HR Block 2005 Annual Report Download - page 62

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H&R BLOCK
2005 FORM 10-K AND ANNUAL REPORT
TABLE OF CONTENTS
Introduction and Forward Looking Statements 1
PART I
Item 1. Business
General Development of Business 1
Description of the Business
Tax Services 2
Mortgage Services 6
Business Services 8
Investment Services 10
Service Marks, Trademarks and Patents 12
Employees 12
Risk Factors 12
Reports 14
Item 2. Properties 15
Item 3. Legal Proceedings 15
Item 4. Submission of Matters to a Vote of Security Holders 17
PART II
Item 5. Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 17
Item 6. Selected Financial Data 18
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 18
Item 7A. Quantitative and Qualitative Disclosures About Market Risk 40
Item 8. Financial Statements and Supplementary Data 42
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 83
Item 9A. Controls and Procedures 83
Item 9B. Other Information 84
PART III
Item 10. Directors and Executive Officers of the Registrant 84
Item 11. Executive Compensation 86
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 86
Item 13. Certain Relationships and Related Transactions 86
Item 14. Principal Accounting Fees and Services 86
PART IV
Item 15. Exhibits and Financial Statement Schedules 87
Signatures 88
Exhibit Index 89