Table IV Outstanding Loans and Leases
## Table 0 ##
(1) 2012, 2011 and 2010 periods are presented in accordance with consolidation guidance that was effective January 1, 2010.
(2) Includes non-U.
S.  residential mortgage loans of $93 million, $85 million, $90 million and $552 million at December 31, 2012, 2011, 2010 and 2009, respectively.
There were no material non-U.
S.  residential mortgage loans prior to January 1, 2009.
(3) Includes $8.8 billion, $9.9 billion, $11.8 billion, $13.4 billion and $18.2 billion of pay option loans, and $1.1 billion, $1.2 billion, $1.3 billion, $1.5 billion and $1.8 billion of subprime loans at December 31, 2012, 2011, 2010, 2009 and 2008, respectively.
We no longer originate these products.
(4) Includes dealer financial services loans of $35.9 billion, $43.0 billion, $43.3 billion, $41.6 billion and $40.1 billion, consumer lending loans of $4.7 billion, $8.0 billion, $12.4 billion, $19.7 billion and $28.2 billion, U. S.  securities-based lending margin loans of $28.3 billion, $23.6 billion, $16.6 billion, $12.9 billion and $0, student loans of $4.8 billion, $6.0 billion, $6.8 billion, $10.8 billion and $8.3 billion, non-U.
S.  consumer loans of $8.3 billion, $7.6 billion, $8.0 billion, $8.0 billion and $1.8 billion, and other consumer loans of $1.2 billion, $1.5 billion, $3.2 billion, $4.2 billion and $5.0 billion at December 31, 2012, 2011, 2010, 2009 and 2008, respectively.
(5) Includes consumer finance loans of $1.4 billion, $1.7 billion, $1.9 billion, $2.3 billion and $2.6 billion, other non-U.
S.  consumer loans of $5 million, $929 million, $803 million, $709 million and $618 million, and consumer overdrafts of $177 million, $103 million, $88 million, $144 million and $211 million at December 31, 2012, 2011, 2010, 2009 and 2008, respectively.
(6) Consumer loans accounted for under the fair value option were residential mortgage loans of $147 million and $906 million, discontinued real estate loans of $858 million and $1.3 billion at December 31, 2012 and 2011.
There were no consumer loans accounted for under the fair value option prior to 2011.
Commercial loans accounted for under the fair value option were U. S.  commercial loans of $2.3 billion, $2.2 billion, $1.6 billion, $3.0 billion and $3.5 billion, commercial real estate loans of $0, $0, $79 million, $90 million and $203 million, and non-U.
S.  commercial loans of $5.7 billion, $4.4 billion, $1.7 billion, $1.9 billion and $1.7 billion at December 31, 2012, 2011, 2010, 2009 and 2008, respectively.
(7) Includes U. S.  small business commercial loans, including card-related products, of $12.6 billion, $13.3 billion, $14.7 billion, $17.5 billion and $19.1 billion at December 31, 2012, 2011, 2010, 2009 and 2008, respectively.
(8) Includes U. S.  commercial real estate loans of $37.2 billion, $37.8 billion, $46.9 billion, $66.5 billion and $63.7 billion, and non-U.
S.  commercial real estate loans of $1.5 billion, $1.8 billion, $2.5 billion, $3.0 billion and $979 million at December 31, 2012, 2011, 2010, 2009 and 2008, respectively
Item 7.
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS - Continued 76 76 Other, net.
“Other, net” income totaled $174 million during the year ended December 31, 2012, an increase of $165 million compared to the same period in 2011.
This change primarily resulted from a $99 million non-cash gain related to the conversion of our DBSD North America 7.5% Convertible Senior Secured Notes due 2009 in connection with the completion of the DBSD Transaction during the first quarter 2012 and an increase in net gains on the sale of marketable investment securities of $96 million, partially offset by an increase in impairment charges of $32 million during 2012.
See Note 6 in the Notes to the Consolidated Financial Statements in Item 15 of this Annual Report on Form 10-K for further information.
Adjusted earnings before interest, taxes, depreciation and amortization.
Adjusted EBITDA was $2.407 billion during the year ended December 31, 2012, a decrease of $1.442 billion or 37.5% compared to the same period in 2011.
Adjusted EBITDA for year ended December 31, 2012 was unfavorably impacted by $730 million of litigation expense related to the Voom Settlement Agreement and an increase in “Subscriber-related expense.
” Adjusted EBITDA for the year ended December 31, 2011 was favorably impacted by the reversal of $341 million of “Litigation expense” related to the April 29, 2011 settlement agreement with TiVo, which had been previously recorded as an expense prior to the first quarter 2011.
The following table reconciles Adjusted EBITDA to the accompanying financial statements.
## Table 1 ##
Adjusted EBITDA is not a measure determined in accordance with GAAP and should not be considered a substitute for operating income, net income or any other measure determined in accordance with GAAP.
Adjusted EBITDA is used as a measurement of operating efficiency and overall financial performance and we believe it to be a helpful measure for those evaluating companies in the pay-TV industry.
Conceptually, Adjusted EBITDA measures the amount of income from continuing operations generated each period that could be used to service debt, pay taxes and fund capital expenditures.
Adjusted EBITDA should not be considered in isolation or as a substitute for measures of performance prepared in accordance with GAAP.
Income tax (provision) benefit, net.
Our income tax provision was $332 million during the year ended December 31, 2012, a decrease of $559 million compared to the same period in 2011.
The decrease in the provision was primarily related to the decrease in “Income (loss) before income taxes” and a decrease in our effective tax rate.
Our effective tax rate was positively impacted by the change in our valuation allowances against certain deferred tax assets that are capital in nature.
Net income (loss) attributable to DISH Network.
“Net income (loss) attributable to DISH Network” was $637 million during the year ended December 31, 2012, a decrease of $879 million compared to $1.516 billion for the same period in 2011.
The decrease was primarily attributable to the changes in revenue and expenses discussed above.
Entergy Louisiana, LLC and Subsidiaries Management’s Financial Discussion and Analysis 329 in industrial usage is primarily due to increased demand from new customers and expansion projects, primarily in the chemicals industry.
The Louisiana Act 55 financing savings obligation variance results from a regulatory charge for tax savings to be shared with customers per an agreement approved by the LPSC.
The tax savings resulted from the 2010-2011 IRS audit settlement on the treatment of the Louisiana Act 55 financing of storm costs for Hurricane Gustav and Hurricane Ike.
See Note 3 to the financial statements for additional discussion of the settlement and benefit sharing.
Included in Other is a provision of $23 million recorded in 2016 related to the settlement of the Waterford 3 replacement steam generator prudence review proceeding, offset by a provision of $32 million recorded in 2015 related to the uncertainty at that time associated with the resolution of the Waterford 3 replacement steam generator prudence review proceeding.
See Note 2 to the financial statements for a discussion of the Waterford 3 replacement steam generator prudence review proceeding.2015 Compared to 2014 Net revenue consists of operating revenues net of: 1) fuel, fuel-related expenses, and gas purchased for resale, 2) purchased power expenses, and 3) other regulatory charges (credits).
Following is an analysis of the change in net revenue comparing 2015 to 2014.
## Table 2 ##
The retail electric price variance is primarily due to formula rate plan increases, as approved by the LPSC, effective December 2014 and January 2015.
Entergy Louisiana’s formula rate plan increases are discussed in Note 2 to the financial statements.
The volume/weather variance is primarily due to an increase of 841 GWh, or 2%, in billed electricity usage, as a result of increased industrial usage primarily due to increased demand for existing large refinery customers, new customers, and expansion projects primarily in the chemicals industry, partially offset by a decrease in demand in the chemicals industry as a result of a seasonal outage for an existing customer.
The Waterford 3 replacement steam generator provision is due to a regulatory charge of approximately $32 million recorded in 2015 related to the uncertainty associated with the resolution of the Waterford 3 replacement steam generator project.
See Note 2 to the financial statements for a discussion of the Waterford 3 replacement steam generator prudence review proceeding.
The MISO deferral variance is due to the deferral in 2014 of non-fuel MISO-related charges, as approved by the LPSC.
The deferral of non-fuel MISO-related charges is partially offset in other operation and maintenance expenses.
See Note 2 to the financial statements for further discussion of the recovery of non-fuel MISO-related charges
EDWARDS LIFESCIENCES CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS — (Continued) Derivative Financial Instruments The Company utilizes a variety of derivative financial instruments to manage its currency exchange rate and interest rate risk as summarized below.
Notional amounts are stated in United States dollar equivalents at spot exchange rates at the respective dates.
The Company does not enter into these arrangements for trading or speculation purposes.

<table><tr><td></td><td colspan="5">December 31</td></tr><tr><td>(Dollars in millions)</td><td>2012<sup>-1</sup></td><td>2011<sup>-1</sup></td><td>2010<sup>-1</sup></td><td>2009</td><td>2008</td></tr><tr><td>Consumer</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage<sup>-2</sup></td><td>$243,181</td><td>$262,290</td><td>$257,973</td><td>$242,129</td><td>$248,063</td></tr><tr><td>Home equity</td><td>107,996</td><td>124,699</td><td>137,981</td><td>149,126</td><td>152,483</td></tr><tr><td>Discontinued real estate<sup>-3</sup></td><td>9,892</td><td>11,095</td><td>13,108</td><td>14,854</td><td>19,981</td></tr><tr><td>U.S. credit card</td><td>94,835</td><td>102,291</td><td>113,785</td><td>49,453</td><td>64,128</td></tr><tr><td>Non-U.S. credit card</td><td>11,697</td><td>14,418</td><td>27,465</td><td>21,656</td><td>17,146</td></tr><tr><td>Direct/Indirect consumer<sup>-4</sup></td><td>83,205</td><td>89,713</td><td>90,308</td><td>97,236</td><td>83,436</td></tr><tr><td>Other consumer<sup>-5</sup></td><td>1,628</td><td>2,688</td><td>2,830</td><td>3,110</td><td>3,442</td></tr><tr><td>Total consumer loans</td><td>552,434</td><td>607,194</td><td>643,450</td><td>577,564</td><td>588,679</td></tr><tr><td>Consumer loans accounted for under the fair value option<sup>-6</sup></td><td>1,005</td><td>2,190</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total consumer</td><td>553,439</td><td>609,384</td><td>643,450</td><td>577,564</td><td>588,679</td></tr><tr><td>Commercial</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. commercial<sup>-7</sup></td><td>209,719</td><td>193,199</td><td>190,305</td><td>198,903</td><td>219,233</td></tr><tr><td>Commercial real estate<sup>-8</sup></td><td>38,637</td><td>39,596</td><td>49,393</td><td>69,447</td><td>64,701</td></tr><tr><td>Commercial lease financing</td><td>23,843</td><td>21,989</td><td>21,942</td><td>22,199</td><td>22,400</td></tr><tr><td>Non-U.S. commercial</td><td>74,184</td><td>55,418</td><td>32,029</td><td>27,079</td><td>31,020</td></tr><tr><td>Total commercial loans</td><td>346,383</td><td>310,202</td><td>293,669</td><td>317,628</td><td>337,354</td></tr><tr><td>Commercial loans accounted for under the fair value option<sup>-6</sup></td><td>7,997</td><td>6,614</td><td>3,321</td><td>4,936</td><td>5,413</td></tr><tr><td>Total commercial</td><td>354,380</td><td>316,816</td><td>296,990</td><td>322,564</td><td>342,767</td></tr><tr><td>Total loans and leases</td><td>$907,819</td><td>$926,200</td><td>$940,440</td><td>$900,128</td><td>$931,446</td></tr></table>
<table><tr><td> </td><td colspan="2">For the Years Ended December 31,</td></tr><tr><td> </td><td>2012</td><td>2011</td></tr><tr><td> </td><td colspan="2">(In thousands)</td></tr><tr><td>Adjusted EBITDA</td><td>$2,407,486</td><td>$3,849,755</td></tr><tr><td>Interest expense, net</td><td>-437,145</td><td>-524,084</td></tr><tr><td>Income tax (provision) benefit, net</td><td>-331,991</td><td>-890,765</td></tr><tr><td>Depreciation and amortization</td><td>-964,484</td><td>-912,203</td></tr><tr><td>Income (loss) from continuing operations attributable to DISH Network</td><td>$673,866</td><td>$1,522,703</td></tr><tr><td>Plus: Income (loss) from discontinued operations, net of tax</td><td>-37,179</td><td>-6,796</td></tr><tr><td>Net income (loss) attributable to DISH Network</td><td>$636,687</td><td>$1,515,907</td></tr></table>
<table><tr><td></td><td>Amount (In Millions)</td></tr><tr><td>2014 net revenue</td><td>$2,246.1</td></tr><tr><td>Retail electric price</td><td>180.0</td></tr><tr><td>Volume/weather</td><td>39.5</td></tr><tr><td>Waterford 3 replacement steam generator provision</td><td>-32.0</td></tr><tr><td>MISO deferral</td><td>-32.0</td></tr><tr><td>Other</td><td>7.2</td></tr><tr><td>2015 net revenue</td><td>$2,408.8</td></tr></table>

Question: What's the average of Home equity in 2012, 2011, and 20010? (in million)