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… The actual impact of any new tariffs on our business would be subject to a number of factors including, but not limited to, restrictions on trade, the effective date and duration of such tariffs, countries included in the scope of …

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

existing tax laws, tariffs, competition laws, privacy laws and environmental laws or changes to other laws, regulations or policies in the U.S., including by the U.S. Presidential administration and Congress, as well as in other countries. For example …

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

… and other countries have recently imposed or reached alignment on new tariffs. In some cases, imposed tariffs have been paused but may come into effect quickly and unpredictably. While pharmaceuticals are exempt from certain of these tariffs, such exemptions may …

Item 7, MD&A, 10-K Feb 12, 2026open_in_new

… and other countries imposed or reached alignment on new tariffs. In some cases, imposed tariffs have been paused but may come into effect quickly and unpredictably. While pharmaceuticals are exempt from certain of these tariffs, such exemptions may be terminated …

Item 1A, Risk Factors, 10-K Feb 12, 2026open_in_new

Existing free trade laws and regulations provide certain beneficial duties and tariffs for qualifying imports and exports, subject to compliance with the applicable classification and other requirements. Changes in laws and regulations or policies governing the terms of foreign trade, and in particular, increased trade restrictions, tariffs or taxes on imports from countries where we manufacture products could have a material adverse impact on our business and financial results.

Item 1A, Risk Factors, 10-K May 29, 2026open_in_new

… The increase in operating income is primarily due to the benefits of higher volume, pricing, and productivity, which were partially offset by increased tariff costs and inflation. The segment's operating margins were 24.6% for fiscal year 2026 and …

Item 7, MD&A, 10-K May 29, 2026open_in_new

… trade and tariff policies, including the imposition, modification, suspension and threatened expansion of tariffs on imported goods, as well as retaliatory measures by foreign governments, have increased uncertainty in the overall business and operating environment. Numerous tariffs and trade protection …

Item 7, MD&A, 10-K Feb 13, 2026open_in_new

… On April 2, 2025, the Administration issued an executive order (the April 2025 Tariff EO) imposing a universal 10% tariff on all imported goods, with certain exceptions including pharmaceuticals. The April 2025 Tariff EO imposed additional higher tariffs on approximately …

Item 1A, Risk Factors, 10-K Feb 13, 2026open_in_new

… and Chinese tariffs and U.S. tariffs on all other global import suppliers. Should the tariffs continue at formally communicated levels, we expect to continue to see a material impact to our financial results. Additional tariffs or other trade restrictions …

Item 7, MD&A, 10-K Feb 4, 2026open_in_new

The imposition of tariffs, non-tariff barriers, and other import and export restrictions have contributed to increased global economic uncertainty. The rise of economic nationalism could make it more difficult for us to attract new customers, retain existing customers, continue …

Item 1A, Risk Factors, 10-K Feb 4, 2026open_in_new

… government and several other countries enacted tariffs. Under the current tariff environment, the largest cost impact to us relates to importation from our manufacturing facility in Singapore. The remainder is a mix of importation of parts and sub-assemblies to …

Item 7, MD&A, 10-K Feb 12, 2026open_in_new

• the impact of tariffs recently imposed by the U.S. government and its trading partners in response, other possible tariffs or trade protection measures, import or export licensing requirements, new or different customs duties, trade embargoes and sanctions and other trade barriers;

Item 1A, Risk Factors, 10-K Feb 12, 2026open_in_new

The impact of any adopted, announced, new or proposed tariffs, trade restrictions or domestic sourcing requirements on our business continues to be subject to a number of factors that we cannot predict, including, but not limited to, the scope, nature …

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

◦ The imposition of tariffs on, or other trade restrictions or domestic sourcing requirements in, the territories and countries where we, our partners, suppliers, or customers do business, as well as any retaliatory actions

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

Changes in trade policies, including the imposition of tariffs, sanctions, and other trade restrictions, may adversely affect our business.

Item 1A, Risk Factors, 10-K Feb 12, 2026open_in_new

• modification of foreign trade policy by the U.S. or other countries or the imposition of tariffs on imported or exported goods;

Item 7, MD&A, 10-K Feb 12, 2026open_in_new

… government has implemented significant new tariffs on imports from a wide range of countries, which has also prompted retaliatory tariffs and other actions by a number of countries, including tariffs and export restrictions on certain manufacturing components imposed by China …

Item 7, MD&A, 10-K Feb 24, 2026open_in_new

To the extent the Company is unable to continue to largely offset the incremental cost from the enacted tariffs, enacted or threatened tariffs negatively impact future demand or the export restrictions negatively impact manufacturing, the Company’s revenue and profitability would be adversely impacted. If delayed or additional tariffs are implemented, the Company would incur additional tariff costs that could be material and the Company’s revenue and profitability could be adversely impacted.

Item 7, MD&A, 10-K Feb 24, 2026open_in_new

Business segment operating income margin decreased when compared to the same period last year as a result of higher logistics costs, tariffs and other costs to operate our standalone structure after Spin-Off.

Item 7, MD&A, 10-K Feb 27, 2026open_in_new

Business segment operating income margin decreased when compared to the same period last year. The decrease was primarily driven by the impact of higher product costs due to tariffs, logistics and a full year of supply agreement mark-ups from 3M.

Item 7, MD&A, 10-K Feb 27, 2026open_in_new

… These events and circumstances include, but are not limited to, macroeconomic conditions, fluctuations in foreign currency exchange rates, tariffs or proposed tariffs, customs duties or fees, and any retaliatory tariffs or protectionist trade measures taken in response to such tariffs …

Item 7, MD&A, 10-K Feb 27, 2026open_in_new

Tariffs or proposed tariffs, customs duties, or fees, and any retaliatory tariffs, international trade disputes, or protectionist trade measures taken in response to such tariffs may increase the cost of our products and the components or the raw materials used …

Item 1A, Risk Factors, 10-K Feb 27, 2026open_in_new

… trade policies and practices, including the implementation of global tariffs and proposed further tariffs (including potential medical device and pharmaceutical tariffs), have significantly affected financial markets and economic conditions. While we are in the process of implementing select tariff offsets …

Item 7, MD&A, 10-K Feb 12, 2026open_in_new

… The ultimate impact of any tariffs and any retaliatory counter measures will depend on various factors, including if any tariffs are ultimately implemented, the timing of implementation, the amount, scope and nature of the tariffs, and the applicability of such …

Item 1A, Risk Factors, 10-K Feb 12, 2026open_in_new

… The actual amount could vary based on changes in tariff rates, duration of tariffs, scope of tariffs, and potential countermeasures or mitigation actions. While we are taking proactive steps to mitigate the effects of these tariffs, the evolving nature of …

Item 7, MD&A, 10-K Jun 18, 2026open_in_new

• trade protection measures, tariffs and other border taxes, economic sanctions, export controls, and import or export licensing requirements,

Item 1A, Risk Factors, 10-K Jun 18, 2026open_in_new

We face significant risks from the existing tariffs imposed by the United States (such as those discussed above) and potential new tariffs as well as their secondary effects, including other countries' imposition of retaliatory tariffs and non-tariff barriers. Depending …

Item 1A, Risk Factors, 10-K Feb 4, 2026open_in_new

The United States has recently imposed significant tariffs on imports from other countries, including a baseline tariff of 10% on imports into the United States and higher tariffs on multiple designated countries, such as "reciprocal" tariffs at varying rates. Such …

Item 1A, Risk Factors, 10-K Feb 4, 2026open_in_new

… While we have implemented mitigation strategies including manufacturing optimization, supplier collaboration, pricing adjustments, and temporary cost measures, these actions may not fully offset the impact of existing or future tariffs. Additional tariffs or trade restrictions may materially and adversely affect …

Item 1A, Risk Factors, 10-K Feb 24, 2026open_in_new

• changes in trade policy applicable to the regions in which we do business, including changes in U.S. trade policies or the imposition of higher tariffs on products being shipped into and from the U.S.,

Item 1A, Risk Factors, 10-K Feb 24, 2026open_in_new

These tariffs, any resulting retaliatory tariffs and any related supply-chain disruptions could have a significant impact on the Company’s consolidated statement of operations and statement of cash flows. In response to currently applicable and potential future tariffs, the …

Item 7, MD&A, 10-K Feb 23, 2026open_in_new

… government issued varying levels of tariffs on all imported goods into the U.S., including a baseline 10% tariff, subject to certain exceptions, which have also prompted retaliatory tariffs by a number of countries, including tariffs and export restrictions on …

Item 7, MD&A, 10-K Feb 23, 2026open_in_new

… The timing and outcome of this litigation are uncertain, and the Court’s decision could result in the modification, invalidation, or continuation of such tariffs. Any modification of existing tariffs, or the introduction of new U.S. tariffs under alternative …

Item 1A, Risk Factors, 10-K Feb 17, 2026open_in_new

… There continues to be significant uncertainty in the tariff environment and with respect to global trade policies, including changing tariff rates, tariff imposition delays, and the potential for reciprocal restrictive trade policies by the U.S. or other governments around …

Item 7, MD&A, 10-K Feb 17, 2026open_in_new

We aim to optimize operations and inventory management to help reduce the potential impact from changes in tariff and trade policies. However, imposed tariffs (including retaliatory tariffs) and our optimization activities may cause our cost of goods to increase, our …

Item 7, MD&A, 10-K Feb 20, 2026open_in_new

Changes in Tariff and Trade Policies. We manufacture many of our companion animal and water quality products, as well as certain of our LPD testing products, in the United States. We rely on third-party suppliers located in the United …

Item 7, MD&A, 10-K Feb 20, 2026open_in_new

… government imposed significant tariffs, as well as increases to existing tariffs, impacting a wide variety of goods across multiple countries and indicated that additional tariffs may be imposed in the near future. In response to the tariffs announced by the …

Item 1A, Risk Factors, 10-K Aug 13, 2026open_in_new

Global macroeconomic conditions, including the direct and indirect effects of inflation, supply chain disruptions, reciprocal tariffs, and fluctuations in foreign currency exchange rates, could adversely affect our operations and profitability. Global economic conditions, geopolitical instability, the impact of tariffs and trade wars on our suppliers,

Item 1A, Risk Factors, 10-K Aug 13, 2026open_in_new

Significant tariffs or other restrictions, if imposed on our imported pharmaceutical ingredients, medical devices, medical equipment and their ingredients and components, could escalate costs of medications, medical devices and medical equipment and disrupt our supply chains. While we continue to …

Item 7, MD&A, 10-K Feb 25, 2026open_in_new

• significant tariffs or other restrictions, if imposed on our imported pharmaceutical ingredients, medical devices, medical equipment and their ingredients and components, could escalate costs of medications, medical devices and medical equipment and disrupt our supply chains. While we continue to …

Item 7, MD&A, 10-K Feb 25, 2026open_in_new

… and other countries’ international trade and tariff policies. Changes to tariffs, trade restrictions and protection measures applicable to trade with certain countries, trade in certain types of goods, or otherwise; new import or export requirements; changes to trade agreements; new …

Item 1A, Risk Factors, 10-K Feb 20, 2026open_in_new

Tariffs, trade restrictions and other trade measures have adversely affected, and could continue to adversely affect, our business and financial results.

Item 1A, Risk Factors, 10-K Feb 20, 2026open_in_new

As of the date of this filing, we do not expect the tariffs currently applicable to our business to result in a material adverse effect on our operations in 2026. This is based on existing tariffs either in place or …

Item 7, MD&A, 10-K Feb 6, 2026open_in_new

• the imposition of tariffs or reciprocal tariffs, trade protection measures, embargoes, import or export licensing requirements and the imposition of trade sanctions and other similar restrictions.

Item 1A, Risk Factors, 10-K Feb 6, 2026open_in_new

… and other countries have recently imposed, and may continue to impose, new tariffs. While pharmaceuticals are largely exempt from the tariffs imposed in 2025, such exemptions may be terminated or may not apply to any future tariffs. In accordance with …

Item 1A, Risk Factors, 10-K Feb 11, 2026open_in_new

… and other countries have recently imposed, and may continue to impose, new tariffs. While pharmaceuticals are largely exempt from the tariffs imposed in 2025, such exemptions may be terminated or may not apply to any future tariffs. In accordance with …

Item 7, MD&A, 10-K Feb 11, 2026open_in_new

• foreign earnings being subject to withholding requirements or the imposition of tariffs, exchange controls or other restrictions, including the tariffs enacted by the Chinese government on certain U.S. goods, the scope and duration of which remain uncertain;

Item 1A, Risk Factors, 10-K Dec 5, 2025open_in_new

Economic and trade sanctions, including tariff and import/export regulations by the U.S. and foreign governments, could make it more difficult or costly for us to conduct our operations or achieve our business objectives.

Item 1A, Risk Factors, 10-K Dec 5, 2025open_in_new

… Presidential administration announced plans to impose up to 100% tariffs on imported branded or patented pharmaceuticals, subject to certain exceptions. The specific impact remains uncertain at this time and is subject to the timing, scope and duration of any tariffs …

Item 1A, Risk Factors, 10-K Feb 24, 2026open_in_new

• Changes in trade policies by the U.S. or foreign governments, which may result in protectionist measures, such as new or increased sanctions, tariffs (such as the country-specific tariffs and related retaliatory actions implemented by the U.S. and other countries), embargoes, import and export licensing requirements or other trade restrictions, or the threat of such restrictions.

Item 1A, Risk Factors, 10-K Feb 24, 2026open_in_new

While certain of the announced tariffs have been delayed, the U.S. government may in the future pause, reimpose or increase tariffs, and countries subject to such tariffs have and in the future may impose reciprocal tariffs or other restrictive trade measures in response. Any of these actions could increase uncertainties and associated risks relating to the Company’s global operations.

Item 1A, Risk Factors, 10-K Feb 11, 2026open_in_new

• Tariffs, unfavorable transactional currency and macroeconomic factors in the MedTech business

Item 7, MD&A, 10-K Feb 11, 2026open_in_new

… These tariffs and protective measures may include (i) the existing fentanyl tariffs, reciprocal tariffs, or secondary tariffs imposed on Indian or Brazilian-origin goods; (ii) the threatened tariffs on imports of pharmaceuticals and pharmaceutical ingredients under Section 232 of the …

Item 1A, Risk Factors, 10-K Nov 25, 2025open_in_new

The pharmaceutical products that we purchase are also subject to price inflation and deflation, as well as the threatened and enacted tariffs described above. Additionally, certain distribution service agreements that we have entered into with brand-name and generic pharmaceutical …

Item 1A, Risk Factors, 10-K Nov 25, 2025open_in_new

• trade protection measures, quotas, embargoes, import or export requirements, and duties, tariffs, or surcharges (including existing or potential future tariffs imposed by the U.S. on goods from other countries and tariffs imposed by other countries on U.S. goods);

Item 1A, Risk Factors, 10-K Feb 25, 2026open_in_new

… The ultimate impact of any existing or new tariffs or other changes in international trade policies on our business, financial condition, results of operations and cash flows is subject to a number of factors, including, but not limited to, the …

Item 1A, Risk Factors, 10-K Feb 25, 2026open_in_new

While we do not expect tariffs to have a significant impact on our gross margin in 2026, should the exemption that is currently in place for certain medical devices be eliminated, tariffs would have a material impact on our results of operations in future years.

Item 7, MD&A, 10-K Feb 18, 2026open_in_new

• trade protection measures, such as tariff increases, and import and export licensing and control requirements;

Item 1A, Risk Factors, 10-K Feb 18, 2026open_in_new

… government has imposed additional tariffs and trade restrictions on certain goods produced outside of the United States. In response to these actions, certain jurisdictions in which we operate have imposed or are considering imposing tariffs and restrictions on certain goods …

Item 7, MD&A, 10-K Feb 17, 2026open_in_new

We are a global company with significant revenues and earnings generated internationally, which exposes us to the impact of foreign currency fluctuations and tariffs, as well as political and economic risks.

Item 1A, Risk Factors, 10-K Feb 17, 2026open_in_new

Trade restrictions, tariffs, and other changes in global trade policy could increase costs, disrupt supply chains, and adversely affect AbbVie’s business and results of operations.

Item 1A, Risk Factors, 10-K Feb 20, 2026open_in_new

… government has agreed to provide AbbVie a three-year exemption from tariffs and future price mandates.

Item 7, MD&A, 10-K Feb 20, 2026open_in_new

• Changes in the economic environment, including inflation, the implementation of new tariffs or changes in tariffs, including the impact of tariffs on trade relations between the U.S. and foreign countries, and labor and other market dynamics could create exposure for increased costs and supply chain disruptions that can adversely impact consumer demand, the ability to deliver client savings or the Company’s financial results.

Item 7, MD&A, 10-K Feb 10, 2026open_in_new

… As a result, significant changes in tax or trade policies, tariffs or trade relations between the U.S. and other countries, such as the imposition of unilateral tariffs on imported products, could result in significant increases in our costs, restrict …

Item 1A, Risk Factors, 10-K Feb 10, 2026open_in_new

… Additionally, imposed or threatened tariffs have raised, and may continue to raise, the cost of certain medical supplies and products we source from outside the United States. While our response to the currently enacted tariffs has generally managed their impact …

Item 1A, Risk Factors, 10-K Feb 10, 2026open_in_new

… These may include changes to trade policy and new or increased tariffs, which may impact our supply chain operations. It is difficult to predict the nature and/or success of current and future public policy changes, any of which may …

Item 1A, Risk Factors, 10-K Feb 10, 2026open_in_new

• financial risks, such as longer payment cycles, difficulty obtaining financing in foreign markets, difficulty enforcing contracts and intellectual property rights, difficulty collecting accounts receivable, exposure to foreign currency exchange rate fluctuations and increased costs due to tariffs;

Item 1A, Risk Factors, 10-K Feb 10, 2026open_in_new

• multiple, conflicting and changing laws and regulations such as tax laws, privacy regulations, tariffs, export and import restrictions, employment, immigration and labor laws, regulatory requirements, and other governmental approvals, permits and licenses, compliance with which can increase in complexity and cost as we enter into additional jurisdictions;

Item 1A, Risk Factors, 10-K Feb 10, 2026open_in_new

… Imposed or threatened tariffs or other trade restrictions might require us to incur substantial additional sourcing costs, raise prices on certain products, or seek alternate supply sources. If we are unable to effectively manage or offset the impact of tariffs …

Item 1A, Risk Factors, 10-K May 8, 2026open_in_new

… Inflationary pressure is increased by factors such as supply chain disruptions, labor market tightness, actual or announced tariffs, government policies, interest rate changes, and foreign exchange rate changes. An economic slowdown or a recession could also reduce the prices our …

Item 1A, Risk Factors, 10-K May 8, 2026open_in_new

Recent governmental actions and proposals relating to tariffs and other trade policies have created uncertainty about future trading arrangements and the possibility of imposing or increasing tariffs on certain goods. For example, certain governments (including the U.S. and other …

Item 1A, Risk Factors, 10-K Feb 20, 2026open_in_new

Changes in tariffs and other governmental trade policies could negatively affect our business and results of operations.

Item 1A, Risk Factors, 10-K Feb 20, 2026open_in_new

… implemented and/or announced tariffs on imports from a wide range of countries, and which has prompted a number of countries to impose retaliatory tariffs and/or changes to existing tariffs. Many of these tariffs and announcements underwent continued revision …

Item 1A, Risk Factors, 10-K Aug 24, 2026open_in_new

… As of the date of this report, a number of the tariffs remain in effect, including significant tariffs between the U.S. and China. Collectively, these tariffs have increased and will continue to increase the cost to us of supplies …

Item 1A, Risk Factors, 10-K Aug 24, 2026open_in_new

• Uncertain macroeconomic and geopolitical factors, including as a result of changes in trade policies and practices (including the imposition of additional tariffs or threats to impose additional tariffs), worldwide inflationary pressures, currency exchange fluctuations, changes in interest rates or other …

Item 1A, Risk Factors, 10-K Mar 20, 2026open_in_new

• changes in diplomatic relations and trade policy, including the status of relations between the United States and other countries, including China and Russia, and the implementation or threatened implementation of tariffs, export controls, trade sanctions, and embargoes, including if the …

Item 1A, Risk Factors, 10-K Mar 20, 2026open_in_new

… government has imposed tariffs on imports into the U.S., and it may impose additional tariffs in the future. Some countries may retaliate with trade protection measures, including reciprocal tariffs. These tariffs or other trade protection measures could have a …

Item 1A, Risk Factors, 10-K Feb 20, 2026open_in_new

Gross profit margins were 52.6 percent of net sales in 2025, 50.9 percent of net sales in 2024, and 50.3 percent of net sales in 2023. The increase in 2025 reflects the favorable impact of margin improvement initiatives, partially offset by higher costs, including tariffs, and the unfavorable impact of foreign exchange. The increase in 2024 reflects the favorable impact of margin improvement initiatives, partially offset by the unfavorable effect of foreign exchange.

Item 7, MD&A, 10-K Feb 20, 2026open_in_new

… geopolitical instability, major epidemics, pandemics and their resurgence, or newly emergent diseases, new medical technologies, increases in provider fraud, tariffs, unexpected increases in taxes and fees, including provider taxes, and other external factors, including general economic conditions such as interest …

Item 1A, Risk Factors, 10-K Feb 17, 2026open_in_new

… Any significant variation from our expectations regarding acuity of our members, the Marketplace membership as a whole, enrollment levels, adverse selection, out-of-network costs or other increased costs, including due to tariffs or other assumptions utilized in setting adequate …

Item 1A, Risk Factors, 10-K Feb 17, 2026open_in_new

… has experienced a rapid increase in new government regulations, including tariffs and proposed tariffs on imports from a wide range of markets and geographies, including some in which we operate. These tariffs/proposed tariffs have prompted retaliatory tariffs by a …

Item 1A, Risk Factors, 10-K Feb 18, 2026open_in_new

• changes in trade relationships, including new tariffs, trade protection measures, import or export licensing requirements, trade embargoes and sanctions, and other trade barriers;

Item 1A, Risk Factors, 10-K Feb 18, 2026open_in_new

… political conditions that have driven changes in trade, tariff, monetary, healthcare, immigration and other policies by governmental authorities in the United States and across the globe. For example, the current administration in the United States has implemented policies and issued …

Item 1A, Risk Factors, 10-K Feb 11, 2026open_in_new

… on our supply chain and cost of supplies as a result of natural disasters or evolving trade policies, including tariffs; the potential impact on our patients and industry of new or potential entrants in the dialysis and pre-dialysis marketplace …

Item 7, MD&A, 10-K Feb 11, 2026open_in_new

• tariffs imposed by the U.S. on goods from other countries and tariffs imposed by other countries, on certain U.S. goods (including volatility resulting from the imposition of (and changing policies around) tariffs and related countermeasures);

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

• changes in diplomatic and trade relationships, including new tariffs, trade protection measures, import or export licensing requirements, trade embargoes and sanctions and other trade barriers;

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

… Department of Commerce to delay Section 232 tariffs for three years, enabling the Company to make investments in the U.S. to reshore manufacturing for American patients.

Item 7, MD&A, 10-K Feb 24, 2026open_in_new

… Department of Commerce to delay Section 232 tariffs for three years, enabling the Company to make investments in the U.S. to reshore manufacturing for American patients.

10-K, 10-K Feb 24, 2026open_in_new

• import and export licensing requirements, tariffs, trade barriers, and other trade and travel restrictions, the risks of

Item 1A, Risk Factors, 10-K Feb 13, 2026open_in_new

• the effects of import and export licensing requirements, tariffs, trade barriers, and other trade and travel restrictions;

Item 1A, Risk Factors, 10-K Feb 13, 2026open_in_new

… services; existing and emerging data privacy regulations affecting the processing and transfer of personal data; new regulations relating to the use of AI; and challenges based on differing languages, cultures and unfamiliar practices. Tariffs, sanctions and other barriers imposed or

Item 1A, Risk Factors, 10-K Feb 26, 2026open_in_new

• fluctuations in trade policy and tariff regulations, including potential higher tariffs on imported goods and materials and renegotiation of free trade agreements and potential retaliatory tariffs imposed by foreign countries against U.S. goods; and

Item 1A, Risk Factors, 10-K Feb 12, 2026open_in_new

… Other factors affecting our pharmaceutical costs include, but are not limited to, existing prices, geographical variation in utilization of new FDA-approved pharmaceuticals and new FDA-approved indications for existing pharmaceuticals, current and potential future tariffs and changes in discounts.

Item 1A, Risk Factors, 10-K Feb 6, 2026open_in_new

• the United States or foreign countries have and could continue to enact legislation or impose regulations or other restrictions, including unfavorable labor regulations, tax policies, trade barriers, tariffs, or economic sanctions, which could have an adverse effect on our ability …

Item 1A, Risk Factors, 10-K Feb 17, 2026open_in_new

… regulatory regimes, which vary by jurisdiction, encompass, among other matters, local and cross-border taxation, licensing, tariffs, intellectual property, investment, capital (including minimum solvency margin and reserve requirements), management control, labor, anti-fraud, anti-corruption and privacy and data protection …

Item 1A, Risk Factors, 10-K Mar 2, 2026open_in_new

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