American Physicians Capital Inc.

American Physicians Capital Inc. is listed on NASDAQ (ACAP). American Physicians Capital, Inc., or APCapital, is an insurance holding company that writes primarily medical professional liability insurance through its subsidiary American Physicians Assurance Corporation, or American Physicians. Starting in late 2002, and continuing throughout 2003 and 2004, we made several changes to our business. In our medical professional liability line of business, we began exiting the Florida market in December 2002, are in the process of exiting the Nevada market, and have discontinued the issuance of occurrence-based policies in Ohio and Kentucky. Late in 2003, we made the decision to exit the health and workers' compensation insurance lines, and to de-emphasize our excess and surplus lines. Exit activities related to health and workers' compensation insurance will continue into 2005, and potentially beyond. Our workers' compensation insurance is written primarily by Insurance Corporation of America, which is wholly owned by APCapital.

American Physicians Service Group Inc.

American Physicians Service Group Inc. is listed on NASDAQ (AMPH). We, through our subsidiaries, provide services that include brokerage and investment services to individuals and institutions, and management and agency services to malpractice insurance companies. We were organized in October 1974 under the laws of the State of Texas. Our principal executive office is at 1301 Capital of Texas Highway, Suite C-300, Austin, Texas 78746, and our telephone number is (512) 328-0888. Our website is www.amph.com. We make available free of charge on our website our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and any amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 as soon as reasonably practicable after such material is electronically filed with, or furnished to, the Securities and Exchange Commission (SEC).

Avon Products Inc. ..ated in the State of New York on January 27, 1916. Avon is a global manufacturer and marketer of beauty and related products. Avon's products fall int..

Axcan Pharma Inc. .. is a leading specialty pharmaceutical company concentrating in the field of gastroenterology, with operations primarily in North America and Europe. ..

Black Hills Corporation ..n, is a diversified energy company and a public utility holding company under the Public Utility Holding Company Act of 1935, as amended (PUHCA). Our ..

bebe stores inc. ..of contemporary women's apparel and accessories. While we attract a broad audience, our target customer is a 21 to 35-year-old woman who seeks current..

B+H Ocean Carriers Ltd. ..ean Carriers Ltd. (the Company*) was organized in April 1988 to engage in the business of acquiring, investing in, owning, operating and selling vesse..

Structured Products Corp. ..bsidiaries are referred to as we or BellSouth. We are a Fortune 100 company with annual revenues of over $20 billion. Our core business is wireline co..

Bnccorp Inc. .. the Bank Holding Company Act of 1956 (the BHCA) headquartered in Bismarck, North Dakota. We are dedicated to providing a broad range of financial pro..

Boston Beer Company Inc. (The) .. largest craft brewer and the sixth largest brewer overall in the United States. In fiscal 2004, Boston Beer sold 1,258,206 barrels of its proprietary..

Britesmile Inc. .. and its affiliates develop, distribute, market, sell and lease advanced teeth whitening technology, products, systems and services. Unless specified ..

Brown-Forman Corporation ..k corporation under the laws of the Federal Republic of Germany on January 30, 1952 under the name Badische Anilin- und Soda-Fabrik AG. In 1973, the c..

Mexican Restaurants Inc. .. Mexican-theme restaurants featuring various elements associated with the casual dining experience under the names Casa Ole, Montereys Tex-Mex Cafe, M..

CIENA Corporation ..munications networking equipment, software and services to communications service providers, cable operators, governments and enterprises. Ciena is a ..

Concur Technologies Inc. .. business services and software solutions that automate processes involved in the management of corporate expenses. Our core purpose is to use innovat..

Centene Corporation .. provides Medicaid and Medicaid-related programs to organizations and individuals through government subsidized programs, including Medicaid, Suppleme..

CFS Bancorp Inc. ..idiaries) is a registered unitary savings and loan holding company and was organized in March 1998 to facilitate the July 1998 conversion of its subsi..

Cherokee International Corporation ..es for original equipment manufacturers (OEMs). Our advanced power supply products are typically custom designed into mid- to high-end commercial appl..

ClickSoftware Technologies Ltd. ..e operations, which are designed to improve customer responsiveness and the utilization of service resources. Our products allow our clients to respon..

Coast Distribution System Inc. (The) .., one of the largest wholesale suppliers of replacement parts, supplies and accessories for recreational vehicles (RVs) and boats in North America. We..

Cleco Power LLC ..1998, under the laws of the State of Louisiana. Cleco Corporation holds investments in several subsidiaries, including Cleco Power and Midstream, whic..

Cogent Inc. ..n regarding Management's Discussion and Analysis of Financial Condition and Results of Operations) contains forward-looking statements regarding our b..

Cornell Corrections Inc. .. 1991, is a publicly-traded company whose primary business is in the field of corrections, education, rehabilitation and treatment for adults and juve..

Cosi Inc. .. October 1999, engages in the business of operating premium convenience restaurants which sell high-quality sandwiches, freshly tossed salads, Cosi ba..

Capital Southwest Corporation ..19, 1961. Until September 1969, we operated as a licensee under the Small Business Investment Act of 1958. At that time, we transferred to our wholly-..

Cousins Properties Incorporated .. Cousins) is a Georgia corporation, which since 1987 has elected to be taxed as a real estate investment trust (REIT). Cousins Real Estate Corporation..

Conversion Services International Inc. .., we, our, and us refer to Conversion Services International, Inc. and our consolidated subsidiaries. We are a technology firm providing professional ..

Cutera Inc. ..lGlide, Xeo and Solera families of products for aesthetic treatments. Our easy-to-use families of laser and other light-based products enable dermatol..

Walt Disney Company (The) ..aries, is a diversified worldwide entertainment company with operations in four business segments: Media Networks, Parks and Resorts, Studio Entertain..

Diageo plc ..hol businesses with a portfolio of international brands. Diageo was the eleventh largest publicly quoted company in the United Kingdom in terms of mar..

Genentech Inc. ..discovers, develops, manufactures, and commercializes biotherapeutics for significant unmet medical needs. A considerable number of the currently appr..

DPL Inc. ..mpany organized in 1985 under the laws of Ohio. The executive offices of DPL are located at 1065 Woodman Drive, Dayton, Ohio 45432 - telephone (937) 2..

Diamondrock Hospitality Company ..committed to maximizing shareholder value through investing in premium full-service hotels and, to a lesser extent, premium urban select-service hotel..

Dixie Group Inc. (The) ..nufacturing and selling carpet and rugs to high-end residential and commercial customers through the Fabrica International, Masland Carpets and the Di..

Electronics for Imaging Inc. ..tatements and other documents with the Securities and Exchange Commission (SEC) under the Securities Exchange Act of 1934 (Exchange Act). The public m..

Emulex Corporation ..annel host bus adapters, or HBAs, and delivers a broad range of intelligent building blocks, including embedded storage switches and Input-Output, or ..

Energy Conversion Devices Inc. ..ogy, product development and manufacturing company engaged in the invention, engineering, development and commercialization of new materials, products..

Equitable Resources Inc. ..Equitable) is an integrated energy company, with an emphasis on Appalachian area natural gas supply activities including production and gathering, and..

Electroglas Inc. ..quipment and software to the global semiconductor industry. We were incorporated in Delaware on April 1, 1993, to succeed the wafer prober business co..

Euroweb International Corp. ..e corporation which was organized on November 9, 1992. It was a development stage company through December 31, 1993. The Company operates in Hungary, ..

First Busey Corporation ..ation), a Nevada Corporation, is a $1.964 billion financial holding company which was initially organized as a bank holding company in 1980. First Bus..

FirstMerit Corporation ..lion bank holding company organized in 1981 under the laws of the State of Ohio and registered under the Bank Holding Company Act of 1956, as amended ..

1st Independence Financial Group Inc. ..organized as a Delaware corporation in June 1995, and was formerly known as Harrodsburg First Financial Bancorp, Inc. On July 9, 2004, it changed its ..

FormFactor Inc. ..and supports precision, high performance advanced semiconductor wafer probe cards. Semiconductor manufacturers use the Company's wafer probe cards to ..

Foster Wheeler Ltd. .. of Bermuda and is a holding company that owns the stock of its various subsidiary companies. Except as the context otherwise requires, the terms Fost..

First Regional Bancorp ..ecutive offices at 1801 Century Park East, Los Angeles, California 90067. The Company was incorporated in California as Great American Bancorp on Febr..

FMS Financial Corporation ..n, headquartered in Burlington, New Jersey, is the holding company for Farmers and Mechanics Bank. The Corporation conducts no significant business or..

General Electric Capital Corporation ..ted in 1943 in the State of New York under the provisions of the New York Banking Law relating to investment companies, as successor to General Electr..

Graham Corporation ..ration or the Registrant) is a Delaware company incorporated in 1983. It is the successor to Graham Manufacturing Co., Inc., which was incorporated in..

Genlyte Group Incorporated (The) ..porated in the State of Delaware in 1985 as a wholly-owned subsidiary of Bairnco Corporation. In 1988 Genlyte was spun off from Bairnco Corporation an..

GenVec Inc. ..developing innovative gene-based therapeutics to treat cancer, heart disease and vision loss. Our lead product candidates address significant markets ..

Governor and Company of the Bank of Ireland (The) ..eland was established as a chartered corporation by an Act of the Irish Parliament of 1781-2 and by a Royal Charter of King George III in 1783. The Ba..

Gevity HR Inc. ..hensive, fully integrated employee management solution to small- and medium-sized businesses. The Company's solution allows it to effectively become t..

HILLMAN GROUP CAP TR ..e largest providers of hardware-related products and related merchandising services to retail markets in North America. The Company's principal busine..

HopFed Bancorp Inc. .. sold 4,033,625 shares of common stock, par value $.01 per share, in connection with the conversion of Hopkinsville Federal Savings Bank from a federa..

Harvard Bioscience Inc. ..lobal developer, manufacturer and marketer of a broad range of specialized products, primarily scientific instruments and apparatus, used to accelerat..

Hercules Technology Growth Capital Inc. ..ebt and equity growth capital to technology-related and life sciences companies at all stages of development. We primarily finance privately-held comp..

Henry Schein Inc. ..cts and services primarily to office-based healthcare practitioners in the combined North American and European markets. We serve more than 475,000 cu..

IBERIABANK Corporation ..is the bank holding company for IBERIABANK, a wholly owned Louisiana-chartered commercial bank subsidiary, both headquartered in Lafayette, Louisiana...

Intelligent Systems Corporation ..tion, has operated since 1973 and its securities have been publicly traded since 1981. In this report, sometimes we use the terms company, we, ours an..

iLinc Communications Inc. ..tions, Inc. is a leading provider of Web conferencing, audio conferencing and collaboration software and services. We develop and sell software that p..

Interactive Systems Worldwide Inc. ..gned, developed and patented an interactive hardware and proprietary software system (the SportXction(R) System) that enables users to wager at fixed ..

InterVoice Inc. ..tomation and data management solutions used by enterprises and communication network operators to automate and personalize their customers' access to ..

JDS Uniphase Corporation ..vator of optical technologies that enable dramatic improvements in the way we communicate, detect, present and experience information. Our products ar..