Expenses

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



	Three Months Ended June 30,					Six Months Ended June 30,
(In millions)	2017			2016		2017			2016
Insurance	$	28		$	21	$	58		$	44
Regulatory fees and assessments	18			18		45			38
Securities processing	9			6		16			10
Litigation	(17		)	—		(17		)	—
Other	94			93		181			158
Total other expenses	$	132		$	138	$	283		$	250

Acquisition Costs

We recorded acquisition costs of $9 million and $7 million in the three months ended June 30, 2017 and 2016, respectively. Costs incurred in the three months ended June 30, 2017 related to our acquisition of GEAM on July 1, 2016.

Restructuring Charges

In the second quarter and first six months of 2017, we recorded restructuring charges of $62 million and $79 million, respectively, compared to $13 million and $110 million in the same periods of 2016. The charges were primarily 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 State Street Beacon	86			—			11			97
Payments and Other Adjustments	(4		)	(1		)	(7		)	(12		)
Accrual Balance at March 31, 2016	$	91		$	10		$	7		$	108
Accruals for State Street Beacon	(1		)	15			(1		)	13
Payments and Other Adjustments	(35		)	(3		)	(1		)	(39		)
Accrual Balance at June 30, 2016	$	55		$	22		$	5		$	82
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
Accruals for State Street Beacon	60			—			2			62
Payments and other adjustments	(11		)	(3		)	(2		)	(16		)
Accrual Balance at June 30, 2017	$	87		$	11		$	2		$	100