Expenses

The following table presents the components of other expenses for the periods indicated:



	Three Months Ended March 31,
(In millions)	2017		2016
Insurance	$	30	$	22
Regulatory fees and assessments	27		20
Securities processing	8		4
Other	86		66
Total other expenses	$	151	$	112

Acquisition Costs

We recorded acquisition costs of $12 million and $7 million in the three months ended March 31, 2017 and 2016, respectively. Costs incurred in the three months ended March 31, 2017 related to our acquisition of GEAM on July 1, 2016.

Restructuring Charges

In the three months ended March 31, 2017 and 2016, we recorded restructuring charges of $16 million and $97 million, respectively, related to State Street Beacon.

The following table presents aggregate restructuring activity for the periods indicated:



(In millions)	Employee Related Costs			Real Estate Consolidation			Asset and Other Write-offs			Total
Accrual Balance at December 31, 2015	$	9		$	11		$	3		$	23
Accruals for Business Operations and IT	(2		)	—			—			(2		)
Accruals for State Street Beacon	94			18			30			142
Payments and other adjustments	(64		)	(12		)	(31		)	(107		)
Accrual Balance at December 31, 2016	$	37		$	17		$	2		$	56
Accruals for State Street Beacon	14			—			2			16
Payments and Other Adjustments	(13		)	(3		)	(2		)	(18		)
Accrual Balance at March 31, 2017	$	38		$	14		$	2		$	54