Year Ended October 31,

(In thousands)

2014

2013

Balance, beginning of period

$131,028

$121,149

Additions – Selling, general and administrative

18,839

18,676

Additions – Cost of sales

11,115

13,529

Charges incurred during the period

(18,241

)

(22,511

)

Changes to pre-existing reserves

(2,600

)

185

Additional reserves where corresponding amounts are recorded as receivables from insurance carriers

37,867

-

Balance, end of period

$178,008

$131,028