THE GOLDMAN SACHS GROUP, INC.  AND SUBSIDIARIES Notes to Consolidated Financial Statements Allowance for Losses on Loans and Lending Commitments The firm’s allowance for loan losses is comprised of specific loan-level reserves, portfolio level reserves, and reserves on PCI loans as described below: ‰ Specific loan-level reserves are determined on loans (excluding PCI loans) that exhibit credit quality weakness and are therefore individually evaluated for impairment.
‰ Portfolio level reserves are determined on loans (excluding PCI loans) not deemed impaired by aggregating groups of loans with similar risk characteristics and estimating the probable loss inherent in the portfolio.
‰ Reserves on PCI loans are recorded when it is determined that the expected cash flows, which are reassessed on a quarterly basis, will be lower than those used to establish the current effective yield for such loans or pools of loans.
If the expected cash flows are determined to be significantly higher than those used to establish the current effective yield, such increases are initially recognized as a reduction to any previously recorded allowances for loan losses and any remaining increases are recognized as interest income prospectively over the life of the loan or pools of loans as an increase to the effective yield.
The allowance for loan losses is determined using various inputs, including industry default and loss data, current macroeconomic indicators, borrower’s capacity to meet its financial obligations, borrower’s country of risk, loan seniority and collateral type.
Management’s estimate of loan losses entails judgment about loan collectability at the reporting dates, and there are uncertainties inherent in those judgments.
While management uses the best information available to determine this estimate, future adjustments to the allowance may be necessary based on, among other things, changes in the economic environment or variances between actual results and the original assumptions used.
Loans are charged off against the allowance for loan losses when deemed to be uncollectible.
As of December 2016 and December 2015, substantially all of the firm’s loans receivable were evaluated for impairment at the portfolio level.
The firm also records an allowance for losses on lending commitments that are held for investment and accounted for on an accrual basis.
Such allowance is determined using the same methodology as the allowance for loan losses, while also taking into consideration the probability of drawdowns or funding, and is included in “Other liabilities and accrued expenses.
” As of December 2016 and December 2015, substantially all of such lending commitments were evaluated for impairment at the portfolio level.
The table below presents changes in the allowance for loan losses and the allowance for losses on lending commitments.
## Table 0 ##
In the table above: ‰ The provision for losses on loans and lending commitments is included in “Other principal transactions.
” Substantially all of this provision was related to corporate loans and corporate lending commitments.
‰ Other represents the reduction to the allowance related to loans and lending commitments transferred to held for sale.
‰ As of December 2016 and December 2015, substantially all of the allowance for loan losses and allowance for losses on lending commitments were related to corporate loans and corporate lending commitments and were primarily determined at the portfolio level.
‰ The firm’s allowance for losses on PCI loans as of December 2016 was not material.
There was no allowance for losses on PCI loans as of December 2015.
The contractual maturities of these investments as of December 31, 2014, were as follows (in millions):
## Table 1 ##
The Company expects that actual maturities may differ from the contractual maturities above because borrowers have the right to call or prepay certain obligations.
Cost Method Investments Cost method investments are initially recorded at cost, and we record dividend income when applicable dividends are declared.
Cost method investments are reported as other investments in our consolidated balance sheets, and dividend income from cost method investments is reported in other income (loss) — net in our consolidated statements of income.
We review all of our cost method investments quarterly to determine if impairment indicators are present; however, we are not required to determine the fair value of these investments unless impairment indicators exist.
When impairment indicators exist, we generally use discounted cash flow analyses to determine the fair value.
We estimate that the fair values of our cost method investments approximated or exceeded their carrying values as of December 31, 2014 and 2013.
Our cost method investments had a carrying value of $166 million and $162 million as of December 31, 2014 and 2013, respectively.
NOTE 4: INVENTORIES Inventories consist primarily of raw materials and packaging (which includes ingredients and supplies) and finished goods (which include concentrates and syrups in our concentrate operations and finished beverages in our finished product operations).
Inventories are valued at the lower of cost or market.
We determine cost on the basis of the average cost or first-in, first-out methods.
Inventories consisted of the following (in millions):
## Table 2 ##
NOTE 5: HEDGING TRANSACTIONS AND DERIVATIVE FINANCIAL INSTRUMENTS The Company is directly and indirectly affected by changes in certain market conditions.
These changes in market conditions may adversely impact the Company’s financial performance and are referred to as “market risks.
” Our Company, when deemed appropriate, uses derivatives as a risk management tool to mitigate the potential impact of certain market risks.
The primary market risks managed by the Company through the use of derivative instruments are foreign currency exchange rate risk, commodity price risk and interest rate risk.
The Company uses various types of derivative instruments including, but not limited to, forward contracts, commodity futures contracts, option contracts, collars and swaps.
Forward contracts and commodity futures contracts are agreements to buy or sell a quantity of a currency or commodity at a predetermined future date, and at a predetermined rate or price.
An option contract is an agreement that conveys the purchaser the right, but not the obligation, to buy or sell a quantity of a currency or commodity at a predetermined rate or price during a period or at a time in the future.
A collar is a strategy that uses a combination of options to limit the range of possible positive or negative returns on an underlying asset or liability to a specific range, or to protect expected future cash flows.
To do this, an investor simultaneously buys a put option and sells (writes) a call option, or alternatively buys a call option and sells (writes) a put option.
A swap agreement is a contract between two parties to exchange cash flows based on specified underlying notional amounts, assets and/or indices.
We do not enter into derivative financial instruments for trading purposes.
All derivatives are carried at fair value in our consolidated balance sheets in the following line items, as applicable: prepaid expenses and other assets; other assets; accounts payable and accrued expenses; and other liabilities.
The carrying values of the
Table of Contents FDIC Assessments FDIC assessments were $10.3 million in 2011, compared to $16.5 million in 2010 and $17.0 million in 2009.
The decrease of $6.2 million in 2011 was primarily due to higher FDIC assessment rates in 2010 associated with the FDIC’s Temporary Liquidity Guarantee Program as well as changes in our assessment calculation by the FDIC beginning in April 2011 pursuant to the Dodd-Frank Act.
Provision for (Reduction of) Unfunded Credit Commitments We recorded a provision for unfunded credit commitments of $4.4 million in 2011, compared to a provision of $4.1 million in 2010 and a reduction of provision of $1.4 million in 2009.
The provision for unfunded credit commitments of $4.4 million in 2011 was primarily due to an increase in unfunded credit commitments and letters of credit balances of $1.1 billion, as well as from changes in the composition of the unfunded loan commitments.
The provision for unfunded credit commitments of $4.1 million in 2010 was primarily due to an increase in our total unfunded credit commitments and letters of credit balances of $974.6 million and changes in the composition of the unfunded loan commitments.
Other Noninterest Expense A summary of other noninterest expense for 2011, 2010 and 2009 is as follows:
## Table 3 ##
(1) Represents gains from the repurchase of $108.6 million of our 5.70% Senior Notes and $204.0 million of our 6.05% Subordinated Notes and the termination of the corresponding portions of interest rate swaps in 2011.
Non-GAAP Noninterest Expense We use and report non-GAAP noninterest expense, non-GAAP taxable equivalent revenue and non-GAAP operating efficiency ratio, which excludes noncontrolling interests.
We believe these non-GAAP financial measures, when taken together with the corresponding GAAP financial measures, provide meaningful supplemental information regarding our performance by: (i) excluding certain items that represent expenses attributable to investors other than us and our subsidiaries, or certain items that do not occur every reporting period; or (ii) providing additional information used by management that is not otherwise required by GAAP or other applicable requirements.
Our management uses, and believes that investors benefit from referring to, these non-GAAP financial measures in assessing our operating results and when planning, forecasting and
VISA INC.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) September 30, 2013 In July 2013, the Company’s board of directors authorized a $1.5 billion share repurchase program to be in effect through July 2014.
As of September 30, 2013, the program had remaining authorized funds of $251 million.
All share repurchase programs authorized prior to July 2013 have been completed.
In October 2013, the Company’s board of directors authorized a new $5.0 billion share repurchase program.
Under the terms of the retrospective responsibility plan, when the Company makes a deposit into the litigation escrow account, the shares of class B common stock are subject to dilution through an adjustment to the conversion rate of the shares of class B common stock to shares of class A common stock.
These deposits have the same economic effect on earnings per share as repurchasing the Company’s class A common stock, because they reduce the class B conversion rate and consequently the as-converted class A common stock share count.
The following table presents as-converted class B common stock after deposits into the litigation escrow account in fiscal 2012.
There were no deposits into the litigation escrow account in fiscal 2013.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="2">Year Ended December</td></tr><tr><td><i>$ in millions</i></td><td>2016</td><td>2015</td></tr><tr><td> Allowance for loan losses</td><td></td><td></td></tr><tr><td>Beginning balance</td><td>$414</td><td>$228</td></tr><tr><td>Charge-offs</td><td>-8</td><td>-1</td></tr><tr><td>Provision</td><td>138</td><td>187</td></tr><tr><td>Other</td><td>-35</td><td>—</td></tr><tr><td> Ending balance</td><td>$509</td><td>$414</td></tr><tr><td> Allowance for losses on lendingcommitments</td><td></td><td></td></tr><tr><td>Beginning balance</td><td>$188</td><td>$ 86</td></tr><tr><td>Provision</td><td>44</td><td>102</td></tr><tr><td>Other</td><td>-20</td><td>—</td></tr><tr><td> Ending balance</td><td>$212</td><td>$188</td></tr></table>
<table><tr><td></td><td colspan="2">Available-for-Sale Securities</td></tr><tr><td></td><td>Cost</td><td>Fair Value</td></tr><tr><td>Within 1 year</td><td>$1,589</td><td>$1,489</td></tr><tr><td>After 1 year through 5 years</td><td>1,709</td><td>1,747</td></tr><tr><td>After 5 years through 10 years</td><td>118</td><td>130</td></tr><tr><td>After 10 years</td><td>380</td><td>392</td></tr><tr><td>Equity securities</td><td>2,687</td><td>4,121</td></tr><tr><td></td><td>$6,483</td><td>$7,879</td></tr></table>
<table><tr><td>December 31,</td><td>2014</td><td>2013</td></tr><tr><td>Raw materials and packaging</td><td>$1,615</td><td>$1,692</td></tr><tr><td>Finished goods</td><td>1,134</td><td>1,240</td></tr><tr><td>Other</td><td>351</td><td>345</td></tr><tr><td>Total inventories</td><td>$3,100</td><td>$3,277</td></tr></table>
<table><tr><td></td><td colspan="5">Year ended December 31,</td></tr><tr><td> (Dollars in thousands)</td><td>2011</td><td> 2010</td><td>% Change 2011/2010</td><td> 2009</td><td>% Change 2010/2009</td></tr><tr><td>Telephone</td><td>$5,835</td><td>$4,952</td><td>17.8%</td><td>$4,202</td><td>17.8%</td></tr><tr><td>Data processing services</td><td>4,811</td><td>4,060</td><td>18.5</td><td>3,025</td><td>34.2</td></tr><tr><td>Client services</td><td>4,594</td><td>2,716</td><td>69.1</td><td>1,923</td><td>41.2</td></tr><tr><td>Tax credit fund amortization</td><td>4,474</td><td>3,965</td><td>12.8</td><td>4,614</td><td>-14.1</td></tr><tr><td>Postage and supplies</td><td>2,162</td><td>2,198</td><td>-1.6</td><td>2,985</td><td>-26.4</td></tr><tr><td>Dues and publications</td><td>1,570</td><td>1,519</td><td>3.4</td><td>1,872</td><td>-18.9</td></tr><tr><td>Net gain from note repurchases and termination of corresponding interest rate swaps -1</td><td>-3,123</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Other</td><td>10,499</td><td>7,081</td><td>48.3</td><td>6,102</td><td>16.0</td></tr><tr><td>Total other noninterest expense</td><td>$30,822</td><td>$26,491</td><td>16.3</td><td>$24,723</td><td>7.2</td></tr></table>

Question: What is the sum of Finished goods of 2013, Client services of Year ended December 31, 2011, and Data processing services of Year ended December 31, 2009 ?
Answer: 8859
Reasoning program: add(1240.0,4594.0), add(#0,3025.0)