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spec: 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 . The city and surrounding communities are further enriched by 15 colleges and universities , many theaters , art and children 's museums , a zoo , a planetarium , almost 200 parks , and many public ( and private ) golf courses . " In 1975 , the numbers for " always legal " and " always illegal " were at 21 % and 22 % , respectively . He 's selling and dealing and having business with everybody - - why ca not he have business with me ? Many existing cultural and social tensions were magnified by the geographical concentration of criminal bodies in a small colony , and fiscal shortcomings exacerbated these tensions . You can reach Tom Greenwood at ( 313 ) 222-2023 or tgreenwood@detnews.com . 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 . Lesions are seen predominantly on the extremities but may also occur on the trunk or on the head and neck . 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 . 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 .