Palm Harbor Homes, Inc., together with its subsidiaries, engages in the manufacture and marketing of factory-built homes primarily in the United States. It manufactures single and multisection manufactured homes under various brand names, including Palm Harbor, Masterpiece, Keystone, CountryPlace, River Bend, and Windsor Homes. The company sells homes through a distribution network consisting of its own retail superstores and independent dealers, builders, and developers. It also offers chattel and nonconforming land/home loans to purchasers of manufactured homes. In addition, it provides property and casualty insurance for owners of manufactured homes. As of March 31, 2006, the company...