Retrieve the annual report of American International Group (its ticker symbol is AIG), which owns a large consumer finance company, or select your own consumer finance company. To access income statement information, go to http://finance.yahoo.com, enter the ticker symbol, and click on “Get Quotes.” Then click on “SEC Filings.”

Review the consumer finance company’s recent performance. Has its income as a percentage of assets increased since the year before? Explain what caused this change over the last year. How have its operating expenses changed over the last year? Discuss how the finance company’s recent strategy and economic conditions may explain the changes in these components of its income statement.