The following table shows cumulative “direct claims” (i.e., claims paid before reinsurance recoveries) paid by us on our  primary insured book of business at the end of each successive year after origination, expressed as a percentage of the  cumulative premiums written by us in each year of origination: The following tables show direct claims paid by policy origination year as of the periods indicated: Other Operating Expenses. Other operating expenses increased in 2012 as compared to 2011, primarily due to an  increase in stock-based compensation related to an increase in the market price of our common stock during the year . Also,  2012 reflects ceding commissions earned related to the Reinsurance  Transactions combined with a reduction in the amount of  acquisition costs that were deferred in accordance with the update to the accounting standard regarding accounting for costs  associated with acquiring or renewing insurance contracts. Included in  2011 was $9 million in costs related to certain  technology projects that we wrote-of f in the third quarter of 201 1.  115 December 31, ($ in millions) 2012 2011 2010 Direct claims paid by origination year (first-lien): 2005 and prior . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 268 26.4% $ 333 22.7% $ 531 36.1% 2006 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 194 19.1 331 22.5 345 23.5 2007 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 403 39.8 634 43.1 506 34.5 2008 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 137 13.5 166 11.3 85 5.8 2009 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 1.1 6 0.4 1 0.1 2010 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 0.1 — — — — 2011 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . — — — — — — Total direct claims paid . . . . . . . . . . . . . . . . . $ 1,014 100.0% $ 1,470 100.0% $ 1,468 100.0% Direct Claims Paid vs. Premiums Written—Primary Insurance Year of Origination End of 1st year End of 2nd year End of 3rd year End of 4th year End of 5th year End of 6th year End of 7th year End of 8th year End of 9th year End of 10th year End of 11th year End of 12th year 2001 0.4% 10.7% 29.5% 46.9% 54.2% 57.8% 60.0% 61.5% 62.5% 63.5% 64.1% 64.7% 2002 0.5% 8.5% 23.4% 32.3% 37.0% 40.7% 42.8% 44.1% 46.3% 46.8% 47.5% — 2003 0.4% 7.3% 17.1% 23.0% 28.0% 31.1% 33.3% 37.1% 38.4% 39.5% — — 2004 0.6% 6.6% 15.8% 28.0% 38.9% 45.5% 53.7% 56.0% 58.3% — — — 2005 0.3% 6.0% 24.7% 58.9% 74.0% 92.3% 100.9% 105.4% — — — — 2006 0.9% 13.1% 45.4% 63.6% 94.4% 117.5% 128.1% — — — — — 2007 0.5% 9.8% 33.6% 81.0% 124.2% 142.4% — — — — — — 2008 0.2% 5.0% 29.2% 61.2% 78.0% — — — — — — — 2009 — 1.3% 3.9% 7.6% — — — — — — — — 2010 — 0.4% 1.3% — — — — — — — — — 2011 — 0.2% — — — — — — — — — — 2012 — — — — — — — — — — — —