Repurchase of Equity Securities The following table provides information regarding our purchases of equity securities during the fourth quarter of 2008:
## Table 0 ##
1 Consists of restricted shares of our common stock withheld under the terms of grants under employee stock compensation plans to offset tax withholding obligations that occurred upon vesting and release of restricted shares during each month of the fourth quarter of 2008 (the “Withheld Shares”).2 The average price per month of the Withheld Shares was calculated by dividing the aggregate value of the tax withholding obligations for each month by the aggregate number of shares of our common stock withheld each month.
the final award payout with respect to incentive/performance unit share awards.
Restricted stock/unit awards have various vesting periods ranging from 12 months to 60 months.
There are no financial or performance goals associated with any of our restricted stock/unit awards.
The weighted-average grant-date fair value of incentive/ performance unit share awards and restricted stock/unit awards granted in 2008, 2007 and 2006 was $59.25, $73.83 and $67.36 per share, respectively.
We recognize compensation expense for such awards ratably over the corresponding vesting and/or performance periods for each type of program.
Total compensation expense recognized related to incentive/performance unit share awards and restricted stock/unit awards during 2008 was approximately $51 million compared with $42 million in 2007 and $45 million in 2006.
A summary of nonvested incentive/performance unit shares and restricted stock/unit share activity follows:
## Table 1 ##
In the chart above, the weighted-average grant-date fair value of incentive/performance unit share awards and restricted stock/unit awards is measured by reducing the grant date price by the present value of dividends expected to be paid on the underlying shares and for estimated forfeitures on restricted stock/unit awards.
At December 31, 2008, there was $39 million of unrecognized deferred compensation expense related to nonvested sharebased compensation arrangements granted under the Incentive Plans.
This cost is expected to be recognized as expense over a period of no longer than five years.
The total fair value of incentive/performance unit share and restricted stock /unit awards vested during 2008, 2007 and 2006 was approximately $41 million, $79 million and $63 million, respectively.
LIABILITY AWARDS In 2008, 2007 and 2006 we granted a performance unit incentive award each year to a senior executive.
The grant is share-denominated with an initial specified target number of 47,000 share units for 2008, 26,400 share units for 2007 and 30,000 share units for 2006.
The potential award is dependent on the achievement of certain performance criteria over a three-year period ending December 31, 2008 for the 2006 grant, December 31, 2009 for the 2007 grant, and December 31, 2010 for the 2008 grant.
Final awarded performance units will be paid only in cash.
Additionally, beginning in 2008, we granted other cashpayable restricted share units to certain executives.
The grants were made primarily as part of an annual bonus incentive deferral plan.
While there are time-based, service-related vesting criteria, there are no market or performance criteria associated with these awards.
Compensation expense recognized related to these awards was recorded in prior periods as part of annual cash bonus criteria.
As of December 31, 2008, there were 91,449 of these cash-payable restricted share units outstanding.
A summary of all nonvested, cash-payable restricted share unit activity follows:
## Table 2 ##
(a) There were no share units vested and received or forfeited during 2008.
Total compensation expense recognized related to liability awards, including market valuation adjustments recorded during 2008 on these awards, resulted in a net reduction to expense of approximately $1.1 million.
The corresponding amounts for 2007 and 2006 were approximately $1 million of net expense recognized in each year.
EMPLOYEE STOCK PURCHASE PLAN As of December 31, 2008, our ESPP has approximately 1.2 million shares available for issuance.
Full-time employees with six months and part-time employees with 12 months of continuous employment with us are eligible to participate in the ESPP at the commencement of the next six-month offering period.
Eligible participants may purchase our common stock at 95% of the fair market value on the last day of each six-month offering period.
No charge to earnings is recorded with respect to the ESPP.
Shares issued pursuant to the ESPP were as follows:
## Table 3 ##
BLACKROCK LTIP PROGRAMS BlackRock adopted the 2002 LTIP program to help attract and retain qualified professionals.
At that time, PNC agreed to transfer up to four million of the shares of BlackRock common stock then held by us to help fund the 2002 LTIP and future programs approved by BlackRock’s board of directors, subject to certain conditions and limitations.
Prior to 2006, BlackRock granted awards of approximately $233 million under the 2002 LTIP program, of which approximately $208
LOANS OUTSTANDING
## Table 4 ##
(a) Includes $99.7 billion of loans related to National City.
NONPERFORMING ASSETS AND RELATED INFORMATION
## Table 5 ##
(a) Amounts at December 31, 2008 include $722 million of nonperforming assets related to National City.
(b) Excludes loans held for sale carried at lower of cost or market value of $78 million at December 31, 2008, $25 million at December 31, 2007, $1 million at December 31, 2005, and $3 million at December 31, 2004 (includes $5 million, $1 million and $2 million of troubled debt restructured loans held for sale at December 31, 2008, December 31, 2005 and 2004, respectively).
(c) Excludes equity management assets that are carried at estimated fair value of $42 million at December 31, 2008, $4 million at December 31, 2007, $11 million (including $4 million of troubled debt restructured assets) at December 31, 2006, $25 million (including $7 million of troubled debt restructured assets) at December 31, 2005, and $32 million (including $11 million of troubled debt restructured assets) at December 31, 2004.  .

<table><tr><td></td><td>Total Number  of Shares  Purchased</td><td>Average  Price  Paid per  Share<sup>2</sup></td><td>Total Number of Shares  Purchased as Part of  Publicly Announced  Plans or Programs</td><td>Maximum  Number  ofShares  that May Yet Be  Purchased  Under the Plans  or Programs</td></tr><tr><td>October 1-31</td><td>29,704</td><td>$5.99</td><td>—</td><td>—</td></tr><tr><td>November 1-30</td><td>4,468</td><td>$3.24</td><td>—</td><td>—</td></tr><tr><td>December 1-31</td><td>12,850</td><td>$3.98</td><td>—</td><td>—</td></tr><tr><td>Total<sup>1</sup></td><td>47,022</td><td>$5.18</td><td>—</td><td>—</td></tr></table>
<table><tr><td>Shares in thousands</td><td>Nonvested Incentive/Performance Unit Shares</td><td>Weighted- Average Grant Date Fair Value</td><td>Nonvested Restricted Stock/ Unit Shares</td><td>Weighted- Average Grant DateFair Value</td></tr><tr><td>Dec. 31, 2007</td><td>316</td><td>$66.28</td><td>1,869</td><td>$60.20</td></tr><tr><td> Granted</td><td> 176</td><td>53.27</td><td>548</td><td>55.20</td></tr><tr><td> Vested</td><td></td><td></td><td>-652</td><td>50.92</td></tr><tr><td> Forfeited</td><td></td><td></td><td>-30</td><td>62.75</td></tr><tr><td> Dec. 31, 2008</td><td> 492</td><td>$61.63</td><td>1,735</td><td>$62.07</td></tr></table>
<table><tr><td>In thousands</td><td>Nonvested Cash- PayableRestricted Unit Shares</td><td>Aggregate Intrinsic Value</td></tr><tr><td>Outstanding, January 1, 2008</td><td>57</td><td></td></tr><tr><td>Granted</td><td>145</td><td></td></tr><tr><td> Outstanding, December 31, 2008 (a)</td><td> 202</td><td>$9,878</td></tr></table>
<table><tr><td>Year ended December 31</td><td> Shares</td><td colspan="2"> Price Per Share</td></tr><tr><td> 2008</td><td> 133,563</td><td> $</td><td> 54.25 and $46.55</td></tr><tr><td>2007</td><td>111,812</td><td></td><td>68.00 and 62.37</td></tr><tr><td>2006</td><td>105,041</td><td></td><td>66.66 and 70.34</td></tr></table>
<table><tr><td>December 31 - in millions</td><td> 2008 (a)</td><td>2007</td><td>2006</td><td>2005</td><td>2004</td></tr><tr><td>Commercial</td><td>$67,319</td><td>$28,539</td><td>$20,508</td><td>$19,258</td><td>$17,438</td></tr><tr><td>Commercial real estate</td><td>25,736</td><td>8,903</td><td>3,527</td><td>3,157</td><td>1,980</td></tr><tr><td>Equipment lease financing</td><td>6,461</td><td>2,514</td><td>2,789</td><td>2,792</td><td>3,197</td></tr><tr><td>TOTAL COMMERCIAL LENDING</td><td>99,516</td><td>39,956</td><td>26,824</td><td>25,207</td><td>22,615</td></tr><tr><td>Consumer</td><td>52,489</td><td>18,393</td><td>16,569</td><td>16,246</td><td>15,604</td></tr><tr><td>Residential real estate</td><td>21,583</td><td>9,557</td><td>6,337</td><td>7,307</td><td>4,772</td></tr><tr><td>TOTAL CONSUMER LENDING</td><td>74,072</td><td>27,950</td><td>22,906</td><td>23,553</td><td>20,376</td></tr><tr><td>Other</td><td>1,901</td><td>413</td><td>375</td><td>341</td><td>504</td></tr><tr><td>Total loans</td><td>$175,489</td><td>$68,319</td><td>$50,105</td><td>$49,101</td><td>$43,495</td></tr></table>
<table><tr><td>December 31 - dollars in millions</td><td>2008 (a)</td><td>2007</td><td>2006</td><td>2005</td><td>2004</td></tr><tr><td>Nonaccrual loans</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial</td><td>$576</td><td>$193</td><td>$109</td><td>$134</td><td>$89</td></tr><tr><td>Commercial real estate</td><td>766</td><td>212</td><td>12</td><td>14</td><td>14</td></tr><tr><td>Equipment lease financing</td><td>97</td><td>3</td><td>1</td><td>17</td><td>5</td></tr><tr><td>Consumer</td><td>70</td><td>17</td><td>13</td><td>10</td><td>11</td></tr><tr><td>Residential real estate</td><td>153</td><td>27</td><td>25</td><td>24</td><td>28</td></tr><tr><td>Total nonaccrual loans</td><td>$1,662</td><td>$452</td><td>$160</td><td>$199</td><td>$147</td></tr><tr><td>Troubled debt restructured loan</td><td></td><td>2</td><td></td><td></td><td>3</td></tr><tr><td>Total nonperforming loans</td><td>1,662</td><td>454</td><td>160</td><td>199</td><td>150</td></tr><tr><td>Foreclosed and other assets</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Lease</td><td></td><td>11</td><td>12</td><td>13</td><td>14</td></tr><tr><td>Residential real estate</td><td>458</td><td>10</td><td>10</td><td>9</td><td>10</td></tr><tr><td>Other</td><td>45</td><td>20</td><td>2</td><td>3</td><td>5</td></tr><tr><td>Total foreclosed and other assets</td><td>503</td><td>41</td><td>24</td><td>25</td><td>29</td></tr><tr><td>Total nonperforming assets (b) (c)</td><td>$2,165</td><td>$495</td><td>$184</td><td>$224</td><td>$179</td></tr><tr><td>Nonperforming loans to total loans</td><td>.95%</td><td>.66%</td><td>.32%</td><td>.41%</td><td>.34%</td></tr><tr><td>Nonperforming assets to total loans and foreclosed assets</td><td>1.23</td><td>.72</td><td>.37</td><td>.46</td><td>.41</td></tr><tr><td>Nonperforming assets to total assets</td><td>.74</td><td>.36</td><td>.18</td><td>.24</td><td>.22</td></tr><tr><td>Interest on nonperforming loans</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Computed on original terms</td><td>$115</td><td>$51</td><td>$15</td><td>$16</td><td>$11</td></tr><tr><td>Recognized prior to nonperforming status</td><td>60</td><td>32</td><td>4</td><td>5</td><td>2</td></tr><tr><td>Past due loans</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Accruing loans past due 90 days or more</td><td>$3,259</td><td>$136</td><td>$55</td><td>$53</td><td>$51</td></tr><tr><td>As a percentage of total loans</td><td>1.86%</td><td>.20%</td><td>.11%</td><td>.11%</td><td>.12%</td></tr><tr><td>Past due loans held for sale</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Accruing loans held for sale past due 90 days or more</td><td>$40</td><td>$8</td><td>$9</td><td>$47</td><td>$9</td></tr><tr><td>As a percentage of total loans held for sale</td><td>.92%</td><td>.20%</td><td>.38%</td><td>1.92%</td><td>.54%</td></tr></table>

Question: In the year with largest amount of Commercial real estate, what's the increasing rate of Consumer? (in %)
Answer: 1.85375