American International Group, Inc. , and Subsidiaries ?
aggregate globally all credit exposure data by counterparty, country and industry and report risk concentrations regularly to and review with the CRC and the Finance and Risk Management Committee of the Board of Directors; ?
administer regular portfolio credit reviews of all investment, derivative and credit-incurring business units and recommend any corrective actions where required; ?
develop methodologies for quantification and assessment of credit risks, including the establishment and maintenance of AIG’s internal risk rating process; and ?
approve appropriate credit reserves and methodologies at the business unit and enterprise levels.
The CRC also approves concentration limits on U. S.  and international business unit consumer loan portfolios, including the mortgage insurance activities of UGC.
In addition, the CRC is also responsible for establishing concentration limits on Asset Management Group’s exposures in U. S.  and international RMBS, CMBS and CDOs.
See Investments herein for a discussion of these exposures.
AIG monitors and controls its company-wide credit risk concentrations and attempts to avoid unwanted or excessive risk accumulations, whether funded or unfunded.
To minimize the level of credit risk in certain circumstances, AIG may require third-party guarantees, reinsurance or collateral, such as letters of credit and trust accounts.
These guarantees, reinsurance recoverable, letters of credit and trust accounts are also treated as credit exposure and are added to AIG’s risk concentration exposure data.
AIG defines its aggregate credit exposures to a counterparty as the sum of its fixed maturities, loans, finance leases, reinsurance recoverables, derivatives (mark-to-market), deposits, reverse repurchase agreements, collateral extended to counterparties and letters of credit (in the case of financial institutions) and the specified credit equivalent exposure to certain insurance products which embody credit risk.
The following table presents AIG’s largest credit exposures as a percentage of Total equity:
## Table 0 ##
(a) Reflects AIG’s internal risk ratings.
(b) Amounts shown include AIG Star, AIG Edison and Nan Shan which were held for sale at December 31, 2010.
(c) Six of the ten largest credit exposures are to financial institutions, three are to investment-grade rated sovereigns and one is to an AAA-rated corporate.
Based on support from the U. S.  Government, the exposure to government-sponsored entities (GSEs) and to mortgage-backed securities guaranteed by the GSEs is included in the U. S.  Government total, rather than in financial institutions.
None of the top ten is rated lower than BBB- or its equivalent.
(d) Exposure to the ten largest combined as a percentage of Total equity declined from 123.9 percent at September 30, 2010, primarily due to the deconsolidation of AIA and sale of ALICO.
AIG monitors its aggregate cross-border exposures by country and regional group of countries.
AIG includes in its cross-border exposures both aggregated cross-border credit exposures to unrelated third parties, its cross-border investments in its own international subsidiaries and operating aircraft leases.
Eight countries have cross-border exposures in excess of 10 percent of Total equity at December 31, 2010.
Based on AIG’s internal risk ratings, as of
American International Group, Inc. , and Subsidiaries NOTES TO CONSOLIDATED FINANCIAL STATEMENTS During 2010, AIG sold its investment advisory and third-party asset management business for $277 million cash at closing plus contingent consideration to be received over time.
Prior to the closing of this transaction this business was a component of the Asset Management operations included within Other operations.
This transaction met the criteria for held-for-sale accounting, and the assets and liabilities of the business were included as single line items in the asset and liability sections of the Consolidated Balance Sheet at December 31, 2009.
This transaction does not meet the criteria for discontinued operations accounting because of significant direct continuing cash flows between AIG and the business sold.
During 2009, AIG entered into an agreement to combine its consumer finance business in Poland, conducted through AIG Bank Polska S. A. , into the Polish consumer finance business of Santander Consumer Finance S. A.
(SCB).
The transaction closed on June 8, 2010.
In exchange, AIG received an equity interest in SCB.
Prior to the closing of the transaction, AIG Bank Polska S. A.  was a component of the Financial Services reporting segment.
This transaction met the criteria for held-for-sale accounting and, as a result, the assets and liabilities of this business were included as single line items in the asset and liability sections of the Consolidated Balance Sheet at December 31, 2009.
This transaction does not meet the criteria for discontinued operations accounting because of the equity method interest in SCB that AIG received in this transaction.
The following table summarizes assets and liabilities held for sale:
## Table 1 ##
* Represents nine aircraft that remain to be sold under agreements for sale by ILFC as of December 31, 2010.5.  Business Combination On March 31, 2010, AIG, through a Chartis International subsidiary, purchased additional voting shares in Fuji Fire & Marine Insurance Company Limited (Fuji), a publicly traded Japanese insurance company with property/ casualty insurance operations and a life insurance subsidiary.
The acquisition of the additional voting shares for $145 million increased Chartis International’s total voting ownership interest in Fuji from 41.7 percent to 54.8 percent, which resulted in Chartis International obtaining control of Fuji.
This acquisition was made to increase Chartis International’s share in the substantial Japanese insurance market, which is undergoing significant consolidation, and to achieve cost savings from synergies.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS ?
Policyholder contract deposits associated with investment-type contracts: Fair values for policyholder contract deposits associated with investment-type contracts not accounted for at fair value were estimated for disclosure purposes using discounted cash flow calculations based upon interest rates currently being offered for similar contracts with maturities consistent with those remaining for the contracts being valued.
Where no similar contracts are being offered, the discount rate is the appropriate tenor swap rates (if available) or current risk-free interest rates consistent with the currency in which the cash flows are denominated.  ?
Trust deposits and deposits due to banks and other depositors: The fair values of certificates of deposit that mature in more than one year are estimated for disclosure purposes using discounted cash flow calculations based upon interest rates currently offered for deposits with similar maturities.
For demand deposits and certificates of deposit that mature in less than one year, carrying values approximate fair value.  ?
Long-term debt: Fair values of these obligations were determined for disclosure purposes by reference to quoted market prices, where available and appropriate, or discounted cash flow calculations based upon AIG’s current market-observable implicit-credit-spread rates for similar types of borrowings with maturities consistent with those remaining for the debt being valued.
The following table presents the carrying value and estimated fair value of AIG’s financial instruments:
## Table 2 ##
* Excludes aircraft asset investments held by non-Financial Services subsidiaries.
## Table 3 ##
Long-Lived Assets In accordance with SFAS No.144, Accounting for the Impairment or Disposal of Long-Lived Assets, the Company reviews long-lived assets for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be fully recoverable.
The carrying amount of a long-lived asset is not recoverable if it exceeds the sum of the undiscounted cash flows expected to result from the use and eventual disposition of the asset.
That assessment is based on the carrying amount of the asset at the date it is tested for recoverability.
An impairment loss is measured as the amount by which the carrying amount of a long-lived asset exceeds its fair value.
SFAS No.142, Goodwill and Other Intangible Assets, requires that goodwill and intangible assets with indefinite useful lives should not be amortized but rather be tested for impairment at least annually or sooner whenever events or changes in circumstances indicate that they may be impaired.
The Company did not recognize any goodwill or intangible asset impairment charges in 2008, 2007, or 2006.
The Company established reporting units based on its current reporting structure.
For purposes of testing goodwill for impairment, goodwill has been allocated to these reporting units to the extent it relates to each reporting unit.
SFAS No.142 also requires that intangible assets with definite lives be amortized over their estimated useful lives and reviewed for impairment in accordance with SFAS No.144.
The Company is currently amortizing its acquired intangible assets with definite lives over periods ranging from 3 to 10 years.
Dividends On June 6, 2008 the Board of Directors declared a dividend of $0.75 per share to be paid on December 15, 2008 to shareholders of record on December 1, 2008.
The Company paid out a dividend in the amount of $150,251.
The dividend has been reported as a reduction of retained earnings.
On August 1, 2007 the Board of Directors declared a dividend of $0.75 per share to be paid on September 14, 2007 to shareholders of record on August 15, 2007.
The Company paid out a dividend in the amount of $162,531.
The dividend has been reported as a reduction of retained earnings.
On April 26, 2006 the Board of Directors declared a post-split dividend of $0.50 per share to be paid on December 15, 2006 to shareholders of record on December 1, 2006.
The Company paid out a dividend in the amount of $107,923.
The dividend has been reported as a reduction of retained earnings.
Approximately $186,383 and $159,210 of retained earnings are indefinitely restricted from distribution to stockholders pursuant to the laws of Taiwan at December 27, 2008 and December 29, 2007, respectively.
Intangible Assets At December 27, 2008 and December 29, 2007, the Company had patents, license agreements, customer related intangibles and other identifiable finite-lived intangible assets recorded at a cost of $152,104 and $159,503, respectively.
The Company’s excess purchase cost over fair value of net assets acquired (goodwill) was $127,429 at December 27, 2008 and $98,494 at December 29, 2007.
Identifiable, finite-lived intangible assets are amortized over their estimated useful lives on a straight-line basis over three to ten years.
Accumulated amortization was $48,579 and $59,967 at December 27, 2008 and December 29, 2007 respectively.
Amortization expense was $30,874, $26,942, and $21,147, for the years ended

<table><tr><td> At December 31, 2010  Category </td><td>Risk Rating<i><sup>(a)</sup></i> </td><td>Credit Exposure as a Percentage of Total Equity<i><sup>(b)</sup></i> </td><td></td></tr><tr><td><i>Investment Grade:</i></td><td></td><td></td><td></td></tr><tr><td>10 largest combined<i><sup>(c)</sup></i></td><td>A+</td><td>84.4</td><td>%<i><sup>(d)</sup></i></td></tr><tr><td>Single largest financial institution</td><td>AA-</td><td>4.8</td><td></td></tr><tr><td>Single largest corporate</td><td>AAA</td><td>2.9</td><td></td></tr><tr><td>Single largest sovereign</td><td>AAA</td><td>21.3</td><td></td></tr><tr><td><i>Non-Investment Grade:</i></td><td></td><td></td><td></td></tr><tr><td>Single largest financial institution</td><td>BB-</td><td>0.3</td><td></td></tr><tr><td>Single largest corporate</td><td>BB</td><td>0.6</td><td></td></tr><tr><td>Single largest sovereign</td><td>BB</td><td>0.1</td><td></td></tr></table>
<table><tr><td> December 31, <i>(in millions)</i> </td><td> 2010 </td><td> 2009 </td></tr><tr><td> Assets:</td><td></td><td></td></tr><tr><td>Fixed maturity securities</td><td>$77,905</td><td>$34,495</td></tr><tr><td>Deferred policy acquisition costs</td><td>7,095</td><td>3,322</td></tr><tr><td>Mortgage and other loans receivable, net</td><td>5,584</td><td>3,997</td></tr><tr><td>Equity securities</td><td>4,488</td><td>2,947</td></tr><tr><td>Other invested assets</td><td>4,167</td><td>4,256</td></tr><tr><td>Short-term investments</td><td>3,670</td><td>3,501</td></tr><tr><td>Separate account assets</td><td>3,745</td><td>3,467</td></tr><tr><td>Other assets</td><td>544</td><td>394</td></tr><tr><td>Assets of businesses held for sale</td><td>107,198</td><td>56,379</td></tr><tr><td>Flight equipment<i><sup>*</sup></i></td><td>255</td><td>-</td></tr><tr><td>Total assets held for sale</td><td>$107,453</td><td>$56,379</td></tr><tr><td> Liabilities:</td><td></td><td></td></tr><tr><td>Future policy benefits for life and accident and health insurance contracts</td><td>$61,767</td><td>$38,023</td></tr><tr><td>Policyholder contract deposits</td><td>26,847</td><td>3,133</td></tr><tr><td>Separate account liabilities</td><td>3,745</td><td>3,467</td></tr><tr><td>Other long-term debt</td><td>525</td><td>-</td></tr><tr><td>Other liabilities</td><td>4,428</td><td>3,976</td></tr><tr><td>Total liabilities held for sale</td><td>$97,312</td><td>$48,599</td></tr></table>
<table><tr><td> </td><td colspan="2"> December 31, 2010</td><td colspan="2"> December 31, 2009</td></tr><tr><td><i>(in millions)</i> </td><td>Carrying Value </td><td>Fair Value </td><td>Carrying Value </td><td>Fair Value </td></tr><tr><td>Assets:</td><td></td><td></td><td></td><td></td></tr><tr><td>Fixed maturities</td><td>$254,484</td><td>$254,484</td><td>$396,794</td><td>$396,794</td></tr><tr><td>Equity securities</td><td>11,233</td><td>11,233</td><td>17,840</td><td>17,840</td></tr><tr><td>Mortgage and other loans receivable</td><td>19,367</td><td>19,558</td><td>27,461</td><td>25,957</td></tr><tr><td>Finance receivables, net of allowance</td><td>870</td><td>802</td><td>20,327</td><td>18,974</td></tr><tr><td>Other invested assets<i><sup>*</sup></i></td><td>40,828</td><td>40,220</td><td>43,737</td><td>42,474</td></tr><tr><td>Securities purchased under agreements to resell</td><td>1,553</td><td>1,553</td><td>2,154</td><td>2,154</td></tr><tr><td>Short-term investments</td><td>42,185</td><td>42,185</td><td>47,263</td><td>47,263</td></tr><tr><td>Cash</td><td>1,558</td><td>1,558</td><td>4,400</td><td>4,400</td></tr><tr><td>Unrealized gain on swaps, options and forward transactions</td><td>5,917</td><td>5,917</td><td>9,130</td><td>9,130</td></tr><tr><td>Liabilities:</td><td></td><td></td><td></td><td></td></tr><tr><td>Policyholder contract deposits associated with investment-type contracts</td><td>102,585</td><td>112,710</td><td>168,846</td><td>175,612</td></tr><tr><td>Securities sold under agreements to repurchase</td><td>2,119</td><td>2,119</td><td>3,505</td><td>3,505</td></tr><tr><td>Securities and spot commodities sold but not yet purchased</td><td>485</td><td>485</td><td>1,030</td><td>1,030</td></tr><tr><td>Unrealized loss on swaps, options and forward transactions</td><td>5,735</td><td>5,735</td><td>5,403</td><td>5,403</td></tr><tr><td>Trust deposits and deposits due to banks and other depositors</td><td>892</td><td>892</td><td>1,641</td><td>1,641</td></tr><tr><td>Federal Reserve Bank of New York Commercial Paper Funding Facility</td><td>-</td><td>-</td><td>4,739</td><td>4,739</td></tr><tr><td>Federal Reserve Bank of New York credit facility</td><td>20,985</td><td>21,009</td><td>23,435</td><td>23,390</td></tr><tr><td>Other long-term debt</td><td>85,476</td><td>84,879</td><td>113,298</td><td>94,458</td></tr></table>
<table><tr><td>Buildings and improvements</td><td>39</td></tr><tr><td>Office furniture and equipment</td><td>5</td></tr><tr><td>Manufacturing and engineering equipment</td><td>5</td></tr><tr><td>Vehicles</td><td>5</td></tr></table>

Question: What's the average of the Finance receivables, net of allowance in the years where Cash is positive? (in million)
Answer: 20486.5