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During the year, the Company realigned certain aspects of its European operations. Charges related to the realignment of $12.5 million ($7.8 million after taxes) were recognized and allocated to the International segment. 

During the year, the Company sold $1.5 billion of auto loans to multiple buyers. These transactions resulted in gains of $28.2 million for the Auto Finance segment. These gains were offset in part by compensation expense of $14.5 million ($9.0 million after taxes) that was recognized and allocated to the Auto Finance segment for the accelerated vesting provisions of certain 

## Not C 

Securities available for sale as of December 31, 2002, 2001 and 2000 were as follows: 

restricted stock issued in connection with the acquisition of PeopleFirst, Inc. (“PeopleFirst”). 

During the third quarter, the Company expensed $38.8 million ($24.1 million after taxes) related to the early termination of leases, unused facility capacity, and accelerated depreciation of related fixed assets. The Company allocated $35.3 million of these expenses to the Consumer Lending segment, $1.5 million to the other caption, $1.1 million to the Auto Finance segment, and $.9 million to the International segment. 

## Securities Available for Sale 

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<img src='content_image/33592.jpg'>

The distribution of mortgage-backed securities and collateralized mortgage obligations is based on average expected maturities. Act ual maturities could differ because issuers may have the right to call or prepay obligations. 

Weighted average yields were determined based on amortized cost. Gross realized gains on sales of securities were $96.9 million and $19.1 million for the years ended December 31, 2002 and 2001, respectively. Gross realized losses were $19.4 million and $5.6 million for the years ended December 31, 2002 and 2001, respectively. Substantially no gains or losses on sales of securities were realized for December 31, 2000. 

