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 1.1% 0.5% 1.0% Officer Life 0.3% 0.1% 0.4% Interest 0.8% 0.0% 0.2% Other 0.2% 0.4% 0.4% Total Administrative 2.4% 1.0% 2.0% Total Expenses 85.0% 73.7% 78.9% Pre-Tax Profit (Loss) 15.0% 26.3% 21.1% EBITDA 18.2% 27.9% 23.4%