Protection The following table presents the results of operations of our Protection segment on an operating basis:
## Table 0 ##
Our Protection segment pretax operating income, which excludes net realized gains or losses, increased $12 million, or 3%, to $398 million for the year ended December 31, 2012, compared to $386 million for the prior year driven by higher auto and home earnings.
Net Revenues Net revenues, which exclude net realized gains or losses, increased $19 million, or 1%, to $2.1 billion for the year ended December 31, 2012 compared to the prior year due to growth in auto and home premiums, partially offset by the impact of unlocking.
Premiums increased $45 million, or 4%, to $1.1 billion for the year ended December 31, 2012 compared to the prior year due to growth in auto and home premiums driven by higher volumes.
Auto and home policy counts increased 9% year-over-year.
Other revenues decreased $25 million, or 6%, to $392 million for the year ended December 31, 2012 compared to $417 million for the prior year due to a $41 million unfavorable impact from unlocking in 2012 compared to a $20 million unfavorable impact in the prior year.
The primary driver of the unlocking impact to other revenues in both years was lower projected gains on reinsurance contracts resulting from favorable mortality experience.
Expenses Total expenses increased $7 million to $1.7 billion for the year ended December 31, 2012 compared to the prior year.
Benefits, claims, losses and settlement expenses increased $12 million, or 1%, to $1.1 billion for the year ended December 31, 2012 compared to the prior year due to higher expenses related to our auto and home business, partially offset by a $14 million benefit from unlocking and model changes in 2012 primarily due to favorable mortality experience compared to a $4 million benefit in the prior year, as well as a $9 million benefit from a life insurance reserve release in 2012.
Benefits, claims, losses and settlement expenses related to our auto and home business increased $28 million compared to the prior year primarily driven by increased claim and claim adjustment expense reflecting the increase in net unfavorable prior year reserve development, higher catastrophe losses and growth in exposures due to a 16% increase in gross new policies.
Auto and home catastrophe losses in 2012 were $51 million, including $20 million from Superstorm Sandy, compared to $45 million in 2011.
Amortization of DAC decreased $9 million, or 8%, to $110 million for the year ended December 31, 2012 compared to $119 million for the prior year due to a $14 million benefit from unlocking and model changes in 2012 primarily due to lowered mortality assumption compared to a $1 million benefit in the prior year.
Major actuarial assumptions used in determining the benefit obligations and net periodic pension cost for our defined benefit plans are presented in the following table:
## Table 1 ##
(a) Represents the weighted average rate for 2014 due to the remeasurement in the first quarter of 2014.
(b) Represents the expected rate of return for International Paper's qualified pension plan for 2014 and 2013.
The weighted average rate for the Temple-Inland Retirement Plan was 7.00%, 6.16% and 5.70% for 2014, 2013 and 2012, respectively.
The expected long-term rate of return on plan assets is based on projected rates of return for current and planned asset classes in the plan’s investment portfolio.
Projected rates of return are developed through an asset/liability study in which projected returns for each of the plan’s asset classes are determined after analyzing historical experience and future expectations of returns and volatility of the various asset classes.
Based on the target asset allocation for each asset class, the overall expected rate of return for the portfolio is developed considering the effects of active portfolio management and expenses paid from plan assets.
The discount rate assumption was determined from a universe of high quality corporate bonds.
A settlement portfolio is selected and matched to the present value of the plan’s projected benefit payments.
To calculate pension expense for 2015, the Company will use an expected long-term rate of return on plan assets of 7.75% for the Retirement Plan of International Paper, a discount rate of 4.10% and an assumed rate of compensation increase of 3.75%.
The Company estimates that it will record net pension expense of approximately $488 million for its U. S.  defined benefit plans in 2015, with the increase from expense of $387 million in 2014 reflecting a decrease in the discount rate to 4.10% in 2015 from 4.65% in 2014, updated mortality assumptions, and higher amortization of unrecognized losses.
For non-U.
S.  pension plans, assumptions reflect economic assumptions applicable to each country.
The following illustrates the effect on pension expense for 2015 of a 25 basis point decrease in the above assumptions:
## Table 2 ##
PLAN ASSETS International Paper’s Board of Directors has appointed a Fiduciary Review Committee that is responsible for fiduciary oversight of the U. S.  Pension Plan, approving investment policy and reviewing the management and control of plan assets.
Pension Plan assets are invested to maximize returns within prudent levels of risk.
The Pension Plan maintains a strategic asset allocation policy that designates target allocations by asset class.
Investments are diversified across classes and within each class to minimize the risk of large losses.
Derivatives, including swaps, forward and futures contracts, may be used as asset class substitutes or for hedging or other risk management purposes.
Periodic reviews are made of investment policy objectives and investment manager performance.
For non-U.
S.  plans, assets consist principally of common stock and fixed income securities.
Table of Contents SYNOPSYS, INC. IRS Examinations In the first quarter of fiscal 2014, the Company reached final settlement with the Examination Division of the IRS on the remaining fiscal 2012 issues and recognized approximately $10.0 million in unrecognized tax benefits.
In the fourth quarter of fiscal 2014, the Company reached final settlement with the IRS for its audit of fiscal 2013 and recognized approximately $5.5 million in unrecognized tax benefits.
In the third and fourth quarters of fiscal 2013, the Company reached settlement with the IRS for its audit of certain fiscal 2012 issues, which resulted in a decrease in unrecognized tax benefits of $6.0 million, decrease in deferred tax assets of $4.9 million and a $1.1 million net tax benefit.
In the third quarter of fiscal 2012, the Company reached a final settlement with the IRS for its audits of fiscal years 2010 and 2011.
As a result of the settlement, the Company’s unrecognized tax benefits decreased by $24.7 million and the impact to other balance sheet tax accounts was not material.
The net tax benefit resulting from the settlement was $15.9 million.
Non-U.
S.  Examinations Taiwan On February 11, 2014 and April 1, 2014, the Company reached settlements with the Taiwan tax authorities for fiscal years 2010 and 2009, respectively, with regard to certain transfer pricing issues.
As a result of the settlements and the application of the settlement to other open fiscal years, the Company’s unrecognized tax benefits decreased by $5.1 million.
The net tax benefit resulting from the settlements and the application to other open fiscal years was $3.9 million.
On June 21, 2012, the Company reached a settlement with the Taiwan tax authorities for fiscal 2008 with regard to certain transfer pricing issues.
As a result of the settlement and the application of the settlement to other open fiscal years, the Company’s unrecognized tax benefits decreased by $16.5 million.
The net tax benefit resulting from the settlement and the application to other open fiscal years was $14.7 million.
Certain of the Company’s income tax returns in Taiwan are under review for fiscal years 2011 through 2013.
The Company believes that it has adequately provided for potential tax adjustments, including interest and potential penalties.
Hungary On March 5, 2012, the Company reached a settlement with the Hungarian tax authorities with regard to its fiscal years 2006 through 2008.
The settlement resulted in a $5.1 million cash payment.
On May 10, 2012 the Company reached a settlement with the Hungarian tax authorities for fiscal years 2009 and 2010.
The settlement resulted in a $6.3 million benefit principally from interest in the second quarter, a $3.2 million reduction to prepaid taxes in the third quarter, and a cash payment of $10.9 million in the fourth quarter of fiscal 2012.
The settlements of fiscal years 2006 through 2010 reduced unrecognized tax benefits by $27.0 million and $24.2 million in the second and third quarter of fiscal 2012, respectively.
Note 12.
Other Income (Expense), Net The following table presents the components of other income (expense), net:

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2012</td><td>2011</td><td colspan="2">Change</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td>Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$55</td><td>$56</td><td>$-1</td><td>-2%</td></tr><tr><td>Distribution fees</td><td>91</td><td>95</td><td>-4</td><td>-4</td></tr><tr><td>Net investment income</td><td>430</td><td>426</td><td>4</td><td>1</td></tr><tr><td>Premiums</td><td>1,121</td><td>1,076</td><td>45</td><td>4</td></tr><tr><td>Other revenues</td><td>392</td><td>417</td><td>-25</td><td>-6</td></tr><tr><td>Total revenues</td><td>2,089</td><td>2,070</td><td>19</td><td>1</td></tr><tr><td>Banking and deposit interest expense</td><td>1</td><td>1</td><td>—</td><td>—</td></tr><tr><td>Total net revenues</td><td>2,088</td><td>2,069</td><td>19</td><td>1</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>67</td><td>62</td><td>5</td><td>8</td></tr><tr><td>Interest credited to fixed accounts</td><td>143</td><td>142</td><td>1</td><td>1</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>1,146</td><td>1,134</td><td>12</td><td>1</td></tr><tr><td>Amortization of deferred acquisition costs</td><td>110</td><td>119</td><td>-9</td><td>-8</td></tr><tr><td>General and administrative expense</td><td>224</td><td>226</td><td>-2</td><td>-1</td></tr><tr><td>Total expenses</td><td>1,690</td><td>1,683</td><td>7</td><td>—</td></tr><tr><td>Operating earnings</td><td>$398</td><td>$386</td><td>$12</td><td>3%</td></tr></table>
<table><tr><td></td><td colspan="2">2014</td><td colspan="2">2013</td><td colspan="2">2012</td></tr><tr><td></td><td>U.S. Plans</td><td>Non- U.S. Plans</td><td>U.S. Plans</td><td>Non- U.S. Plans</td><td>U.S. Plans</td><td>Non-U.S.Plans</td></tr><tr><td>Actuarial assumptions used to determine benefit obligations as of December 31:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Discount rate</td><td>4.10%</td><td>4.72%</td><td>4.90%</td><td>5.07%</td><td>4.10%</td><td>4.96%</td></tr><tr><td>Rate of compensation increase</td><td>3.75%</td><td>4.03%</td><td>3.75%</td><td>4.13%</td><td>3.75%</td><td>3.17%</td></tr><tr><td>Actuarial assumptions used to determine net periodic pension cost for years ended December 31:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Discount rate</td><td>4.65%(a)</td><td>5.07%</td><td>4.10%</td><td>4.96%</td><td>5.10%</td><td>5.98%</td></tr><tr><td>Expected long-term rate of return on plan assets (b)</td><td>7.75%</td><td>7.53%</td><td>8.00%</td><td>7.04%</td><td>8.00%</td><td>7.62%</td></tr><tr><td>Rate of compensation increase</td><td>3.75%</td><td>4.13%</td><td>3.75%</td><td>3.17%</td><td>3.75%</td><td>3.12%</td></tr></table>
<table><tr><td>In millions</td><td>2015</td></tr><tr><td>Expense/(Income):</td><td></td></tr><tr><td>Discount rate</td><td>$36</td></tr><tr><td>Expected long-term rate of return on plan assets</td><td>25</td></tr><tr><td>Rate of compensation increase</td><td>-1</td></tr></table>

Question: What's the sum of the Net investment income in the years where Distribution fees is greater than 91?
Answer: 426