Revenue related to our creative professional products, which include our Creative Suite editions and CS point products as well as Creative Cloud, decreased during fiscal 2013 as compared to fiscal 2012 due to continued customer adoption of Creative Cloud subscription offerings, released in May 2012, for which revenue is recognized over time.
Revenue associated with our other creative products increased during fiscal 2013 as compared to fiscal 2012, primarily due to increases associated with distribution of third-party software downloads and our Digital Publishing Suite.
These increases were partially offset by decreases in revenue associated with our Hobbyist products.
For our creative offerings, the total number of perpetual units licensed decreased while the number of subscription units licensed increased during fiscal 2013 as compared to fiscal 2012.
Unit average selling prices for our perpetual units licensed decreased during the year ended fiscal 2013 as compared to fiscal 2012.
Document Services revenue, which includes our Acrobat product family, decreased slightly during fiscal 2013 as compared to fiscal 2012, primarily due to the continued shift to ETLAs offset by increased Acrobat Cloud Services revenue including revenue generated from our EchoSign e-signing service.
Within Document Services, excluding large enterprise license agreements, the number of units licensed decreased while the unit average selling prices increased during fiscal 2013 as compared to fiscal 2012.
Digital Marketing Revenue from Digital Marketing increased $143.8 million during fiscal 2013 as compared to fiscal 2012.
The increase was primarily due to continued revenue growth associated with our Adobe Marketing Cloud, which increased 26% during fiscal 2013, as compared to the year ago period and includes Adobe Campaign revenue from our acquisition of Neolane in the third quarter of fiscal 2013.
The increase noted above was partially offset by expected declines in revenue associated with our legacy products during fiscal 2013.
Print and Publishing Revenue from Print and Publishing decreased during fiscal 2013 as compared to fiscal 2012, primarily due to increased ETLAs for certain products in this group.
Geographical Information (dollars in millions)
## Table 0 ##
Fiscal 2014 Revenue by Geography Compared to Fiscal 2013 Revenue by Geography Overall revenue during fiscal 2014 as compared to fiscal 2013 increased in the Americas and EMEA.
Revenue in the Americas increased during fiscal 2014 as compared to the year-ago period due to increases in Digital Media and Digital Marketing revenue.
Revenue in EMEA increased during fiscal 2014 as compared to the year-ago period primarily due to increases in Digital Marketing revenue.
Digital Media and Print and Publishing revenue in EMEA remained relatively stable during fiscal 2014 compared to the year-ago period.
Despite the strengthening of the U. S.  Dollar against the Euro and the British Pound during the latter part of 2014, the overall weakening of the U. S.  Dollar against these currencies during fiscal 2014 also caused revenue in EMEA to increase as compared to the year-ago period.
Within the Americas and EMEA, the fluctuations in revenue by reportable segment were attributable to the factors noted in the segment information above.
Revenue in APAC decreased during fiscal 2014 as compared to the year-ago period primarily as a result of decreases in Digital Media revenue due to slower adoption of Creative Cloud in Japan compared to other countries and the strengthening of the U. S.  Dollar against the Japanese Yen and other Asian currencies during fiscal 2014 as compared to the year-ago period.
Digital Marketing and Print and Publishing revenue in APAC remained relatively stable in fiscal 2014 compared to the year-ago period.
Notes to Consolidated Financial Statements Sumitomo Mitsui Financial Group, Inc.  (SMFG) provides the firm with credit loss protection on certain approved loan commitments (primarily investment-grade commercial lending commitments).
The notional amount of such loan commitments was $27.51 billion and $29.24 billion as of December 2014 and December 2013, respectively.
The credit loss protection on loan commitments provided by SMFG is generally limited to 95% of the first loss the firm realizes on such commitments, up to a maximum of approximately $950 million.
In addition, subject to the satisfaction of certain conditions, upon the firm’s request, SMFG will provide protection for 70% of additional losses on such commitments, up to a maximum of $1.13 billion, of which $768 million and $870 million of protection had been provided as of December 2014 and December 2013, respectively.
The firm also uses other financial instruments to mitigate credit risks related to certain commitments not covered by SMFG.
These instruments primarily include credit default swaps that reference the same or similar underlying instrument or entity, or credit default swaps that reference a market index.
Warehouse Financing.
The firm provides financing to clients who warehouse financial assets.
These arrangements are secured by the warehoused assets, primarily consisting of corporate loans and commercial mortgage loans.
Contingent and Forward Starting Resale and Securities Borrowing Agreements/Forward Starting Repurchase and Secured Lending Agreements The firm enters into resale and securities borrowing agreements and repurchase and secured lending agreements that settle at a future date, generally within three business days.
The firm also enters into commitments to provide contingent financing to its clients and counterparties through resale agreements.
The firm’s funding of these commitments depends on the satisfaction of all contractual conditions to the resale agreement and these commitments can expire unused.
Letters of Credit The firm has commitments under letters of credit issued by various banks which the firm provides to counterparties in lieu of securities or cash to satisfy various collateral and margin deposit requirements.
Investment Commitments The firm’s investment commitments of $5.16 billion and $7.12 billion as of December 2014 and December 2013, respectively, include commitments to invest in private equity, real estate and other assets directly and through funds that the firm raises and manages.
Of these amounts, $2.87 billion and $5.48 billion as of December 2014 and December 2013, respectively, relate to commitments to invest in funds managed by the firm.
If these commitments are called, they would be funded at market value on the date of investment.
Leases The firm has contractual obligations under long-term noncancelable lease agreements, principally for office space, expiring on various dates through 2069.
Certain agreements are subject to periodic escalation provisions for increases in real estate taxes and other charges.
The table below presents future minimum rental payments, net of minimum sublease rentals.
## Table 1 ##
Rent charged to operating expense was $309 million for 2014, $324 million for 2013 and $374 million for 2012.
Operating leases include office space held in excess of current requirements.
Rent expense relating to space held for growth is included in “Occupancy.
” The firm records a liability, based on the fair value of the remaining lease rentals reduced by any potential or existing sublease rentals, for leases where the firm has ceased using the space and management has concluded that the firm will not derive any future economic benefits.
Costs to terminate a lease before the end of its term are recognized and measured at fair value on termination.
MetLife, Inc.  Consolidated Statements of Stockholders’ Equity For the Years Ended December 31, 2007, 2006 and 2005 (In millions)
## Table 2 ##

<table><tr><td></td><td>Fiscal2014</td><td>Fiscal2013</td><td>Fiscal2012</td><td>% Change2014-2013</td><td>% Change2013-2012</td></tr><tr><td>Americas</td><td>$2,314.4</td><td>$2,134.4</td><td>$2,196.4</td><td>8%</td><td>-3%</td></tr><tr><td>Percentage of total revenue</td><td>56%</td><td>53%</td><td>50%</td><td></td><td></td></tr><tr><td>EMEA</td><td>1,179.9</td><td>1,129.2</td><td>1,294.6</td><td>4%</td><td>-13%</td></tr><tr><td>Percentage of total revenue</td><td>28%</td><td>28%</td><td>29%</td><td></td><td></td></tr><tr><td>APAC</td><td>652.8</td><td>791.6</td><td>912.7</td><td>-18%</td><td>-13%</td></tr><tr><td>Percentage of total revenue</td><td>16%</td><td>19%</td><td>21%</td><td></td><td></td></tr><tr><td>Total revenue</td><td>$4,147.1</td><td>$4,055.2</td><td>$4,403.7</td><td>2%</td><td>-8%</td></tr></table>
<table><tr><td><i>$ in millions</i></td><td>As of December 2014</td></tr><tr><td>2015</td><td>$ 321</td></tr><tr><td>2016</td><td>292</td></tr><tr><td>2017</td><td>274</td></tr><tr><td>2018</td><td>226</td></tr><tr><td>2019</td><td>190</td></tr><tr><td>2020 - thereafter</td><td>870</td></tr><tr><td>Total</td><td>$2,173</td></tr></table>
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td colspan="3">Accumulated Other Comprehensive Income</td><td></td></tr><tr><td></td><td> Preferred   Stock</td><td> Common   Stock</td><td>Additional Paid-in Capital</td><td>Retained Earnings</td><td>Treasury Stock at Cost</td><td>Net Unrealized Investment Gains (Losses)</td><td>Foreign Currency Translation Adjustments</td><td>Defined Benefit Plans Adjustment</td><td>Total</td></tr><tr><td>Balance at January 1, 2005</td><td>$—</td><td>$8</td><td>$15,037</td><td>$6,608</td><td>-1,785</td><td>$2,994</td><td>$92</td><td>$-130</td><td>$22,824</td></tr><tr><td>Treasury stock transactions, net</td><td></td><td></td><td>58</td><td></td><td>99</td><td></td><td></td><td></td><td>157</td></tr><tr><td>Common stock issued in connection with acquisition</td><td></td><td></td><td>283</td><td></td><td>727</td><td></td><td></td><td></td><td>1,010</td></tr><tr><td>Issuance of preferred stock</td><td>1</td><td></td><td>2,042</td><td></td><td></td><td></td><td></td><td></td><td>2,043</td></tr><tr><td>Issuance of stock purchase contracts related to common equity units</td><td></td><td></td><td>-146</td><td></td><td></td><td></td><td></td><td></td><td>-146</td></tr><tr><td>Dividends on preferred stock</td><td></td><td></td><td></td><td>-63</td><td></td><td></td><td></td><td></td><td>-63</td></tr><tr><td>Dividends on common stock</td><td></td><td></td><td></td><td>-394</td><td></td><td></td><td></td><td></td><td>-394</td></tr><tr><td>Comprehensive income:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td></td><td></td><td></td><td>4,714</td><td></td><td></td><td></td><td></td><td>4,714</td></tr><tr><td>Other comprehensive income (loss):</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Unrealized gains (losses) on derivative instruments, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td>233</td><td></td><td></td><td>233</td></tr><tr><td>Unrealized investment gains (losses), net of related offsets and income tax</td><td></td><td></td><td></td><td></td><td></td><td>-1,285</td><td></td><td></td><td>-1,285</td></tr><tr><td>Foreign currency translation adjustments, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td>-81</td><td></td><td>-81</td></tr><tr><td>Additional minimum pension liability adjustment, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>89</td><td>89</td></tr><tr><td>Other comprehensive income (loss)</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>-1,044</td></tr><tr><td>Comprehensive income</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>3,670</td></tr><tr><td>Balance at December 31, 2005</td><td>1</td><td>8</td><td>17,274</td><td>10,865</td><td>-959</td><td>1,942</td><td>11</td><td>-41</td><td>29,101</td></tr><tr><td>Treasury stock transactions, net</td><td></td><td></td><td>180</td><td></td><td>-398</td><td></td><td></td><td></td><td>-218</td></tr><tr><td>Dividends on preferred stock</td><td></td><td></td><td></td><td>-134</td><td></td><td></td><td></td><td></td><td>-134</td></tr><tr><td>Dividends on common stock</td><td></td><td></td><td></td><td>-450</td><td></td><td></td><td></td><td></td><td>-450</td></tr><tr><td>Comprehensive income:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td></td><td></td><td></td><td>6,293</td><td></td><td></td><td></td><td></td><td>6,293</td></tr><tr><td>Other comprehensive income (loss):</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Unrealized gains (losses) on derivative instruments, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td>-43</td><td></td><td></td><td>-43</td></tr><tr><td>Unrealized investment gains (losses), net of related offsets and income tax</td><td></td><td></td><td></td><td></td><td></td><td>-35</td><td></td><td></td><td>-35</td></tr><tr><td>Foreign currency translation adjustments, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td>46</td><td></td><td>46</td></tr><tr><td>Additional minimum pension liability adjustment, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>-18</td><td>-18</td></tr><tr><td>Other comprehensive income (loss)</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>-50</td></tr><tr><td>Comprehensive income</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>6,243</td></tr><tr><td>Adoption of SFAS 158, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>-744</td><td>-744</td></tr><tr><td>Balance at December 31, 2006</td><td>1</td><td>8</td><td>17,454</td><td>16,574</td><td>-1,357</td><td>1,864</td><td>57</td><td>-803</td><td>33,798</td></tr><tr><td>Cumulative effect of changes in accounting principles, net of income tax (Note 1)</td><td></td><td></td><td></td><td>-329</td><td></td><td></td><td></td><td></td><td>-329</td></tr><tr><td>Balance at January 1, 2007</td><td>1</td><td>8</td><td>17,454</td><td>16,245</td><td>-1,357</td><td>1,864</td><td>57</td><td>-803</td><td>33,469</td></tr><tr><td>Treasury stock transactions, net</td><td></td><td></td><td>94</td><td></td><td>-1,533</td><td></td><td></td><td></td><td>-1,439</td></tr><tr><td>Obligation under accelerated common stock repurchase agreement (Note 18)</td><td></td><td></td><td>-450</td><td></td><td></td><td></td><td></td><td></td><td>-450</td></tr><tr><td>Dividends on preferred stock</td><td></td><td></td><td></td><td>-137</td><td></td><td></td><td></td><td></td><td>-137</td></tr><tr><td>Dividends on common stock</td><td></td><td></td><td></td><td>-541</td><td></td><td></td><td></td><td></td><td>-541</td></tr><tr><td>Comprehensive income:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td></td><td></td><td></td><td>4,317</td><td></td><td></td><td></td><td></td><td>4,317</td></tr><tr><td>Other comprehensive income (loss):</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Unrealized gains (losses) on derivative instruments, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td>-40</td><td></td><td></td><td>-40</td></tr><tr><td>Unrealized investment gains (losses), net of related offsets and income tax</td><td></td><td></td><td></td><td></td><td></td><td>-853</td><td></td><td></td><td>-853</td></tr><tr><td>Foreign currency translation adjustments, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td>290</td><td></td><td>290</td></tr><tr><td>Defined benefit plans adjustment, net of income tax</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>563</td><td>563</td></tr><tr><td>Other comprehensive income (loss)</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>-40</td></tr><tr><td>Comprehensive income</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td>4,277</td></tr><tr><td>Balance at December 31, 2007</td><td>$1</td><td>$8</td><td>$17,098</td><td>$19,884</td><td>$-2,890</td><td>$971</td><td>$347</td><td>$-240</td><td>$35,179</td></tr></table>

Question: What is the Net income for Retained Earnings in the year when the Balance for Retained Earnings on December 31 is greater than 19000?
Answer: 4317