Answer : Change of the operational expense depends on the amount of money or proportion per earned premium. In term of the amount of money may increase but the proportion may be different. Overall picture of this expense consists of fixed costs such as depreciation, office building rental and staff’s salary, etc. and some variable costs such as public utility cost, bank fees, post mail expense, etc. Normally, the Company has been controlling such expense. The Company annually set the budget which controls various expenses to be consistent with the budget by arranging internal project to build cooperation for reducing expenses, saving energy and improving environment, etc. These projects will help to reduce the increase of operational expense.