15.Concentrations of Credit Risk

 

We maintain most of our cash with one financial institution.  As of November 1, 2008, the Federal Deposit Insurance Corporation (“FDIC”) introduced the transaction guarantee program which guaranteed non-interest bearing accounts without limit.  The FDIC program is temporary and only offered through participating financial institutions.  Our primary financial institution participated in this program and, therefore, all cash balances held with this institution as of December 27, 2014 are insured.

 

Our primary concentration of credit risk is related to certain trade accounts receivable.  In the normal course of business, we extend unsecured credit to our customers.  We investigate a customer’s credit worthiness before extending credit.  At December 27, 2014 and December 28, 2013, three customers accounted for 39% and 35% of accounts receivable, respectively.