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

Expenses (as % of NR)

Average +25% Profit +25% Growth Administrative Expenses Amortization of Intangibles 0.9% 0.4% 0.7% Officer Life 0.3% 0.1% 0.2% Interest 0.5% 0.4% 0.7% Other 1.2% 0.0% 2.3% Total Administrative 2.9% 0.9% 4.0% Total Expenses 82.0% 74.5% 83.7% Pre-Tax Profit (Loss) 18.0% 25.5% 16.3% EBITDA 20.7% 26.7% 18.1%