Task: Table-QA (source dataset: FinQA)

Task: 
You are given a table containing structured data and a natural language question referring to the table. Your goal is to analyze the table and provide an accurate and concise answer based on the given data.

Instructions:
1. Understand the Table: Examine the structure, headers, and data in the table. Identify relevant columns and rows related to the question.
2. Interpret the Question: Determine whether the question requires direct retrieval, aggregation, comparison, sorting, filtering, or inference.
3. Extract the Answer: Use logical reasoning and numerical operations (if necessary) to derive the correct response from the table.
4. Format the Answer: No explanation, return the answer in a structured JSON format: {"answer": <answer>}. If the question cannot be answered due to missing or ambiguous data, return a JSON response with {"answer": null}.

Table:
| in millions         | interest onlyproduct   | principal andinterest product   |
|:--------------------|:-----------------------|:--------------------------------|
| 2016                | $ 1121                 | $ 369                           |
| 2017                | 2107                   | 538                             |
| 2018                | 927                    | 734                             |
| 2019                | 648                    | 576                             |
| 2020 and thereafter | 3321                   | 5758                            |
| total ( a ) ( b )   | $ 8124                 | $ 7975                          |

Question:
for principle and interest products , what percent of the total was due in 2020 and thereafter?


pre_text: establishing our alll .
based upon outstanding balances at december 31 , 2015 , the following table presents the periods when home equity lines of credit draw periods are scheduled to end .
table 32 : home equity lines of credit 2013 draw period end in millions interest only product principal and interest product .
post_text: ( a ) includes all home equity lines of credit that mature in 2016 or later , including those with borrowers where we have terminated borrowing privileges .
( b ) includes approximately $ 40 million , $ 48 million , $ 34 million , $ 26 million and $ 534 million of home equity lines of credit with balloon payments , including those where we have terminated borrowing privileges , with draw periods scheduled to end in 2016 , 2017 , 2018 , 2019 and 2020 and thereafter , respectively .
based upon outstanding balances , and excluding purchased impaired loans , at december 31 , 2015 , for home equity lines of credit for which the borrower can no longer draw ( e.g. , draw period has ended or borrowing privileges have been terminated ) , approximately 3% ( 3 % ) were 30-89 days past due and approximately 5% ( 5 % ) were 90 days or more past due .
generally , when a borrower becomes 60 days past due , we terminate borrowing privileges and those privileges are not subsequently reinstated .
at that point , we continue our collection/recovery processes , which may include loan modification resulting in a loan that is classified as a tdr .
see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information .
auto loan portfolio the auto loan portfolio totaled $ 11.2 billion as of december 31 , 2015 , or 5% ( 5 % ) of our total loan portfolio .
of that total , $ 9.6 billion resides in the indirect auto portfolio , $ 1.1 billion in the direct auto portfolio , and $ .5 billion in acquired or securitized portfolios , which has been declining as no pools have been recently acquired .
the indirect auto portfolio is the largest segment and generates auto loan applications from franchised automobile dealers .
this business is strategically aligned with our core retail business .
we have elected not to pursue non-prime auto lending as evidenced by an average new loan origination fico score over the last twelve months of 758 for indirect auto loans and 773 for direct auto loans .
as of december 31 , 2015 , 0.3% ( 0.3 % ) of the portfolio was nonperforming and 0.5% ( 0.5 % ) of our auto loan portfolio was accruing past due .
we offer both new and used automobile financing to customers through our various channels .
the portfolio comprised 60% ( 60 % ) new vehicle loans and 40% ( 40 % ) used vehicle loans at december 31 , 2015 .
the auto loan portfolio 2019s performance is measured monthly , including updated collateral values that are obtained monthly and updated fico scores that are obtained at least quarterly .
for internal reporting and risk management , we analyze the portfolio by product channel and product type , and regularly evaluate default and delinquency experience .
as part of our overall risk analysis and monitoring , we segment the portfolio by loan structure , collateral attributes , and credit metrics which include fico score , loan-to-value and term .
oil and gas portfolio our portfolio in the oil and gas industry totaled $ 2.6 billion as of december 31 , 2015 , or 1% ( 1 % ) of our total loan portfolio and 2% ( 2 % ) of our total commercial lending portfolio .
this portfolio comprised approximately $ 1 billion in the midstream and downstream sectors , $ .9 billion of oil services companies and $ .7 billion related to energy and production companies .
of the oil services portfolio , approximately $ .2 billion is not asset-based or investment grade .
our alll at december 31 , 2015 reflects the incremental impact of the continued decline in oil and gas prices .
see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information .
loan modifications and troubled debt restructurings consumer loan modifications we modify loans under government and pnc-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure , where appropriate .
initially , a borrower is evaluated for a modification under a government program .
if a borrower does not qualify under a government program , the borrower is then evaluated under a pnc program .
our programs utilize both temporary and permanent modifications and typically reduce the interest rate , extend the term and/or defer principal .
loans that are either temporarily or permanently modified under programs involving a change to loan terms are generally classified as tdrs .
further , loans that have certain types of payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as tdrs .
additional detail on tdrs is discussed below as well as in note 3 asset quality in the notes to consolidated financial statements in item 8 of this report .
a temporary modification , with a term between 3 and 24 months , involves a change in original loan terms for a period the pnc financial services group , inc .
2013 form 10-k 75 .
label: 0.72201
qa: answer: 72.2%
ann_table_rows: 5
6
steps: op: divide2-1
arg1: 5758
arg2: 7975
res: 72.2%
program: divide(5758, 7975)
gold_inds: table_5: in millions the 2020 and thereafter of interest onlyproduct is 3321 ; the 2020 and thereafter of principal andinterest product is 5758 ;
table_6: in millions the total ( a ) ( b ) of interest onlyproduct is $ 8124 ; the total ( a ) ( b ) of principal andinterest product is $ 7975 ;
exe_ans: 0.72201
tfidftopn: text_20: oil and gas portfolio our portfolio in the oil and gas industry totaled $ 2.6 billion as of december 31 , 2015 , or 1% ( 1 % ) of our total loan portfolio and 2% ( 2 % ) of our total commercial lending portfolio .
program_re: divide(5758, 7975)
model_input: text_2
table 32 : home equity lines of credit 2013 draw period end in millions interest only product principal and interest product .
table_5
in millions the 2020 and thereafter of interest onlyproduct is 3321 ; the 2020 and thereafter of principal andinterest product is 5758 ;
table_6
in millions the total ( a ) ( b ) of interest onlyproduct is $ 8124 ; the total ( a ) ( b ) of principal andinterest product is $ 7975 ;