The major factors for the changes and interest in fees, interest and other borrowing expenses and finance margin for the  year ended December 31, 2011 are outlined in the table below:  INTEREST AND  INTEREST  OTHER BORROWING  FINANCE  ($ in millions) AND FEES  EXPENSES  MARGIN 2010 $421.6  $ 213.0  $208.6 Increase (decrease) Average finance receivables 21.8 21.8 Yields (32.1) (32.1) Average debt balances  15.5 (15.5) Borrowing rates  (53.4) 53.4 Currency translation  11.8 6.2 5.6 Total increase (decrease)  1.5 (31.7) 33.2 2011 $423.1  $ 181.3  $241.8 •   Average finance receivables increased $319.2 million (net of $173.2 million of foreign exchange effects) from an  increase in dealer wholesale financing, primarily in the U.S. and Canada and Europe as well as retail portfolio  new business volume exceeding repayments. •   Lower market rates resulted in lower portfolio yields.  •   Average debt balances increased $409.0 million in 2011, reflecting funding needed for a higher average finance  receivable portfolio. •   Borrowing rates declined in 2011 due to lower market interest rates.  •   Currency translation primarily relates to the stronger euro.  The following table summarizes operating lease, rental and other income and depreciation and other expense:  ($ in millions) Year ended December 31, 2011  2010 Operating lease revenues $ 567.0  $ 498.7 Used truck sales and other  39.2  47.5 Operating leases, rental and other income  $ 606.2 $ 546.2 Depreciation of equipment on operating leases $ 346.6  $ 325.6 Vehicle operating expenses  103.2  92.1 Cost of used truck sales and other  26.4  33.9 Depreciation and other expense  $ 476.2 $ 451.6