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Manchester Injury Lawyers: Rear-End Collisions

Rear-End Collisions

The Manchester injury lawyers at Manning & Zimmerman Law know that for a number of years, car crashes were declining due to several factors. This includes the manufacturing of automobiles with advanced safety devices such as anti-lock brakes, stability control, and multiple airbags. Recently, however, the incidence of collisions on American roadways has increased sharply.  According to the U.S. Department of Transportation, 37,461 people died on American roadways in 2016, a 5.6 percent hike over 2015.

Research has shown that one of the major factors in this rise is collisions caused by drivers who are distracted behind the wheel, primarily, though not exclusively, from the use of hand-held devices. Texting, phone calls, searching for music, and many other distractions have fueled the spike in crashes, many of which are collisions to the rear-end of vehicles that have come to a stop.

Rear-end collisions have always been one of the most common types of auto accidents, but in the past few years they have been occurring more frequently due to the increase in distracted driving. Most rear-end collisions occur when the stopped vehicle is waiting in traffic, waiting to turn left or right, or waiting for a light to change, and the driver is struck from behind by someone who is distracted and not focused on the road ahead.

Manchester injury lawyers

Police Reports and Insurance Companies

The police report written following a crash will frequently place fault on the moving vehicle, usually for following too closely or for inattentiveness.  The driver of the moving vehicle will often admit liability to the police officer, you, or other witnesses.

Insurers usually pay considerable attention to police reports.  However, sometimes insurance carriers or their defense attorneys will claim no liability due to sudden and unexpected stopping, failure to signal when stopping to turn, not yielding before pulling into traffic, or brake defect.

Assessing Liability in Rear-End Collisions

The  experienced Manchester injury lawyers at the Law Office of Manning & Zimmerman, PLLC will want to learn about the following items when assessing the certainty of liability in your rear-end collision:

    • Vehicle position. Was your car stopped in traffic, waiting for a light to change, turning left or right, slowing down for traffic, waiting to turn into a driveway, etc.?
    • The other driver’s speed. What was the approximate speed of the vehicle that struck you?
    • His or her following distance. Did you see how far away the colliding vehicle was before the crash?
    • Your use of turn signals. If you were about to turn, did you have your turn signal on?  If so, for how long?
    • The vehicle damage. Is the damage to each car minimal, moderate, or severe?  Do you have any pictures?
    • Any driver statements. Did either you or the other driver say anything about fault at the scene?
    • The existence of witnesses. Were there any impartial witnesses to the accident?
    • Any alcohol use. Were either you or the other driver drinking prior to the accident?
    • Any credible passengers. Did either car have other riders?  How persuasive are their accounts of the accident?
    • The driving conditions. Was the road slippery due to rain or snow?  Was it sunny, dark, foggy, or stormy?
    • The functioning of your lights. Were your signal and brake lights working?
    • Any defenses. Is the insurer suggesting that brake defect, icy conditions, sun in the other driver’s eyes, or your failure to signal is to blame?

Contact the Manchester Injury Lawyers at Manning & Zimmerman Law Today

If you have been injured in a New Hampshire motor vehicle collision, it is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too. To contact the experienced Manchester injury lawyers at the Law Office of Manning & Zimmerman for a free consultation, call (603) 239-2315, complete a request for a consultation or chat with us on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

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NH Injury Lawyers Discuss Home Safety

Make Your Home Safer with the “Three-F” Safety Check

According to the NH injury lawyers at Manning & Zimmerman Law, about 146,571 people died from unintentional injuries in 2015. The National Safety Council reports that many of these injuries were suffered at home. Safety check your home for the three F’s; Fires, Falls and Firearms.

nh injury lawyers
Sawdust is highly combustible. Remember to clean up!

Fires

According to the National Fire Protection Association, there were more than 380,000 residential fires in 2015. Most of us know common sense fire safety rules: don’t let candles burn unattended, unplug curling irons or space heaters when not in use, don’t overload outlets, etc.  Also consider:

  • Wiring: Poorly installed or old wiring is a hidden danger. One way to prevent electrical fires is to replace old circuit breakers with arc-fault circuit interrupters. These inexpensive safeguards detect dangerous electrical arcs, abnormal power surges that signal bad insulation or loose connections and break the circuit.
  • Kitchen Clutter: Almost 51 percent of home fires are caused by cooking in the kitchen. Items like kitchen towels, pot holders, and cook books can ignite quickly. Maintain a three-foot zone between any combustible items and your burners, and keep a kitchen fire extinguisher nearby.
  • Clothes Dryer: Lint buildup can spell disaster. Clean out lint traps after ever dryer use and make sure to regularly check for lint in the dryer cabinet, located in the back or bottom of the machine. The vent pipe should also be cleaned out every three months.
  • Excessive Sawdust: Sawdust burns quickly and easily. Regularly clean up with a vacuum designed for combustible dust. Also, avoid using compressed air to blow around dust – propelling it into the air can cause it to ignite.

Falls

The National Safety Council reports that 33,000 Americans died from falls in 2015. A majority of those deaths were suffered by people over age 65.

  • Clean up clutter: Scarves, hats, boots, oh my! Pulling off your cold weather gear and dumping it on the floor creates a tripping hazard. Put away anything that you or others may stumble over.
  • Keep walkways clear: Ice and snow on driveways and sidewalks can be hazardous to you or your visitors. Keep up on snow removal, and use salt when icy.
  • Avoid loose or ill-fitting clothing: Oversized clothes can easily cause a tumble for older Americans. Pants should be properly hemmed so they don’t drag on the ground.
  • Wear footwear with a sole: Shoes or slippers with a good sole are much safer to walk in than fuzzy socks that slip and slide.

Firearms

nh injury lawyers
Lock and store guns and ammunition separately.
  • UNLOADED firearms should be stored in a locked cabinet, safe, gun vault, or storage case that is inaccessible to children.
  • Gun locking devices are a good second security measure that can be used in addition to locked storage.
  • Ammunition should be stored in a locked location separate from firearms.
  • Thoroughly double check firearms to confirm that they are unloaded when put in or taken out of storage.

Injured? Contact the NH Injury Lawyers at Manning & Zimmerman

If you or a loved one have been injured through no fault of your own, it is essential that you have competent NH injury lawyers representing you from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too! The experienced NH injury lawyers at the Law Office of Manning & Zimmerman are ready to represent you immediately.  Call (603) 624-7200 today for a free initial consultation, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

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NH Injury Lawyers Praise Organizations That Make a Difference

NH Injury Lawyers: We’re Proud to Join the Nation’s Soldiers for Justice

There are a lot of extraordinary people and organizations dedicated to protecting the safety and legal rights of Americans. Of course our brave clients who decide to stand up for their rights are the first line of defense in holding corporations and powerful special interests accountable. Then there are those legislators and public servants throughout the nation who hold strong for consumer rights and protections. This month the NH injury lawyers at the Law Office of Manning & Zimmerman, PLLC highlight several national organizations that have stood unfailingly for civil rights and safety for all of us regardless of party or politics.

The 2017 Justice Served Awards honor each of these groups for their commitment to a safer, more just America. Check them out!

 

NH injury lawyers

Located at New York Law School, the Center for Justice & Democracy is the only national consumer organization in the country exclusively dedicated to protecting the civil justice system. It investigates and exposes attacks on judges, juries, injured consumers, and attorneys by powerful corporations and special interests. The Center also raises public awareness and support for the civil justice system and combats the dangerous campaign behind the so-called “tort reform” movement. The Center believes that “America’s civil justice system is one of the only places left in America where individual citizens can successfully challenge powerful industries and institutions and hold them accountable.”

NH injury lawyers

Founded in 1971 and based in Washington, DC, Public Citizen “serves as the people’s voice in the nation’s capital.” The organization champions citizens’ interests before Congress, the executive branch agencies, and the courts. Through its five policy groups – Congress Watch, the Energy Program, Global Trade Watch, the Health Research Group, and the Litigation Group – Public Citizen fights to make sure government works for the American people and not corporate power.

NH injury lawyers

Consumers Union is the policy and action division of Consumer Reports magazine. It works with its activists and alongside subscriber input to pass consumer protection laws in the states and in Congress. It holds dangerous and unsafe corporations accountable and celebrates those who put their consumers first. Consumers Union has helped pass consumer protection laws for healthcare, financial services, the food and agriculture industry, clean energy, the auto industry, and more.

 

NH injury lawyers

The Consumer Federation of America is an association of non-profit consumer organizations established in 1968 to advance the consumer interest through research, advocacy, and education. Nearly 300 diverse state and national advocacy groups participate in the federation and govern it through their representatives on the organization’s Board of Directors.

 

NH injury lawyers

Workplace Fairness is a non-profit organization working to preserve and promote employee rights. It believes that fair treatment of workers is sound public policy and good business practice. Workplace Fairness also supports and creates comprehensive, unbiased information about workers’ rights in order to empower employees everywhere. With this information, Workplace Fairness educates workers and organizations and advocates for fairness through awareness and public policy.

 

NH injury lawyers

Founded by Paul Steiger, former managing editor of the Wall Street JournalProPublica is an independent non-profit newsroom that produces investigative journalism in the public interest. These investigations shine a light on exploitation and work to create positive change. ProPublica is a non-partisan organization that works to adhere to strict standards of journalistic impartiality. It does not ally with any politicians or advocacy groups in order to provide an unbiased look at businesses, government, unions, education systems, healthcare organizations, and the media.

 

NH injury lawyers

The Leapfrog Group is a national non-profit organization focused on improving the quality and safety of American health care. Its Leapfrog Hospital Survey program collects and transparently reports hospital performance, empowering purchasers to find the highest-value care and giving consumers the lifesaving information they need to make informed decisions. The Leapfrog Hospital Safety Grade, Leapfrog’s other main initiative, assigns letter grades to hospitals based on their record of patient safety, helping consumers protect themselves and their families from errors, injuries, accidents, and infections.

 

NH injury lawyers

Safe Kids Worldwide is a global organization dedicated to protecting kids from unintentional injuries, the number one cause of death to children in the United States. Safe Kids does this through research reports, education, and awareness programs and safety focused public policy. Since 1988, the work of Safe Kids has helped reduce the U.S. childhood death rate from unintentional injury by 60 percent.

 

Injured? Contact the NH Personal Injury Lawyers at Manning & Zimmerman

If you or a loved one have been injured through no fault of your own, it is essential that you have competent NH injury lawyers representing you from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too. The experienced NH injury lawyers at the Law Office of Manning & Zimmerman, PLLC are ready to represent you immediately.  Call (603) 624-7200 today for an initial consultation.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

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Krista, a New Hampshire personal injury client

Anna was amazing. She took over my case when the original lawyer had parted from the firm. She was fully knowledgeable of my case and really worked hard for me. She always made sure I was aware of what was going on and even made sure I was feeling okay before she settled my case. I had a case going for a while and the firm even sent me birthday cards on my birthday. I had to have surgery and they sent me a get well card. This is a law firm and a lawyer who truly cares about you and not just about the money. I was so nervous about even going through this but she made the process personal and simple to where I felt comfortable and trust worthy of my case. I would hands down recommend her and the law firm to anyone who needs a lawyer and law firm that will fight for you and make you feel like you are the only case they have.

Contact New Hampshire Personal Injury Attorneys for a Free Consultation

If you or a loved one have been injured through no fault of your own, it is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too! Attorneys Maureen Manning and Anna Zimmerman have a combined total of more than 50 years representing injury victims and would be glad to speak with you about you case.

For a free consultation, contact the experienced New Hampshire personal injury attorneys at the Law Office of Manning & Zimmerman at (603) 239-2489, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Experienced, Knowledgeable & Personally Committed to Justice

NH Injury Law Firm Announces Recipients of College Scholarships

Manning and Zimmerman 7th Amendment Scholarship Recipients

NH injury law firm

The NH injury law firm of Manning and Zimmerman is pleased to announce the recipients of their 7th Amendment scholarship program. Following the submission of a tremendous number of applications, the firm carefully considered each entry and is pleased to announce that the recipients of the two $1,000 Manning & Zimmerman 7th Amendment scholarships for 2017 are Austin Woodward of Groveton High School and Shane Coughlin of Alvirne High School. Austin and Shane submitted  essays that displayed a depth of knowledge of the 7th Amendment and the importance of every American citizen’s right to a trial by jury. Congratulations Austin and Shane and best of luck as you begin your college careers!

About the NH Injury Law Firm of Manning Zimmerman

The New Hampshire personal injury attorneys at the NH injury law firm of Manning & Zimmerman have a combined total of more than 50 years representing those who have been injured through no fault of their own. For a free initial consultation, NH injury victims can contact the firm by phone at (603) 239-2489, complete a contact form on the firm’s website, or send an email.

To subscribe to the firm’s newsletter, click here.  The firm is also on Facebook and can be followed on Twitter.

Experienced, Knowledgeable & Personally Committed to Justice

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New Hampshire Personal Injury Lawyers Offer Insurance Company Insights

The New Hampshire personal injury lawyers at the Law Office of Manning & Zimmerman, PLLC know that if you’ve ever had to file an insurance claim, frustration seems baked right into the maze of endless forms and confusing small print. Companies that once lived up to their promise to “be on your side” when disaster strikes dramatically shifted business practices in the 1990s to meet Wall Street demands for short-term profits. The result is chronicled in the book Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It by distinguished Rutgers law professor Jay Feinman. Not surprisingly, insurance companies are recording astronomical profits. Here’s how it works:

Delay, Deny, Defend: Profits Over People

new hampshire personal injury lawyers
Endless forms, arbitrary rules and a sea of fine print discourage claims

Trick #1: Deny, Deny, Deny Claims
The New Hampshire personal injury lawyers at Manning & Zimmerman know that insurance companies will outright deny that a crash occurred or that the policyholder was seriously injured. Some companies even offer gifts and bonuses to employees who deny claims and keep payments to a minimum. Arbitrary rules will crop up, often referencing provisions that do not exist or that contradict a previous statement. The hope is that denial after denial will defeat and deflate claimants, making them feel they have no choice but to throw in the towel.

Trick #2: Delay Paying as Long as Possible … Even Until Death
You’ve jumped through all the hoops and the insurance company has agreed to pay the claim, so you can rest easy, right? Think again. Delaying payment is another common tactic to boost profits. Insurance companies have been known to send out incorrect forms and then blame claimants for the error, or set very short time limits on when a claim can be made after an accident, injury or illness. In cases involving elderly or gravely ill claimants, some insurance companies have even delayed payments in hopes that the customer dies before they have to pay.

Trick #3: Defend in Court
Following a denied claim or a delayed payment, insurance companies know they can further delay writing a check by defending their questionable tactics in court. Billions of dollars in profits and thousands of high-priced lawyers on the payroll means they are always ready for a trial. Insurance companies know that many of their customers may be afraid or unwilling to hire a lawyer, and they use that fear to convince claimants that a court battle would only end in an insurance company victory.

Getting Paid What You Deserve

New Hampshire personal injury lawyers
Forcing a claimant to sue for benefits owed is one way insurance companies fail their customers

What can a David do against these insurance company Goliaths? Here are some tips on what to do before, during, and after making a claim to an insurance company:

  • Pick a reputable company: It pays to do a little homework before you sign on the dotted line. Start with this list of best/worst insurers ranked on claim denials and bad-faith practices.
  • Read your policy carefully: You should know exactly what is covered and what you need for an appeal in case your claim is denied.
  • Double- and triple- check forms: An incorrectly filled-out form can be used by an insurance company to deny or delay claims. Past forms can even be used as a way to retroactively deny coverage. Be thorough and honest on every piece of paper you fill out.
  • Do not cash the check right away: Insurance companies will send checks with very low offers, or pay premium refunds if they rescind your coverage. Cashing these checks can be legally interpreted as accepting their offers.
  • Get everything in writing: If you need to fight your insurance company, you must be able to produce every bill, form and piece of correspondence.
  • Reach out for help: An experienced plaintiff’s lawyer can guide you through your claims process and provide the firepower necessary to challenge the insurance company in court if necessary.

Contact Experienced New Hampshire Personal Injury Lawyers

If you have been injured through no fault of your own, it is essential that you have competent legal representation from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too! The experienced New Hampshire personal injury lawyers at the Law Office of Manning & Zimmerman, PLLC offer free initial consultations to NH injury victims. Call us at (603) 239-2489, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Experienced, Knowledgeable & Personally Committed to Justice

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Playground Injuries Attorneys: Be Safe and Have Fun

Tips to Keep Kids Safe on Playgrounds

playground injuries

According to the Centers for Disease Control (CDC), at least 200,000 children age 14 or younger are treated in emergency rooms each year for playground injuries. More than 10 percent of these are traumatic brain injuries (TBIs), and the rate of TBIs is rising.

Because public playgrounds are numerous and easily accessible, most kids spend their time on these rather than private playgrounds. Thus, the largest percentage of playground injuries take place on public facilities. In fact, it is estimated that seventy-five percent of playground injuries take place on public playgrounds. Monkey bars and climbing equipment are responsible for the highest number of injuries.

But despite the risks, we know kids love playgrounds and benefit from the exercise and social interaction. The good news: Adults can play a key role in keeping kids safe on their favorite playgrounds with these tips and resources:

Keep Your Kids Safe With These Tips

Pedestrian
Here are four top risks that cause playground injuries. Click for full size.
  • Areas underneath the equipment, known as fall surfaces, should be made of soft material such as wood chips, mulch, sand or rubber.
  • Inspect equipment for any piece (especially metal) that may be hot from the sun.
  • Watch for hazards or protrusions like bolts, hooks, stumps or rocks that could trip or cut children.
  • Look for neglected maintenance, such as rusty or broken equipment.
  • Make sure kids wear safe clothing. No loose scarves or hoodies with drawstrings, as these can become a strangulation hazard if entangled with equipment. Shoes should be comfortable for play and protect feet, like sneakers. Tie long hair back as well.
  • Make sure there are strong and sturdy guardrails to prevent falls.
  • Your children should be using age-appropriate equipment. Read all playground signs for warnings and instructions.
  • Most importantly, the best way to prevent injuries is parental supervision. Talk to your kids about appropriate playground behavior before you visit the playground and watch them while you’re there.

More Resources for Safe Playgrounds

To ensure your local playground is safe, the National Recreation and Parks Association has a network of Certified Playground Safety Inspectors (CPSI). The CPSI certification program provides comprehensive and up-to-date training on playground safety issues, including hazard identification, equipment specifications, surfacing requirements and risk management methods. To find your local CPSI, click here.

A thorough playground safety checklist and ranking tool, created by the National Program for Playground Safety, can be found here. If you see safety hazards or poorly maintained equipment, reach out to the owner as soon as possible. In most cases, this will be a school or park district.

Keeping our kids safe while out on the playground is an issue we can all get behind, and one that benefits the community as a whole. So let’s all get out there and have some fun!

Contact NH Playground Injuries Attorneys

If your child has been negligently injured on a playground, it is essential that you have competent legal representation from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too! The New Hampshire playground injuries attorneys at the Law Office of Manning & Zimmerman, PLLC offer free initial consultations for NH injury victims. Call us at (603) 239-2489, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Experienced, Knowledgeable & Personally Committed to Justice

NH car accident lawyers

Here’s What You Should Do After a Crash

Vehicle accidents are an unfortunate reality in America. While injuries and deaths have been on the decline for several years, the trend has reversed this year. The NH car accident lawyers at the Law Office of Manning & Zimmerman, PLLC urge you to be prepared to protect your interests if you or a loved one are injured in a crash.

First 10 Minutes, First 10 Hours

As the NH car accident lawyers at the Law Office of Manning & Zimmerman know, keeping a level head after a crash isn’t easy, especially if there are injuries involved. First priority: make sure that help is on the way for anyone who needs medical attention. Then take steps to protect your interests. Learn how with this guide on what to do if you are involved in a roadway crash.

By The Numbers

An estimated 32,675 people were killed in motor vehicle crashes in 2014, down slightly from 2013 but up from a record low of 32,479 in 2011. Source: NHTSA Data Resource Website

More than 1.7 million people participate annually – 67 million since 1964 – in the National Safety Council’s (NSC’s) defensive driving program. Click here to download NSC defensive driving tips. Source: Defensive Driving, National Safety Council

While two in three drivers report talking on a cell phone and driving in the past 30 days, nearly three in five say such behavior by other drivers is a serious threat to their own personal safety. Source: 2013 Traffic Safety Culture Index, AAA Foundation for Traffic Safety

New Avoidance Technologies Reduce Crashes

Crash avoidance technologies, such as automatic braking systems and adaptive headlights, are preventing accidents according to the Insurance Institute for Highway Safety. Read more about these new technologies (download report).

Decade of Action for Road Safety

The National Safety Council is urging all Americans to get involved in the Decade of Action for Road Safety 2011–2020, an initiative of the World Health Organization. The goal: prevent road traffic deaths and injuries that could take the lives of 1.9 million people annually by 2020.

Graduated Driver Licensing Saves Lives

Motor vehicle crashes are the number-one cause of death for teens. Graduated Driver Licensing (GDL) reduces the crash risk for new teen drivers 20 to 40 percent by emphasizing experience while minimizing hazards like nighttime driving. Look up GDL laws in New Hampshire.

Get a Free 10 Minutes, 10 Hours Wallet Card

Make sure important information is handy when you need it with our free 10 Minutes, 10 Hours  wallet card on what to do after a vehicle accident. Perfect for your wallet, handbag or glove box.

 Talking the Issues

Check out podcasts featuring topics from past issues of You Should Know  and subscribe to future shows via iTunes or RSS feed.

Contact Experienced NH Car Accident Lawyers

If you have been injured in a crash, it is essential that you have competent legal representation from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too! The experienced New Hampshire personal injury attorneys at the Law Office of Manning & Zimmerman, PLLC offer free initial consultations to NH injury victims. Call us at (603) 239-2489, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Experienced, Knowledgeable & Personally Committed to Justice

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New Hampshire Personal Injury Attorneys Selected a “Best Law Firm”

The New Hampshire personal injury attorneys at the Law Office of Manning & Zimmerman, PLLC new hampshire personal injury attorneys are honored to have been selected a “Best Law Firm” by U.S. News & World Report for 2017. Rankings for this recognition “are based on a rigorous evaluation process that includes the collection of client and lawyer evaluations, peer review from leading attorneys in their field, and review of additional information provided by law firms as part of the formal submission process.”

Experienced New Hampshire Personal Injury Attorneys

Attorneys Maureen Raiche Manning and Anna Goulet Zimmerman have a combined 50 years of experience representing those who have been injured through no fault of their own. They are joined in the practice of law by associate attorney Michaila Oliveira who handles divorce and family law cases at the firm.

There are no up-front costs for our services. All personal injury cases are handled on a contingency basis, meaning that we are only paid for our services if we successfully recover damages from the responsible party. For a free consultation, call (603) 239-2315, email us at info@manningzimmermanlaw.com, or use the “contact us” form or chat feature on our website.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Website Helps Disabled Reduce Living Expenses

According to the federal government’s census website, people living with a disability make up almost 20% of our population and are more than twice as likely to experience persistent poverty. To help reduce costs, Coupon Chief has created a guide that offers a great deal of information on different discount programs available to these individuals. The NH personal injury attorneys at the Law Office of Manning and Zimmerman, PLLC are pleased to share this information to help those living with disabilities with their day-to-day living expenses.