text: **Credit Expenses**
  Credit expenses are summarized in the following table: 
  
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              [html]<thead><tr><td>Fiscal year</td><td>2014</td><td>2013</td><td>2012</td></tr></thead><tbody><tr><td>Operational expenses</td><td>$ 148</td><td>$ 129</td><td>$ 143</td></tr><tr><td>Bad debt expense</td><td>41</td><td>52</td><td>42</td></tr><tr><td>Occupancy expenses</td><td>5</td><td>5</td><td>5</td></tr><tr><td>Total Credit expenses</td><td>$ 194</td><td>$ 186</td><td>$ 190</td></tr></tbody>
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