Berkshire's operating businesses are managed on an unusually decentralized basis. However, an insurer's state of domicile has ultimate authority over these matters. State insurance departments stringently regulate private passenger auto insurance. As a result, it is difficult for insurance companies to differentiate their products. These various operations are discussed below. USLI is based in Wayne, Pennsylvania. GUARD also offers complementary professional liability and umbrella products nationwide. BHRG's underwriting operations in the U.S. are based in Stamford, Connecticut. The Paris Agreement formally entered into force November 4, 2016. Despite intense competition, PCC is a leading supplier in most of its principal markets. Products are sold primarily throughout the U.S., Europe and Asia. Intermodal tank containers are leased through EXSIF Worldwide. A significant raw material used by MiTek is hot dipped galvanized sheet steel. Acme's raw materials supply is believed to be adequate. In 2020, approximately 58% of FOL's sales were to five customers. Forest River has numerous manufacturing facilities located in seven states. Forest River held a market share of approximately 37% at that time. Berkshire's service businesses employed approximately 45,000 people at the end of 2020. Information regarding each of these operations follows. BHA also arranges financing for its customers through third-party lenders. NFM is the largest furniture retailer in each of these markets. We share the risk with all businesses. Any of these risks could materially affect our consolidated financial results. Regulatory changes may adversely impact our future operating results.
