ADOBE SYSTEMS INCORPORATED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued) 70 We review our goodwill for impairment annually, or more frequently, if facts and circumstances warrant a review.
We completed our annual impairment test in the second quarter of fiscal 2014.
We elected to use the Step 1 quantitative assessment for our reporting units and determined that there was no impairment of goodwill.
There is no significant risk of material goodwill impairment in any of our reporting units, based upon the results of our annual goodwill impairment test.
We amortize intangible assets with finite lives over their estimated useful lives and review them for impairment whenever an impairment indicator exists.
We continually monitor events and changes in circumstances that could indicate carrying amounts of our long-lived assets, including our intangible assets may not be recoverable.
When such events or changes in circumstances occur, we assess recoverability by determining whether the carrying value of such assets will be recovered through the undiscounted expected future cash flows.
If the future undiscounted cash flows are less than the carrying amount of these assets, we recognize an impairment loss based on any excess of the carrying amount over the fair value of the assets.
We did not recognize any intangible asset impairment charges in fiscal 2014, 2013 or 2012.
Our intangible assets are amortized over their estimated useful lives of 1 to 14 years.
Amortization is based on the pattern in which the economic benefits of the intangible asset will be consumed or on a straight-line basis when the consumption pattern is not apparent.
The weighted average useful lives of our intangible assets were as follows:
## Table 0 ##
Software Development Costs Capitalization of software development costs for software to be sold, leased, or otherwise marketed begins upon the establishment of technological feasibility, which is generally the completion of a working prototype that has been certified as having no critical bugs and is a release candidate.
Amortization begins once the software is ready for its intended use, generally based on the pattern in which the economic benefits will be consumed.
To date, software development costs incurred between completion of a working prototype and general availability of the related product have not been material.
Internal Use Software We capitalize costs associated with customized internal-use software systems that have reached the application development stage.
Such capitalized costs include external direct costs utilized in developing or obtaining the applications and payroll and payroll-related expenses for employees, who are directly associated with the development of the applications.
Capitalization of such costs begins when the preliminary project stage is complete and ceases at the point in which the project is substantially complete and is ready for its intended purpose.
Income Taxes We use the asset and liability method of accounting for income taxes.
Under this method, income tax expense is recognized for the amount of taxes payable or refundable for the current year.
In addition, deferred tax assets and liabilities are recognized for expected future tax consequences of temporary differences between the financial reporting and tax bases of assets and liabilities, and for operating losses and tax credit carryforwards.
We record a valuation allowance to reduce deferred tax assets to an amount for which realization is more likely than not.
Taxes Collected from Customers We net taxes collected from customers against those remitted to government authorities in our financial statements.
Accordingly, taxes collected from customers are not reported as revenue.
CITIZENS FINANCIAL GROUP, INC.  MANAGEMENT’S DISCUSSION AND ANALYSIS 67 Net Interest Income The following table presents the major components of net interest income and net interest margin
## Table 1 ##
(1)  Interest income and rates on loans include loan fees.
Additionally, $1.1 billion and $1.2 billion of average nonaccrual loans were included in the average loan balances used to determine the average yield on loans for December 2015 and 2014, respectively.
(2)  Balances are net of certain short-term receivables associated with reverse repurchase agreements.
Interest expense includes the full cost of the repurchase agreements and certain hedging costs.
The rate on federal funds purchased is elevated due to the impact from pay-fixed interest rate swaps that ran off in 2016.
See “—Analysis of Financial Condition — Derivatives” for further information.
(3) The rate on other short-term borrowed funds is elevated due to the impact from pay-fixed interest rate swaps.
See “—Analysis of Financial Condition — Derivatives” for further informatio
property is placed in service and the remaining 50 percent deducted under normal depreciation rules.
The acceleration of deductions on 2010 capital expenditures resulting from the bonus depreciation provision had no impact on our effective tax rate.
However, the ability to accelerate depreciation deductions did decrease our 2010 cash taxes by $60 million.
Taking the accelerated tax depreciation will result in increased cash taxes in future periods when the accelerated deductions for these capital expenditures would have otherwise been taken.
In addition, new tax law signed on December 17, 2010 includes an extension of the bonus depreciation allowance through the end of 2011, and increases the amount of qualifying capital expenditures that can be depreciated immediately from 50 percent to 100 percent.
The 100 percent depreciation deduction applies to qualifying property placed in service between September 8, 2010 and December 31, 2011.
The passage of the extension of bonus depreciation is estimated to decrease our 2011 cash taxes by approximately $190 million.
The cash tax benefit realized in 2011 will result in increased cash taxes in future periods when the deduction for these capital expenditures would have otherwise been realized.
Noncontrolling Interests Net income attributable to noncontrolling interests was $49 million in 2010, $66 million in 2009 and $41 million in 2008.
In each period, these amounts have been principally related to third parties’ equity interests in two limited liability companies that own three waste-to-energy facilities operated by our Wheelabrator Group.
However the comparison of these amounts for the reported periods has been affected by (i) our January 2010 acquisition of a controlling financial interest in a portable self-storage business and (ii) the deconsolidation of certain capping, closure, post-closure and environmental remediation trusts as a result of our implementation of authoritative accounting guidance, effective January 1, 2010, associated with variable interest entities.
Landfill and Environmental Remediation Discussion and Analysis We owned or operated 266 solid waste and five secure hazardous waste landfills at December 31, 2010 and we owned or operated 268 solid waste and five hazardous waste landfills at December 31, 2009.
At December 31, 2010 and 2009, the expected remaining capacity, in cubic yards and tonnage of waste that can be accepted at our owned or operated landfills, is shown below (in millions):
## Table 2 ##
Based on remaining permitted airspace as of December 31, 2010 and projected annual disposal volumes, the weighted average remaining landfill life for all of our owned or operated landfills is approximately 40 years.
Many of our landfills have the potential for expanded disposal capacity beyond what is currently permitted.
We monitor the availability of permitted disposal capacity at each of our landfills and evaluate whether to pursue an expansion at a given landfill based on estimated future waste volumes and prices, remaining capacity and likelihood of obtaining an expansion permit.
We are seeking expansion permits at 33 of our landfills that meet the expansion criteria outlined in the Critical Accounting Estimates and Assumptions section above.
Although no assurances can be made that all future expansions will be permitted or permitted as designed, the weighted average remaining landfill life for all owned or operated landfills is approximately 45 years when considering remaining permitted airspace, expansion airspace and projected annual disposal volume.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td>Weighted AverageUseful Life (years)</td></tr><tr><td>Purchased technology</td><td>6</td></tr><tr><td>Customer contracts and relationships</td><td>10</td></tr><tr><td>Trademarks</td><td>8</td></tr><tr><td>Acquired rights to use technology</td><td>8</td></tr><tr><td>Localization</td><td>1</td></tr><tr><td>Other intangibles</td><td>3</td></tr></table>
<table><tr><td rowspan="2"></td><td colspan="6">Year Ended December 31,</td><td colspan="2"></td></tr><tr><td colspan="3">2015</td><td colspan="3">2014</td><td colspan="2">Change</td></tr><tr><td>(dollars in millions)</td><td>AverageBalances</td><td>Income/Expense</td><td>Yields/Rates</td><td>AverageBalances</td><td>Income/Expense</td><td>Yields/Rates</td><td>AverageBalances</td><td>Yields/Rates</td></tr><tr><td>Assets</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Interest-bearing cash and due from banks and deposits in banks</td><td>$1,746</td><td>$5</td><td>0.29%</td><td>$2,113</td><td>$5</td><td>0.22%</td><td>-$367</td><td>7 bps</td></tr><tr><td>Taxable investment securities</td><td>24,649</td><td>621</td><td>2.52</td><td>24,319</td><td>619</td><td>2.55</td><td>330</td><td>-3</td></tr><tr><td>Non-taxable investment securities</td><td>9</td><td>—</td><td>2.60</td><td>11</td><td>—</td><td>2.60</td><td>-2</td><td>—</td></tr><tr><td>Total investment securities</td><td>24,658</td><td>621</td><td>2.52</td><td>24,330</td><td>619</td><td>2.55</td><td>328</td><td>-3</td></tr><tr><td>Commercial</td><td>32,673</td><td>951</td><td>2.87</td><td>29,993</td><td>900</td><td>2.96</td><td>2,680</td><td>-9</td></tr><tr><td>Commercial real estate</td><td>8,231</td><td>211</td><td>2.53</td><td>7,158</td><td>183</td><td>2.52</td><td>1,073</td><td>1</td></tr><tr><td>Leases</td><td>3,902</td><td>97</td><td>2.50</td><td>3,776</td><td>103</td><td>2.73</td><td>126</td><td>-23</td></tr><tr><td>Total commercial</td><td>44,806</td><td>1,259</td><td>2.78</td><td>40,927</td><td>1,186</td><td>2.86</td><td>3,879</td><td>-8</td></tr><tr><td>Residential mortgages</td><td>12,338</td><td>465</td><td>3.77</td><td>10,729</td><td>425</td><td>3.96</td><td>1,609</td><td>-19</td></tr><tr><td>Home equity loans</td><td>3,025</td><td>163</td><td>5.38</td><td>3,877</td><td>205</td><td>5.29</td><td>-852</td><td>9</td></tr><tr><td>Home equity lines of credit</td><td>14,958</td><td>441</td><td>2.95</td><td>15,552</td><td>450</td><td>2.89</td><td>-594</td><td>6</td></tr><tr><td>Home equity loans serviced by others</td><td>1,117</td><td>77</td><td>6.94</td><td>1,352</td><td>91</td><td>6.75</td><td>-235</td><td>19</td></tr><tr><td>Home equity lines of credit serviced by others</td><td>453</td><td>11</td><td>2.44</td><td>609</td><td>16</td><td>2.68</td><td>-156</td><td>-24</td></tr><tr><td>Automobile</td><td>13,516</td><td>372</td><td>2.75</td><td>11,011</td><td>282</td><td>2.57</td><td>2,505</td><td>18</td></tr><tr><td>Student</td><td>3,313</td><td>167</td><td>5.03</td><td>2,148</td><td>102</td><td>4.74</td><td>1,165</td><td>29</td></tr><tr><td>Credit cards</td><td>1,621</td><td>178</td><td>10.97</td><td>1,651</td><td>167</td><td>10.14</td><td>-30</td><td>83</td></tr><tr><td>Other retail</td><td>1,003</td><td>78</td><td>7.75</td><td>1,186</td><td>88</td><td>7.43</td><td>-183</td><td>32</td></tr><tr><td>Total retail</td><td>51,344</td><td>1,952</td><td>3.80</td><td>48,115</td><td>1,826</td><td>3.80</td><td>3,229</td><td>—</td></tr><tr><td>Total loans and leases<sup>-1</sup></td><td>96,150</td><td>3,211</td><td>3.32</td><td>89,042</td><td>3,012</td><td>3.37</td><td>7,108</td><td>-5</td></tr><tr><td>Loans held for sale, at fair value</td><td>301</td><td>10</td><td>3.47</td><td>163</td><td>5</td><td>3.10</td><td>138</td><td>37</td></tr><tr><td>Other loans held for sale</td><td>95</td><td>7</td><td>7.22</td><td>539</td><td>23</td><td>4.17</td><td>-444</td><td>305</td></tr><tr><td>Interest-earning assets</td><td>122,950</td><td>3,854</td><td>3.12</td><td>116,187</td><td>3,664</td><td>3.14</td><td>6,763</td><td>-2</td></tr><tr><td>Allowance for loan and lease losses</td><td>-1,196</td><td></td><td></td><td>-1,230</td><td></td><td></td><td>34</td><td></td></tr><tr><td>Goodwill</td><td>6,876</td><td></td><td></td><td>6,876</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other noninterest-earning assets</td><td>6,440</td><td></td><td></td><td>5,791</td><td></td><td></td><td>649</td><td></td></tr><tr><td>Total noninterest-earning assets</td><td>12,120</td><td></td><td></td><td>11,437</td><td></td><td></td><td>683</td><td></td></tr><tr><td>Total assets</td><td>$135,070</td><td></td><td></td><td>$127,624</td><td></td><td></td><td>$7,446</td><td></td></tr><tr><td>Liabilities and Stockholders’ Equity</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Checking with interest</td><td>$16,666</td><td>$19</td><td>0.11%</td><td>$14,507</td><td>$12</td><td>0.08%</td><td>$2,159</td><td>3 bps</td></tr><tr><td>Money market accounts</td><td>35,401</td><td>115</td><td>0.32</td><td>31,849</td><td>75</td><td>0.23</td><td>3,552</td><td>9</td></tr><tr><td>Regular savings</td><td>8,057</td><td>2</td><td>0.03</td><td>7,730</td><td>2</td><td>0.03</td><td>327</td><td>—</td></tr><tr><td>Term deposits</td><td>12,424</td><td>101</td><td>0.82</td><td>10,317</td><td>67</td><td>0.65</td><td>2,107</td><td>17</td></tr><tr><td>Total interest-bearing deposits</td><td>72,548</td><td>237</td><td>0.33</td><td>64,403</td><td>156</td><td>0.24</td><td>8,145</td><td>9</td></tr><tr><td>Interest-bearing deposits held for sale</td><td>—</td><td>—</td><td>—</td><td>1,960</td><td>4</td><td>0.22</td><td>-1,960</td><td>-22</td></tr><tr><td>Federal funds purchased and securities sold under agreements to repurchase<sup>-2</sup></td><td>3,364</td><td>16</td><td>0.46</td><td>5,699</td><td>32</td><td>0.55</td><td>-2,335</td><td>-9</td></tr><tr><td>Other short-term borrowed funds<sup>-3</sup></td><td>5,865</td><td>67</td><td>1.13</td><td>5,640</td><td>89</td><td>1.56</td><td>225</td><td>-43</td></tr><tr><td>Long-term borrowed funds</td><td>4,479</td><td>132</td><td>2.95</td><td>1,907</td><td>82</td><td>4.25</td><td>2,572</td><td>-130</td></tr><tr><td>Total borrowed funds</td><td>13,708</td><td>215</td><td>1.56</td><td>13,246</td><td>203</td><td>1.51</td><td>462</td><td>5</td></tr><tr><td>Total interest-bearing liabilities</td><td>86,256</td><td>452</td><td>0.52</td><td>79,609</td><td>363</td><td>0.45</td><td>6,647</td><td>7</td></tr><tr><td>Demand deposits</td><td>26,606</td><td></td><td></td><td>25,739</td><td></td><td></td><td>867</td><td></td></tr><tr><td>Demand deposits held for sale</td><td>—</td><td></td><td></td><td>462</td><td></td><td></td><td>-462</td><td></td></tr><tr><td>Other liabilities</td><td>2,671</td><td></td><td></td><td>2,415</td><td></td><td></td><td>256</td><td></td></tr><tr><td>Total liabilities</td><td>115,533</td><td></td><td></td><td>108,225</td><td></td><td></td><td>7,308</td><td></td></tr><tr><td>Stockholders’ equity</td><td>19,537</td><td></td><td></td><td>19,399</td><td></td><td></td><td>138</td><td></td></tr><tr><td>Total liabilities and stockholders’ equity</td><td>$135,070</td><td></td><td></td><td>$127,624</td><td></td><td></td><td>$7,446</td><td></td></tr><tr><td>Interest rate spread</td><td></td><td></td><td>2.60</td><td></td><td></td><td>2.69</td><td></td><td>-9</td></tr><tr><td>Net interest income</td><td></td><td>$3,402</td><td></td><td></td><td>$3,301</td><td></td><td></td><td></td></tr><tr><td>Net interest margin</td><td></td><td></td><td>2.75%</td><td></td><td></td><td>2.83%</td><td></td><td>-8bps</td></tr><tr><td>Memo: Total deposits (interest-bearing and demand)</td><td>$99,154</td><td>$237</td><td>0.24%</td><td>$92,564</td><td>$160</td><td>0.17%</td><td>$6,590</td><td>7 bps</td></tr></table>
<table><tr><td></td><td colspan="3"> December 31, 2010</td><td colspan="3"> December 31, 2009</td></tr><tr><td></td><td> Remaining   Permitted   Capacity</td><td> Expansion   Capacity</td><td> Total   Capacity</td><td> Remaining   Permitted   Capacity</td><td> Expansion   Capacity</td><td> Total   Capacity</td></tr><tr><td>Remaining cubic yards</td><td>4,793</td><td>600</td><td>5,393</td><td>4,546</td><td>739</td><td>5,285</td></tr><tr><td>Remaining tonnage</td><td>4,391</td><td>603</td><td>4,994</td><td>4,075</td><td>726</td><td>4,801</td></tr></table>

Question: What is the average amount of Residential mortgages of Year Ended December 31, 2014 AverageBalances, and Remaining cubic yards of December 31, 2009 Remaining Permitted Capacity ?
Answer: 7637.5
Reasoning program: add(10729.0,4546.0), divide(#0,const_2)