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Expenses
 9 Months Ended
Sep. 30, 2019
Other Expenses [Abstract]  
Expenses Expenses
The following table presents the components of other expenses for the periods indicated:
 
Three Months Ended September 30,
 
Nine Months Ended September 30,
(In millions)
2019
 
2018
 
2019
 
2018
Professional services
$
70

 
$
79

 
$
235

 
$
247

Sales advertising public relations
29

 
29

 
83

 
84

Regulatory fees and assessments
18

 
14

 
54

 
73

Bank operations
9

 
14

 
30

 
53

Insurance
7

 
7

 
21

 
22

Other
135

 
108

 
394

 
347

Total other expenses
$
268


$
251


$
817

 
$
826


Acquisition Costs
We recorded $27 million and $50 million of acquisition costs in the three and nine months ended September 30, 2019, respectively, primarily related to our acquisition of CRD. As we integrate CRD into our business, we expect to incur approximately $200 million of acquisition costs, including merger and integration costs, through 2021.
Restructuring and Repositioning Charges
Repositioning Charges
In 2018, we initiated a new expense program to accelerate efforts to become a higher-performing organization and help navigate challenging market and industry conditions. In both the three months ended September 30, 2019 and 2018, we did not record any repositioning charges.
The following table presents aggregate activity for repositioning charges and activity related to previous Beacon restructuring charges for the periods indicated:
(In millions)
Employee
Related Costs
 
Real Estate
Actions
 
Asset and Other Write-offs
 
Total
Accrual balance at December 31, 2017
$
166

 
$
32

 
$
3

 
$
201

Payments and other adjustments
(22
)
 
(4
)
 
—

 
(26
)
Accrual balance at March 31, 2018
$
144

 
$
28

 
$
3

 
$
175

Accruals for repositioning charges
61

 
16

 
—

 
77

Payments and other adjustments
(36
)
 
(3
)
 
—

 
(39
)
Accrual balance at June 30, 2018
$
169

 
$
41

 
$
3

 
$
213

Accruals for Beacon
(1
)
 
—

 
—

 
(1
)
Payments and other adjustments
(18
)
 
(4
)
 
(1
)
 
(23
)
Accrual balance at September 30, 2018
$
150

 
$
37

 
$
2

 
$
189

Accrual balance at December 31, 2018
$
303

 
$
37

 
$
1

 
$
341

Accruals for Beacon
(4
)
 
—

 
—

 
(4
)
Payments and other adjustments
(53
)
 
(25
)
 
—

 
(78
)
Accrual balance at March 31, 2019
$
246

 
$
12

 
$
1

 
$
259

Accruals for Beacon
2

 
—

 
—

 
2

Payments and other adjustments
(51
)
 
(1
)
 
—

 
(52
)
Accrual balance at June 30, 2019
$
197

 
$
11

 
$
1

 
$
209

Payments and other adjustments
(62
)
 
(2
)
 
—

 
(64
)
Accrual balance at September 30, 2019
$
135

 
$
9

 
$
1

 
$
145