10.  Dividends

During the six months ended June 30, 2015, we did not declare or pay any dividends.  During the six months ended June 30, 2014, we paid regular cash dividends per common share of $0.10 each quarter.  Pursuant to the financial covenants in the Credit Agreement, the regular quarterly dividend is effectively suspended until June 2016.  The suspension imposed by the Credit Agreement will be lifted when the maximum Leverage Ratio, as defined in the Credit Agreement, is reinstated and the Company is able to comply with the covenant.  In addition, the dividend may be suspended due to the lack of statutory surplus under state law.  See Note 5 for additional information.