{"pre_text": ["notes to consolidated financial statements 236 jpmorgan chase & co./2010 annual report the table below sets forth the accretable yield activity for the firm 2019s pci consumer loans for the years ended december 31 , 2010 , 2009 and ."], "post_text": ["( a ) other changes in expected cash flows may vary from period to period as the firm continues to refine its cash flow model and periodically updates model assumptions .", "for the years ended december 31 , 2010 and 2009 , other changes in expected cash flows were principally driven by changes in prepayment assumptions , as well as reclassification to the nonaccretable difference .", "such changes are expected to have an insignificant impact on the accretable yield percentage .", "the factors that most significantly affect estimates of gross cash flows expected to be collected , and accordingly the accretable yield balance , include : ( i ) changes in the benchmark interest rate indices for variable rate products such as option arm and home equity loans ; and ( ii ) changes in prepayment assump- tions .", "to date , the decrease in the accretable yield percentage has been primarily related to a decrease in interest rates on vari- able-rate loans and , to a lesser extent , extended loan liquida- tion periods .", "certain events , such as extended loan liquidation periods , affect the timing of expected cash flows but not the amount of cash expected to be received ( i.e. , the accretable yield balance ) .", "extended loan liquidation periods reduce the accretable yield percentage because the same accretable yield balance is recognized against a higher-than-expected loan balance over a longer-than-expected period of time. ."], "table": [["year ended december 31 , ( in millions except ratios )", "year ended december 31 , 2010", "year ended december 31 , 2009", "2008"], ["balance january 1", "$ 25544", "$ 32619", "$ 2014"], ["washington mutual acquisition", "2014", "2014", "39454"], ["accretion into interest income", "-3232 ( 3232 )", "-4363 ( 4363 )", "-1292 ( 1292 )"], ["changes in interest rates on variable rate loans", "-819 ( 819 )", "-4849 ( 4849 )", "-5543 ( 5543 )"], ["other changes in expected cash flows ( a )", "-2396 ( 2396 )", "2137", "2014"], ["balance december 31", "$ 19097", "$ 25544", "$ 32619"], ["accretable yield percentage", "4.35% ( 4.35 % )", "5.14% ( 5.14 % )", "5.81% ( 5.81 % )"]], "table_ori": [["Year ended December 31,", "Total PCI"], ["(in millions, except ratios)", "2010", "2009", "2008"], ["Balance, January 1", "$25,544", "$32,619", "$—"], ["Washington Mutual acquisition", "—", "—", "39,454"], ["Accretion into interest income", "(3,232)", "(4,363)", "(1,292)"], ["Changes in interest rates on variable rate loans", "(819)", "(4,849)", "(5,543)"], ["Other changes in expected cash flows<sup>(a)</sup>", "(2,396)", "2,137", "—"], ["Balance, December 31", "$19,097", "$25,544", "$32,619"], ["Accretable yield percentage", "4.35%", "5.14%", "5.81%"]]}

Question: what was the average balance of total pci consumer loans for the years ended december 31 , 2010 and 2009?
Evidence:
table_6: year ended december 31 , ( in millions except ratios ) the balance december 31 of year ended december 31 , 2010 is $ 19097 ; the balance december 31 of year ended december 31 , 2009 is $ 25544 ; the balance december 31 of 2008 is $ 32619 ;
Program: add(19097, 25544), divide(#0, const_2)
Answer:
str_answer: 22321
exe_answer: 22320.5