Archer-Daniels-Midland Company Notes to Consolidated Financial Statements (Continued) Note 11.
Stock Compensation (Continued) A summary of option activity during 2017 is presented below:
## Table 0 ##
(1) The number of shares granted during 2017 was immaterial.
The weighted-average remaining contractual term of options outstanding and exercisable at December 31, 2017, is 5 years and 4 years, respectively.
The aggregate intrinsic value of options outstanding and exercisable at December 31, 2017, is $82 million and $73 million, respectively.
The weighted-average grant-date fair values of options granted during the years ended December 31, 2017, 2016, and 2015, were $7.90, $5.67, and $10.29, respectively.
The total intrinsic values of options exercised during the years ended December 31, 2017, 2016, and 2015, were $11 million, $28 million, and $20 million, respectively.
Cash proceeds received from options exercised during the years ended December 31, 2017, 2016, and 2015, were $27 million, $62 million, and $28 million, respectively.
A t December 31, 2017, there was $13 million of total unrecognized compensation expense related to option grants.
Amounts to be recognized as compensation expense during the next three years are $6 million, $4 million, and $3 million, respectively.
The Company’s 2009 Incentive Compensation Plan provides for the granting of restricted stock and restricted stock units (Restricted Stock Awards) at no cost to certain officers and key employees.
In addition, the Company’s 2009 Incentive Compensation Plan also provides for the granting of performance stock units (PSUs) at no cost to certain officers and key employees.
Restricted Stock Awards are made in common stock or stock units with equivalent rights and vest at the end of a three-year restriction period.
The awards for PSUs are made in common stock units and vest at the end of a three-year vesting period subject to the attainment of certain future service and performance criteria based on the Company’s adjusted return on invested capital (ROIC), adjusted earnings before taxes, interest, and depreciation and amortization (EBITDA), and total shareholder return (TSR).
During the years ended December 31, 2017, 2016, and 2015, 2.2 million, 1.8 million, and 1.8 million common stock or stock units, respectively, were granted as Restricted Stock Awards and PSUs.
At December 31, 2017, there were 7.9 million shares available for future grants pursuant to the 2009 plan.
The fair value of Restricted Stock Awards is determined based on the market value of the Company’s shares on the grant date.
The fair value of PSUs is based on the weighted-average values of adjusted ROIC, adjusted EBITDA, and TSR.
The adjusted ROIC and adjusted EBITDA fair value is determined based on the market value of the Company's shares on the grant date while the TSR fair value is determined using the Monte Carlo simulation.
The weighted-average grant-date fair values of awards granted during the years ended December 31, 2017, 2016, and 2015 were $44.38, $33.31, and $46.73, respectively.
Banking).
The results of the first step of the impairment test showed no indication of impairment in any of the reporting units at any of the periods except December 31, 2008 and, accordingly, the Company did not perform the second step of the impairment test, except for the test performed as of December 31, 2008.
As of December 31, 2008, there was an indication of impairment in the North America Consumer Banking, Latin America Consumer Banking and EMEA Consumer Banking reporting units and, accordingly, the second step of testing was performed on these reporting units.
Based on the results of the second step of testing, the Company recorded a $9.6 billion pretax ($8.7 billion after tax) goodwill impairment charge in the fourth quarter of 2008, representing the entire amount of goodwill allocated to these reporting units.
The primary cause for the goodwill impairment in the above reporting units was the rapid deterioration in the financial markets, as well as in the global economic outlook particularly during the period beginning mid-November through year end 2008.
This deterioration further weakened the near-term prospects for the financial services industry.
These and other factors, including the increased possibility of further government intervention, also resulted in the decline in the Company’s market capitalization from approximately $90 billion at July 1, 2008 and approximately $74 billion at October 31, 2008 to approximately $36 billion at December 31, 2008.
The more significant fair-value adjustments in the pro forma purchase price allocation in the second step of testing were to fair-value loans and debt and were made to identify and value identifiable intangibles.
The adjustments to measure the assets, liabilities and intangibles were for the purpose of measuring the implied fair value of goodwill and such adjustments are not reflected in the Consolidated Balance Sheet.
The following table shows reporting units with goodwill balances and the excess of fair value of allocated book value as of December 31, 2008.
## Table 1 ##
While no impairment was noted in step one of our Securities and Banking reporting unit impairment test at October 31, 2008 and December 31, 2008, goodwill present in that reporting unit may be particularly sensitive to further deterioration in economic conditions.
Under the market approach for valuing this reporting unit, the earnings multiples and transaction multiples were selected from multiples obtained using data from guideline companies and acquisitions.
The selection of the actual multiple considers operating performance and financial condition such as return on equity and net income growth of Securities and Banking as compared to the guideline companies and acquisitions.
For the valuation under the income approach, the Company utilized a discount rate which it believes reflects the risk and uncertainty related to the projected cash flows, and selected 2013 as the terminal year.
In 2013, the value was derived assuming a return to historical levels of core-business profitability for the reporting unit, despite the significant losses experienced in 2008.
This assumption is based on management’s view that this recovery will occur based upon various macro- economic factors such as the recent U. S.  government stimulus actions, restoring marketplace confidence and improved risk-management practices on an industry-wide basis.
Furthermore, Company-specific actions such as its recently announced realignment of its businesses to optimize its global businesses for future profitable growth, will also be a factor in returning the Company’s core Securities and Banking business to historical levels.
Small deterioration in the assumptions used in the valuations, in particular the discount rate and growth rate assumptions used in the net income projections, could significantly affect the Company’s impairment evaluation and, hence, results.
If the future were to differ adversely from management’s best estimate of key economic assumptions and associated cash flows were to decrease by a small margin, the Company could potentially experience future material impairment charges with respect to the goodwill remaining in our Securities and Banking reporting unit.
Any such charges by themselves would not negatively affect the Company’s Tier 1 and Total Regulatory Capital Ratios, Tangible Capital or the Company’s liquidity position.
NORTH AMERICA REGIONAL CONSUMER BANKING North America Regional Consumer Banking (NA RCB) provides traditional banking and Citi-branded card services to retail customers and small to mid-size businesses in the U. S.  NA RCB’s approximate 1,000 retail bank branches and 13.1 million retail customer accounts are largely concentrated in the greater metropolitan areas of New York, Los Angeles, San Francisco, Chicago, Miami, Washington, D. C. , Boston, Philadelphia, and certain larger cities in Texas.
At December 31, 2010, NA RCB had $30.7 billion of retail banking and residential real estate loans and $144.8 billion of average deposits.
In addition, NA RCB had 21.2 million Citi-branded credit card accounts, with $77.5 billion in outstanding card loan balances.
## Table 2 ##
2010 vs.  2009 Revenues, net of interest expense increased 72% from the prior year, primarily due to the consolidation of securitized credit card receivables pursuant to the adoption of SFAS 166/167 effective January 1, 2010.
On a comparable basis, Revenues, net of interest expense, declined 3% from the prior year, mainly due to lower volumes in branded cards as well as the net impact of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) on cards revenues.
This decrease was partially offset by better mortgage-related revenues.
Net interest revenue was down 6% on a comparable basis driven primarily by lower volumes in cards, with average managed loans down 7% from the prior year, and in retail banking, where average loans declined 11%.
The increase in deposit volumes, up 4% from the prior year, was offset by lower spreads in the current interest rate environment.
Non-interest revenue increased 9% on a comparable basis from the prior year mainly driven by better servicing hedge results and higher gains from loan sales in mortgages.
Operating expenses increased 4% from the prior year, driven by the impact of litigation reserves in the first quarter of 2010 and higher marketing costs.
Provisions for loan losses and for benefits and claims increased $6.0 billion primarily due to the consolidation of securitized credit card receivables pursuant to the adoption of SFAS 166/167.
On a comparable basis, Provisions for loan losses and for benefits and claims decreased $0.9 billion, or 11%, primarily due to a net loan loss reserve release of $0.3 billion in 2010 compared to a $0.5 billion loan loss reserve build in the prior year, and lower net credit losses in the branded cards portfolio.
Also on a comparable basis, the cards net credit loss ratio increased 61 basis points to 10.02%, driven by lower average loans.

<table><tr><td></td><td>Shares</td><td>Weighted-AverageExercise Price</td></tr><tr><td></td><td colspan="2">(In thousands, except per share amounts)</td></tr><tr><td>Shares under option at December 31, 2016</td><td>11,923</td><td>$33.03</td></tr><tr><td>Granted<sup>-1</sup></td><td>—</td><td>—</td></tr><tr><td>Exercised</td><td>-880</td><td>30.61</td></tr><tr><td>Forfeited or expired</td><td>-17</td><td>28.33</td></tr><tr><td>Shares under option at December 31, 2017</td><td>11,026</td><td>$33.23</td></tr><tr><td>Exercisable at December 31, 2017</td><td>7,532</td><td>$30.93</td></tr></table>
<table><tr><td>Reporting Unit<i>($ inmillions)</i></td><td>Fair Value as a % of Allocated Book Value</td><td>Goodwill(post-impairment)</td></tr><tr><td>North America Cards</td><td>139%</td><td>6,765</td></tr><tr><td>International Cards</td><td>218%</td><td>4,066</td></tr><tr><td>Asia Consumer Banking</td><td>293%</td><td>3,106</td></tr><tr><td>Securities & Banking</td><td>109%</td><td>9,774</td></tr><tr><td>Global Transaction Services</td><td>994%</td><td>1,570</td></tr><tr><td>North America GWM</td><td>386%</td><td>1,259</td></tr><tr><td>International GWM</td><td>171%</td><td>592</td></tr></table>
<table><tr><td>In millions of dollars</td><td>2010</td><td>2009</td><td>2008</td><td>% Change 2010 vs. 2009</td><td>% Change 2009 vs. 2008</td></tr><tr><td>Net interest revenue</td><td>$11,216</td><td>$5,204</td><td>$4,332</td><td>NM</td><td>20%</td></tr><tr><td>Non-interest revenue</td><td>3,574</td><td>3,372</td><td>4,275</td><td>6%</td><td>-21</td></tr><tr><td>Total revenues, net of interest expense</td><td>$14,790</td><td>$8,576</td><td>$8,607</td><td>72%</td><td>—</td></tr><tr><td>Total operating expenses</td><td>$6,224</td><td>$5,987</td><td>$9,105</td><td>4%</td><td>-34%</td></tr><tr><td>Net credit losses</td><td>$8,022</td><td>$1,151</td><td>$617</td><td>NM</td><td>87%</td></tr><tr><td>Credit reserve build (release)</td><td>-313</td><td>527</td><td>465</td><td>NM</td><td>13</td></tr><tr><td>Provisions for benefits and claims</td><td>24</td><td>50</td><td>4</td><td>-52%</td><td>NM</td></tr><tr><td>Provisions for loan losses and for benefits and claims</td><td>$7,733</td><td>$1,728</td><td>$1,086</td><td>NM</td><td>59%</td></tr><tr><td>Income (loss) from continuing operations before taxes</td><td>$833</td><td>861</td><td>$-1,584</td><td>-3%</td><td>NM</td></tr><tr><td>Income taxes (benefits)</td><td>226</td><td>131</td><td>-80</td><td>73</td><td>NM</td></tr><tr><td>Income (loss) from continuing operations</td><td>$607</td><td>$730</td><td>$-1,504</td><td>-17%</td><td>NM</td></tr><tr><td>Net income attributable to noncontrolling interests</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Net income (loss)</td><td>$607</td><td>$730</td><td>$-1,504</td><td>-17%</td><td>NM</td></tr><tr><td>Average assets(in billions of dollars)</td><td>$119</td><td>$73</td><td>$75</td><td>63%</td><td>-3%</td></tr><tr><td>Average deposits(in billions of dollars)</td><td>$145</td><td>$140</td><td>$125</td><td>4%</td><td>12%</td></tr><tr><td>Net credit losses as a percentage of average loans</td><td>7.48%</td><td>2.43%</td><td>1.39%</td><td></td><td></td></tr><tr><td>Revenue by business</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Retail banking</td><td>$5,325</td><td>$5,237</td><td>$4,613</td><td>2%</td><td>14%</td></tr><tr><td>Citi-branded cards</td><td>9,465</td><td>3,339</td><td>3,994</td><td>NM</td><td>-16</td></tr><tr><td>Total</td><td>$14,790</td><td>$8,576</td><td>$8,607</td><td>72%</td><td>—</td></tr><tr><td>Income (loss) from continuing operations by business</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Retail banking</td><td>$771</td><td>$805</td><td>$-1,714</td><td>-4%</td><td>NM</td></tr><tr><td>Citi-branded cards</td><td>-164</td><td>-75</td><td>210</td><td>NM</td><td>NM</td></tr><tr><td>Total</td><td>$607</td><td>$730</td><td>$-1,504</td><td>-17%</td><td>NM</td></tr></table>

Question: How many revenues, net of interest expenses keep increasing each year between 2008 and 2010?
Answer: 1