Credit Risk 37 Changes in Internal Control over Financial Reporting 38 Item 1A. Risk Factors Anti-takeover provisions in our Certificate of Incorporation and our amended and restated by-laws (the "By-laws") could discourage, delay or prevent a change of control of our company and may af ect the trading price of our Class A common stock. Our Certificate of Incorporation and By-laws include a number of provisions that may discourage, delay or prevent a change in our management or control over us even if our s ...