Management's discussion and analysis:

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Management's discussion and analysis (MD&A) is a section in a company's annual report that provides a discussion and analysis of the financial activities of the company by the company's management. It is typically found after the financial statements and is intended to provide investors with insight into the company's financial performance and future prospects. It is not a report of the independent accountants, cannot be substituted for the notes to the financial statements, and does not provide assurances that the auditors are responsible for the financial statements.

Management's Discussion and Analysis