ANALOG DEVICES, INC.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS — (Continued) 72 The following is a schedule of future minimum rental payments required under long-term operating leases at October 31, 2015:
## Table 0 ##
12.
Commitments and Contingencies From time to time, in the ordinary course of the Company’s business, various claims, charges and litigation are asserted or commenced against the Company arising from, or related to, contractual matters, patents, trademarks, personal injury, environmental matters, product liability, insurance coverage and personnel and employment disputes.
As to such claims and litigation, the Company can give no assurance that it will prevail.
The Company does not believe that any current legal matters will have a material adverse effect on the Company’s financial position, results of operations or cash flows.13.
Retirement Plans The Company and its subsidiaries have various savings and retirement plans covering substantially all employees.
The Company maintains a defined contribution plan for the benefit of its eligible U. S.  employees.
This plan provides for Company contributions of up to 5% of each participant’s total eligible compensation.
In addition, the Company contributes an amount equal to each participant’s pre-tax contribution, if any, up to a maximum of 3% of each participant’s total eligible compensation.
The total expense related to the defined contribution plan for U. S.  employees was $26.3 million in fiscal 2015, $24.1 million in fiscal 2014 and $23.1 million in fiscal 2013.
The Company also has various defined benefit pension and other retirement plans for certain non-U.
S.  employees that are consistent with local statutory requirements and practices.
The total expense related to the various defined benefit pension and other retirement plans for certain non-U.
S.  employees, excluding settlement charges related to the Company's Irish defined benefit plan, was $33.3 million in fiscal 2015, $29.8 million in fiscal 2014 and $26.5 million in fiscal 2013.
Non-U.
S.  Plan Disclosures During fiscal 2015, the Company converted the benefits provided to participants in the Company’s Irish defined benefits pension plan (the DB Plan) to benefits provided under the Company’s Irish defined contribution plan.
As a result, in fiscal 2015 the Company recorded expenses of $223.7 million, including settlement charges, legal, accounting and other professional fees to settle the pension obligation.
The assets related to the DB Plan were liquidated and used to purchase annuities for retirees and distributed to active and deferred members' accounts in the Company's Irish defined contribution plan in connection with the plan conversion.
Accordingly, plan assets for the DB Plan were zero as of the end of fiscal 2015.
The Company’s funding policy for its foreign defined benefit pension plans is consistent with the local requirements of each country.
The plans’ assets consist primarily of U. S.  and non-U.
S.  equity securities, bonds, property and cash.
The benefit obligations and related assets under these plans have been measured at October 31, 2015 and November 1, 2014.
Components of Net Periodic Benefit Cost Net annual periodic pension cost of non-U.
S.  plans is presented in the following table:
American International Group, Inc.  and Subsidiaries lines.
Group life/health operating income increased in 2007compared to 2006.
Operating income in 2007 included a $52 million decrease in policy beneffits from additional reinsurancerecoveries associated with Superior National,offset by an in- crease of $45 million in DAC amortization related to soP 05-1.
The operating loss in 2006 included a $125 million chargeresulting from the loss of the Superior National arbitration,a$66 million loss related to exiting the financial institutions creditbusiness and a $25 million charge for litigation reserves.
Payout annuities premiums and other considerations increasedin 2007 compared to 2006 reflecting increased sales of struc-tured settlements and terminal funding annuities.
Net investmentincome increased in 2007 reflecting growth in insurance reservesand an increase in call and tender income on fixed income securities.
Payout annuities operating income decreased slightly in2007 as growth in the business was more than offset by highernet realized capital losses and by a $30 million out of periodadjustment to increase group annuity reserves for payout annui-ties.
Operating income in 2006 included a $24 million increase inreserves as various methodologies and assumptions were en-hanced for payout annuity reserves.
lndividual fixed and runoff annuities net investment income andoperating income decreased in 2007 compared to 2006 reflectingdeclining insurance reserves.
Operating income in 2006 included $30 million of increased amor tization due to DAC unlocking toreflect lower in-force amounts.2006 and 2005 Comparison Premiums and other considerations for Domestic Life lnsuranceincreased in 2006 compared to 2005 and were primarily driven bygrowth in the life insurance business in-force and payout annuitypremiums，partially offset by declining in-force business in thehome service and group life/health lines.
Domestic Life Insuranceoperating income declined in 2006 compared to 2005 due to netrealized capital losses and several significant transactions de-scribed below in 2006,par tially offset by continued growth in lifeinsurance and payout annuity business.
Operating income in 2006included a $125 million charge resulting from the loss of the Superior National arbitration and a $66 million loss related toexiting the financial institutions credit business both within thegroup life/health business.
In addition，Domestic Life lnsuranceoperating income was negatively affected by $55 million in litigation accruals,an increase in reserves of $24 million relatedto various methodologies and assumptions which were enhancedin the payout annuity business and a DAC unlocking charge of$30 million in the individual fixed and runoff annuities line toreflect lower in-force amounts.
The following table reflects Domestic Life Insurance periodic premium sales by product for 2007, 2006 and 2005:
## Table 1 ##
* Periodic premium represents premium from new business expected to be collected over a one-year period.2007 and 2006 Comparison Domestic Life Insurance periodic premium sales declined in2007 compared to 2006 primarily as a result of the repricing ofcertain universal life and term products and the tightening ofunderwriting standards during the second half of 2006.
In thesecond half of 2007，AlG experienced positive sales growth inindexed universal life products and the sale of a large privateplacement variable universal life case.2006 and 2005 Comparison Domestic Life Insurance periodic premium sales increased in2006 compared to 2005 primarily reflecting growth in the independent distribution platform.
During the second half of 2006,certain universal life products were re-priced and underwriting standards were tightened.
American International Group, Inc.  and Subsidiaries 3.
Investments Continued The following table presents the amortized cost and estimated fair values of AIG’s available for sale and held to maturity fixed maturity securities at December 31, 2007, by contractual maturity.
Actual maturities may differ from contractual maturities because certain borrowers have the right to call or prepay certain obligations with or without call or prepayment penalties.
## Table 2 ##
AIG’s available for sale securities are recorded on the consolidated balance sheet at December 31, 2007 and 2006 as follows:
## Table 3 ##
(e) Non-Income Producing Invested Assets: At December 31, 2007, non-income producing invested assets were insignificant.
(f) Gross Unrealized Losses and Estimated Fair Values on Investments: The following table summarizes the cost basis and gross unrealized losses on AIG’s available for sale securities, aggregated by major investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2007 and 2006:
## Table 4 ##
(a) For bonds, represents amor tized cost.
(b) Primarily relates to the corporate debt category.
At December 31,2007, AlG held 37,281 and 2,307 of individual bond and stock investments, respectively, that were in an unrealized loss position, of which 9,930 individual investmentswere in an unrealized loss position for a continuous 12 months or longer.
AlG recorded other-than-temporary impaiment charges of $4.7 billion(including $643 million related to AIGFP recorded in Other income),$944 million and $598 million in 2007,2006 and 2005, respectively.
See Note 1(c) herein for AlG's otherthan-temporary impaiment accounting policy.
American International Group, Inc.  and Subsidiaries 18.
Employee Benefits Continued Expected Cash Flows Funding for the U. S.  pension plan ranges from the minimum amount required by ERISA to the maximum amount that would be deductible for U. S.  tax purposes.
This range is generally not determined until the fourth quarter.
Contributed amounts in excess of the minimum amounts are deemed voluntary.
Amounts in excess of the maximum amount would be subject to an excise tax and may not be deductible under the Internal Revenue Code.
Supplemental and excess plans’ payments and postretirement plan payments are deductible when paid.
During 2007 AIG contributed $396 million to its U. S.  and non-U.
S.  pension plans.
The annual pension contribution in 2008 is expected to be approximately $118 million for U. S.  and non-U.
S.  plans.
The expected future bene?t payments, net of partici- pants’ contributions, with respect to the de?ned bene?t pension plans and other postretirement bene?t plans, are as follows:

Tables referenced above, in order (Table 0 first):
<table><tr><td>Fiscal Years</td><td>Operating Leases</td></tr><tr><td>2016</td><td>$21,780</td></tr><tr><td>2017</td><td>16,305</td></tr><tr><td>2018</td><td>8,670</td></tr><tr><td>2019</td><td>4,172</td></tr><tr><td>2020</td><td>3,298</td></tr><tr><td>Later Years</td><td>5,263</td></tr><tr><td>Total</td><td>$59,488</td></tr></table>
<table><tr><td colspan="4"></td><td colspan="2">Percentage Increase/(Decrease)</td></tr><tr><td><i>(in millions)</i></td><td> 2007</td><td>2006</td><td>2005</td><td>2007 vs. 2006</td><td>2006 vs. 2005</td></tr><tr><td>Periodic Premium Sales By Product*:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Universal life</td><td>$230</td><td>$334</td><td>$271</td><td>-31%</td><td>23%</td></tr><tr><td>Variable universal life</td><td>55</td><td>56</td><td>44</td><td>-2</td><td>27</td></tr><tr><td>Term life</td><td>219</td><td>240</td><td>229</td><td>-9</td><td>5</td></tr><tr><td>Whole life/other</td><td>9</td><td>13</td><td>10</td><td>-31</td><td>30</td></tr><tr><td>Total</td><td>$513</td><td>$643</td><td>$554</td><td>-20%</td><td>16%</td></tr></table>
<table><tr><td></td><td colspan="2">Available for Sale</td><td colspan="2">Held to Maturity</td></tr><tr><td><i>(in millions)</i></td><td>Amortized Cost</td><td>Fair Value</td><td>Amortized Cost</td><td>Fair Value</td></tr><tr><td>Due in one year or less</td><td>$25,844</td><td>$25,994</td><td>$72</td><td>$69</td></tr><tr><td>Due after one year through five years</td><td>95,494</td><td>97,466</td><td>284</td><td>277</td></tr><tr><td>Due after five years through ten years</td><td>121,961</td><td>123,196</td><td>1,511</td><td>1,547</td></tr><tr><td>Due after ten years</td><td>117,589</td><td>120,170</td><td>19,714</td><td>20,264</td></tr><tr><td>Mortgage-backed, asset-backed and collateralized</td><td>140,982</td><td>134,500</td><td>—</td><td>—</td></tr><tr><td>Total available for sale</td><td>$501,870</td><td>$501,326</td><td>$21,581</td><td>$22,157</td></tr></table>
<table><tr><td></td><td colspan="2">Fair Value</td></tr><tr><td><i>(in millions)</i></td><td> 2007</td><td>2006</td></tr><tr><td>Bonds available for sale</td><td>$397,372</td><td>$386,869</td></tr><tr><td>Common stocks available for sale</td><td>17,900</td><td>13,256</td></tr><tr><td>Preferred stocks available for sale</td><td>2,370</td><td>2,539</td></tr><tr><td>Financial Services securities available for sale</td><td>40,305</td><td>47,205</td></tr><tr><td>Securities lending invested collateral</td><td>63,649</td><td>69,306</td></tr><tr><td>Total</td><td>$521,596</td><td>$519,175</td></tr></table>
<table><tr><td></td><td colspan="2">12 Months or less</td><td colspan="2">More than 12 Months</td><td colspan="2">Total</td></tr><tr><td><i>(in millions)</i></td><td>Cost<i><sup>(a)</sup></i></td><td>Unrealized Losses</td><td>Cost<sup>(a)</sup></td><td>Unrealized Losses</td><td>Cost<sup>(a)</sup></td><td>Unrealized Losses</td></tr><tr><td> 2007</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Bonds<i><sup>(b)</sup></i></td><td>$190,809</td><td>$9,935</td><td>$65,137</td><td>$3,226</td><td>$255,946</td><td>$13,161</td></tr><tr><td>Equity securities</td><td>4,433</td><td>463</td><td>—</td><td>—</td><td>4,433</td><td>463</td></tr><tr><td>Total</td><td>$195,242</td><td>$10,398</td><td>$65,137</td><td>$3,226</td><td>$260,379</td><td>$13,624</td></tr><tr><td>2006</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Bonds<i><sup>(b)</sup></i></td><td>$69,656</td><td>$1,257</td><td>$84,040</td><td>$2,428</td><td>$153,696</td><td>$3,685</td></tr><tr><td>Equity securities</td><td>2,734</td><td>159</td><td>—</td><td>—</td><td>2,734</td><td>159</td></tr><tr><td>Total</td><td>$72,390</td><td>$1,416</td><td>$84,040</td><td>$2,428</td><td>$156,430</td><td>$3,844</td></tr></table>

Question: Which year is Bonds available the highest? (in million)
Answer: 2007