^>#XA6=IJ/_!YQ86%_:QSP3_$"VCFAFC#)(IT#!5@>"".QH`_HQT# MQAX3\5>&;;QGX8\2V.H:1>6PN+34[*[26WFA(W"19%)5E(YR#BOYQ_\`@OE\ M1=:_X+=_\%7O`'[#W["")XRM?!.G/IVH:]IA\RRAN9YU:\N6E&5\BW18U,@X M+!E7<=N?U:_;5_X);_\`!'3X2?"OQ)\?_P!H+X%W?AWP=8YO/%,7A'6=7L[! M58_--+96$RQE!D5Z?^S'X5_P""=W[#'Q$T']DG]FKX(6G@7Q)XTT&; M6[/2M.\,S++7X!_P#!#+X9 M?!'P-:S76D_#WQ=H&FO=+']V&&PN;<2OC[NYROXO7UM_P;Z?%OX<7G_!$SX- M>)_^$QL(M/\`#/A&>U\07<]TJ1Z?);7,_G"9B<1[1\W./E(/0U]-V]Q\!OVW M_@MK/AGQ3X#_`.$B\&ZO-=:5JFE>*-!>.&\,,K12@1S*"RB1&`D7C*Y4\`U\ M^^!O^#?O_@D[\.=8FU+PK^RZD-M'?@5XM\,:5K^M>)/#5Q)"WB2Q MO;@AI?-7!>WCBCXC'RL^[=N^4#]E?A/XE_X)[_\`!/3]D/P[-\.?%/@_PE\. M8-+@;1KK3;B-VU=G1=LD8BW27MQ*<'Y0\CL>YXK3_:V_X)H?L,_MP^#=(\#? MM-?L[:'XAL?#T`@T!DC>UGTV'`'E02P,CQIA5&Q2%X'%>:_\$X_V!_\`@E5\ M)+:_^)?[%7[-NF:=>Z#X@OM"GUS6+&YFOK6\M9/*N8XI;TO(H5PR%D(!(89/ M-`'XT_\`!MW\3?"'PX_X.`OC3J7Q/U$^%?\`A)?#7BV'3K;Q,OV&99I-:LKQ M89$EP8Y/)AD8HV"-AK[=_P"#K7XZ?"+XR?\`!%[2O'7PR\?Z=K.D>)/B1IPT M&_LY\I?^0]RLIBS]]5,;_,."!D$@@U]K_M'_`/!&'_@F?^UE\;8OVB/CU^RO MH>M>+E>-KC4Q//;B]*8"FXCAD5+C``'S@Y'!K6^(W_!)#_@FY\7_`!$/%7Q0 M_9`\(:[>)#'#`VHVCO'!%'&L:1Q1;MD2!$50J*!QTH`\7_X-EM=T;5_^"*/P M8M-+U2"XDL+;5K>]2&4,8)O[6NW\M@/NMM=3@]F!KQG_`(/$-;TBT_X).VNB MW6I0QW=]\3=)-I;O(`\P2.X+E1U.`03Z9K[K_9\_X)O?L/?LH^,7\??LX?LX MZ!X,U62%XI;C05E@5T;J&C#[&^I7([5F_&G_`()8?\$^/VC/B!=_%'X[_LL^ M&?%NO7KAKC4->CEN&S@+\JL^U!@#A0!Q0!^7?P/_`&)]8_X*2?\`!IQX2^!? MP7NX-3\7^'YIM9T.QBF7Y]2L[ZX9K1O[KO#-(H!QRZ'O4?\`P:$_MV^!/`'P MR\8?\$S/C?JR>&/'.C>+KG5_#FDZ[FVEO$E2*.YM4$F/WT$KRS^*WPN_9^DU2^T/4[BUTK4O'ESJ.I3V$]M.T+F!=4DD,8$D9VN@`(`92 M1@U]4ZMHVCZ_I5QH6N:5;7MC=PM#/M>DZB(U$R.A^8QEPQ23&U MU(.$/@5X@UF[UGQSXWU6*TT/P;X:M?MNH^4S8DO98 MD.8;6)06>9\*`I`R>*\9\6_\$!O^"3_BKQ\_Q/M/V5[7P]K>#=?U#1 MLL3D_+93QJ,^@`%=_P"'/@9^P!_P2K^%>O?&3PO\,])\&:6'@77_`!%':37N MHWCRRI#$LD[^9<3EI'0!!+3_`(/%[7QO/K]NNF6?QAM=)N+SSE\M+D:[9S*9S)]GR M9"_S;NN>:`/O7_@J)X`_X6I_P3F^-O@-+;SFO_ACK'EQ!^!?@M:>`_$/Q(\1^,Q:236XU?QE=0W5[/#G"QRR1Q M1B4!>,LI8C[Q8\UZ"UC9M)%*UI$6@)\AC&,QY&#M].,CCL:`/B_XS^)OCG?_ M`+3%G^Q1\#/&$O@3PCX0\'Z,[^(%F/VN^OK^[DCC:%%4OU3D`C!'!H`^1OV??CQXKT3]DC5/VW?B[\4 M=8USQ!)\,%\4>(/"=DZOI6F2W$3WMO86Z*GRSPQF.W8!MS?*[@M("?._^"8- MG\8_@U\<-/\`V:_B)XTU*[N--^$EKKOCFR9&-M)XFU>]GU"X**!A!`AVM+UD M>Z`.=JA?O.UT;1[.R;3;/2;:*W9B6@C@548GDDJ!@YJ1-.L(KV34([&%;B6- M4DG6(!W49PI;J0,G`[9-`'YV?"/]KGXQ?&SXW?!F_P#$?Q7\0:/JGQ!\4ZOX MDU7PGIF5M=)\+6;-9V6BRPA2#=S7-Q:7$TC?OE$4RAEB7:;O[;'QJ_:3\+_& M3XV/\/OC)KMMHGAWP?H.B:3:6 M5)V5ITD@5A(1C!8$F!0!\D?MA?M`?$?3O$?PG^$_@'QW?R/XB\'ZSJ M^N6.CS+9:MJDT%G#'I^"Q0VL$EW,6=PR',:*:Y\3_&VNZFL4%I)96%L+BRM)H8@T<"?AIXC_:1\26OQ5^%?AWQU:S_#&WN-*L_&6G_;(]"FBGN$,EA@J; M9Y?,4R,IRQ@B.1LY^P_@+X&T3PY\!O`7A5_.U)-"\*:;;V=[J\@N+EO*M8XQ M*\C#+2D#+/P223WH`U?A%X=\1>$/A7X<\,>+_&5UXBU;3]#M;?4M>OH!%-J, MZ1*KW#H/NL[`L1V)KY`^%7QATA;G]K3]LO5]3U.UO].O;O3[$V%EYEQ8:'H- MO);I''N4J)9KI-0E56S_`*U'P5Q7W$.!BJRZ+HZ0W%M'I5LL=VS-=1B!<3%A MABXQ\V1P*OBS\?O!/[`OP'\0:]^T5X@TOQ/XG\6:+X?\4>(;6RM9 MHF;4;OR)WN)KN%RL,$;2B.92AD=(6+D-\V]\:/CS^T?\+?@IXX^)/PYUB\U. M;XA?%O2O#?PIFU,IY.BZ?.EI8R:@3*-HA,L5Y:%60@('\4KI1U">*76/#MI>Q/>Z38W[JL MC.;8XCN!M,Q?,81'7;Z_\9/"?PV^,N@?"3]FKQO\0V>[U'5]-\3/H_B5S_:> MM6FD[+LA@J!6D6Y%F9,[>-_7H?>KW1='U".**_TFVG6!U:!9H%81L.A7(X(] @14KV-E+=1WTEI$TT2LL4QC!9`<9`/4`X&?7`]*`/_]D_ ` end