The table below presents certain state concentrations for the direct/indirect consumer loan portfolio.
## Table 0 ##
Other Consumer At December 31, 2010, approximately 69 percent of the $2.8 billion other consumer portfolio was associated with portfolios from certain consumer finance businesses that we previously exited and is included in All Other.
The remainder consisted of the non-U.
S.  consumer loan portfolio, of which the vast majority we previously exited and is largely in Global Card Services and deposit overdrafts which are recorded in Deposits.
Nonperforming Consumer Loans and Foreclosed Properties Activity Table 33 presents nonper forming consumer loans and foreclosed properties activity during 2010 and 2009.
Nonper forming LHFS are excluded from nonper forming loans as they are recorded at either fair value or the lower of cost or fair value.
Nonper forming loans do not include past due consumer credit card loans and in general, past due consumer loans not secured by real estate as these loans are generally charged off no later than the end of the month in which the loan becomes 180 days past due.
Real estate-secured past due consumer loans insured by the FHA are not reported as nonper forming as principal repayment is insured by the FHA.
Additionally, nonper forming loans do not include the Countrywide PCI loan portfolio.
For further information regarding nonper forming loans, see Note 1 – Summary of Significant Accounting Principles to the Consolidated Financial Statements.
Nonper forming loans remained relatively flat at $20.9 billion at December 31, 2010 compared to $20.8 billion at December 31, 2009 as delinquency inflows to nonaccrual loans slowed driven by favorable portfolio trends due in part to the improving U. S.  economy.
These inflows were offset by charge-offs, nonperforming loans returning to per forming status, and paydowns and payoffs.
The outstanding balance of a real estate-secured loan that is in excess of the estimated property value, after reducing the property value for costs to sell, is charged off no later than the end of the month in which the account becomes 180 days past due unless repayment of the loan is insured by the FHA.
At December 31, 2010, $15.1 billion, or 69 percent, of the nonper forming consumer real estate loans and foreclosed properties had been written down to their fair values.
This was comprised of $13.9 billion of nonper forming loans 180 days or more past due and $1.2 billion of foreclosed properties.
Foreclosed properties decreased $179 million in 2010.
PCI loans are excluded from nonper forming loans as these loans were written down to fair value at the acquisition date.
However, once the underlying real estate is acquired by the Corporation upon foreclosure of the delinquent PCI loan, it is included in foreclosed properties.
Net changes to foreclosed properties related to PCI loans were an increase of $100 million in 2010.
Not included in foreclosed properties at December 31, 2010 was $1.4 billion of real estate that was acquired by the Corporation upon foreclosure of delinquent FHA insured loans.
We hold this real estate on our balance sheet until we convey these properties to the FHA.
We exclude these amounts from our nonper forming loans and foreclosed properties activity as we will be reimbursed once the property is conveyed to the FHA for principal and up to certain limits, costs incurred during the foreclosure process and interest incurred during the holding period.
Restructured Loans Nonper forming loans also include certain loans that have been modified in TDRs where economic concessions have been granted to borrowers experiencing financial difficulties.
These concessions typically result from the Corporation’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions.
Certain TDRs are classified as nonper forming at the time of restructuring and may only be returned to per forming status after considering the borrower’s sustained repayment per formance under revised payment terms for a reasonable period, generally six months.
Nonper forming TDRs, excluding those modified loans in the Countrywide PCI loan portfolio, are included in Table 33.
Residential mortgage TDRs totaled $11.8 billion at December 31, 2010, an increase of $4.6 billion compared to December 31, 2009.
Of these loans, $3.3 billion were nonper forming representing an increase of $130 million in 2010, and $8.5 billion were per forming representing an increase of $4.5 billion in 2010 driven by TDRs returning to per forming status and new additions.
These per forming TDRs are excluded from nonper forming loans in Table 33.
Residential mortgage TDRs deemed collateral dependent totaled $3.2 billion at December 31, 2010 and included $921 million of loans classified as nonper forming and $2.3 billion classified as per forming.
At December 31, 2010, per forming residential mortgage TDRs included $2.5 billion that were FHA insured.
Home equity TDRs totaled $1.7 billion at December 31, 2010, a decrease of $673 million compared to December 31, 2009.
Of these loans, $541 million were nonper forming representing a decrease of $1.2 billion in 2010 driven primarily by nonper forming TDRs returning to per forming status and charge-offs taken to comply with regulatory guidance clarifying the timing of charge-offs on collateral dependent modified loans.
Home equity TDRs that were per forming in accordance with their modified terms were $1.2 billion representing an increase of $514 million in 2010.
These per forming TDRs are excluded from nonper forming loans in Table 33.
Home equity TDRs deemed collateral dependent totaled $796 million at December 31, 2010 and included $245 million of loans classified as nonper forming and $551 million classified as per forming.
Discontinued real estate TDRs totaled $395 million at December 31, 2010, an increase of $13 million in 2010.
Of these loans, $206 million were nonper forming while the remaining $189 million were classified as
MD&A the acquisition date is on or after the beginning of the first annual reporting period beginning on or after December 15, 2008.
We will evaluate how the new requirements of Statement No.141(R) would impact any business combinations completed in 2009 or thereafter.
In December 2007, the FASB also issued Statement of Financial Accounting Standards No.160, Noncontrolling Interests in Consolidated Financial Statements—an amendment of Accounting Research Bulletin No.51.
A noncontrolling interest, sometimes called a minority interest, is the portion of equity in a subsidiary not attributable, directly or indirectly, to a parent.
Statement No.160 establishes accounting and reporting standards for the noncontrolling interest in a subsidiary and for the deconsolidation of a subsidiary.
Under Statement No.160, noncontrolling interests in a subsidiary must be reported as a component of consolidated equity separate from the parent’s equity.
Additionally, the amounts of consolidated net income attributable to both the parent and the noncontrolling interest must be reported separately on the face of the income statement.
Statement No.160 is effective for fiscal years beginning on or after December 15, 2008 and earlier adoption is prohibited.
We do not expect the adoption of Statement No.160 to have a material impact on our financial statements and related disclosures.2008 Estimates The forward-looking statements provided in this discussion are based on our examination of historical operating trends, the information that was used to prepare the December 31, 2007 reserve reports and other data in our possession or available from third parties.
These forward-looking statements were prepared assuming demand, curtailment, producibility and general market conditions for our oil, natural gas and NGLs during 2008 will be substantially similar to those of 2007, unless otherwise noted.
We make reference to the “Disclosure Regarding Forward-Looking Statements” at the beginning of this report.
Amounts related to Canadian operations have been converted to U. S.  dollars using a projected average 2008 exchange rate of $0.98 U. S.  dollar to $1.00 Canadian dollar.
In January 2007, we announced our intent to divest our West African oil and gas assets and terminate our operations in West Africa, including Equatorial Guinea, Cote d’Ivoire, Gabon and other countries in the region.
In November 2007, we announced an agreement to sell our operations in Gabon for $205.5 million.
We are finalizing purchase and sales agreements and obtaining the necessary partner and government approvals for the remaining properties in this divestiture package.
We are optimistic we can complete these sales during the first half of 2008.
All West African related revenues, expenses and capital will be reported as discontinued operations in our 2008 financial statements.
Accordingly, all forward-looking estimates in the following discussion exclude amounts related to our operations in West Africa, unless otherwise noted.
Though we have completed several major property acquisitions and dispositions in recent years, these transactions are opportunity driven.
Thus, the following forward-looking estimates do not include any financial and operating effects of potential property acquisitions or divestitures that may occur during 2008, except for West Africa as previously discussed.
Oil, Gas and NGL Production Set forth below are our estimates of oil, gas and NGL production for 2008.
We estimate that our combined 2008 oil, gas and NGL production will total approximately 240 to 247 MMBoe.
Of this total, approximately 92% is estimated to be produced from reserves classified as “proved” at December 31, 2007.
The following estimates for oil, gas and NGL production are calculated at the midpoint of the estimated range for total production.
## Table 1 ##
In connection with its intention to continue to qualify as a REIT for federal income tax purposes, the Company expects to continue paying regular dividends to its stockholders.
These dividends will be paid from operating cash flows, The Company’s Board of Directors will continue to evaluate the Company’s dividend policy on a quarterly basis as they monitor sources of capital and evaluate the impact of the economy and capital markets availability on operating fundamentals.
Since cash used to pay dividends reduces amounts available for capital investment, the Company generally intends to maintain a conservative dividend payout ratio, reserving such amounts as it considers necessary for the expansion and renovation of shopping centers in its portfolio, debt reduction, the acquisition of interests in new properties and other investments as suitable opportunities arise and such other factors as the Board of Directors considers appropriate.
Cash dividends paid increased to $469.0 million in 2008, compared to $384.5 million in 2007 and $332.6 million in 2006.
Although the Company receives substantially all of its rental payments on a monthly basis, it generally intends to continue paying dividends quarterly.
Amounts accumulated in advance of each quarterly distribution will be invested by the Company in short-term money market or other suitable instruments.
The Company’s Board of Directors declared a quarterly dividend of $0.44 per common share payable to shareholders of record on January 2, 2009, which was paid on January 15, 2009.
In addition, the Board of Directors declared a regular quarterly cash dividend of $0.44 per common share payable April 15, 2009 to shareholders of record on April 6, 2009.
CONTRACTUAL OBLIGATIONS AND OTHER COMMITMENTS The Company has debt obligations relating to its revolving credit facilities, MTNs, senior notes, mortgages and construction loans with maturities ranging from less than one year to 27 years.
As of December 31, 2008, the Company’s total debt had a weighted average term to maturity of approximately 4.5 years.
In addition, the Company has noncancelable operating leases pertaining to its shopping center portfolio.
As of December 31, 2008, the Company has 48 shopping center properties that are subject to long-term ground leases where a third party owns and has leased the underlying land to the Company to construct and/or operate a shopping center.
In addition, the Company has 16 noncancelable operating leases pertaining to its retail store lease portfolio.
The following table summarizes the Company’s debt maturities, excluding extension options, and obligations under non-cancelable operating leases as of December 31, 2008 (in millions):
## Table 2 ##
(1) maturities utilized do not reflect extension options, which range from six months to two years.
(2) for loans which have interest at floating rates, future interest expense was calculated using the rate as of December 31, 2008.
The Company has $50.0 million of medium term notes, $130.0 million of senior unsecured notes, $6.1 of unsecured notes payable, $173.6 million of mortgage debt and $194.0 million of construction loans scheduled to mature in 2009.
The Company anticipates satisfying these maturities with a combination of operating cash flows, its unsecured revolving credit facilities, refinancing of debt, new debt issuances, when available, and the sale of completed ground-up development projects.
The Company has issued letters of credit in connection with completion and repayment guarantees for construction loans encumbering certain of the Company’s ground-up development projects and guaranty of payment related to the Company’s insurance program.
These letters of credit aggregate approximately $34.3 million.
During August 2008, KimPru entered into a new $650.0 million credit facility which matures in August 2009, with the option to extend for one year, and bears interest at a rate of LIBOR plus 1.25%.
KimPru is obligated to pay down a minimum of $165.0 million, among other requirements, in order to exercise the one-year extension option.
The required pay down is expected to be sourced from property sales, other debt financings and/or capital contributions by the partners.
This facility is guaranteed by the Company with a guarantee from PREI to the Company for 85% of any guaranty payment the Company is obligated to make.
Proceeds from this new credit facility were used to repay the
In the Bond & Financial Products group, net written premiums in 2008 increased 1% over 2007 (adjusted for the sale of Afianzadora Insurgentes), as the impact of the higher level of business retained in 2008 was largely offset by a decline in premium volume due to competitive market conditions and the economic downturn.
In the Bond & Financial Products group (excluding the surety line of business, for which the following are not relevant measures), business retention rates in 2008 remained strong and increased slightly over 2007.
Renewal price changes in 2008 were slightly negative, compared to an increase in the prior year, and new business levels were consistent with 2007.
Net written premiums in the International group in 2008 were flat with 2007.
For the International group in 2008, business retention rates declined from 2007 due to the intentional non-renewal of certain property business in Canada and more competitive market conditions at Lloyd’s.
Renewal price changes in 2008 were flat, compared to a decrease in 2007, and new business volume increased.
Gross and net written premiums in 2007 increased 1% and 2%, respectively, over 2006.
Adjusting for the sale of Afianzadora Insurgentes, gross and net written premiums increased 3% and 4%, respectively, over 2006.
Net written premiums in the Bond & Financial Products group in 2007 increased 1% over 2006 (adjusted for the sale of Afianzadora Insurgentes), primarily due to increased construction surety business volume resulting from strong economic conditions in the public works sector of the construction industry.
For Bond and Financial Products (excluding the surety line of business), business retention rates in 2007 increased over 2006.
Renewal price changes in 2007 were positive but down from 2006, and new business levels declined due in part to competitive market conditions.
In the International group, net written premiums in 2007 increased $99 million, or 9%, over 2006, primarily reflecting the favorable impact of foreign currency exchange rates and strong business volume at Lloyd’s and in Canada.
Net written premium volume in the International group in 2007 also benefited from adjustments to prior year premium estimates in the Lloyd’s operation.
In the International group in 2007, business retention rates remained strong, new business volume increased over 2006, and renewal price changes declined from 2006.
Personal Insurance Results of the Company’s Personal Insurance segment were as follows:

<table><tr><td></td><td colspan="4"> December 31</td><td colspan="2" rowspan="2" Year Ended December 31  Net Charge-offs></td></tr><tr><td></td><td colspan="2"> Outstandings</td><td colspan="2"> Accruing Past Due 90 Days or More</td></tr><tr><td>(Dollars in millions)</td><td> 2010</td><td>2009</td><td> 2010</td><td>2009</td><td> 2010</td><td>2009</td></tr><tr><td>California</td><td>$10,558</td><td>$11,664</td><td>$132</td><td>$228</td><td>$591</td><td>$1,055</td></tr><tr><td>Texas</td><td>7,885</td><td>8,743</td><td>78</td><td>105</td><td>262</td><td>382</td></tr><tr><td>Florida</td><td>6,725</td><td>7,559</td><td>80</td><td>130</td><td>343</td><td>597</td></tr><tr><td>New York</td><td>4,770</td><td>5,111</td><td>56</td><td>73</td><td>183</td><td>272</td></tr><tr><td>Georgia</td><td>2,814</td><td>3,165</td><td>44</td><td>52</td><td>126</td><td>205</td></tr><tr><td>OtherU.S./Non-U.S.</td><td>57,556</td><td>60,994</td><td>668</td><td>900</td><td>1,831</td><td>2,952</td></tr><tr><td> Total direct/indirect loans</td><td>$90,308</td><td>$97,236</td><td>$1,058</td><td>$1,488</td><td>$3,336</td><td>$5,463</td></tr></table>
<table><tr><td></td><td>Oil   (MMBbls)</td><td>Gas   (Bcf)</td><td>NGLs   (MMBbls)</td><td>Total   (MMBoe)</td></tr><tr><td>U.S. Onshore</td><td>12</td><td>626</td><td>23</td><td>140</td></tr><tr><td>U.S. Offshore</td><td>8</td><td>68</td><td>1</td><td>20</td></tr><tr><td>Canada</td><td>23</td><td>198</td><td>4</td><td>60</td></tr><tr><td>International</td><td>23</td><td>2</td><td>—</td><td>23</td></tr><tr><td>Total</td><td>66</td><td>894</td><td>28</td><td>243</td></tr></table>
<table><tr><td></td><td>2009</td><td>2010</td><td>2011</td><td>2012</td><td>2013</td><td>Thereafter</td><td>Total</td></tr><tr><td>Long-Term Debt-Principal -1</td><td>$566.7</td><td>$346.5</td><td>$1,112.8</td><td>$293.8</td><td>$599.7</td><td>$ 1,619.6</td><td>$4,539.1</td></tr><tr><td>Long-Term Debt- Interest-2</td><td>$200.0</td><td>$183.4</td><td>$157.5</td><td>$141.2</td><td>$107.2</td><td>$134.5</td><td>$923.8</td></tr><tr><td>Operating Leases</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Ground Leases</td><td>$ 10.9</td><td>$ 8.9</td><td>$ 6.7</td><td>$ 6.0</td><td>$ 5.3</td><td>$ 108.7</td><td>$ 146.5</td></tr><tr><td>Retail Store Leases</td><td>$ 3.7</td><td>$ 3.7</td><td>$ 3.1</td><td>$ 2.1</td><td>$ 1.3</td><td>$ 0.5</td><td>$ 14.4</td></tr></table>

Question: What's the average of the Texas for Outstandings in the years where Long-Term Debt- Interest-2 is greater than 180? (in million)
Answer: 8314.0