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great lakes student loan Over the past several quarters, energy majors had relied on the diversity of their business model to offset weakness elsewhere.聽 In the second quarter, though, Exxon芒聙聶s downstream operations fared even worse.聽 Earnings fell off a cliff, going from $6.65 billion a year ago to a meager $396 million, mainly due to a $5.3 billon gain due to the restructuring of Exxon芒聙聶s Japanese refining assets.聽 Exxon was also forced to take a major write-down on its Dartmouth facility, worth about 25 cents in an EPS basis, according to Citi.聽 Weaker margins, mainly in refining, along with volume, mix, and longer than expected maintenance costs hurt downstream.