In October 2003, we expanded our private equity investment management services in emerging markets when we acquired all of the remaining outstanding shares of Darby Overseas Investments, Ltd.  and all of the remaining outstanding limited partnership interests of Darby Overseas Partners, L. P.  (collectively, “Darby”), in which we previously held a partial interest.
Darby, based in Washington, D. C. , sponsors and manages funds for institutional investors and high net-worth individuals that invest primarily in emerging markets through private equity, private debt and infrastructure investment transactions, including regional and specialized sector funds.
In July 2006, we expanded our business in Brazil when we completed the purchase of all of the remaining interests in a Brazilian investment management company, Bradesco Templeton Asset Management Ltda.
, in which we previously held a partial interest.
The company has been renamed Franklin Templeton Investimentos (Brasil) Ltda.
and provides investment management services.
In January 2011, we acquired all of the outstanding shares of a specialty United Kingdom (“U.
K. ”) equity manager, Rensburg Fund Management Limited (“Rensburg”).
Rensburg has been renamed Franklin Templeton Fund Management Limited and serves as a U. K. -based equity manager.
In July 2011, we expanded our business in Australia when we acquired all of the outstanding shares of a specialty Australian equity manager, Balanced Equity Management Pty.
Limited, which provides investment management services.
In November 2012, we acquired approximately 69% of the equity of K2 Advisors Holdings LLC (“K2”), a hedge funds solutions provider, and agreed to acquire K2’s remaining equity interests over a multi-year period beginning in 2017.
As of September 30, 2017, we owned approximately 83% of K2’s equity.
OUR INVESTMENT MANAGEMENT BUSINESS We are committed to providing active investment management and strategic advice.
Through our SIPs, we serve a variety of retail, institutional and high net-worth clients in regions and jurisdictions worldwide.
We derive our revenues and net income from providing investment management and related services to our SIPs and the sub-advised products that we service.
Our investment management fees, which represent the majority of our revenues, depend to a large extent on the level and mix of our AUM and the types of services provided.
Sales and distribution fees, also a significant source of our revenues, consist of sales charges and commissions derived from sales and distribution of our SIPs.
Our business is conducted through our subsidiaries, including those registered with the U. S.  Securities and Exchange Commission (the “SEC”) as investment advisers under the Investment Advisers Act of 1940 (the “Advisers Act”), subsidiaries registered as investment adviser equivalents in jurisdictions including Australia, Brazil, Canada, Hong Kong, India, Japan, Luxembourg, Malaysia, Mexico, Singapore, South Korea, The Bahamas, the United Arab Emirates, the U. K. , and certain other subsidiaries.
AUM by Investment Objective We offer a broad product mix under our equity, multi-asset/balanced, fixed income and cash management investment objectives and solutions.
Our fees for providing investment management services are generally based on a percentage of the market value of AUM in the accounts that we advise, the investment objectives of the accounts and the types of services that we provide for the accounts.
As of September 30, 2017, AUM by investment objective on a worldwide basis was as follows:
## Table 0 ##
CITIZENS FINANCIAL GROUP, INC.
SELECTED STATISTICAL INFORMATION 138 Impact of Nonperforming Loans and Leases on Interest Income The following table presents the gross interest income for both nonaccrual and restructured loans that would have been recognized if such loans had been current in accordance with their original contractual terms, and had been outstanding throughout the year or since origination if held for only part of the year.
The table also presents the interest income related to these loans that was actually recognized for the year.
## Table 1 ##
(1)  Based on the contractual rate that was being charged at the time the loan was restructured or placed on nonaccrual status.
Potential Problem Loans and Leases This disclosure presents outstanding amounts as well as specific reserves for certain loans and leases where information about possible credit problems of borrowers causes management to have serious doubts as to the ability of such borrowers to comply with the present repayment terms.
At December 31, 2014, we did not identify any potential problem loans or leases within the portfolio that were not already included in “—Risk Elements.
” Cross-Border Outstandings Cross-border outstandings can include loans, receivables, interest-bearing deposits with other banks, other interest-bearing investments and other monetary assets that are denominated in either dollars or other non-local currency.
As of December 31, 2014, 2013 and 2012, there were no aggregate cross-border outstandings from borrowers or counterparties in any country that exceeded 1%, or were between 0.75% and 1% of consolidated total assets.
Summary of Loan and Lease Loss Experience The following table summarizes the changes to our allowance for loan and lease losses
## Table 2 ##
Cash Flow Summary The following table is derived from our Consolidated Statement of Cash Flows:
## Table 3 ##
Operating activities Our principal source of liquidity is operating cash flows.
Our net income and, consequently, our cash provided by operations are impacted by sales volume, seasonal sales patterns, timing of new product introductions, profit margins and price changes.
Sales are typically higher during the third and fourth quarters of the year due to seasonal and holiday-related sales patterns.
Generally, working capital needs peak during the summer months.
We meet these needs primarily with cash on hand, bank borrowings or the issuance of commercial paper.
Cash provided by operating activities in 2016 decreased $231.0 million relative to 2015.
This decrease was driven by the following factors: ?
Working capital (comprised of trade accounts receivable, inventory, accounts payable and accrued liabilities) consumed cash of $37 million in 2016, while it generated cash of $57 million in 2015.
This $94 million fluctuation was mainly driven by an $87 million payment to settle an interest rate swap in connection with the issuance of new debt in August 2016.  ?
Prepaid expenses and other current assets consumed cash of $43 million in 2016, while they generated cash of $118 million in 2015.
This $161 million fluctuation was mainly driven by higher payments on commodity futures contracts in 2016 as the market price of cocoa declined, versus receipts in the 2015 period.
As noted previously, we utilize commodity futures contracts to economically manage the risk of future price fluctuations associated with our purchase of raw materials.  ?
Net income adjusted for non-cash charges to operations (including depreciation, amortization, stock-based compensation, excess tax benefit from stock-based compensation, deferred income taxes, goodwill and other intangible asset charges, write-down of equity investments, the gain on settlement of the SGM liability and other charges) decreased cash flow by $34 million in 2016 relative to 2015.
Cash provided by operating activities in 2015 increased $370.1 million relative to 2014.
This increase was driven by the following factors: ?
Working capital (comprised of trade accounts receivable, inventory, accounts payable and accrued liabilities) generated cash of $57 million in 2015, while it consumed cash of $215 million in 2014.
This fluctuation was mainly driven by lower inventory purchases in the 2015 period, since certain raw material inventory had been built up at the preceding year-end to take advantage of favorable pricing.  ?
Prepaid expenses and other current assets generated cash of $118 million in 2015, while they consumed cash of $7 million in 2014.
This $125 million fluctuation was mainly driven by our hedging activities, which favorably impacted cash flow by $55 million in 2015 versus an unfavorable impact of $78 million in 2014, due principally to market gains and losses on our commodity futures contracts.
Our cash receipts typically increase when futures market prices are increasing.  ?2015 cash flow was favorably impacted by approximately $30 million from the timing of tax payments in 2015 compared to 2014.
Pension and Post-Retirement Activity.
We recorded net periodic benefit costs of $72.8 million, $66.8 million and $37.3 million in 2016, 2015 and 2014, respectively, relating to our benefit plans (including our defined benefit and

Tables referenced above, in order (Table 0 first):
<table><tr><td>Investment Objective</td><td>Value in Billions</td><td>Percentage of Total AUM</td></tr><tr><td>Equity</td><td></td><td></td></tr><tr><td>Growth potential, income potential, value or various combinations thereof</td><td>$317.0</td><td>42%</td></tr><tr><td>Multi-Asset/Balanced</td><td></td><td></td></tr><tr><td>Asset allocation, balanced, flexible, alternative and income-mixed funds</td><td>143.3</td><td>19%</td></tr><tr><td>Fixed Income</td><td></td><td></td></tr><tr><td>Global/international, U.S. tax-free and U.S. taxable</td><td>286.6</td><td>38%</td></tr><tr><td>Cash Management</td><td></td><td></td></tr><tr><td>Short-term liquid assets</td><td>6.3</td><td>1%</td></tr><tr><td>Total</td><td>$753.2</td><td>100%</td></tr></table>
<table><tr><td>(in millions)</td><td>For the Year EndedDecember 31, 2014</td></tr><tr><td>Gross amount of interest income that would have been recorded in accordance with original contractual terms, and had been outstanding throughout the year or since origination, if held for only part of the year<sup>-1</sup></td><td>$137</td></tr><tr><td>Interest income actually recognized</td><td>10</td></tr><tr><td>Total interest income foregone</td><td>$127</td></tr></table>
<table><tr><td></td><td colspan="5">As of and for the Year Ended December 31,</td></tr><tr><td>(dollars in millions)</td><td>2014</td><td>2013</td><td>2012</td><td>2011</td><td>2010</td></tr><tr><td>Allowance for Loan and Lease Losses—Beginning:</td><td colspan="5"></td></tr><tr><td>Commercial</td><td>$361</td><td>$379</td><td>$394</td><td>$399</td><td>$451</td></tr><tr><td>Commercial real estate</td><td>78</td><td>111</td><td>279</td><td>401</td><td>317</td></tr><tr><td>Leases</td><td>24</td><td>19</td><td>18</td><td>28</td><td>79</td></tr><tr><td>Qualitative<sup>-1</sup></td><td>35</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total commercial</td><td>498</td><td>509</td><td>691</td><td>828</td><td>847</td></tr><tr><td>Residential mortgages</td><td>104</td><td>74</td><td>105</td><td>118</td><td>146</td></tr><tr><td>Home equity loans</td><td>85</td><td>82</td><td>62</td><td>71</td><td>67</td></tr><tr><td>Home equity lines of credit</td><td>159</td><td>107</td><td>116</td><td>112</td><td>153</td></tr><tr><td>Home equity loans serviced by others<sup>-2</sup></td><td>85</td><td>146</td><td>241</td><td>316</td><td>406</td></tr><tr><td>Home equity lines of credit serviced by others<sup>-2</sup></td><td>18</td><td>32</td><td>52</td><td>69</td><td>89</td></tr><tr><td>Automobile</td><td>23</td><td>30</td><td>40</td><td>41</td><td>100</td></tr><tr><td>Student</td><td>83</td><td>75</td><td>73</td><td>98</td><td>79</td></tr><tr><td>Credit cards</td><td>72</td><td>65</td><td>72</td><td>119</td><td>172</td></tr><tr><td>Other retail</td><td>34</td><td>46</td><td>55</td><td>77</td><td>119</td></tr><tr><td>Qualitative<sup>-1</sup></td><td>60</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total retail</td><td>723</td><td>657</td><td>816</td><td>1,021</td><td>1,331</td></tr><tr><td>Unallocated</td><td>—</td><td>89</td><td>191</td><td>156</td><td>31</td></tr><tr><td>Total allowance for loan and lease losses—beginning</td><td>$1,221</td><td>$1,255</td><td>$1,698</td><td>$2,005</td><td>$2,209</td></tr></table>
<table><tr><td>In millions of dollars</td><td>2016</td><td>2015</td><td>2014</td></tr><tr><td>Net cash provided by (used in):</td><td></td><td></td><td></td></tr><tr><td>Operating activities</td><td>$983.5</td><td>$1,214.5</td><td>$844.4</td></tr><tr><td>Investing activities</td><td>-595.5</td><td>-477.2</td><td>-862.6</td></tr><tr><td>Financing activities</td><td>-434.4</td><td>-755.2</td><td>-719.3</td></tr><tr><td>Effect of exchange rate changes on cash and cash equivalents</td><td>-3.1</td><td>-10.4</td><td>-6.2</td></tr><tr><td>Decrease in cash and cash equivalents</td><td>-49.5</td><td>-28.3</td><td>-743.7</td></tr></table>

Question: In the year / section with largest amount of Commercial real estate , what's the sum of Allowance for Loan and Lease Losses—Beginning? (in million)
Answer: 828
Reasoning program: add(399,401), add(#0,28)