Protection Our Protection segment offers a variety of products to address the protection and risk management needs of our retail clients including life, DI and property casualty insurance.
Life and DI products are primarily provided through our advisors.
Our property casualty products are sold primarily through affinity relationships.
We issue insurance policies through our life insurance and property casualty subsidiaries.
The primary sources of revenues for this segment are premiums, fees and charges we receive to assume insurance-related risk.
We earn net investment income on owned assets supporting insurance reserves and capital supporting the business.
We also receive fees based on the level of assets supporting VUL separate account balances.
This segment earns intersegment revenues from fees paid by our Asset Management segment for marketing support and other services provided in connection with the availability of VIT Funds under the VUL contracts.
Intersegment expenses for this segment include distribution expenses for services provided by our Advice & Wealth Management segment, as well as expenses for investment management services provided by our Asset Management segment.
The following table presents the results of operations of our Protection segment on an operating basis:
## Table 0 ##
Our Protection segment pretax operating income, which excludes net realized gains or losses and the market impact on indexed universal life benefits (net of hedges and the related DAC amortization, unearned revenue amortization and the reinsurance accrual), decreased $90 million, or 27%, to $246 million for the year ended December 31, 2014 compared to $336 million for the prior year primarily due to lower auto and home earnings reflecting higher incurred losses, as well as the impact of unlocking.
Net Revenues Net revenues, which exclude net realized gains or losses and the unearned revenue amortization and the reinsurance accrual offset to the market impact on indexed universal life benefits, increased $101 million, or 5%, to $2.3 billion for the year ended December 31, 2014 compared to $2.2 billion for the prior year primarily due to growth in auto and home premiums partially offset by the impact of unlocking.
Premiums increased $104 million, or 9%, to $1.3 billion for the year ended December 31, 2014 compared to $1.2 billion for the prior year primarily due to growth in auto and home premiums driven by continued new policy sales growth, primarily from our affinity relationships with Costco and Progressive.
Auto and home policies in force increased 11% compared to the prior year.
Other revenues decreased $13 million, or 3%, to $397 million for the year ended December 31, 2014 compared to $410 million for the prior year primarily due to a $29 million unfavorable impact from unlocking for the year ended December 31, 2014 compared to an $18 million unfavorable impact in the prior year.
The primary driver of the unlocking impact to other revenues in both periods was lower projected gains on reinsurance contracts resulting from favorable mortality experience.
Reinsurance commissions, fees and other revenue increased 1% driven by a favorable foreign currency translation of 2% and was partially offset by a 1% decline in dispositions, net of acquisitions and other.
Organic revenue was flat primarily resulting from strong growth in the capital market transactions and advisory business, partially offset by declines in global facultative placements.
Operating Income Operating income increased $120 million, or 10%, from 2010 to $1.3 billion in 2011.
In 2011, operating income margins in this segment were 19.3%, up 70 basis points from 18.6% in 2010.
Operating margin improvement was primarily driven by revenue growth, reduced costs of restructuring initiatives and realization of the benefits of those restructuring plans, which was partially offset by the negative impact of expense increases related to investment in the business, lease termination costs, legacy receivables write-off, and foreign currency exchange rates.
## Table 1 ##
In October 2010, we completed the acquisition of Hewitt, one of the world’s leading human resource consulting and outsourcing companies.
Hewitt operates globally together with Aon’s existing consulting and outsourcing operations under the newly created Aon Hewitt brand.
Hewitt’s operating results are included in Aon’s results of operations beginning October 1, 2010.
Our HR Solutions segment generated approximately 40% of our consolidated total revenues in 2011 and provides a broad range of human capital services, as follows: ?
Health and Benefits advises clients about how to structure, fund, and administer employee benefit programs that attract, retain, and motivate employees.
Benefits consulting includes health and welfare, executive benefits, workforce strategies and productivity, absence management, benefits administration, data-driven health, compliance, employee commitment, investment advisory and elective benefits services.
Effective January 1, 2012, this line of business will be included in the results of the Risk Solutions segment.  ?
Retirement specializes in global actuarial services, defined contribution consulting, investment consulting, tax and ERISA consulting, and pension administration.  ?
Compensation focuses on compensatory advisory/counsel including: compensation planning design, executive reward strategies, salary survey and benchmarking, market share studies and sales force effectiveness, with special expertise in the financial services and technology industries.  ?
Strategic Human Capital delivers advice to complex global organizations on talent, change and organizational effectiveness issues, including talent strategy and acquisition, executive on-boarding, performance management, leadership assessment and development, communication strategy, workforce training and change management.  ?
Benefits Administration applies our HR expertise primarily through defined benefit (pension), defined contribution (401(k)), and health and welfare administrative services.
Our model replaces the resource-intensive processes once required to administer benefit plans with more efficient, effective, and less costly solutions.  ?
Human Resource Business Processing Outsourcing (‘‘HR BPO’’) provides market-leading solutions to manage employee data; administer benefits, payroll and other human resources processes; and
McKESSON CORPORATION FINANCIAL REVIEW (Continued) 31 Our Distribution Solutions segment uses the LIFO method of accounting for the majority of its inventories, which results in cost of sales that more closely reflects replacement cost than do other accounting methods, thereby mitigating the effects of inflation and deflation on operating profit.
The practice in the Distribution Solutions’ distribution businesses is to pass on to customers published price changes from suppliers.
Manufacturers generally provide us with price protection, which limits price-related inventory losses.
Price declines on many generic pharmaceutical products in this segment over the last few years have moderated the effects of inflation in other product categories, which resulted in minimal overall price changes in those years.
Additional information regarding our LIFO accounting is included under the caption “Critical Accounting Policies” included in this Financial Review.
In 2007, our Distribution Solutions segment’s gross profit margin increased compared to the prior year.
Gross profit margin was impacted by higher buy side margins, the benefit of increased sales of generic drugs with higher margins and an increase in LIFO inventory credits ($64 million in 2007 compared with $32 million in 2006).
In addition, gross profit margin benefited from a relatively stable sell side margin.
Partially offsetting these increases was a decrease associated with antitrust settlements ($10 million in 2007 compared with $95 million in 2006), $15 million of impairment charges associated with the write-down of certain abandoned assets within our retail automation group and a decrease associated with a larger proportion of revenues within the segment attributed to sales to customers’ warehouses.
During the first quarter of 2007, we contributed $36 million in cash and $45 million in net assets primarily from our Automated Prescription Systems business to Parata Systems, LLC (“Parata”), in exchange for a significant minority interest in Parata.
Parata is a manufacturer of pharmacy robotic equipment.
In connection with the investment, we abandoned certain assets which resulted in a $15 million charge to cost of sales and we incurred $6 million of other expenses related to the transaction which were recorded within operating expenses.
We did not recognize any additional gains or losses as a result of this transaction as we believe the fair value of our investment in Parata approximates the carrying value of consideration contributed to Parata.
Our investment in Parata is accounted for under the equity method of accounting within our Distribution Solutions segment.
Technology Solutions segment’s gross profit margin decreased primarily reflecting a change in product mix.
In 2008, this segment’s product mix included a higher proportion of lower margin Per-Se service revenues.
Partially offsetting this decrease, 2008 gross profit margin was positively impacted by the recognition of $21 million of disease management deferred revenues for a contract for which expenses associated with these revenues were previously recognized as incurred.
## Table 2 ##

<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2014</td><td>2013</td><td colspan="2">Change</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td>Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$59</td><td>$58</td><td>$1</td><td>2%</td></tr><tr><td>Distribution fees</td><td>92</td><td>91</td><td>1</td><td>1</td></tr><tr><td>Net investment income</td><td>447</td><td>439</td><td>8</td><td>2</td></tr><tr><td>Premiums</td><td>1,292</td><td>1,188</td><td>104</td><td>9</td></tr><tr><td>Other revenues</td><td>397</td><td>410</td><td>-13</td><td>-3</td></tr><tr><td>Total revenues</td><td>2,287</td><td>2,186</td><td>101</td><td>5</td></tr><tr><td>Banking and deposit interest expense</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total net revenues</td><td>2,287</td><td>2,186</td><td>101</td><td>5</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>61</td><td>62</td><td>-1</td><td>-2</td></tr><tr><td>Interest credited to fixed accounts</td><td>153</td><td>145</td><td>8</td><td>6</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>1,416</td><td>1,252</td><td>164</td><td>13</td></tr><tr><td>Amortization of deferred acquisition costs</td><td>135</td><td>118</td><td>17</td><td>14</td></tr><tr><td>Interest and debt expense</td><td>28</td><td>25</td><td>3</td><td>12</td></tr><tr><td>General and administrative expense</td><td>248</td><td>248</td><td>—</td><td>—</td></tr><tr><td>Total expenses</td><td>2,041</td><td>1,850</td><td>191</td><td>10</td></tr><tr><td>Operating earnings</td><td>$246</td><td>$336</td><td>$-90</td><td>-27%</td></tr></table>
<table><tr><td>Years ended December 31,</td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td>Revenue</td><td>$4,501</td><td>$2,111</td><td>$1,267</td></tr><tr><td>Operating income</td><td>448</td><td>234</td><td>203</td></tr><tr><td>Operating margin</td><td>10.0%</td><td>11.1%</td><td>16.0%</td></tr></table>
<table><tr><td></td><td colspan="3"> Years Ended March 31,</td></tr><tr><td><i>(Dollars in millions)</i></td><td> 2008</td><td> 2007</td><td> 2006</td></tr><tr><td>Operating Expenses</td><td></td><td></td><td></td></tr><tr><td>Distribution Solutions</td><td>$2,138</td><td>$1,896</td><td>$1,673</td></tr><tr><td>Technology Solutions</td><td>1,115</td><td>884</td><td>720</td></tr><tr><td>Corporate</td><td>283</td><td>294</td><td>213</td></tr><tr><td>Subtotal</td><td>3,536</td><td>3,074</td><td>2,606</td></tr><tr><td>Securities Litigation (credits) charge, net</td><td>-5</td><td>-6</td><td>45</td></tr><tr><td>Total</td><td>$3,531</td><td>$3,068</td><td>$2,651</td></tr><tr><td>Operating Expenses as a Percentage of Revenues</td><td></td><td></td><td></td></tr><tr><td>Distribution Solutions</td><td>2.17%</td><td>2.09%</td><td>1.97%</td></tr><tr><td>Technology Solutions</td><td>37.37</td><td>39.48</td><td>39.05</td></tr><tr><td>Total</td><td>3.47</td><td>3.30</td><td>3.05</td></tr></table>

Question: What's the average of distribution fees in 2014 and 2013? (in million)
Answer: 91.5