Other Operating Expenses

Details of other operating expenses were as follows.



	Three months ended June 30,				Six months ended June 30,
($ in millions)	2012		2011		2012		2011
Impairment and accruals related to ResCap deconsolidation (a)	$	1,192	$	—	$	1,192	$	—
Technology and communications	109		115		235		234
Insurance commissions	107		116		219		234
Professional services	93		77		209		143
Regulatory penalties imposed for foreclosure-related matters	90		—		90		—
Lease and loan administration	64		45		110		89
Advertising and marketing	36		41		75		95
Regulatory and licensing fees	33		34		69		71
Premises and equipment depreciation	24		24		49		50
Occupancy	21		22		45		44
Vehicle remarketing and repossession	20		37		45		72
Mortgage representation and warranty obligation, net	18		184		37		210
State and local non-income taxes	5		35		29		66
Other	121		162		245		330
Total other operating expenses	$	1,933	$	892	$	2,649	$	1,638


(a)	For the three months and six months ended June 30, 2012, this charge primarily consists of the $442 million total impairment of our investment in ResCap and a $750 million cash contribution to be made by us to the Debtors' estate. Refer to Note 1 for more information regarding the Debtors' bankruptcy, deconsolidation, and this charge.