New Breakdown of Expenses—What This Means to You  |  Compensation Expense  |  Selling Expenses  |  Operating Expense   |  
Adminstrative Expense   |  Expense Growth Over Prior Year

Expenses (as % of NR)

Average +25% Profit +25% Growth Administrative Expenses Amortization of Intangibles 0.9% 0.9% 0.9% Officer Life 0.6% 1.7% 1.4% Interest 0.6% 0.4% 1.0% Other 2.7% 4.6% 0.5% Total Administrative 4.8% 7.5% 3.8% Total Expenses 79.2% 76.5% 73.0% Pre-Tax Profit (Loss) 20.8% 23.5% 27.0% EBITDA 23.2% 25.7% 29.3%