higher in the fiscal 2013 period, including about $100 million for higher staffing expenses, about $60 million for higher advertising and other marketing program expenses, and about $23 million for higher share-based compensation expenses.
See “Cost of Revenue” and “Operating Expenses” later in this Item 7 for more information.
Net income from continuing operations increased 8% in fiscal 2013 compared with fiscal 2012 due to higher operating income and lower interest expense due to the repayment of debt in March 2012.
Diluted net income per share from continuing operations for fiscal 2013 increased 8% to $2.72, in line with the increase in net income compared with fiscal 2012.
Segment Results The information below is organized in accordance with our three reportable segments.
All of our segments operate primarily in the United States and sell primarily to customers in the United States.
International total net revenue was approximately 5% of consolidated total net revenue for all periods presented.
Segment operating income is segment net revenue less segment cost of revenue and operating expenses.
Segment expenses do not include certain costs, such as corporate selling and marketing, product development, and general and administrative expenses and share-based compensation expenses, which are not allocated to specific segments.
These unallocated costs totaled $890 million in fiscal 2014, $809 million in fiscal 2013, and $724 million in fiscal 2012.
Unallocated costs increased in fiscal 2014 compared with fiscal 2013 and in fiscal 2013 compared with fiscal 2012 due to increases in corporate product development and selling and marketing expenses in support of the growth of our businesses and to a lesser extent due to increases in share-based compensation expenses.
Segment expenses also do not include amortization of acquired technology, amortization of other acquired intangible assets, and goodwill and intangible asset impairment charges.
See Note 14 to the financial statements in Item 8 of this Annual Report for reconciliations of total segment operating income to consolidated operating income from continuing operations for each fiscal year presented.
We calculate revenue growth rates and segment operating margin figures using dollars in thousands.
Those results may vary slightly from figures calculated using the dollars in millions presented.
Small Business
## Table 0 ##
Service and other revenue in our Small Business segment is derived primarily from QuickBooks Online and QuickBooks Online Accountant, our hosted financial and business management offerings; QuickBooks Pro Plus, QuickBooks Premier Plus, and QuickBooks Accountant Plus, our subscription offerings; QuickBooks technical support plans; small business payroll services, including Quickbooks Online Payroll, Intuit Online Payroll, Intuit Full Service Payroll, and QuickBooks Assisted Payroll; payment processing services for small businesses; Demandforce; and QuickBase.
Product revenue in our Small Business segment is derived primarily from QuickBooks desktop software products, including QuickBooks Pro, QuickBooks Premier, QuickBooks Accountant, and QuickBooks Enterprise Solutions; QuickBooks Basic Payroll and QuickBooks Enhanced Payroll; QuickBooks Point of Sale solutions; ProAdvisor Program subscriptions for the accounting professionals who serve small businesses; and financial supplies.
As part of our connected services strategy, over the past several quarters we have been focusing Small Business segment resources on the enhancement and marketing of our QuickBooks Online and QuickBooks desktop subscription offerings.
As a result, QuickBooks desktop license units and revenue have been declining as more customers choose our hosted and subscription offerings and we expect this trend to continue.
In our payments business we have recently begun focusing resources on core offerings for QuickBooks merchants in support of our small business ecosystem approach.
Over the next few quarters we anticipate declining revenue for certain non-QuickBooks payments offerings that may slow overall revenue growth in our payments business.
Fiscal 2014 Compared with Fiscal 2013 Small Business segment total net revenue increased $196 million or 10% in fiscal 2014 compared with fiscal 2013.
Customer acquisition in our Small Business Online Ecosystem continued to drive Small Business segment revenue growth in fiscal 2014.
QuickBooks Online customers grew 40%, online payroll customers grew 25%, and active online payments customers grew 4%.
Online payments charge volume was 24% higher in fiscal 2014 compared with fiscal 2013.
Annualized recurring revenue (ARR) for our Small Business Online Ecosystem grew 34% in fiscal 2014 compared with fiscal 2013.
In our Small Business Desktop Ecosystem, revenue from QuickBooks desktop software licenses declined 9% on 10% lower unit sales while revenue from QuickBooks Enterprise Solutions grew 25% and revenue from QuickBooks Plus subscriptions grew 16% in fiscal 2014.
Revenue for certain non-core payments offerings was lower in fiscal 2014.
Small Business segment operating income as a percentage of related revenue decreased in fiscal 2014 compared with fiscal 2013.
The increase in segment revenue described above was partially offset by $73 million in higher staffing expenses due to an increase in headcount and $35 million in higher advertising and other marketing program expenses.
Fiscal 2013 Compared with Fiscal 2012 Small Business segment total net revenue increased $278 million or 16% in fiscal 2013 compared with fiscal 2012.
When adjusted to exclude revenue from Demandforce, which we acquired in May 2012, Small Business segment revenue was 12% higher in fiscal 2013.
Customer acquisition in our Small Business Online Ecosystem drove organic Small Business segment revenue growth in fiscal 2013.
QuickBooks Online customers grew 28%, online payroll customers grew 18%, and active online payments customers grew 21%.
Online payments charge volume was 37% higher in fiscal 2013 compared with fiscal 2012.
In our Small Business Desktop Ecosystem, revenue from QuickBooks desktop software licenses was flat on 6% lower unit sales while revenue from QuickBooks Enterprise Solutions grew 10% and revenue from QuickBooks Plus subscriptions more than doubled in fiscal 2013.
Small Business segment operating income as a percentage of related revenue decreased slightly in fiscal 2013 compared with fiscal 2012.
The increase in segment revenue described above was partially offset by higher segment costs and expenses that included costs and expenses for Demandforce.
Fiscal 2013 staffing expenses were about $100 million higher, driven by an increase in headcount.
Advertising and other marketing program expenses also increased.
Consumer
## Table 1 ##
Our Consumer segment includes our Consumer Tax and Consumer Ecosystem product lines.
Consumer Tax service and other revenue is derived primarily from TurboTax Online tax return preparation services and electronic tax filing services.
Consumer Tax product revenue is derived primarily from TurboTax desktop tax return preparation software.
Consumer Ecosystem product revenue is derived primarily from Quicken desktop personal finance software products.
Consumer Ecosystem service and other revenue is derived primarily from mobile and online consumer finance offerings as well as from online lead generation fees from our Mint personal finance offerings.
2.
Fair Value Measurements Fair Value Hierarchy The authoritative guidance defines fair value as the price that would be received from the sale of an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date.
When determining fair value, we consider the principal or most advantageous market for an asset or liability and assumptions that market participants would use when pricing the asset or liability.
In addition, we consider and use all valuation methods that are appropriate in estimating the fair value of an asset or liability.
The authoritative guidance establishes a fair value hierarchy that is based on the extent and level of judgment used to estimate the fair value of assets and liabilities.
In general, the authoritative guidance requires us to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.
An asset or liability’s categorization within the fair value hierarchy is based upon the lowest level of input that is significant to the measurement of its fair value.
The three levels of input defined by the authoritative guidance are as follows: ?
Level 1 uses unadjusted quoted prices that are available in active markets for identical assets or liabilities.  ?
Level 2 uses inputs other than quoted prices included in Level 1 that are either directly or indirectly observable through correlation with market data.
These include quoted prices in active markets for similar assets or liabilities: quoted prices for identical or similar assets or liabilities in markets that are not active; and inputs to valuation models or other pricing methodologies that do not require significant judgment because the inputs used in the model, such as interest rates and volatility, can be corroborated by readily observable market data for substantially the full term of the assets or liabilities.  ?
Level 3 uses one or more unobservable inputs that are supported by little or no market activity and that are significant to the determination of fair value.
Level 3 assets and liabilities include those whose fair values are determined using pricing models, discounted cash flow methodologies or similar valuation techniques and significant management judgment or estimation.
Assets and Liabilities Measured at Fair Value on a Recurring Basis The following table summarizes financial assets and financial liabilities that we measured at fair value on a recurring basis at the dates indicated, classified in accordance with the fair value hierarchy described above.
## Table 2 ##
(1) Carrying value on our balance sheets at July 31, 2014 was $499 million and at July 31, 2013 was $499 million.
See Note 9.
Table of Contents VALERO ENERGY CORPORATION AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued) Commodity Price Risk We are exposed to market risks related to the volatility in the price of crude oil, refined products (primarily gasoline and distillate), grain (primarily corn), and natural gas used in our operations.
To reduce the impact of price volatility on our results of operations and cash flows, we use commodity derivative instruments, including futures, swaps, and options.
We use the futures markets for the available liquidity, which provides greater flexibility in transacting our hedging and trading operations.
We use swaps primarily to manage our price exposure.
Our positions in commodity derivative instruments are monitored and managed on a daily basis by a risk control group to ensure compliance with our stated risk management policy that has been approved by our board of directors.
For risk management purposes, we use fair value hedges, cash flow hedges, and economic hedges.
In addition to the use of derivative instruments to manage commodity price risk, we also enter into certain commodity derivative instruments for trading purposes.
Our objective for entering into each type of hedge or trading derivative is described below.
Fair Value Hedges Fair value hedges are used to hedge price volatility in certain refining inventories and firm commitments to purchase inventories.
The level of activity for our fair value hedges is based on the level of our operating inventories, and generally represents the amount by which our inventories differ from our previous year-end LIFO inventory levels.
As of December 31, 2012, we had the following outstanding commodity derivative instruments that were entered into to hedge crude oil and refined product inventories and commodity derivative instruments related to the physical purchase of crude oil and refined products at a fixed price.
The information presents the notional volume of outstanding contracts by type of instrument and year of maturity (volumes in thousands of barrels).

Tables referenced above, in order (Table 0 first):
<table><tr><td>(Dollars in millions)</td><td>Fiscal2014</td><td>Fiscal2013</td><td>Fiscal2012</td><td>2014-2013% Change</td><td>2013-2012% Change</td></tr><tr><td>Product revenue</td><td>$851</td><td>$849</td><td>$811</td><td></td><td></td></tr><tr><td>Service and other revenue</td><td>1,402</td><td>1,208</td><td>968</td><td></td><td></td></tr><tr><td>Total segment revenue</td><td>$2,253</td><td>$2,057</td><td>$1,779</td><td>10%</td><td>16%</td></tr><tr><td>% of total revenue</td><td>50%</td><td>49%</td><td>47%</td><td></td><td></td></tr><tr><td>Segment operating income</td><td>$843</td><td>$800</td><td>$712</td><td>5%</td><td>13%</td></tr><tr><td>% of related revenue</td><td>37%</td><td>39%</td><td>40%</td><td></td><td></td></tr></table>
<table><tr><td>(Dollars in millions)</td><td>Fiscal2014</td><td>Fiscal2013</td><td>Fiscal2012</td><td>2014-2013% Change</td><td>2013-2012% Change</td></tr><tr><td>Product revenue</td><td>$309</td><td>$324</td><td>$334</td><td></td><td></td></tr><tr><td>Service and other revenue</td><td>1,522</td><td>1,384</td><td>1,307</td><td></td><td></td></tr><tr><td>Total segment revenue</td><td>$1,831</td><td>$1,708</td><td>$1,641</td><td>7%</td><td>4%</td></tr><tr><td>% of total revenue</td><td>41%</td><td>41%</td><td>43%</td><td></td><td></td></tr><tr><td>Segment operating income</td><td>$1,139</td><td>$1,035</td><td>$965</td><td>10%</td><td>7%</td></tr><tr><td>% of related revenue</td><td>62%</td><td>61%</td><td>59%</td><td></td><td></td></tr></table>
<table><tr><td></td><td colspan="4">At July 31, 2014</td><td colspan="4">At July 31, 2013</td></tr><tr><td>(In millions)</td><td>Level 1</td><td>Level 2</td><td>Level 3</td><td>TotalFair Value</td><td>Level 1</td><td>Level 2</td><td>Level 3</td><td>TotalFair Value</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>Cash equivalents, primarily money market funds</td><td>$652</td><td>$—</td><td>$—</td><td>$652</td><td>$917</td><td>$—</td><td>$—</td><td>$917</td></tr><tr><td>Available-for-sale debt securities:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Municipal bonds</td><td>—</td><td>701</td><td>—</td><td>701</td><td>—</td><td>489</td><td>—</td><td>489</td></tr><tr><td>Municipal auction rate securities</td><td>—</td><td>—</td><td>21</td><td>21</td><td>—</td><td>—</td><td>33</td><td>33</td></tr><tr><td>Corporate notes</td><td>—</td><td>466</td><td>—</td><td>466</td><td>—</td><td>269</td><td>—</td><td>269</td></tr><tr><td>U.S. agency securities</td><td>—</td><td>42</td><td>—</td><td>42</td><td>—</td><td>69</td><td>—</td><td>69</td></tr><tr><td>Available-for-sale corporate equity securities</td><td>—</td><td>—</td><td>—</td><td>—</td><td>33</td><td>—</td><td>—</td><td>33</td></tr><tr><td>Total available-for-sale securities</td><td>—</td><td>1,209</td><td>21</td><td>1,230</td><td>33</td><td>827</td><td>33</td><td>893</td></tr><tr><td>Total assets measured at fair value on a recurring basis</td><td>$652</td><td>$1,209</td><td>$21</td><td>$1,882</td><td>$950</td><td>$827</td><td>$33</td><td>$1,810</td></tr><tr><td>Liabilities:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Senior notes -1</td><td>$—</td><td>$556</td><td>$—</td><td>$556</td><td>$—</td><td>$560</td><td>$—</td><td>$560</td></tr></table>

Question: What's the average of the Cash equivalents, primarily money market funds for Assets for TotalFair Value in the years where Product revenue is greater than 840? (in million)
Answer: 784.5
Reasoning program: add(652,917), divide(#0,2)