1.   Both noninterest income and noninterest expense increased.

2.   And as those expenses increase the total cost of running the building, they decrease the proportion of the maintenance charges that are deductible.

3.   Annual expenses generally increase because fixed expenses are spread over a smaller pool of assets as shareholders redeem shares after the conversion.

4.   As credit card and mortgage expenses increase, consumers tend to lighten up on spending.

5.   As enrollment lagged and profits declined in the recession, production and marketing expenses were increasing and the major publishers started to merge to compete.

6.   At the same time, research and development expenses increased dramatically, in large part because of the clinical trials of the artificial heart.

7.   But expenses increased at twice that rate, because of the high cost of marketing and selling new products.

8.   But expenses were increasing faster than revenues.

9.   Expense increased for employees, technology and communications.

10.   Interest expense also increased in the recent period, according to the filing.