{"pre_text": ["establishing our alll .", "based upon outstanding balances at december 31 , 2015 , the following table presents the periods when home equity lines of credit draw periods are scheduled to end .", "table 32 : home equity lines of credit 2013 draw period end in millions interest only product principal and interest product ."], "post_text": ["( a ) includes all home equity lines of credit that mature in 2016 or later , including those with borrowers where we have terminated borrowing privileges .", "( b ) includes approximately $ 40 million , $ 48 million , $ 34 million , $ 26 million and $ 534 million of home equity lines of credit with balloon payments , including those where we have terminated borrowing privileges , with draw periods scheduled to end in 2016 , 2017 , 2018 , 2019 and 2020 and thereafter , respectively .", "based upon outstanding balances , and excluding purchased impaired loans , at december 31 , 2015 , for home equity lines of credit for which the borrower can no longer draw ( e.g. , draw period has ended or borrowing privileges have been terminated ) , approximately 3% ( 3 % ) were 30-89 days past due and approximately 5% ( 5 % ) were 90 days or more past due .", "generally , when a borrower becomes 60 days past due , we terminate borrowing privileges and those privileges are not subsequently reinstated .", "at that point , we continue our collection/recovery processes , which may include loan modification resulting in a loan that is classified as a tdr .", "see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information .", "auto loan portfolio the auto loan portfolio totaled $ 11.2 billion as of december 31 , 2015 , or 5% ( 5 % ) of our total loan portfolio .", "of that total , $ 9.6 billion resides in the indirect auto portfolio , $ 1.1 billion in the direct auto portfolio , and $ .5 billion in acquired or securitized portfolios , which has been declining as no pools have been recently acquired .", "the indirect auto portfolio is the largest segment and generates auto loan applications from franchised automobile dealers .", "this business is strategically aligned with our core retail business .", "we have elected not to pursue non-prime auto lending as evidenced by an average new loan origination fico score over the last twelve months of 758 for indirect auto loans and 773 for direct auto loans .", "as of december 31 , 2015 , 0.3% ( 0.3 % ) of the portfolio was nonperforming and 0.5% ( 0.5 % ) of our auto loan portfolio was accruing past due .", "we offer both new and used automobile financing to customers through our various channels .", "the portfolio comprised 60% ( 60 % ) new vehicle loans and 40% ( 40 % ) used vehicle loans at december 31 , 2015 .", "the auto loan portfolio 2019s performance is measured monthly , including updated collateral values that are obtained monthly and updated fico scores that are obtained at least quarterly .", "for internal reporting and risk management , we analyze the portfolio by product channel and product type , and regularly evaluate default and delinquency experience .", "as part of our overall risk analysis and monitoring , we segment the portfolio by loan structure , collateral attributes , and credit metrics which include fico score , loan-to-value and term .", "oil and gas portfolio our portfolio in the oil and gas industry totaled $ 2.6 billion as of december 31 , 2015 , or 1% ( 1 % ) of our total loan portfolio and 2% ( 2 % ) of our total commercial lending portfolio .", "this portfolio comprised approximately $ 1 billion in the midstream and downstream sectors , $ .9 billion of oil services companies and $ .7 billion related to energy and production companies .", "of the oil services portfolio , approximately $ .2 billion is not asset-based or investment grade .", "our alll at december 31 , 2015 reflects the incremental impact of the continued decline in oil and gas prices .", "see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information .", "loan modifications and troubled debt restructurings consumer loan modifications we modify loans under government and pnc-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure , where appropriate .", "initially , a borrower is evaluated for a modification under a government program .", "if a borrower does not qualify under a government program , the borrower is then evaluated under a pnc program .", "our programs utilize both temporary and permanent modifications and typically reduce the interest rate , extend the term and/or defer principal .", "loans that are either temporarily or permanently modified under programs involving a change to loan terms are generally classified as tdrs .", "further , loans that have certain types of payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as tdrs .", "additional detail on tdrs is discussed below as well as in note 3 asset quality in the notes to consolidated financial statements in item 8 of this report .", "a temporary modification , with a term between 3 and 24 months , involves a change in original loan terms for a period the pnc financial services group , inc .", "2013 form 10-k 75 ."], "table": [["in millions", "interest onlyproduct", "principal andinterest product"], ["2016", "$ 1121", "$ 369"], ["2017", "2107", "538"], ["2018", "927", "734"], ["2019", "648", "576"], ["2020 and thereafter", "3321", "5758"], ["total ( a ) ( b )", "$ 8124", "$ 7975"]], "table_ori": [["In millions", "Interest OnlyProduct", "Principal andInterest Product"], ["2016", "$1,121", "$369"], ["2017", "2,107", "538"], ["2018", "927", "734"], ["2019", "648", "576"], ["2020 and thereafter", "3,321", "5,758"], ["Total (a) (b)", "$8,124", "$7,975"]]}

Question: for interest only products , what percent of the total was due in 2020 and thereafter?
Evidence:
table_5: in millions the 2020 and thereafter of interest onlyproduct is 3321 ; the 2020 and thereafter of principal andinterest product is 5758 ;
table_6: in millions the total ( a ) ( b ) of interest onlyproduct is $ 8124 ; the total ( a ) ( b ) of principal andinterest product is $ 7975 ;
Program: divide(3321, 8124)
Answer:
str_answer: 40.9%
exe_answer: 0.40879