account managers to manage customer relationships on a global basis such that it can bring to bear its total resources to meet the worldwide needs of its multinational customers.
Manufacturing The Company is a global manufacturer employing advanced manufacturing processes including molding, stamping, plating, turning, extruding, die casting and assembly operations and proprietary process technology for specialty and coaxial cable production and sensor fabrication.
Outsourcing of certain manufacturing processes is used when costeffective.
Substantially all of the Company’s manufacturing facilities are certified to the ISO9000 series of quality standards, and many of the Company’s manufacturing facilities are certified to other quality standards, including QS9000, ISO14000, TS16949 and TS16469.
The Company’s manufacturing facilities are generally vertically integrated operations from the initial design stage through final design and manufacturing.
The Company has an established manufacturing presence in approximately 30 countries.
Our global coverage positions us near many of our customers’ locations and allows us to assist them in consolidating their supply base and lowering their production and logistics costs.
In addition, the Company generally relies on local general management in every region, which we believe creates a strong degree of organizational stability and deeper understanding of local markets.
We believe our balanced geographic distribution lowers our exposure to any particular geography.
The Company designs, manufactures and assembles its products at facilities in the Americas, Europe, Asia, Australia and Africa.
The Company believes that its global presence is an important competitive advantage, as it allows the Company to provide quality products on a timely and worldwide basis to its multinational customers.
The Company employs a global manufacturing strategy to lower its production and logistics costs and to improve service to customers.
The Company’s strategy is to maintain strong cost controls in its manufacturing and assembly operations.
The Company is continually evaluating and adjusting its expense levels and workforce to reflect current business conditions and maximize the return on capital investments.
The Company sources its products on a worldwide basis.
To better serve certain high-volume customers, the Company has established just-in-time facilities near these major customers.
The Company’s international manufacturing and assembly facilities generally serve the respective local markets and coordinate product design and manufacturing responsibility with the Company’s other operations around the world.
For a discussion of certain risks attendant to the Company’s foreign operations, refer to the risk factor titled “The Company is subject to the risks of political, economic and military instability in countries outside the United States” in Part I, Item 1A herein.
Net sales by geographic area as a percentage of the Company’s total net sales for the years ended December 31, 2016, 2015 and 2014 were as follows:
## Table 0 ##
Net sales by geographic area are based on the customer location to which the product is shipped.
For additional information regarding net sales by geographic area, refer to Note 11 of the Notes to the Consolidated Financial Statements in Item 8 of this Annual Report on Form 10-K.  Research and Development The Company generally implements its product development strategy through product design teams and collaboration arrangements with customers, which often results in the Company obtaining approved vendor status for its customers’ new products and programs.
The Company focuses its research and development efforts primarily on those product areas that it believes have the potential for broad market applications and significant sales within a one- to threeyear period.
The Company seeks to have its products become widely accepted within the industry for similar applications and products manufactured by other potential customers, which the Company believes will provide additional sources of future revenue.
By developing application specific products, the Company has decreased its exposure to standard products, which generally experience greater pricing pressure.
NOTE 4 Outstanding Loans and Leases The following tables present total outstanding loans and leases and an aging analysis for the Consumer Real Estate, Credit Card and Other Consumer,and Commercial portfolio segments,by class of financing receivables, at December 31, 2017 and 2016.
In 2017,the Corporation sold its non-U.
S.  consumer credit card business.
This business, which at December 31, 2016 included $9.2 billion of non-U.
S.  credit card loans and the related allowance for loan and lease losses of $243 million,was presented in assets of business held for sale on the Consolidated Balance Sheet.
In this Note, all applicable amounts for December 31, 2016 include these balances, unless otherwise noted.
For more information, see Note 1 – Summary of Significant Accounting Principles.
## Table 1 ##
(1) Consumer real estate loans 30-59 days past due includes fully-insured loans of $850 million and nonperforming loans of $253 million.
Consumer real estate loans 60-89 days past due includes fully-insured loans of $386 million and nonperforming loans of $195 million.
(2) Consumer real estate includes fully-insured loans of $3.2 billion.
(3) Consumer real estate includes $2.3 billion and direct/indirect consumer includes $43 million of nonperforming loans.
(4) PCI loan amounts are shown gross of the valuation allowance.
(5) Total outstandings includes pay option loans of $1.4 billion.
The Corporation no longer originates this product.
(6) Total outstandings includes auto and specialty lending loans of $49.9 billion, unsecured consumer lending loans of $469 million, U. S.  securities-based lending loans of $39.8 billion, non-U.
S.  consumer loans of $3.0 billion and other consumer loans of $684 million.
(7) Total outstandings includes consumer leases of $2.5 billion and consumer overdrafts of $163 million.
(8) Consumer loans accounted for under the fair value option includes residential mortgage loans of $567 million and home equity loans of $361 million.
Commercial loans accounted for under the fair value option includes U. S.  commercial loans of $2.6 billion and non-U.
S.  commercial loans of $2.2 billion.
For more information, see Note 20 – Fair Value Measurements and Note 21 – Fair Value Option.
(9) Total outstandings includes U. S.  commercial real estate loans of $54.8 billion and non-U.
S.  commercial real estate loans of $3.5 billion.
(10) The Corporation pledged $160.3 billion of loans to secure potential borrowing capacity with the Federal Reserve Bank and Federal Home Loan Bank (FHLB).
This amount is not included in the parenthetical disclosure of loans and leases pledged as collateral on the Consolidated Balance Sheet as there were no related outstanding borrowings.
Notes to Five Year Summary (a) Includes the effects of items not considered in senior management’s assessment of the operating performance of the Corporation’s business segments (see the section, “Results of Operations” in Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A)) which, on a combined basis, increased earnings from continuing operations before income taxes by $173 million, $113 million after tax ($0.25 per share).
(b) Includes the effects of items not considered in senior management’s assessment of the operating performance of the Corporation’s business segments (see the section, “Results of Operations” in MD&A) which, on a combined basis, decreased earnings from continuing operations before income taxes by $215 million, $154 million after tax ($0.34 per share).
Also includes a reduction in income tax expense resulting from the closure of an Internal Revenue Service examination of $144 million ($0.32 per share).
These items reduced earnings by $10 million after tax ($0.02 per share).
(c) Includes the effects of items not considered in senior management’s assessment of the operating performance of the Corporation’s business segments (see the section, “Results of Operations” in MD&A) which, on a combined basis, decreased earnings from continuing operations before income taxes by $153 million, $102 million after tax ($0.22 per share).
(d) Includes the effects of items not considered in senior management’s assessment of the operating performance of the Corporation’s business segments which, on a combined basis, decreased earnings from continuing operations before income taxes by $1,112 million, $632 million after tax ($1.40 per share).
In 2002, the Corporation adopted FAS 142 which prohibits the amortization of goodwill.
(e) Includes the effects of items not considered in senior management’s assessment of the operating performance of the Corporation’s business segments which, on a combined basis, decreased earnings from continuing operations before income taxes by $973 million, $651 million after tax ($1.50 per share).
Also includes a gain from the disposal of a business and charges for the Corporation’s exit from its global telecommunications services business which is included in discontinued operations and which, on a combined basis, increased the net loss by $1 billion ($2.38 per share).
(f) The Corporation defines return on invested capital (ROIC) as net income plus after-tax interest expense divided by average invested capital (stockholders’ equity plus debt), after adjusting stockholders’ equity by adding back the minimum pension liability.
The adjustment to add back the minimum pension liability is a revision to our calculation in 2005, which the Corporation believes more closely links ROIC to management performance.
Further, the Corporation believes that reporting ROIC provides investors with greater visibility into how effectively Lockheed Martin uses the capital invested in its operations.
The Corporation uses ROIC to evaluate multi-year investment decisions and as a long-term performance measure, and also uses ROIC as a factor in evaluating management performance under certain incentive compensation plans.
ROIC is not a measure of financial performance under GAAP, and may not be defined and calculated by other companies in the same manner.
ROIC should not be considered in isolation or as an alternative to net earnings as an indicator of performance.
The following calculations of ROIC reflect the revision to the calculation discussed above for all periods presented.
## Table 2 ##
1 Represents after-tax interest expense utilizing the federal statutory rate of 35%.2 Debt consists of long-term debt, including current maturities, and short-term borrowings (if any).3 Equity includes non-cash adjustments for other comprehensive losses, primarily for the additional minimum pension liability.4 Minimum pension liability values reflect the cumulative value of entries identified in our Statement of Stockholders Equity under the caption “Minimum pension liability.
” The annual minimum pension liability adjustments to equity were: 2001 = ($33 million); 2002 = ($1,537 million); 2003 = $331 million; 2004 = ($285 million); 2005 = ($105 million).
As these entries are recorded in the fourth quarter, the value added back to our average equity in a given year is the cumulative impact of all prior year entries plus 20% of the current year entry value.5 Yearly averages are calculated using balances at the start of the year and at the end of each quarter.
The effect of 1,593,807, 2,437,100 and 2,433,400 shares of common stock equivalents under stock compensation plans were excluded from the calculation of diluted earnings per share for the years ended December 31, 2015, 2014 and 2013, respectively, as such shares would have been anti-dilutive.
Comprehensive Income/(Loss) Comprehensive income/(loss) is reported in the accompanying consolidated statements of comprehensive income/(loss) and consists of net income and other gains and losses, net of tax affecting equity that are excluded from net income.
Accounts Receivable During the year ended December 31, 2015, the Company sold $50 million of accounts receivables to a third party and recorded an immaterial loss on the sale to interest expense, net in the consolidated statement of operations.
The sale was accounted for as a true sale, without recourse.
We maintain servicing responsibilities of the receivables, for which the related costs are not significant.
The proceeds of $50 million from the sale were reported as a component of the changes in trade and other receivables, net within operating activities in the consolidated statement of cash flows.
Other Significant Accounting Policies The following table includes other significant accounting policies that are described in other notes to the financial statements, including the related note:

<table><tr><td></td><td>2016</td><td>2015</td><td>2014</td></tr><tr><td>United States</td><td>28%</td><td>30%</td><td>31%</td></tr><tr><td>China</td><td>30%</td><td>30%</td><td>27%</td></tr><tr><td>Other international locations</td><td>42%</td><td>40%</td><td>42%</td></tr><tr><td>Total</td><td>100%</td><td>100%</td><td>100%</td></tr></table>
<table><tr><td></td><td>30-59 Days Past Due<sup>-1</sup></td><td>60-89 Days Past Due<sup>-1</sup></td><td>90 Days orMorePast Due<sup>-2</sup></td><td>Total PastDue 30 Daysor More</td><td>Total Current or Less Than 30 Days Past Due<sup>-3</sup></td><td>PurchasedCredit-impaired<sup>-4</sup></td><td>Loans Accounted for Under the Fair Value Option</td><td>TotalOutstandings</td></tr><tr><td>(Dollars in millions)</td><td colspan="8">December 31, 2017</td></tr><tr><td>Consumer real estate</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Core portfolio</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>$1,242</td><td>$321</td><td>$1,040</td><td>$2,603</td><td>$174,015</td><td></td><td></td><td>$176,618</td></tr><tr><td>Home equity</td><td>215</td><td>108</td><td>473</td><td>796</td><td>43,449</td><td></td><td></td><td>44,245</td></tr><tr><td>Non-core portfolio</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage<sup>-5</sup></td><td>1,028</td><td>468</td><td>3,535</td><td>5,031</td><td>14,161</td><td>$8,001</td><td></td><td>27,193</td></tr><tr><td>Home equity</td><td>224</td><td>121</td><td>572</td><td>917</td><td>9,866</td><td>2,716</td><td></td><td>13,499</td></tr><tr><td>Credit card and other consumer</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. credit card</td><td>542</td><td>405</td><td>900</td><td>1,847</td><td>94,438</td><td></td><td></td><td>96,285</td></tr><tr><td>Direct/Indirect consumer<sup>-6</sup></td><td>320</td><td>102</td><td>43</td><td>465</td><td>93,365</td><td></td><td></td><td>93,830</td></tr><tr><td>Other consumer<sup>-7</sup></td><td>10</td><td>2</td><td>1</td><td>13</td><td>2,665</td><td></td><td></td><td>2,678</td></tr><tr><td>Total consumer</td><td>3,581</td><td>1,527</td><td>6,564</td><td>11,672</td><td>431,959</td><td>10,717</td><td></td><td>454,348</td></tr><tr><td>Consumer loans accounted for under the fair value option<sup>-8</sup></td><td></td><td></td><td></td><td></td><td></td><td></td><td>$928</td><td>928</td></tr><tr><td>Total consumer loans and leases</td><td>3,581</td><td>1,527</td><td>6,564</td><td>11,672</td><td>431,959</td><td>10,717</td><td>928</td><td>455,276</td></tr><tr><td>Commercial</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. commercial</td><td>547</td><td>244</td><td>425</td><td>1,216</td><td>283,620</td><td></td><td></td><td>284,836</td></tr><tr><td>Non-U.S. commercial</td><td>52</td><td>1</td><td>3</td><td>56</td><td>97,736</td><td></td><td></td><td>97,792</td></tr><tr><td>Commercial real estate<sup>-9</sup></td><td>48</td><td>10</td><td>29</td><td>87</td><td>58,211</td><td></td><td></td><td>58,298</td></tr><tr><td>Commercial lease financing</td><td>110</td><td>68</td><td>26</td><td>204</td><td>21,912</td><td></td><td></td><td>22,116</td></tr><tr><td>U.S. small business commercial</td><td>95</td><td>45</td><td>88</td><td>228</td><td>13,421</td><td></td><td></td><td>13,649</td></tr><tr><td>Total commercial</td><td>852</td><td>368</td><td>571</td><td>1,791</td><td>474,900</td><td></td><td></td><td>476,691</td></tr><tr><td>Commercial loans accounted for under the fair value option<sup>-8</sup></td><td></td><td></td><td></td><td></td><td></td><td></td><td>4,782</td><td>4,782</td></tr><tr><td>Total commercial loans and leases</td><td>852</td><td>368</td><td>571</td><td>1,791</td><td>474,900</td><td></td><td>4,782</td><td>481,473</td></tr><tr><td>Total loans and leases<sup>-10</sup></td><td>$4,433</td><td>$1,895</td><td>$7,135</td><td>$13,463</td><td>$906,859</td><td>$10,717</td><td>$5,710</td><td>$936,749</td></tr><tr><td>Percentage of outstandings</td><td>0.48%</td><td>0.20%</td><td>0.76%</td><td>1.44%</td><td>96.81%</td><td>1.14%</td><td>0.61%</td><td>100.00%</td></tr></table>
<table><tr><td><i>(In millions)</i></td><td>2005</td><td>2004</td><td>2003</td><td>2002</td><td>2001</td></tr><tr><td>Net earnings</td><td>$1,825</td><td>$1,266</td><td>$1,053</td><td>$500</td><td>$-1,046</td></tr><tr><td>Interest expense (multiplied by 65%)<sup>1</sup></td><td>241</td><td>276</td><td>317</td><td>378</td><td>455</td></tr><tr><td>Return</td><td>$2,066</td><td>$1,542</td><td>$1,370</td><td>$878</td><td>$-591</td></tr><tr><td>Average debt<sup>2, 5</sup></td><td>$5,077</td><td>$5,932</td><td>$6,612</td><td>$7,491</td><td>$8,782</td></tr><tr><td>Average equity<sup>3, 5</sup></td><td>7,590</td><td>7,015</td><td>6,170</td><td>6,853</td><td>7,221</td></tr><tr><td>Average minimum pension liability<sup>3, 4, 5</sup></td><td>1,545</td><td>1,296</td><td>1,504</td><td>341</td><td>6</td></tr><tr><td>Average invested capital</td><td>$14,212</td><td>$14,243</td><td>$14,286</td><td>$14,685</td><td>$16,009</td></tr><tr><td>Return on invested capital</td><td>14.5%</td><td>10.8%</td><td>9.6%</td><td>6.0%</td><td>-3.7%</td></tr></table>

Question: What is the amount of the term with the highest total loans and leases? (in million)
Answer: 936749