The Corporation and the Subsidiaries carry, or are covered by, insurance in such amounts and covering such risks as the Corporation reasonably believes are adequate for the conduct of the business of the Corporation and the Subsidiaries and the value of their properties and as are customary in the business in which the Corporation and the Subsidiaries are engaged; neither the Corporation nor any of the Subsidiaries has been refused any insurance coverage sought or applied for; and the Corporation has no reason to believe that they will not be able to renew their existing insurance coverage as and when such coverage expires or to obtain similar coverage from similar insurers as may be necessary to continue their business at a cost that would not have a Material Adverse Effect.