## Table 0 ##
(1) 2010 period is presented in accordance with new consolidation guidance.
(2) Includes non-U.
S.  residential mortgages of $90 million and $552 million at December 31, 2010 and 2009.
There were no material non-U.
S.  residential mortgage loans prior to January 1, 2009.
(3) Includes $11.8 billion, $13.4 billion and $18.2 billion of pay option loans, and $1.3 billion, $1.5 billion and $1.8 billion of subprime loans at December 31, 2010, 2009 and 2008, respectively.
We no longer originate these products.
(4) Includes dealer financial services loans of $42.9 billion, $41.6 billion, $40.1 billion, $37.2 billion and $33.4 billion; consumer lending loans of $12.9 billion, $19.7 billion, $28.2 billion, $24.4 billion and $16.3 billion; U. S.  securitiesbased lending margin loans of $16.6 billion, $12.9 billion, $0, $0 and $0; student loans of $6.8 billion, $10.8 billion, $8.3 billion, $4.7 billion and $4.3 billion; non-U.
S.  consumer loans of $8.0 billion, $8.0 billion, $1.8 billion, $3.4 billion and $3.9 billion; and other consumer loans of $3.1 billion, $4.2 billion, $5.0 billion, $6.8 billion and $1.3 billion at December 31, 2010, 2009, 2008, 2007 and 2006, respectively.
(5) Includes consumer finance loans of $1.9 billion, $2.3 billion, $2.6 billion, $3.0 billion and $2.8 billion, other non-U.
S.  consumer loans of $803 million, $709 million, $618 million, $829 million and $2.3 billion, and consumer overdrafts of $88 million, $144 million, $211 million, $320 million and $172 million at December 31, 2010, 2009, 2008, 2007 and 2006, respectively.
(6) Includes U. S.  small business commercial loans, including card-related products, of $14.7 billion, $17.5 billion, $19.1 billion, $19.3 billion and $15.2 billion at December 31, 2010, 2009, 2008, 2007 and 2006, respectively.
(7) Includes U. S.  commercial real estate loans of $46.9 billion, $66.5 billion, $63.7 billion, $60.2 billion and $35.7 billion and non-U.
S.  commercial real estate loans of $2.5 billion, $3.0 billion, $979 million, $1.1 billion and $578 million at December 31, 2010, 2009, 2008, 2007 and 2006, respectively.
(8) Certain commercial loans are accounted for under the fair value option and include U. S.  commercial loans of $1.6 billion, $3.0 billion, $3.5 billion and $3.5 billion, non-U.
S.  commercial loans of $1.7 billion, $1.9 billion, $1.7 billion and $790 million, and commercial real estate loans of $79 million, $90 million, $203 million and $304 million at December 31, 2010, 2009, 2008 and 2007, respectively.
n/a = not applicable
## Table 1 ##
(1) Balances do not include PCI loans even though the customer may be contractually past due.
Loans accounted for as PCI loans were written down to fair value upon acquisition and accrete interest income over the remaining life of the loan.
In addition, FHA loans are excluded from nonper forming loans and foreclosed properties since the principal payments are insured by the FHA.
(2) In 2010, $2.0 billion in interest income was estimated to be contractually due on consumer loans and leases classified as nonperforming at December 31, 2010 provided that these loans and leases had been paying according to their terms and conditions, including TDRs of which $9.9 billion were performing at December 31, 2010 and not included in the table above.
Approximately $514 million of the estimated $2.0 billion in contractual interest was received and included in earnings for 2010.
(3) Excludes U. S.  small business commercial loans.
(4) In 2010, $429 million in interest income was estimated to be contractually due on commercial loans and leases classified as nonper forming at December 31, 2010, including TDRs of which $238 million were per forming at December 31, 2010 and not included in the table above.
Approximately $76 million of the estimated $429 million in contractual interest was received and included in earnings for 2010.
(5) Balances do not include loans accounted for under the fair value option.
At December 31, 2010, there were $30 million of nonperforming loans accounted for under the fair value option.
At December 31, 2010, there were $0 of loans or leases past due 90 days or more and still accruing interest accounted for under the fair value option.
n/a = not applicable
In 2010, the $2.7 billion Corporate Investments equity securities portfolio, which consisted of highly liquid publicly-traded equity securities, was sold as a result of a change in our investment portfolio objectives shifting more to interest earnings and reducing our exposure to equity market risk, which contributed to the $293 million loss in 2010.
Global Principal Investments (GPI) is comprised of a diversified portfolio of investments in private equity, real estate and other alternative investments.
These investments are made either directly in a company or held through a fund with related income recorded in equity investment income.
GPI had unfunded equity commitments of $1.4 billion and $2.5 billion at December 31, 2010 and 2009, related to certain of these investments.
During 2010, we sold our exposure of $2.9 billion in certain private equity funds, comprised of $1.5 billion in funded exposure and $1.4 billion in unfunded commitments in these funds as we continue to reduce our equity exposure.
Affiliates of the Corporation may, from time to time, act as general partner, fund manager and/or investment advisor to certain Corporation-sponsored real estate private equity funds.
In this capacity, these affiliates manage and/or provide investment advisory services to such real estate private equity funds primarily for the benefit of third-party institutional and private clients.
These activities, which are recorded in GPI, inherently involve risk to us and to the fund investors, and in certain situations may result in losses.
In 2010, we recorded a loss of $163 million related to a consolidated real estate private equity fund for which we were the general partner and investment advisor.
In late 2010, the general partner and investment advisor responsibilities were transferred to an independent third-party asset manager.
Strategic Investments includes primarily our investment in CCB of $19.7 billion as well as our $2.6 billion remaining investment in BlackRock.
At December 31, 2010, we owned approximately 10 percent, or 25.6 billion common shares of CCB.
During 2010, we sold certain rights related to our investment in CCB resulting in a gain of $432 million.
Also during 2010, we sold our Itaú Unibanco and Santander equity investments resulting in a net gain of approximately $800 million and a portion of our interest in BlackRock resulting in a gain of $91 million.
All Other reported net income of $1.1 billion in 2010 compared to $1.3 billion in 2009 with the decline due to decreases in net interest income and noninterest income compared to the prior year.
The decrease in net interest income was driven by a $1.4 billion lower funding differential on certain securitizations and the impact of capital raises occurring throughout 2009 that were not allocated to the businesses.
Noninterest income decreased $4.9 billion, as the prior year included a $7.3 billion gain resulting from sales of shares of CCB and an increase of $1.4 billion on net gains on the sale of debt securities.
This was offset by net negative fair value adjustments of $4.9 billion on structured liabilities in 2009 compared to a net positive adjustment of $18 million in 2010 and higher valuation adjustments and gains on sales of select investments in GPI.
Also in 2010, we sold our investments in Itaú Unibanco and Santander resulting in a net gain of approximately $800 million, as well as the gains on CCB and BlackRock.
For more information on the sales of these investments, see Note 5 – Securities to the Consolidated Financial Statements.
Provision for credit losses decreased $3.4 billion to $4.6 billion due to improving portfolio trends in the residential mortgage portfolio partially offset by further deterioration in the Countrywide purchased credit-impaired discontinued real estate portfolio.
The income tax benefit in 2010 was $4.1 billion compared to $2.4 billion in 2009, driven by an increase in the pre-tax loss as well as the release of a higher portion of a deferred tax asset valuation allowance.
During 2010, we completed the sale of First Republic at book value and as a result, we removed $17.4 billion of loans and $17.8 billion of deposits from the Corporation’s Consolidated Balance Sheet.
Off-Balance Sheet Arrangements and Contractual Obligations We have contractual obligations to make future payments on debt and lease agreements.
Additionally, in the normal course of business, we enter into contractual arrangements whereby we commit to future purchases of products or services from unaffiliated parties.
Obligations that are legally binding agreements whereby we agree to purchase products or services with a specific minimum quantity defined at a fixed, minimum or variable price over a specified period of time are defined as purchase obligations.
Included in purchase obligations are commitments to purchase loans of $2.6 billion and vendor contracts of $7.1 billion.
The most significant vendor contracts include communication services, processing services and software contracts.
Other long-term liabilities include our contractual funding obligations related to the Qualified Pension Plans, Non-U.
S.  Pension Plans, Nonqualified Pension Plans, and Postretirement Health and Life Plans (the Plans).
Obligations to the Plans are based on the current and projected obligations of the Plans, per formance of the Plans’ assets and any participant contributions, if applicable.
During 2010 and 2009, we contributed $378 million and $414 million to the Plans, and we expect to make at least $306 million of contributions during 2011.
Debt, lease, equity and other obligations are more fully discussed in Note 13 – Long-term Debt and Note 14 – Commitments and Contingencies to the Consolidated Financial Statements.
The Plans are more fully discussed in Note 19 – Employee Benefit Plans to the Consolidated Financial Statements.
We enter into commitments to extend credit such as loan commitments, standby letters of credit (SBLCs) and commercial letters of credit to meet the financing needs of our customers.
For a summary of the total unfunded, or offbalance sheet, credit extension commitment amounts by expiration date, see the table in Note 14 – Commitments and Contingencies to the Consolidated Financial Statements.
Table 9 presents total long-term debt and other obligations at December 31, 2010.
## Table 2 ##
NBCUniversal Media, LLC Indefinite-Lived Intangible Assets Indefinite-lived intangible assets consist of trade names and FCC licenses.
We assess the recoverability of our indefinite-lived intangible assets annually, or more frequently whenever events or substantive changes in circumstances indicate that the assets might be impaired.
We evaluate the unit of account used to test for impairment of our indefinite-lived intangible assets periodically or whenever events or substantive changes in circumstances occur to ensure impairment testing is performed at an appropriate level.
The assessment of recoverability may first consider qualitative factors to determine whether it is more likely than not that the fair value of an indefinite-lived intangible asset is less than its carrying amount.
A quantitative assessment is performed if the qualitative assessment results in a more-likely-than-not determination or if a qualitative assessment is not performed.
When performing a quantitative assessment, we estimate the fair value of our indefinite-lived intangible assets primarily based on a discounted cash flow analysis that involves significant judgment.
When analyzing the fair values indicated under the discounted cash flow models, we also consider multiples of operating income before depreciation and amortization generated by the underlying assets, current market transactions, and profitability information.
If the fair value of our indefinite-lived intangible assets were less than the carrying amount, we would recognize an impairment charge for the difference between the estimated fair value and the carrying value of the assets.
Unless presented separately, the impairment charge is included as a component of amortization expense.
We did not recognize any material impairment charges in any of the periods presented.
Finite-Lived Intangible Assets Estimated Amortization Expense of Finite-Lived Intangible Assets

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="5"> December 31</td></tr><tr><td>(Dollars in millions)</td><td> 2010<sup>-1</sup></td><td>2009</td><td>2008</td><td>2007</td><td>2006</td></tr><tr><td> Consumer</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage<sup>-2</sup></td><td>$257,973</td><td>$242,129</td><td>$248,063</td><td>$274,949</td><td>$241,181</td></tr><tr><td>Home equity</td><td>137,981</td><td>149,126</td><td>152,483</td><td>114,820</td><td>87,893</td></tr><tr><td>Discontinued real estate<sup>-3</sup></td><td>13,108</td><td>14,854</td><td>19,981</td><td>n/a</td><td>n/a</td></tr><tr><td>U.S. credit card</td><td>113,785</td><td>49,453</td><td>64,128</td><td>65,774</td><td>61,195</td></tr><tr><td>Non-U.S.credit card</td><td>27,465</td><td>21,656</td><td>17,146</td><td>14,950</td><td>10,999</td></tr><tr><td>Direct/Indirect consumer<sup>-4</sup></td><td>90,308</td><td>97,236</td><td>83,436</td><td>76,538</td><td>59,206</td></tr><tr><td>Other consumer<sup>-5</sup></td><td>2,830</td><td>3,110</td><td>3,442</td><td>4,170</td><td>5,231</td></tr><tr><td> Total consumer</td><td>643,450</td><td>577,564</td><td>588,679</td><td>551,201</td><td>465,705</td></tr><tr><td> Commercial</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. commercial<sup>-6</sup></td><td>190,305</td><td>198,903</td><td>219,233</td><td>208,297</td><td>161,982</td></tr><tr><td>Commercial real estate<sup>-7</sup></td><td>49,393</td><td>69,447</td><td>64,701</td><td>61,298</td><td>36,258</td></tr><tr><td>Commercial lease financing</td><td>21,942</td><td>22,199</td><td>22,400</td><td>22,582</td><td>21,864</td></tr><tr><td>Non-U.S.commercial</td><td>32,029</td><td>27,079</td><td>31,020</td><td>28,376</td><td>20,681</td></tr><tr><td>Total commercial loans</td><td>293,669</td><td>317,628</td><td>337,354</td><td>320,553</td><td>240,785</td></tr><tr><td>Commercial loans measured at fair value<sup>-8</sup></td><td>3,321</td><td>4,936</td><td>5,413</td><td>4,590</td><td>n/a</td></tr><tr><td> Total commercial</td><td>296,990</td><td>322,564</td><td>342,767</td><td>325,143</td><td>240,785</td></tr><tr><td> Total loans and leases</td><td>$940,440</td><td>$900,128</td><td>$931,446</td><td>$876,344</td><td>$706,490</td></tr></table>
<table><tr><td></td><td colspan="5"> December 31</td></tr><tr><td>(Dollars in millions)</td><td> 2010</td><td>2009</td><td>2008</td><td>2007</td><td>2006</td></tr><tr><td> Consumer</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>$17,691</td><td>$16,596</td><td>$7,057</td><td>$1,999</td><td>$660</td></tr><tr><td>Home equity</td><td>2,694</td><td>3,804</td><td>2,637</td><td>1,340</td><td>289</td></tr><tr><td>Discontinued real estate</td><td>331</td><td>249</td><td>77</td><td>n/a</td><td>n/a</td></tr><tr><td>Direct/Indirect consumer</td><td>90</td><td>86</td><td>26</td><td>8</td><td>4</td></tr><tr><td>Other consumer</td><td>48</td><td>104</td><td>91</td><td>95</td><td>77</td></tr><tr><td> Total consumer<sup>-2</sup></td><td>20,854</td><td>20,839</td><td>9,888</td><td>3,442</td><td>1,030</td></tr><tr><td> Commercial</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. commercial<sup>-3</sup></td><td>3,453</td><td>4,925</td><td>2,040</td><td>852</td><td>494</td></tr><tr><td>Commercial real estate</td><td>5,829</td><td>7,286</td><td>3,906</td><td>1,099</td><td>118</td></tr><tr><td>Commercial lease financing</td><td>117</td><td>115</td><td>56</td><td>33</td><td>42</td></tr><tr><td>Non-U.S.commercial</td><td>233</td><td>177</td><td>290</td><td>19</td><td>13</td></tr><tr><td></td><td>9,632</td><td>12,503</td><td>6,292</td><td>2,003</td><td>667</td></tr><tr><td>U.S. small business commercial</td><td>204</td><td>200</td><td>205</td><td>152</td><td>90</td></tr><tr><td> Total commercial<sup>-4</sup></td><td>9,836</td><td>12,703</td><td>6,497</td><td>2,155</td><td>757</td></tr><tr><td> Total nonperforming loans and leases</td><td>30,690</td><td>33,542</td><td>16,385</td><td>5,597</td><td>1,787</td></tr><tr><td>Foreclosed properties</td><td>1,974</td><td>2,205</td><td>1,827</td><td>351</td><td>69</td></tr><tr><td> Total nonperforming loans, leases and foreclosed properties<sup>-5</sup></td><td>$32,664</td><td>$35,747</td><td>$18,212</td><td>$5,948</td><td>$1,856</td></tr></table>
<table><tr><td></td><td colspan="5"> December 31, 2010</td></tr><tr><td>(Dollars in millions)</td><td> Due in   1 Year or Less</td><td> Due after   1 Year through   3 Years</td><td> Due after   3 Years through   5 Years</td><td> Due after   5 Years</td><td> Total</td></tr><tr><td>Long-term debt and capital leases</td><td>$89,251</td><td>$138,603</td><td>$69,539</td><td>$151,038</td><td>$448,431</td></tr><tr><td>Operating lease obligations</td><td>3,016</td><td>4,716</td><td>2,894</td><td>6,624</td><td>17,250</td></tr><tr><td>Purchase obligations</td><td>5,257</td><td>2,490</td><td>1,603</td><td>1,077</td><td>10,427</td></tr><tr><td>Time deposits</td><td>181,280</td><td>17,548</td><td>4,752</td><td>4,178</td><td>207,758</td></tr><tr><td>Other long-term liabilities</td><td>696</td><td>1,047</td><td>770</td><td>1,150</td><td>3,663</td></tr><tr><td> Total long-term debt and other obligations</td><td>$279,500</td><td>$164,404</td><td>$79,558</td><td>$164,067</td><td>$687,529</td></tr></table>

Question: What's the average of Home equity in 2010, 2009, and 2008? (in millions)
Answer: 146530
Reasoning program: add(137981,149126), add(#0,152483), divide(#1,const_3)