Legal Proceedings.
−Removed: The nature of our business routinely results in litigation, primarily involving claims for personal injuries and property damage incurred in the transportation of freight.
−Removed: We believe that all such routine litigation is adequately covered by insurance and that adverse results in one or more of those cases would not have a material adverse effect on our financial condition.
+Added: We are involved in certain claims and pending litigation arising from the ordinary conduct of business.
+Added: We also provide accruals for claims within our self-insured retention amounts.
+Added: On September 1, 2019, we elected to become self-insured for certain layers of auto liability claims in excess of $1.0 million for which we previously maintained auto liability insurance coverage.
+Added: On September 1, 2020, we elected to become self-insured for certain layers of auto liability claims in excess of $2.0 million.
+Added: We currently specifically reserve for claims that are expected to exceed $2.0 million when fully developed, based on the facts and circumstances of those claims.
+Added: Based on our knowledge of the facts, and in certain cases, opinions of outside counsel, we believe the resolution of such claims and pending litigation will not have a material effect on our financial position, results of operations or cash flows.
+Added: However, if we experience claims that are not covered by our insurance or that exceed our estimated claim reserve, it could increase the volatility of our earnings and have a materially adverse effect on our financial condition, results of operations or cash flows.
+Added: We are a defendant in a lawsuit which was filed on August 6, 2021, in the United States District Court for the Western District of Arkansas.
+Added: The plaintiff is a former driver and is seeking class certification.
+Added: The complaint alleges failure to pay minimum wage under the Fair Labor Standards Act and the Arkansas Minimum Wage Act, violations of the Electronic Funds Transfer Act (EFTA), violations of the Arkansas Wage Payment Law (discharge pay and unlawful, usurious advance fees), violations of the Arkansas Common Law, and violations of the Racketeer Influenced and Corrupt Organizations Act (RICO). 
+Added: Should this lawsuit be certified as a class action, to include similarly situated drivers as the plaintiff, the class will seek actual and liquated damages to include court costs and legal fees associated with the lawsuit.
+Added: The class, if certified, will include any company driver employed from January 1, 2020 through the present and ongoing.
+Added: A mediation was held on January 14, 2022 in an attempt to resolve the case but was unsuccessful.
+Added: Management has determined that any losses under this claim will not be covered by existing insurance policies.
+Added: Risk Factors.
+Added: There have been no material changes to the Company’s risk factors as previously disclosed in Item 1A to Part I of the Company’s Annual Report on Form 10-K for the year ended December 31, 2021.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.