This Annual Report on Form 10-K contains forward-looking statements. In 2020, DBMG\'s two largest customers represented approximately 18.6% of revenues. However, large and more complex projects can often last two years or more. MarketingSales managers lead DBMG's sales and marketing efforts. Competition also places downward pressure on DBMG's contract prices and margins. Chronic kidney disease is estimated to affect more than 850 million people worldwide. In exchange, MediBeacon will receive royalty payments on net sales of the TGFR system. Clinical research in this area is still underway. Many of these features will be available to mobile devices. All life insurance and annuity products are closed to new business. Life, Accident and Health Reserves of the "Notes to Consolidated Financial Statements. The TDOI responded on March 1, 2021 expressing no concern with the extension request. Infrastructure SegmentDBMG is dependent on its workforce to carry out its services. The ability to retain key personnel is important to our success and future growth. The ownership changes may impact the timing of our ability to use these losses. As a result, DBMG's margins may be adversely impacted by such cost increases. DBMG generally does not have long-term contracts with its suppliers. DBMG's failure to obtain or maintain required licenses may adversely affect its business. DBMG's business may be adversely affected by bonding and letter of credit capacity. Many of these factors are outside of our Insurance segment's control.
