During the year, the Company realigned certain aspects of its European operations. Charges related to the realignment of $12.5 million ($7.8 million after taxes) were recognized and allocated to the International segment.  During the year, the Company sold $1.5 billion of auto loans to multiple buyers. These transactions resulted in gains of $28.2 million for the Auto Finance segment. These gains were offset in part by compensation expense of $14.5 million ($9.0 million after taxes) that was recognized and allocated to the Auto Finance segment for the accelerated vesting provisions of certain restricted stock issued in connection with the acquisition of PeopleFirst, Inc. (“PeopleFirst”). During the third quarter, the Company expensed $38.8 million ($24.1 million after taxes) related to the early termination of leases, unused facility capacity, and accelerated depreciation of related fixed assets. The Company allocated $35.3 million of these expenses to the Consumer Lending segment, $1.5 million to the other caption, $1.1 million to the Auto Finance segment, and $.9 million to the International segment. The distribution of mortgage-backed securities and collateralized mortgage obligations is based on average expected maturities. Act ual maturities could differ because issuers may have the right to call or prepay obligations. Weighted average yields were determined based on amortized cost. Gross realized gains on sales of securities were $96.9 million and $19.1 million for the years ended December 31, 2002 and 2001, respectively. Gross realized losses were $19.4 million and $5.6 million for the years ended December 31, 2002 and 2001, respectively. Substantially no gains or losses on sales of securities were realized for December 31, 2000. 57 Securities available for sale as of December 31, 2002, 2001 and 2000 were as follows: Weighted Average Yields 1 Year  1-5 5-10 Over 10 or Less Years Years Years December 31, 2002 U.S. Treasury and other U.S. government agency obligations 2.82% 3.46% 4.37% - Collateralized mortgage obligations 5.72 5.48 4.93 - Mortgage backed securities - 5.65 - - Other 2.76 6.39 6.87 6.04% Total 4.10% 4.51% 4.39% 6.04% Maturity Schedule Market Amortized  1 Year  1-5 5-10 Over 10 Value Cost or Less Years Years Years Totals Totals December 31, 2002 U.S. Treasury and other U.S. government agency obligations $ 613,404 $ 1,287,246 $ 669,339 $ - $ 2,569,989 $ 2,522,429 Collateralized mortgage obligations 492,163 897,547 10,929 - 1,400,639 1,373,759 Mortgage backed securities - 420,726 - - 420,726 414,822 Other 3,180 540 1,976 26,627 32,323 32,452 Total $ 1,108,747 $ 2,606,059 $ 682,244 $ 26,627 $ 4,423,677 $ 4,343,462 December 31, 2001 U.S. Treasury and other U.S. government agency obligations $ 256,548  $ 748,224  $ 800,184  $ - $ 1,804,956  $ 1,796,033  Collateralized mortgage obligations - - 19,814  616,863  636,677  628,897  Mortgage backed securities - - 8,536  640,171  648,707  662,098  Other 1,092  424  244  23,791  25,551  25,678  Total $ 257,640  $ 748,648  $ 828,778  $ 1,280,825  $ 3,115,891  $ 3,112,706  December 31, 2000 U.S. Treasury and other U.S. government agency obligations $ 283,607  $ 893,745  $ 10,702  $ - $ 1,188,054  $ 1,178,386  Collateralized mortgage obligations - - 20,867  391,240  412,107  414,770  Mortgage backed securities 3,752  - 11,420  61,648  76,820  74,695  Other 16,260  1,380  343  1,851  19,834  19,986  Total $ 303,619  $ 895,125  $ 43,332  $ 454,739  $ 1,696,815  $ 1,687,837  Securities Available for Sale Not C