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(Click for frequent words.) 74 receivable balances 70 accounts receivable 66 receivables 64 nonaccrual loan 64 NOL carryforwards 64 LibertyBank Acquisition 63 unbilled revenue 63 incentive accruals 63 uncollectible accounts receivable 62 uncollectable receivables 62 OREO properties 62 unevaluated properties 62 unfavorable variances 62 unbilled receivables 62 OTTI charges 61 OREO write downs 61 LIFO adjustment 61 lien RMBS 61 uncollected receivables 61 depreciable asset 60 net chargeoffs 60 operatingincome 60 FDIC indemnification 60 MFB Corp 60 reinsurance recoverables 60 Impaired loans 60 nonaccruals 60 OTTI charge 60 adequately collateralized 60 nonperforming assets NPAs 59 c Calculated 59 doubtful accounts receivable 59 Interest Expense Interest expense 59 nonaccruing loans 59 deemed uncollectible 59 uncollectible receivables 59 nonperforming asset 59 undrawn revolver 59 accruals 59 debt extinguishments 59 PDP MLR 59 noncash accounting 59 FHLB advances decreased 59 Barrett NDEx 59 Real Estate Owned OREO 59 CDO financings 59 Interest expense decreased 58 adopting SFAS #R 58 Partnered Brands segment 58 mortgage loan originations 58 uncollectible accounts 58 carryforwards 58 reinsurance receivables 58 Chemicals Segment 58 DAC unlocking 58 Crisa acquisition 58 receivables securitization 58 chargeoff 58 noninterest expense decreased 58 Surface Specialties acquisition 58 FSAH acquisition 58 ONEOK Partners segment 58 DSOs 58 d Represents 58 nonaccrual loans 58 NOL carryforward 58 DPAC amortization 57 IDT Carmel 57 Lasertel subsidiary 57 estimated undiscounted 57 principal paydowns 57 FDIC indemnification asset 57 Unizan merger 57 loss NOL carryforward 57 borrowable resources 57 markdown allowances 57 LAE reserves 57 Hesperion acquisition 57 unamortized portion 57 outstanding DSOs 57 balance UPB 57 amortization expense 57 loss carrybacks 57 OTTI write downs 56 securitized receivables 56 Vacation Interval sales 56 undepreciated assets 56 ceded reinsurance 56 IBNR reserves 56 warranty accruals 56 defeased loans 56 Stendal mill 56 paydowns 56 MetaPower International 56 loan chargeoffs 56 realizability 56 unamortized premiums 56 accretable yield 56 non accrual 56 #.#/BOE [002] 56 c Represents 56 TEB adjustment 56 Noninterest expense decreased 56 owned OREO 56 unamortized deferred financing 56 calculate DSO 56 Halotron revenues 56 Visa indemnification 56 FUEL CHEM segment 56 accretable 56 Ps.3 56 #,# ADMTs 56 accrual 56 impacting comparability 56 Gujiao facility 56 intangible impairment 56 contractual minimums 56 Fine Chemicals segment 56 BPE Segment 56 PGP Acquisition 56 loans receivable 56 notes receivable 56 intercompany receivables 56 invoiced shipments 56 nonperforming assets 55 receivables securitization facility 55 netincome 55 HealthStream Learning 55 subaccounting fees 55 unfavorable variance 55 nonrecurring expenses 55 LIFO inventory valuation 55 revolver borrowings 55 receivable 55 Preneed funeral sales 55 vintage subprime RMBS 55 millioncompared 55 invisibles surplus 55 stock basedcompensation 55 valuation allowances 55 Adjusted EBITDA excludes 55 cardmember lending 55 ALLL 55 NETg acquisition 55 GSCT program 55 voluntary prepayments 55 Lease Losses ALLL 55 efficiency ratio teb 55 financing leasebacks 55 hedge ineffectiveness 55 LIFO inventory 55 bonus accruals 55 f Represents 55 OREO valuation 55 f Reflects 55 Cleartel 55 noninterest expenses 55 continuingoperations 55 charge offs 55 MDP Transaction 55 Ps.7 55 accounts receivable securitization 55 nonaccrual status 55 MCDL 55 Xantic acquisition 55 unamortized deferred 55 Pigments segment 55 distort comparability 55 noninterest bearing deposit 55 Katonah Debt Advisors 55 loan outstandings 55 Possible Loan Losses 55 nondividend distribution 55 earnout payment 55 balance sheet securitizations 55 CMBS collateral 54 Partially offset 54 Accounts receivables 54 noncash goodwill 54 Net chargeoffs 54 recoverables 54 accrual status 54 dealer floorplan ABS 54 outstanding DSO 54 c Relates 54 unabsorbed overhead 54 Tecstar Automotive Group 54 CHF #'#'# 54 LIFO accounting 54 FHLB borrowings 54 prioryear 54 securitized accounts receivable 54 unitholder distributions 54 thequarter 54 Medicare Advantage MLR 54 receivables payables 54 iii Ps 54 intangible assets impairment 54 Timeshare segment 54 uncollectible 54 Domilens 54 amortizable intangible assets 54 MSR impairment 54 marketable securities 54 voluntary prepayment 54 currency remeasurement 54 SHFAs 54 nondeductible expenses 54 Petrofund merger 54 operating income1 54 deferred loan origination 54 Loss severities 54 infrequently occurring 54 b Reflects 54 ECU netbacks 54 inventory obsolescence 54 inventories revalued 54 temporary impairment OTTI 54 ended September# 54 cash flows 54 Filtran Microcircuits Inc. 54 uncollectible receivable 54 Noninterest Expense Noninterest expense 54 aftertax gain 54 unamortized financing 54 Ps.4 53 accruing loans 53 Fabricated Products segment 53 AMPAC ISP Holdings 53 UILIC 53 prepayments 53 lease terminations 53 railcar deliveries 53 reasonably estimable 53 valuation adjustments 53 cardmember spending 53 adjusted EBITDAS 53 Astaris joint venture 53 LIFO expense 53 loss carryforward 53 JMP Credit 53 LIFO inventory reserve 53 Fixed annuity 53 dealer holdback 53 Ps.5 53 recourse indebtedness 53 DiaMed acquisition 53 nonaccruing 53 NOI DSCR 53 PLRMBS 53 Evaporative Cooling segment 53 Nonperforming loans totaled 53 Lubrizol Additives segment 53 loss carryforwards 53 actuarial liabilities 53 SmartGrowth Deposits 53 PGS Onshore acquisition 53 IREX joint venture 53 GBP #.#m [003] 53 theprior 53 LIFO adjustments 53 intercompany loans 53 c Consists 53 SFSB transaction 53 DSCRs 53 Individual Annuities segment 53 doubtful accounts 53 thefourth quarter 53 share repurchase authorizations 53 Variable annuity 53 financialstatements 53 adjusted EBITDAR 53 condensed consolidated balance sheets 53 Sales Outstanding DSO 53 Explosive Metalworking segment 53 intangible impairments 53 OREO 53 Ps.3 #.# 53 nonaccrual 53 expenses totaled Ps 53 realizable value 53 accretion expense 53 Loan originations 53 Rosebel royalty 52 Scantron segments 52 receivables factoring 52 Noninterest expense totaled 52 OshKosh wholesale 52 asset impairments restructuring 52 ceding commissions 52 notional amounts 52 reasonably determinable 52 compensation accruals 52 ofapproximately 52 securitization trusts 52 refranchising transactions 52 Clinical Diagnostics segment 52 NSF OD 52 nondeductible portion 52 temporary impairments OTTI 52 chargeoffs 52 Acquired Intangible Assets 52 earnout payments 52 netsales 52 Movado boutiques 52 Zero Coupon Convertible Notes 52 Prepaid churn 52 principally attributable 52 Fitch BBB medians 52 noncash goodwill impairment 52 Adjusted FIFO EBITDA 52 SmartGrowth deposits 52 #compared 52 Broadway Ticketing 52 TFG CLO investments 52 nonperforming loans 52 downward repricing 52 undepreciated 52 lease originations 52 asset monetizations 52 EnPro consolidated 52 CMHC insured mortgages 52 unamortized issuance costs 52 CAD#.# billion 52 SmartMusic subscription 52 paydown 52 PMPS brand 52 Nonperforming assets totaled 52 noninterest expense 52 RMBS exposures 52 noncash pretax charge 52 Refractories segment 52 b Excludes 52 Hemagen 52 ABL Facility 52 undrawn revolving credit 52 FIFO inventory 52 origination volumes 52 earnings pershare 52 EUR -#.# -#.# [001] 52 Electricity Metering 52 unrealized derivative gain 52 obj obj = 52 receivable securitization 52 shippable backlog 52 Newsprint expense 52 leaseback transactions 52 capital expenditures 52 CREL DI 52 nine monthsended 52 aftertax charge 52 Blended churn 52 preneed cemetery 52 securitized cardmember loans 52 dry dockings 52 retrospectively adjusted 52 floorplan lenders 52 nonroutine income 52 unrealized losses 52 Newsstand Distribution Services 52 EURO#.# [001] 52 Negative Rating Watch 52 frac spreads 52 Promotions.com subsidiary 52 SigmaKalon acquisition 52 depreciable assets 52 EPADS estimates 52 NMHG Retail 52 undiscounted cash 52 Marbob acquisition 51 unbooked resource potential 51 EPADS estimate 51 repricing downward 51 Drivetrain segment 51 loan participations 51 RAPTIVA R 51 borrowable funds 51 nonperforming assets totaled 51 excluding goodwill impairment 51 Ps.6 51 nonrevolving 51 Brooks Eckerd acquisition 51 early extinguishments 51 upholstery fabrics segment 51 Cobalt Gordian 51 MtM impacts 51 nonGAAP 51 maturing FHLB advances 51 Steel narrows 1Q 51 Receivables 51 goodwill impairment 51 AmericanSingles segment 51 nonperforming loans NPLs 51 MMCFEPD 51 remeasurement 51 non capitalizable 51 Pledged revenues 51 noncash impairments 51 Capstead 51 Pro forma Adjusted EBITDA 51 Rs.#.#cr 51 identifiable intangible assets 51 Business.com Acquisition 51 carryforward 51 Preprint revenues 51 DSD Dairy segment 51 noncurrent assets 51 noninterest bearing deposits 51 EFT Processing Segment 51 FSAH Acquisition 51 indebtedness incurred 51 Sirton 51 repossessed assets 51 noncurrent 51 DAC unlock 51 DSRF 51 Mortgage loan originations 51 Hardwoods USLP 51 SEK -#.# -#.# [003] 51 CDARS deposits 51 Concateno plc 51 Reinsurance recoverables 51 bps sequentially 51 Senior Secured Term 51 Covered Loans 51 marketable securities totaled 51 CountryPlace 51 Average noninterest bearing 51 IBNR 51 intercompany indebtedness 51 Loan Facilitation Services 51 extendible revolving term 51 Charge offs 51 Non GAAP adjusted EBITDA 51 QSI SG & 51 FQ = fiscal 51 React NTI 51 EURO#.# [002] 51 LIFO inventory adjustments 51 easyfinancial 51 GSR2 royalty 51 uncollectible reinsurance 51 GTA IV racked 51 obsolete inventory 51 NOL utilization 51 NTIC joint ventures 51 undrawn revolver capacity 51 AFUDC 51 pretax noncash 51 primarily attributable 51 International Leathercraft 51 Xi'an Simo 51 unabsorbed fixed overhead 51 uncollectibles 51 Transeastern JV 51 Excluding nonrecurring items 51 Hugoton Properties 51 intersegment transactions 51 DSG Canusa 51 excludes unrealized gains 51 Dal Tile segment 51 noninterest expense totaled 51 EMEA CMBS 51 thethird quarter 51 pretax noncash charges 51 Fab 3E 51 Equinix excludes 51 deductible goodwill impairment 51 THALOMID 51 foreign currency remeasurement 51 millionand 51 CEHE 51 Moody's rated 51 SmartGrowth Loans 51 OPANA franchise 51 TiO2 selling 51 Hardwoods LP 51 calculate DSO uses 51 undrawn revolving 51 b Relates 51 ninemonths ended 51 Billable headcount 51 Harland Acquisition 51 invoiced shipment 51 noncurrent loans 51 condensed consolidated balance sheet 51 Term Securitization 51 Panlab 51 MSR valuation 51 accrued liabilities 51 postretirement benefit 51 promissory note receivable 51 Klean Prep TM 51 Imputed Revenue 50 marketed workover rigs 50 ProLiance 50 pretax goodwill impairment 50 stressed DSCR 50 Invested assets 50 4Q FY# 50 covenant ratios 50 BPPR reportable segment 50 FHLBNY advances 50 CREL CDO 50 loan paydowns 50 DJO Merger 50 interfund loans 50 Metris Master Trust 50 exchangeable debentures 50 d Reflects 50 policyholder dividends 50 Nonaccrual loans 50 identifiable intangibles 50 noncovered loans 50 scheduled drydockings 50 Reported Unaudited Condensed 50 noncash amortization 50 nonutility operations 50 capitalizable 50 delinquencies defaults 50 consolidated balance sheet 50 offhire 50 Mavrix Mutual Funds 50 Asset Retirement Obligation 50 prepayment 50 Adjusted Gross Profit 50 identifiable intangible 50 unabsorbed manufacturing 50 asset valuation allowance 50 #.#/diluted share 50 COGP 50 gross NPL ratio 50 Bois d' Arc's 50 covenant calculations 50 ninemonths 50 nonperforming 50 ABL revolver 50 fiscals #-# 50 USOGP 50 Banco Azteca Mexico 50 Variable Interest Entities VIEs 50 accumulated undistributed 50 HCRY 50 Novogyne 50 TBtu 50 reinsurance recoveries 50 GTL invests 50 quarter offiscal 50 Nonaccrual loans totaled 50 Nonperforming assets decreased 50 Previously Securitized Loans 50 unaudited consolidated balance sheets 50 accrual reversal 50 Vyvx advertising 50 sundry debtors 50 impairment charges 50 successfully remarketed 50 Contingent Consideration 50 postretirement obligations 50 DJOFL 50 unamortised 50 putable 50 Chargeoffs 50 loss severities 50 MARRIOTT REVENUES totaled 50 Huaron 50 LIFO provision 50 Varvarinskoye Project 50 Restructured Loans 50 extendible revolving 50 client reimbursables 50 Private Label Credit 50 expenses LOE 50 Depreciation Amortization Taxes 50 ended December# 50 Conversion Cycle 50 Adjusted EBIDTA 50 collectibility 50 refinance indebtedness 50 #.#bln rbl [003] 50 Licorice Products segment 50 unamortized 50 sales outstanding DSOs 50 securitized loans 50 quarterended 50 unrealized derivative gains 50 Lead Fabricating 50 Roadway Sensors 50 Doubtful Accounts 50 noninterest expense partially offset 50 Aerostructures segment 50 Innovis Entities 50 Ribavirin royalties 50 b Represents 50 #.#mln rub [007] 50 Total Leverage Ratio 50 amortized cost 50 c Includes 50 Senior Exchangeable Notes 50 Dhs1 #m 50 extendable revolving 50 #.# perdiluted 50 transacting ATMs 50 unrealized depreciation 50 specially serviced assets 50 intersegment revenues 50 pension curtailment 50 Polymer Additives segment 50 mandatorily redeemable 50 loan fundings 50 Hwada 50 reestimates 50 Nonaccruing loans 50 CAD#m [002] 50 unfunded accrued 50 Vinyls segment 50 #.#/BOE [001] 50 TRUPs 50 Broadspire segment 50 Promotions.com 50 FTE staffing 50 nonoperating expense 50 adjusted OIBDA margin 50 FCGH 50 vendor markdown allowances 50 sublease recoveries 50 SORL consolidated 50 Metretek Florida 50 unamortized discount 50 Accrued liabilities #,#,# #,#,# [001] 50 non recurring 50 MFFO 50 Engineered Support Structures Segment 50 TRANs 50 operating loss carryforwards 50 Vyvx Advertising Distribution 50 Nonperforming asset 50 subordinate tranches 50 subordinate lien bonds 50 Revolving Credit Agreement 50 collectability 50 unaccreted discount 50 normalized FFO 50 ASC #-#-# 49 TruPS 49 loan originations totaled 49 severance accruals 49 Texon LP 49 NALs 49 valuation allowance 49 OPEB expense 49 loan origination fees 49 nonconvertible debt 49 discount accretion 49 2Q FY# representing 49 Unlevered Cash Flow 49 Retail Leathercraft 49 noncash pretax 49 AGY Asia 49 Ps.#.# [002] 49 Munghana Lonene Listenership 49 P1 #,#,#.# 49 CDO squared transactions 49 collateralizing 49 Unitrin Direct segment 49 Gramercy Realty 49 TFG CLO 49 Fazenda Nova Mine 49 promissory notes payable 49 Statutory surplus 49 CSBU 49 payables 49 Solectron pro forma 49 STECO acquisition 49 generation OSV dayrates 49 #.#mlrd rbl [002] 49 junior subordinated debentures 49 subordinated promissory notes 49 CREL CDOs 49 unproved properties 49 ARSs 49 carrybacks 49 properties collateralizing 49 Paperboard Packaging segment 49 LTM adjusted EBITDA 49 operating netbacks 49 loan originations 49 unrealized gains 49 Positively impacting 49 Fazenda Brasileiro Mine 49 LTV ratios 49 Supplies Distributors 49 SPN Resources 49 interfund 49 FSAH 49 c Reflects 49 Second Quarter Highlights 49 Rebates receivable 49 unabsorbed fixed costs 49 NeedleTech 49 Non accruing 49 unreserved undesignated fund 49 Northrim 49 Chlor Alkali segment 49 OCF margin 49 PTPP 49 FHLB borrowings decreased 49 perpetual debentures 49 Variable annuity deposits 49 subprime RMBS 49 SEK -#.# [002] 49 GMDB 49 Negative Rating Outlooks 49 SMTEK 49 VSOE 49 nonperforming loans totaled 49 CGAAP 49 seasonally slowest 49 Pro forma adjusted EBITDA 49 Nuo Hua 49 Excluding goodwill impairment 49 CECT branded handsets 49 andoperating 49 E# Mn 49 PIT receipts 49 CMHC insured mortgage 49 Rental Comps 49 CREL CDO delinquencies 49 YonY 49 Prepaid ARPU 49 Negatively impacting 49 Programmer Paradise segment 49 nonoperating expenses 49 Specialty Chemicals segment 49 debt restructurings TDRs 49 intercompany balances 49 Denville Scientific 49 SEK #.#M #.# 49 EBITDAO 49 unsecuritized loans 49 prepaids 49 increaseof 49 noninterest 49 delinquencies 49 #Q'# 49 hopper railcar 49 reinsurance cessions 49 n#.# [001] 49 VIOXX Lawsuits 49 Exterran stockholders 49 mortgage loan fundings 49 Revolving Credit Facilities 49 Spectrum Brands generates 49 net realizable 49 pro forma adjusted EBITDA 49 Applehead I. 49 affecting comparability 49 contractual subordination 49 Ps.2 49 rated MTP Shares 49 nonperforming loan 49 Imagewear coalition 49 Engineered Materials segment 49 Unilin segment 49 billable headcount 49 Olefins segment 49 Wilhelmina Companies 49 LTM EBITDA ratio 49 favorably impacted 49 adopted SFAS #R 49 wizarding tales 49 chargeoff rate 49 IAROC 49 Positive Rating Outlook 49 3Q FY# 49 originations 49 TRY1 #.# 49 earnout provision 49 Teekay Parent 49 MtM gains 49 Margin compression 49 h Represents 49 receivable portfolios 49 BBB medians 49 Retransmission consent revenue 49 SEK #,#,#,# 49 unfunded commitments 49 NOI SS NOI 49 Q4 F# 49 Interest accrues 49 ` #cr [001] 49 refundings 49 Core FFO 49 Material Handling Segment 49 ABL revolving 49 c Excludes 49 FNLC 49 Components Segment 49 fiscal# 49 Q2 F# 49 MCLP 49 Symphony GenIsis 49 Stablex 49 tables summarize 49 3Q FY# representing 49 accrued expenses 49 depreciation accretion 49 per mcfe 49 #.# Tcfe 49 overcollateralization tests 49 noncash impairment 49 LIFO reserve 49 Subordinate MBS portfolio 49 MorAmerica Capital 49 overcollateralized 49 amort 49 CIP FENOFIBRATE 49 Oxy ER 49 FAFLIC 49 Visant consolidated 49 consolidated PRASM 49 intangibles amortization 49 rebased amounts 49 Proved undeveloped reserves 49 SBLIC 49 revenues excluding nonrecurring 49 per dilutedshare 49 guaranty insurers 49 DOVONEX 49 unrealized derivative 49 Brooks Eckerd drugstores 49 quarterof 49 g Represents 49 noninterest income 49 Pro Forma EBITDA 49 Westshore Terminals Limited 49 income teb 49 repay indebtedness 49 derivative liabilities 49 BLU U R 49 Weighted Average Rating 48 Acquired Assets 48 Summarized consolidated 48 BOLI COLI 48 Surplus Lines segment 48 unsecured promissory notes 48 LIQUIDITY AND 48 AOCL 48 Ad valorem taxes 48 GunLink 48 Och Ziff Operating 48 Engineered Products segment 48 hedging derivative instruments 48 Largely offsetting 48 Segment EBIT 48 Univeyor 48 CRE CDO 48 aspenONE licensing model 48 nonconvertible debt borrowing 48 Mortgage Servicing Rights 48 EBITD 48 actuarially determined 48 millionfrom 48 LTM EBITDA 48 YE# [002] 48 Thomas Regout operations 48 asset dispositions 48 unrealized gain 48 drilling recompletions 48 LUCENTIS r 48 preopening expenses 48 RUB#.#bn [001] 48 noncash impairment charge 48 Dropdown Predecessor 48 un levered 48 Accurel 48 unannualized 48 reimbursables 48 Nitram backlog 48 GLJ Report 48 compensation expense 48 uncollectible debts 48 subordinated CMBS 48 casegoods segment 48 Customer Repo 48 SFAS No.# 48 ABS CDOs 48 normalized FFO guidance 48 trust preferreds 48 Realised Earnings 48 nonperforming residential 48 Debt Settlement Agreements 48 consents authorizations 48 accounts receivable factoring 48 EVLT R procedure 48 Prepaid Processing 48 Merchandise inventories 48 undrawn commitments 48 KFSI 48 Revolving Line 48 QSGI offsets 48 easyfinancial Services 48 FINOVA 48 impairment charge 48 ascompared 48 unabsorbed fixed manufacturing 48 credit carryforwards 48 impair Lillian Vernon 48 millionfor 48 NGL margins 48 Consolidated EBITDAR 48 Olefins Polyolefins 48 Negative Outlooks 48 1Q FY# 48 ROAA 48 #.#bln rbl [002] 48 5x rollover 48 promotional cadence 48 prepayment speeds loan originations 48 Eur #,# 48 address inadvertent miscalculations 48 BPLP 48 Wholesale Leathercraft 48 excludes depreciation amortization 48 retroactive reinstatement 48 Motorhome Resorts Segment 48 -blueberry barrens 48 unabsorbed fixed 48 BPPR 48 amortization 48 Coulbourn Instruments 48 consolidated VIEs 48 SunPower incurs amortization 48 Leverage ratios 48 Adjusted EBTIDA 48 Petrojarl Varg FPSO 48 OSV segment 48 depreciable real estate 48 borrowings 48 FFO payout ratio 48 undercollected 48 RMR additions 48 Corrugated Packaging segment 48 CAPITAL RESOURCES 48 -Press mainpage 48 RUR#.#bn approx. USD#.#bn [004] 48 Kerastick 48 NON CASH EXPENSES 48 hardboard siding claims 48 Cashflows 48 cash equivalents marketable securities 48 Seamap equipment 48 toreflect 48 eCOST 48 outstandings 48 - Total Current LiabilitiDouglas H. McCorkindale 48 lease expirations 48 MSRs 48 prime RMBS 48 actuarial valuations 48 Disposable Protective Apparel 48 Petition Date 48 Dennis Letham 48 NeuCo 48 EDITDA 48 BD Biosciences segment 48 RMB2 #.# 48 nonperforming status 48 DEPS guidance 48 Roszkow 48 mandatorily redeemable preferred 48 Divestco generated 48 Denton Rawhide operation 48 RMBS transactions 48 Currency translation effects 48 EBITDAA 48 atneed 48 IV Infusion Therapy 48 SBA loan originations 48 BGSS 48 TWACS NG software 48 royalty pooled 48 preneed funeral 48 Deductions depreciation 48 acquired Brooks Eckerd 48 Visa MasterCard antitrust 48 Kronos TiO2 production 48 FCDU loans 48 Items impacting comparability 48 depletion depreciation 48 accruing restructured 48 readily determinable 48 C #J deliveries 48 Unitholder distributions 48 EUR1 #.#m 48 noncash pretax impairment 48 Consolidated EBITDA 48 normalized EBIT 48 non cancelable lease