morgan stanley notes to consolidated financial statements 2014 ( continued ) lending commitments .
primary lending commitments are those that are originated by the company whereas secondary lending commitments are purchased from third parties in the market .
the commitments include lending commitments that are made to investment grade and non-investment grade companies in connection with corporate lending and other business activities .
commitments for secured lending transactions .
secured lending commitments are extended by the company to companies and are secured by real estate or other physical assets of the borrower .
loans made under these arrangements typically are at variable rates and generally provide for over-collateralization based upon the creditworthiness of the borrower .
forward starting reverse repurchase agreements .
the company has entered into forward starting securities purchased under agreements to resell ( agreements that have a trade date at or prior to december 31 , 2013 and settle subsequent to period-end ) that are primarily secured by collateral from u.s .
government agency securities and other sovereign government obligations .
commercial and residential mortgage-related commitments .
the company enters into forward purchase contracts involving residential mortgage loans , residential mortgage lending commitments to individuals and residential home equity lines of credit .
in addition , the company enters into commitments to originate commercial and residential mortgage loans .
underwriting commitments .
the company provides underwriting commitments in connection with its capital raising sources to a diverse group of corporate and other institutional clients .
other lending commitments .
other commitments generally include commercial lending commitments to small businesses and commitments related to securities-based lending activities in connection with the company 2019s wealth management business segment .
the company sponsors several non-consolidated investment funds for third-party investors where the company typically acts as general partner of , and investment advisor to , these funds and typically commits to invest a minority of the capital of such funds , with subscribing third-party investors contributing the majority .
the company 2019s employees , including its senior officers , as well as the company 2019s directors , may participate on the same terms and conditions as other investors in certain of these funds that the company forms primarily for client investment , except that the company may waive or lower applicable fees and charges for its employees .
the company has contractual capital commitments , guarantees , lending facilities and counterparty arrangements with respect to these investment funds .
premises and equipment .
the company has non-cancelable operating leases covering premises and equipment ( excluding commodities operating leases , shown separately ) .
at december 31 , 2013 , future minimum rental commitments under such leases ( net of subleases , principally on office rentals ) were as follows ( dollars in millions ) : year ended operating premises leases .

year ended
operating premises leases
2014
$ 672
2015
656
2016
621
2017
554
2018
481
thereafter
2712

.

Question: what is the percentage difference in future minimum rental commitments as of december 31 , 2013 between 2014 and 2015?
Answer: -2%

Question: what is the average operating lease liability for 2014-2016?
Answer: 649.67

Question: what is the percentage difference in future minimum rental commitments as of december 31 , 2013 between 2015 and 2016?
Answer: -5%