Advice & Wealth Management Our Advice & Wealth Management segment provides financial planning and advice, as well as full service brokerage and banking services, primarily to retail clients, through our financial advisors.
Our affiliated advisors utilize a diversified selection of both affiliated and non-affiliated products to help clients meet their financial needs.
The following table presents the results of operations of our Advice & Wealth Management segment:
## Table 0 ##
Our Advice & Wealth Management segment pretax loss was $149 million in 2008 compared to pretax income of $285 million in 2007.
Net revenues Net revenues were $3.1 billion in 2008 compared to $3.8 billion in 2007, a decrease of $699 million, or 18%, primarily driven by decreases in net investment income from realized investment losses and lower distribution fees.
Management and financial advice fees decreased $11 million, or 1%, to $1.3 billion in 2008.
The decrease was primarily due to a $21.1 billion decline in total wrap account assets as a result of the deterioration in the equity markets, as well as lower net inflows compared to the prior year, partially offset by a $2.0 billion increase in wrap account assets related to our acquisition of H&R Block Financial Advisors, Inc.  Net inflows in wrap accounts decreased to $3.7 billion in 2008 from net inflows of $11.7 billion in 2007.
Distribution fees decreased $306 million, or 14%, from $2.2 billion in 2007 to $1.9 billion in 2008 primarily due to market depreciation and decreased sales volume due to a shift in client behavior away from traditional investment activity.
Net investment income decreased $438 million from $395 million in 2007 to a loss of $43 million in 2008, primarily due to net realized investment losses of $333 million on Available-for-Sale securities in 2008, primarily from other-than-temporary impairments.
Investment income from fixed maturity securities and other investments decreased $99 million primarily due to lower yields on our investment portfolio as we increased our liquidity position.
Banking and deposit interest expense decreased $52 million, or 23%, to $178 million in 2008 compared to $230 million in 2007.
This decrease is due to lower crediting rates accrued on certificates.
Expenses Total expenses decreased $265 million, or 8%, from $3.5 billion in 2007 to $3.3 billion in 2008 primarily due to a $228 million decrease in distribution expenses resulting from the impact of lower asset levels and cash sales on advisor compensation as reflected by a decrease
Actual rates of return earned on U. S.  plan assets for each of the last ten years were as follows: Year
## Table 1 ##
As discussed below, GAAP provides that differences between expected and actual returns are recognized over the average future service of employees.
At December 31, 2004, the Company lowered its assumed discount rate for U. S.  plans from 6.25% to 5.75% and maintained its assumed rate of compensation increase at 3.56%.
Compensation is assumed to increase on a scale with different rates for different ages.
The 3.56% rate disclosed at December 31, 2004 is the single rate which, if used at each age, would produce the same present value of benefit obligations.
The reduction in the discount rate had the effect of increasing the present value of benefit obligations and, accordingly, will have the effect of increasing pension expense for 2005.
In addition, the Company revised, based upon a review of experience, its assumption for lump sum utilization.
This revision had the effect of increasing the present value of benefit obligations, and accordingly, will have the effect of increasing pension expense for 2005.
Following many years of strong performance, the global equity market fell sharply in 2000 through 2002 (e. g. , the S&P 500 declined by a cumulative 37.6%).
This was reversed in 2003-2004 (e. g. , the S&P 500 rose by a cumulative 42.7%).
The Company reduced the expected rate of return on U. S.  plan assets from 9% in 2004 to 8.75% for 2005.
This revision will have the effect of increasing pension expense for 2005.
The Company expects that the net pension expense for its defined benefit pension plans included in earnings before minority interest and income taxes will be approximately $75 million higher in 2005 than the $276 million in 2004, reflecting, among other things, the decrease in the assumed discount rate.
The Company has used the same assumed discount rates and expected long-term rates of return on plan assets in calculating its cost of pension benefits and its cost of other postretirement benefits for U. S.  plans except in the case of the discount rates at December 31, 2004 and 2003.
Rates of 5.75% and 6.25% were used for pension benefits versus 5.50% and 6.00%, respectively, for other postretirement benefits to reflect the shorter duration of the other postretirement liabilities.
U. S.  health care costs for the retiree population are assumed to increase 9.0% in 2005 and then trend down to an expected increase of 4.5% per year by 2012.
If actual costs are higher than those assumed, this will likely put significant upward pressure on the Company’s expense for retiree health care.
On December 8, 2003, President Bush signed into law the Medicare Prescription Drug, Improvement and Modernization Act of 2003.
The effects of the Medicare Act are reflected in 2004 net periodic postretirement benefit cost (a reduction of $8 million) and accumulated postretirement benefit obligation at December 31, 2004 (a reduction of $58 million).
Delayed Recognition of Actuarial Gains and Losses At December 31, 2004 and 2003, unrecognized net actuarial losses for the Company’s defined benefit plans were $2,017 million and $1,676 million, respectively, based on the fair market value of plan assets.
These unrecognized net actuarial losses reflect in large part the steady reduction of the weightedaverage discount rate over the years.
SFAS No.87 provides for delayed recognition of actuarial gains and losses, including amounts arising from changes in the estimated plan benefit obliga tions due to changes in the assumed discount rate, differences between the actual and expected returns on plan assets, and other assumption changes.
SFAS No.87 requires that unrecognized net actuarial gain or loss, determined based on the market-related value of plan assets (which differs from fair market value and is a calculated value that recognizes changes in fair value in a systematic and rational manner over not more than five years), be amortized in pension income or expense for the year to the extent that such unrecognized net actuarial loss or gain exceeds 10% of the greater of the projected benefit obligation or the market-related value of plan assets at the beginning of the year.
These net gains and losses are recognized as pension income or expense prospectively over a period that approximates the average remaining service period of active employees expected to receive benefits under the plans (approximately 10 years) to the extent that they are not offset by losses and gains in subsequent years.
At December 31, 2004, the unrecognized net actuarial loss, determined based on the market-related value of plan assets, was $2,278 million.
This amount exceeded 10% of the greater of the projected benefit obligation or the market related value of plan assets by $1,730 million.
Unless offset by future unrecognized gains from higher discount rates or higher than expected returns on plan assets, amortization of this unrecognized loss is expected to increase pension expense for each of the following ten years by approximately $173 million per year, which amount is reflected in the higher expense expected in 2005.
At December 31, 2003, the unrecognized net actuarial loss, determined based on the market-related value of plan assets, was $1,717 million.
This amount exceeded 10% of the greater of the projected benefit obligation or the market related value of plan assets by $1,241 million.
In the event the fair market value of pension plan assets of a particular plan is less than the accumulated benefit obligation for such plan at year-end, GAAP may require an additional minimum liability, and in such circumstances, a reduction in stockholders’ equity or an establishment of an intangible asset.
At December 31, 2004, the fair market value of the Company’s defined benefit pension plan assets was $4,602 million and the related accumulated benefit obligation was $4,828 million.
The Company recognized an additional minimum liability of $146 million (cumulatively $349 million) at December 31, 2004, which was offset by a $153 million charge in other comprehensive income included in stockholders’ equity and a $7 million reduction in the intangible asset.
At December 31, 2003, the fair market value of the Company’s defined benefit pension plan assets was $4,085 million and the related accumulated benefit obligation was $4,154 million.
The Company recognized an additional minimum liability of $53 million (cumulatively $203 million) at December 31, 2003, which was offset by a $53 million charge in other comprehensive income included in stockholders’ equity.
Plan Funding The Company’s funding policy for defined benefit plans is to contribute amounts to provide for current service and to fund past service liability.
The Company contributed $367 million and $332 million to the defined benefit plans in 2004 and 2003, respectively.
For discussions on retirement benefits, see Note 20, “Pension and Other Postretirement Benefit Plans.
” Acquired In-Process Research and Development The fair value of in-process research and development acquired in a business combination is determined by independent appraisal based on the present value of each research project’s projected cash flows.
An income approach is utilized that is consistent with guidance in the practice aid issued by the American Institute of Certified Public Accountants entitled, “Assets Acquired in a Business Combination to Be Used in Research and Development Activities: A Focus on Software, Electronic Devices and Pharmaceutical Industries.
” Future
EWLETT-PACKARD COMPANY AND SUBSIDIARIES Notes to Consolidated Financial Statements (Continued) Note 16: Retirement and Post-Retirement Benefit Plans (Continued) benefit obligations for the U. S.  defined benefit plans combined with the DPSP is as follows for the following fiscal years ended October 31:
## Table 2 ##
Post-Retirement Benefit Plans Through fiscal 2005, substantially all of HP’s U. S.  employees at December 31, 2002 could become eligible for partially subsidized retiree medical benefits and retiree life insurance benefits under the Pre-2003 HP Retiree Medical Program (the ‘‘Pre-2003 Program’’) and certain other retiree medical programs.
Plan participants in the Pre-2003 Program make contributions based on their choice of medical option and length of service.
U. S.  employees hired or rehired on or after January 1, 2003 may become eligible to participate in a post-retirement medical plan, the HP Retiree Medical Program, but must bear the full cost of their participation.
Effective January 1, 2006, employees whose combination of age and years of service was less than 62 no longer were eligible for the subsidized Pre-2003 Program, but instead were eligible for the HP Retiree Medical Program.
Employees no longer eligible for the Pre-2003 Program, as well as employees hired on or after January 1, 2003, are eligible for certain credits under the HP Retirement Medical Savings Account Plan (‘‘RMSA Plan’’) upon attaining age 45.
Upon retirement, former employees may use credits under the RMSA Plan for the reimbursement of certain eligible medical expenses, including premiums required for coverage under the HP Retiree Medical Program.
In February 2007, HP further limited future eligibility for the Pre-2003 HP Retiree Medical Program to those employees who were within five years of satisfying the program’s retirement criteria on June 30, 2007.
Employees not meeting the modified program criteria may become eligible for participation in the HP Retiree Medical Program.
In November 2008, HP announced that it was changing the limits on future cost-sharing for the Pre-2003 Program whereby all future cost increases will be paid by participating retirees starting in 2011.
In June 2008, HP modified the RMSA Plan to provide that generally only those employees who were employed with HP as of July 31, 2008 would be eligible to receive employer credits.
In September 2008, HP further modified the RMSA Plan to provide that such employees would receive employer credits only in the form of matching contributions.
HP currently collects a retiree drug subsidy from the U. S.  federal government relating to the retiree prescription drug benefits that it provides.
Collecting the retiree drug subsidy is one of several alternatives under Medicare Part D that employers have in financing these benefits.
In March 2010, HP decided to contract with a prescription drug plan, leveraging the employer group waiver plan process, to provide group benefits under Medicare Part D as an alternative to collecting the retiree drug subsidy.
This change in retiree prescription drug financing strategy will take effect in 2013, and, due to the health care reform legislation enacted in March 2010, is expected to give HP access to greater U. S.  federal subsidies over time to help pay for retiree benefits.
Aside from this impact, the health care
The results of operations for the Automotive OEM segment for 2018, 2017 and 2016 were as follows: 2018 compared to 2017
## Table 3 ##
?
Operating revenue increased due to the favorable effect of foreign currency translation.  ?
Organic revenue was flat compared to worldwide auto builds which declined 1%.
Product line simplification activities reduced organic revenue growth by 120 basis points.  ?
North American organic revenue increased 3.0% compared to North American auto builds which declined 1%.
Auto builds for the Detroit 3, where the Company has higher content, were flat.  ?
European organic revenue declined 2.7% compared to European auto builds which declined 1% due to customer mix.
Organic revenue was negatively impacted by the new emissions testing requirements in Europe which disrupted auto production in the second half of 2018.  ?
Asia Pacific organic revenue decreased 0.7%.
China organic revenue grew 2.6% versus Chinese auto builds which declined 4%, as auto production in China softened during the second half of 2018.  ?
Operating margin was 22.5% in 2018.
The decrease of 30 basis points was primarily due to unfavorable price/cost of 130 basis points, partially offset by benefits from the Company's enterprise initiatives.2017 compared to 2016

<table><tr><td> </td><td colspan="2"> Years Ended December 31,</td><td></td><td></td></tr><tr><td> </td><td>2008</td><td> 2007</td><td colspan="2">Change</td></tr><tr><td> </td><td colspan="4">(in millions, except percentages)</td></tr><tr><td> Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$1,339</td><td>$1,350</td><td>$-11</td><td>-1%</td></tr><tr><td>Distribution fees</td><td>1,912</td><td>2,218</td><td>-306</td><td>-14</td></tr><tr><td>Net investment income</td><td>-43</td><td>395</td><td>-438</td><td>NM</td></tr><tr><td>Other revenues</td><td>80</td><td>76</td><td>4</td><td>5</td></tr><tr><td>Total revenues</td><td>3,288</td><td>4,039</td><td>-751</td><td>-19</td></tr><tr><td>Banking and deposit interest expense</td><td>178</td><td>230</td><td>-52</td><td>-23</td></tr><tr><td>Total net revenues</td><td>3,110</td><td>3,809</td><td>-699</td><td>-18</td></tr><tr><td> Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>2,121</td><td>2,349</td><td>-228</td><td>-10</td></tr><tr><td>General and administrative expense</td><td>1,138</td><td>1,175</td><td>-37</td><td>-3</td></tr><tr><td>Total expenses</td><td>3,259</td><td>3,524</td><td>-265</td><td>-8</td></tr><tr><td>Pretax income (loss)</td><td>$-149</td><td>$285</td><td>$-434</td><td>NM</td></tr></table>
<table><tr><td> Year</td><td>Return</td><td> Year </td><td> Return </td></tr><tr><td>2004</td><td>12.6%</td><td>1999</td><td>18.2%</td></tr><tr><td>2003</td><td>25.0%</td><td>1998</td><td>13.3%</td></tr><tr><td>2002</td><td>-13.4%</td><td>1997</td><td>22.2%</td></tr><tr><td>2001</td><td>-6.1%</td><td>1996</td><td>17.0%</td></tr><tr><td>2000</td><td>3.5%</td><td>1995</td><td>23.0%</td></tr></table>
<table><tr><td> </td><td colspan="2"> 2010</td><td colspan="2"> 2009</td></tr><tr><td> </td><td> Plan Assets</td><td> Projected Benefit Obligation</td><td> Plan Assets</td><td> Projected Benefit Obligation</td></tr><tr><td> </td><td colspan="4"> In millions </td></tr><tr><td>U.S. defined benefit plans</td><td>$9,427</td><td>$10,902</td><td>$8,371</td><td>$10,034</td></tr><tr><td>DPSP</td><td>927</td><td>927</td><td>872</td><td>872</td></tr><tr><td>Total</td><td>$10,354</td><td>$11,829</td><td>$9,243</td><td>$10,906</td></tr></table>
<table><tr><td>Dollars in millions</td><td colspan="3">For the Years Ended December 31,</td><td colspan="5">Components of Increase (Decrease)</td></tr><tr><td></td><td>2018</td><td>2017</td><td>Inc (Dec)</td><td>Organic</td><td>Acquisition/Divestiture</td><td>Restructuring</td><td>Foreign Currency</td><td>Total</td></tr><tr><td>Operating revenue</td><td>$3,338</td><td>$3,271</td><td>2.0%</td><td>—%</td><td>—%</td><td>—%</td><td>2.0%</td><td>2.0%</td></tr><tr><td>Operating income</td><td>$751</td><td>$747</td><td>0.5%</td><td>-2.0%</td><td>—%</td><td>0.6%</td><td>1.9%</td><td>0.5%</td></tr><tr><td>Operating margin %</td><td>22.5%</td><td>22.8%</td><td>-30 bps</td><td>-40 bps</td><td>—</td><td>10 bps</td><td>—</td><td>-30 bps</td></tr></table>

Question: What is the sum of the Revenues in the years / sections where Net investment income is positive? (in million)
Answer: 4039