[tag=IN] [tag=CD] [word=","] □
[tag=IN] [tag=CD] [word=","] □ □
[tag=IN] [tag=CD] [word=","] []
" In 1975 , the numbers for " always legal " and " always illegal " were at 21 % and 22 % , respectively . Since 1991 , the number of special Navy libraries - - medical and academic - - has declined by 25 % . The 35 highest indexed annual earnings are added together and divided by 420 , the number of months in 35 years , to obtain the worker 's average monthly earnings . During the six years from 1993 through 1998 , the number of home purchase loans extended to applicants with incomes less than 80 percent of the median increased 64 percent . Since 1993 , the number of fraud cases has remained relatively stable , although fraud cases filed did increase 6 percent in 1998 , with the nature of filings varying over that time . The 35 highest indexed annual earnings are added together and divided by 420 , the number of months in 35 years , to obtain the worker 's average indexed monthly earnings .