Management’s Discussion and Analysis of Financial Condition and Results of Operations Continued lion with respect to the ceded reserve for losses and loss expenses, including ceded losses incurred but not reported (1BNR)(ceded reserves) and $3.07 billion of ceded reserve for unearned premiums.
The ceded reserve for losses and loss expenses represent the accumulation of estimates of ultimate ceded losses including provisions for ceded IBNR and lossexpenses.
The methods used to determine such estimates andto establish the resulting ceded reserves are continually reviewed and updated by management.
Any adjustments thereto are reflected in income currently.
It is AlG's belief that the ceded reserve for losses and loss expenses at December 31,2005 were representative of the ultimate losses recoverable.
In the future, as the ceded reserves continue to develop to ultimate amounts, the ultimate loss recoverable may be greater or less than the reserves currently ceded.
Reserve for Losses and Loss Expenses The table below classifies as of December 31,2005 the components of the General Insurance gross reserve for losses and loss expenses(loss reserves) hy major lines of husiness on a statutory Annual Statement basis*:
## Table 0 ##
* Presented by limes of business purstwant to statutory reporting requirements as prescibed by the National Associatiom of Insurance Commissioners.
AlG's reserve for losses and los expenses represents the accumulation of estimates of ultimare losses, including IBNR and loss expenses.
The methods used to determine loss reserve estimates and to establish the resulting reserves are continually reviewed and updated by management.
Any adjustments resulting therefrom are reflected in operating income currently.
Because loss reserve estimates are subject to the outcome of future events, changes in estimates are unavoidable given that loss trends vary and time is often required for changes intrends to be recognized and confirmed.
Reserve changes that increase previous estimates of ultimate cost are referred to as unfavorable or adverse development or reserve strengthening.
Reserve changes that decrease previous estimates of ultimate cost are referred to as favorable development.
At December 31,2005, General Insurance net los reserves were $57.5 billion, an increase of $10.22 billion from the prior year-end.
The net loss reserve increase includes the fourthquarter 2005 increase in net reserves of approximately $1.8 bil- lion, comprised of $960 million for non-asbestos and environ- mental exposures, and $873 million for asbestos and environmental exposures.
The increase in non-asbestos and environmental reserves includes an increase of $1.44 billion for DBG and decreases of $455 million for Foreign General Insurance and $29 million for Mortgage Guaranty.
The DBG increase of $1.44 billion is $140 million greater than the amount previously announced in AIG's press release of February 9,2006 as a result of an additional change in estimate related to a commuted reinsurance agreement.
The aggregate increase in asbestos and environmental reserves includes increases of $706 million and $167 million, respec- tively, for DBG and Foreign General Insurance.
As discussed in more detail below, the fourth quarter 2005 reserve increase was attributable to adverse development primarily related to 2002 and prior accident years, partially ofset by favorable development for accident years 2003 through 2005.
This reserve action reflects the completion of both the Milliman, Inc. (Milliman) review and AlG's own actuarial studies in the fourth quarter of 2005.
The net loss reserves represent loss reserves reduced by reinsurance recoverables, net of an allowance for unrecoverable reinsurance and applicable discount for future investment income.
The table below classifies the components of the General Insurance net loss reserves by business unit as of December 31,2005.
## Table 1 ##
(a) DBG loss reseres inclhude approximately $3.77 billion ($4.26 billion before discount) related to busimes uritten by DBG but ceded to AlRCO and reported in AIRCO's statutory flings.
DBG loss reserves aso incdude approximately $407 milion related to business included in AlUO's statutory flings.
(b) Personal Lines loss reserves inchude $878 milon related to business ceded to DBG and reported in DBG's statutory filings.
(c) Foreign General loss reserves inchude approximately $2.15 biliom related to biusiness reported in DBG's statutory filings.
The DBG net loss reserve of $40.78 billion is comprised principally of the business of AlG subsidiaries participating in the American Home/National Union pool (1l companies) andthe surplus lines pool(Lexington, Starr Excess Liability Insurance Company and Landmark Insurance Company).
Beginning in 1998, DBG ceded a quota share percentage of its other liability occurrence and products liability occurrence business to AIRCO.
The quota share percentage ceded was 40 percent in 1998,65 percent in 1999,75 percent in 2000 and 2001,50 percent in 2002 and 2003,40 percent in 2004 and 35 percent in 2005 and covered all business written in these years for these lines by participants in the AmericanHome/National Union pool.
in 1998 the cession reflected only the other liability occurrence business, but in 1999 and
American International Group, Inc.  and Subsidiaries Management’s Discussion and Analysis of Financial Condition and Results of Operations Continued
## Table 2 ##
* Represents structured notes issued by AIGFP that are accounted for at fair value.
A roll forward of long-term borrowings, excluding borrowings of consolidated investments, for the year ended December 31, 2007 is as follows:
## Table 3 ##
AlG(Parent Company) AlG intends to continue its customary practice of issuing debt securities from time to time to meet its financing needs and those of certain of its subsidiaries for general corporate purposes, as well as for the MlP.
As of December 31,2007, AlG had up to $17.5 billion of debt securities, preferred stock and other securities, and up to $12.0 billion of common stock, registered and available for issuance under its universal shelf regstration statement AlG maintains a mediu-term note program under its shelf registration statement As of December 31,2007, approximately $7.3 billion principal amount of senior notes were outstanding under the medium-term note program, of which $3.2 billion was used for AlG's general corporate purposes,$873 million was used by AIGFP(referred to as"Series AIGFP"in the preceding tables) and $3.2 billion was used to fund the MlP.
The maturity dates of these notes range from 2008 to 2052.
To the extent deemed appropriate, AlG may enter into swap transactions to manage its effective borrowing rates with respect to these notes.
AlG also maintains a Euro mediumterm note progam under which an aggregate nominal amount of up to $20.0 billion of senior notes may be outstanding at any one time.
As of December 31,2007, the equivalent of $12.7 billion of notes were outstanding under the program, of which $9.8 billion were used to fund the MlP and the remainder was used for AlG's general
Operating income (loss) by segment is summarized below:

<table><tr><td>Other liability occurrence</td><td>$18,116</td></tr><tr><td>Other liability claims made</td><td>12,447</td></tr><tr><td>Workers compensation</td><td>11,630</td></tr><tr><td>Auto liability</td><td>6,569</td></tr><tr><td>Property</td><td>7,217</td></tr><tr><td>International</td><td>4,939</td></tr><tr><td>Reinsurance</td><td>2,886</td></tr><tr><td>Medical malpractice</td><td>2,363</td></tr><tr><td>Aircraft</td><td>1,844</td></tr><tr><td>Products liability</td><td>1,937</td></tr><tr><td>Commercial multiple peril</td><td>1,359</td></tr><tr><td>Accident and health</td><td>1,678</td></tr><tr><td>Fidelity/ surety</td><td>1,072</td></tr><tr><td>Other</td><td>3,112</td></tr><tr><td>Total</td><td>$77,169</td></tr></table>
<table><tr><td>DBG<i><sup>(a)</sup></i></td><td>$40,782</td></tr><tr><td>Personal Lines<i><sup>(b)</sup></i></td><td>2,578</td></tr><tr><td>Transatlantic</td><td>5,690</td></tr><tr><td>Mortgage Guaranty</td><td>340</td></tr><tr><td>Foreign General<i><sup>(c)</sup></i></td><td>8,086</td></tr><tr><td>Total Net Loss Reserve</td><td>$57,476</td></tr></table>
<table><tr><td><i>(in millions)</i></td><td> 2007</td><td>2006</td></tr><tr><td>AIG’s total borrowings</td><td>$176,049</td><td>$148,679</td></tr><tr><td>Less:</td><td></td><td></td></tr><tr><td>Junior subordinated debt</td><td>5,809</td><td>—</td></tr><tr><td>Liabilities connected to trust preferred stock</td><td>1,435</td><td>1,440</td></tr><tr><td>MIP matched notes and bonds payable</td><td>14,267</td><td>5,468</td></tr><tr><td>Series AIGFP matched notes and bonds payable</td><td>874</td><td>72</td></tr><tr><td>AIGFP</td><td></td><td></td></tr><tr><td>GIAs</td><td>19,908</td><td>20,664</td></tr><tr><td>Notes and bonds payable</td><td>36,676</td><td>37,528</td></tr><tr><td>Loans and mortgages payable</td><td>1,384</td><td>—</td></tr><tr><td>Hybrid financial instrument liabilities*</td><td>7,479</td><td>8,856</td></tr><tr><td>Borrowings not guaranteed by AIG</td><td>67,881</td><td>59,277</td></tr><tr><td>AIG’s net borrowings</td><td>$20,336</td><td>$15,374</td></tr></table>
<table><tr><td><i>(in millions)</i></td><td>Balance at December 31, 2006</td><td>Issuances</td><td>Maturities and Repayments</td><td>Effect of Foreign Exchange</td><td>Other Changes</td><td> Balance at  December 31,  2007</td></tr><tr><td>AIG</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Notes and bonds payable</td><td>$8,915</td><td>$5,591</td><td>$-165</td><td>$122</td><td>$125</td><td>$14,588</td></tr><tr><td>Junior subordinated debt</td><td>—</td><td>5,590</td><td>—</td><td>218</td><td>1</td><td>5,809</td></tr><tr><td>Loans and mortgages payable</td><td>841</td><td>600</td><td>-724</td><td>12</td><td>—</td><td>729</td></tr><tr><td>MIP matched notes and bonds payable</td><td>5,468</td><td>8,092</td><td>—</td><td>-4</td><td>711</td><td>14,267</td></tr><tr><td>Series AIGFP matched notes and bonds payable</td><td>72</td><td>810</td><td>-10</td><td>—</td><td>2</td><td>874</td></tr><tr><td>AIGFP</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>GIAs</td><td>20,664</td><td>8,830</td><td>-10,172</td><td>43</td><td>543</td><td>19,908</td></tr><tr><td>Notes and bonds payable and hybrid financial instrument liabilities</td><td>46,384</td><td>50,854</td><td>-53,540</td><td>321</td><td>136</td><td>44,155</td></tr><tr><td>Loans and mortgages payable</td><td>—</td><td>1,388</td><td>-9</td><td>9</td><td>-4</td><td>1,384</td></tr><tr><td>AIGLH notes and bonds payable</td><td>797</td><td>—</td><td>—</td><td>—</td><td>—</td><td>797</td></tr><tr><td>Liabilities connected to trust preferred stock</td><td>1,440</td><td>—</td><td>—</td><td>—</td><td>-5</td><td>1,435</td></tr><tr><td>ILFC notes and bonds payable</td><td>25,592</td><td>3,783</td><td>-3,938</td><td>295</td><td>5</td><td>25,737</td></tr><tr><td>ILFC junior subordinated debt</td><td>999</td><td>—</td><td>—</td><td>—</td><td>—</td><td>999</td></tr><tr><td>AGF notes and bonds payable</td><td>19,261</td><td>7,481</td><td>-4,824</td><td>255</td><td>196</td><td>22,369</td></tr><tr><td>AGF junior subordinated debt</td><td>—</td><td>349</td><td>—</td><td>—</td><td>—</td><td>349</td></tr><tr><td>AIGCFG loans and mortgages payable</td><td>1,453</td><td>3,941</td><td>-3,647</td><td>98</td><td>-6</td><td>1,839</td></tr><tr><td>Other subsidiaries</td><td>672</td><td>189</td><td>-189</td><td>3</td><td>100</td><td>775</td></tr><tr><td>Total</td><td>$132,558</td><td>$97,498</td><td>$-77,218</td><td>$1,372</td><td>$1,804</td><td>$156,014</td></tr></table>

Question: What's the average of AIG’s net borrowings AIGFP of 2006, and GIAs AIGFP of Balance at December 31, 2007 ?