Out-of-pocket expenses are expenses incurred by the representative for which the representative
has been paid or expects to be paid. Out-of-pocket expenses include, but are not limited
to, the cost of obtaining copies of doctor or hospital reports, birth or death certificates,
postage, and photocopying. They do not include paralegal or secretarial services,
in-house experts, review of fees, or any share of the representative's overhead or
utility costs.