The majority of the floating rates are based on three- and six-month London InterBank Offered Rates (LIBOR).
Bank of America Corporation and Bank of America, N. A.  maintain various domestic and international debt programs to offer both senior and subordinated notes.
The notes may be denominated in U. S.  dollars or foreign currencies.
At December 31, 2007 and 2006, the amount of foreign currency-denominated debt translated into U. S.  dollars included in total long-term debt was $58.8 billion and $37.8 billion.
Foreign currency contracts are used to convert certain foreign currency-denominated debt into U. S.  dollars.
At December 31, 2007 and 2006, Bank of America Corporation was authorized to issue approximately $64.0 billion and $58.1 billion of additional corporate debt and other securities under its existing shelfregistration statements.
At December 31, 2007 and 2006, Bank of America, N. A.  was authorized to issue approximately $62.1 billion and $30.8 billion of bank notes.
At December 31, 2007, Bank of America, N. A.  was authorized to issue approximately $20.6 billion of additional mortgage notes.
The weighted average effective interest rates for total long-term debt, total fixed-rate debt and total floating-rate debt (based on the rates in effect at December 31, 2007) were 5.09 percent, 5.21 percent and 4.93 percent, respectively, at December 31, 2007 and (based on the rates in effect at December 31, 2006) were 5.32 percent, 5.41 percent and 5.18 percent, respectively, at December 31, 2006.
These obligations were denominated primarily in U. S.  dollars.
The following table presents aggregate annual maturities of long-term debt obligations (based on final maturity dates) at December 31, 2007.
## Table 0 ##
Trust Preferred and Hybrid Securities Trust preferred securities (Trust Securities) are issued by the trust companies (the Trusts) which are not consolidated.
These Trust Securities are mandatorily redeemable preferred security obligations of the Trusts.
The sole assets of the Trusts are Junior Subordinated Deferrable Interest Notes of the Corporation (the Notes).
The Trusts are 100 percent-owned finance subsidiaries of the Corporation.
Obligations associated with the Notes are included in the Long-term Debt table on the previous page.
Certain of the Trust Securities were issued at a discount and may be redeemed prior to maturity at the option of the Corporation.
The Trusts have invested the proceeds of such Trust Securities in the Notes.
Each issue of the Notes has an interest rate equal to the corresponding Trust Securities distribution rate.
The Corporation has the right to defer payment of interest on the Notes at any time, or from time to time for a period not exceeding five years, provided that no extension period may extend beyond the stated maturity of the relevant Notes.
During any such extension period, distributions on the Trust Securities will also be deferred and the Corporation’s ability to pay dividends on its common and preferred stock will be restricted.
The Trust Securities are subject to mandatory redemption upon repayment of the related Notes at their stated maturity dates or their earlier redemption at a redemption price equal to their liquidation amount plus accrued distributions to the date fixed for redemption and the premium, if any, paid by the Corporation upon concurrent repayment of the related Notes.
Periodic cash payments and payments upon liquidation or redemption with respect to Trust Securities are guaranteed by the Corporation to the extent of funds held by the Trusts (the Preferred Securities Guarantee).
The Preferred Securities Guarantee, when taken together with the Corporation’s other obligations, including its obligations under the Notes, will constitute a full and unconditional guarantee, on a sub ordinated basis, by the Corporation of payments due on the Trust Securities.
Hybrid Income Term Securities (HITS) totaling $1.6 billion were also issued by the Trusts to institutional investors.
The BAC Capital Trust XIII Floating Rate Preferred HITS have a distribution rate of three-month LIBOR plus 40 bps and the BAC Capital Trust XIV Fixed-to-Floating Rate Preferred HITS have an initial distribution rate of 5.63 percent.
Both series of HITS represent beneficial interests in the assets of the respective capital trust, which consists of a series of the Corporation’s junior subordinated notes and a stock purchase contract for a specified series of the Corporation’s preferred stock.
The Corporation will remarket the junior subordinated notes underlying each series of HITS on or about the five-year anniversary of the issuance to obtain sufficient funds for the capital trusts to buy the Corporation’s preferred stock under the stock purchase contracts.
In connection with the HITS, the Corporation entered into two replacement capital covenants for the benefit of investors in certain series of the Corporation’s long-term indebtedness (Covered Debt).
As of the date of this report, the Corporation’s 65?8% Junior Subordinated Notes due 2036 constitutes the Covered Debt under the covenant corresponding to the Floating Rate Preferred HITS and the Corporation’s 55?8% Junior Subordinated Notes due 2035 constitutes the Covered Debt under the covenant corresponding to the Fixed-to-Floating Rate Preferred HITS.
These covenants generally restrict the ability of the Corporation and its subsidiaries to redeem or purchase the HITS and related securities unless the Corporation has obtained the prior approval of the FRB if required under the FRB’s capital guidelines, the redemption or purchase price of the HITS does not exceed the amount received by the Corporation from the sale of certain qualifying securities, and such replacement securities qualify as Tier 1 Capital and are not “restricted core capital elements” under the FRB’s guidelines.
Table 20 (Dollars in millions) Residential mortgage (1) Home equity Discontinued real estate (2) U. S.  credit card Non-U.
S.  credit card Direct/Indirect consumer (3) Other consumer (4) Consumer loans excluding loans accounted for under the fair value option Loans accounted for under the fair value option (5) Total consumer loans Consumer Loans
## Table 1 ##
(1) Outstandings includes non-U.
S.  residential mortgages of $85 million and $90 million at December 31, 2011 and 2010.
(2) Outstandings includes $9.9 billion and $11.8 billion of pay option loans and $1.2 billion and $1.3 billion of subprime loans at December 31, 2011 and 2010.
We no longer originate these products.
(3) Outstandings includes dealer financial services loans of $43.0 billion and $43.3 billion, consumer lending loans of $8.0 billion and $12.4 billion, U. S.  securities-based lending margin loans of $23.6 billion and $16.6 billion, student loans of $6.0 billion and $6.8 billion, non-U.
S.  consumer loans of $7.6 billion and $8.0 billion, and other consumer loans of $1.5 billion and $3.2 billion at December 31, 2011 and 2010.
(4) Outstandings includes consumer finance loans of $1.7 billion and $1.9 billion, other non-U.
S.  consumer loans of $929 million and $803 million, and consumer overdrafts of $103 million and $88 million at December 31, 2011 and 2010.
(5) Consumer loans accounted for under the fair value option include residential mortgage loans of $906 million and discontinued real estate loans of $1.3 billion at December 31, 2011.
There were no consumer loans accounted for under the fair value option at December 31, 2010.
See Consumer Credit Risk – Consumer Loans Accounted for Under the Fair Value Option on page 86 and Note 23 – Fair Value Option to the Consolidated Financial Statements for additional information on the fair value option.
n/a = not applicable Table 21 presents accruing consumer loans past due 90 days or more and consumer nonperforming loans.
Nonperforming loans do not include past due consumer credit card loans, consumer non-real estate-secured loans or unsecured consumer loans as these loans are generally charged off no later than the end of the month in which the loan becomes 180 days past due.
Real estatesecured past due consumer loans, which include loans insured by the FHA and individually insured long-term stand-by agreements with FNMA and FHLMC (fully-insured loan portfolio), are reported as accruing as opposed to nonperforming since the principal repayment is insured.
Fully-insured loans included in accruing past due 90 days or more are primarily related to our purchases of delinquent FHA loans pursuant to our servicing agreements.
Additionally, nonperforming loans and accruing balances past due 90 days or more do not include the Countrywide PCI loan portfolio or loans accounted for under the fair value option even though the customer may be contractually past due.
For additional information on FHA loans, see Off-Balance Sheet Arrangements and Contractual Obligations – Unresolved Claims Status on page 51.
## Table 2 ##
(1) Balances accruing past due 90 days or more are fully-insured loans.
These balances include $17.0 billion and $8.3 billion of loans on which interest has been curtailed by the FHA, and therefore are no longer accruing interest, although principal is still insured and $4.2 billion and $8.5 billion of loans on which interest was still accruing at December 31, 2011 and 2010.
(2) Balances exclude consumer loans accounted for under the fair value option.
At December 31, 2011, approximately $713 million of loans accounted for under the fair value option were past due 90 days or more and not accruing interest.
There were no consumer loans accounted for under the fair value option at December 31, 2010.  n/a = not applicable
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) Fiscal years ended May 25, 2008, May 27, 2007, and May 28, 2006 Columnar Amounts in Millions Except Per Share Amounts administrative expenses, including the reclassification of the cumulative after-tax charges of $21.9 million from accumulated other comprehensive income.
During fiscal 2007, the Company closed on the sale of these notes for approximately $117 million, net of transaction expenses, resulting in no additional gain or loss.8.
INVENTORIES The major classes of inventories are as follows:

Tables referenced above, in order (Table 0 first):
<table><tr><td>(Dollars in millions)</td><td> 2008</td><td> 2009</td><td> 2010</td><td> 2011</td><td> 2012</td><td> Thereafter</td><td> Total</td></tr><tr><td>Bank of America Corporation</td><td>$7,303</td><td>$13,487</td><td>$19,632</td><td>$8,430</td><td>$12,188</td><td>$74,722</td><td>$135,762</td></tr><tr><td>Bank of America, N.A. and other subsidiaries</td><td>18,802</td><td>9,879</td><td>2,967</td><td>147</td><td>5,663</td><td>9,562</td><td>47,020</td></tr><tr><td>NB Holdings Corporation</td><td>–</td><td>–</td><td>–</td><td>–</td><td>–</td><td>258</td><td>258</td></tr><tr><td>BAC North America Holding Company and subsidiaries</td><td>16</td><td>73</td><td>91</td><td>51</td><td>15</td><td>2,670</td><td>2,916</td></tr><tr><td>Other</td><td>4,314</td><td>2,783</td><td>1,781</td><td>1,505</td><td>116</td><td>1,053</td><td>11,552</td></tr><tr><td> Total</td><td>$30,435</td><td>$26,222</td><td>$24,471</td><td>$10,133</td><td>$17,982</td><td>$88,265</td><td>$197,508</td></tr></table>
<table><tr><td>Table 20</td><td>Consumer Loans</td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td colspan="4">December 31</td></tr><tr><td></td><td></td><td colspan="2">Outstandings</td><td colspan="2">Countrywide Purchased Credit-impaired Loan Portfolio</td></tr><tr><td colspan="2">(Dollars in millions)</td><td>2011</td><td>2010</td><td>2011</td><td>2010</td></tr><tr><td colspan="2">Residential mortgage<sup>-1</sup></td><td>$262,290</td><td>$257,973</td><td>$9,966</td><td>$10,592</td></tr><tr><td colspan="2">Home equity</td><td>124,699</td><td>137,981</td><td>11,978</td><td>12,590</td></tr><tr><td colspan="2">Discontinued real estate<sup>-2</sup></td><td>11,095</td><td>13,108</td><td>9,857</td><td>11,652</td></tr><tr><td colspan="2">U.S. credit card</td><td>102,291</td><td>113,785</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Non-U.S. credit card</td><td>14,418</td><td>27,465</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Direct/Indirect consumer<sup>-3</sup></td><td>89,713</td><td>90,308</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Other consumer<sup>-4</sup></td><td>2,688</td><td>2,830</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Consumer loans excluding loans accounted for under the fair value option</td><td>607,194</td><td>643,450</td><td>31,801</td><td>34,834</td></tr><tr><td colspan="2">Loans accounted for under the fair value option<sup>-5</sup></td><td>2,190</td><td>n/a</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Total consumer loans</td><td>$609,384</td><td>$643,450</td><td>$31,801</td><td>$34,834</td></tr></table>
<table><tr><td>Table 21</td><td>Consumer Credit Quality</td><td></td><td></td><td></td><td></td></tr><tr><td colspan="2"></td><td colspan="4">December 31</td></tr><tr><td colspan="2"></td><td colspan="2">Accruing Past Due90 Days or More</td><td colspan="2">Nonperforming</td></tr><tr><td colspan="2">(Dollars in millions)</td><td>2011</td><td>2010</td><td>2011</td><td>2010</td></tr><tr><td colspan="2">Residential mortgage<sup>-1</sup></td><td>$21,164</td><td>$16,768</td><td>$15,970</td><td>$17,691</td></tr><tr><td colspan="2">Home equity</td><td>—</td><td>—</td><td>2,453</td><td>2,694</td></tr><tr><td colspan="2">Discontinued real estate</td><td>—</td><td>—</td><td>290</td><td>331</td></tr><tr><td colspan="2">U.S. credit card</td><td>2,070</td><td>3,320</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Non-U.S. credit card</td><td>342</td><td>599</td><td>n/a</td><td>n/a</td></tr><tr><td colspan="2">Direct/Indirect consumer</td><td>746</td><td>1,058</td><td>40</td><td>90</td></tr><tr><td colspan="2">Other consumer</td><td>2</td><td>2</td><td>15</td><td>48</td></tr><tr><td colspan="2">Total<sup>-2</sup></td><td>$24,324</td><td>$21,747</td><td>$18,768</td><td>$20,854</td></tr><tr><td colspan="2">Consumer loans as a percentage of outstanding consumer loans<sup>-2</sup></td><td>4.01%</td><td>3.38%</td><td>3.09%</td><td>3.24%</td></tr><tr><td colspan="2">Consumer loans as a percentage of outstanding loans excluding Countrywide PCI and fully-insured loan portfolios<sup>-2</sup></td><td>0.66</td><td>0.92</td><td>3.90</td><td>3.85</td></tr></table>

Question: What's the average of the U.S. credit card in table 2 in the years where Non-U.S. credit card in table 2 is positive? (in millions)
Answer: 2070