{"pre_text": ["consolidated income statement review our consolidated income statement is presented in item 8 of this report .", "net income for 2008 was $ 882 million and for 2007 was $ 1.467 billion .", "total revenue for 2008 increased 7% ( 7 % ) compared with 2007 .", "we created positive operating leverage in the year-to-date comparison as total noninterest expense increased 3% ( 3 % ) in the comparison .", "net interest income and net interest margin year ended december 31 dollars in millions 2008 2007 ."], "post_text": ["changes in net interest income and margin result from the interaction of the volume and composition of interest-earning assets and related yields , interest-bearing liabilities and related rates paid , and noninterest-bearing sources of funding .", "see statistical information 2013 analysis of year-to-year changes in net interest ( unaudited ) income and average consolidated balance sheet and net interest analysis in item 8 of this report for additional information .", "the 31% ( 31 % ) increase in net interest income for 2008 compared with 2007 was favorably impacted by the $ 16.5 billion , or 17% ( 17 % ) , increase in average interest-earning assets and a decrease in funding costs .", "the 2008 net interest margin was positively affected by declining rates paid on deposits and borrowings compared with the prior year .", "the reasons driving the higher interest-earning assets in these comparisons are further discussed in the balance sheet highlights portion of the executive summary section of this item 7 .", "the net interest margin was 3.37% ( 3.37 % ) for 2008 and 3.00% ( 3.00 % ) for 2007 .", "the following factors impacted the comparison : 2022 a decrease in the rate paid on interest-bearing liabilities of 140 basis points .", "the rate paid on interest-bearing deposits , the single largest component , decreased 123 basis points .", "2022 these factors were partially offset by a 77 basis point decrease in the yield on interest-earning assets .", "the yield on loans , the single largest component , decreased 109 basis points .", "2022 in addition , the impact of noninterest-bearing sources of funding decreased 26 basis points due to lower interest rates and a lower proportion of noninterest- bearing sources of funding to interest-earning assets .", "for comparing to the broader market , during 2008 the average federal funds rate was 1.94% ( 1.94 % ) compared with 5.03% ( 5.03 % ) for 2007 .", "we expect our full-year 2009 net interest income to benefit from the impact of interest accretion of discounts resulting from purchase accounting marks and deposit pricing alignment related to our national city acquisition .", "we also currently expect our 2009 net interest margin to improve on a year-over-year basis .", "noninterest income summary noninterest income was $ 3.367 billion for 2008 and $ 3.790 billion for 2007 .", "noninterest income for 2008 included the following : 2022 gains of $ 246 million related to the mark-to-market adjustment on our blackrock ltip shares obligation , 2022 losses related to our commercial mortgage loans held for sale of $ 197 million , net of hedges , 2022 impairment and other losses related to alternative investments of $ 179 million , 2022 income from hilliard lyons totaling $ 164 million , including the first quarter gain of $ 114 million from the sale of this business , 2022 net securities losses of $ 206 million , 2022 a first quarter gain of $ 95 million related to the redemption of a portion of our visa class b common shares related to visa 2019s march 2008 initial public offering , 2022 a third quarter $ 61 million reversal of a legal contingency reserve established in connection with an acquisition due to a settlement , 2022 trading losses of $ 55 million , 2022 a $ 35 million impairment charge on commercial mortgage servicing rights , and 2022 equity management losses of $ 24 million .", "noninterest income for 2007 included the following : 2022 the impact of $ 82 million gain recognized in connection with our transfer of blackrock shares to satisfy a portion of pnc 2019s ltip obligation and a $ 209 million net loss on our ltip shares obligation , 2022 income from hilliard lyons totaling $ 227 million , 2022 trading income of $ 104 million , 2022 equity management gains of $ 102 million , and 2022 gains related to our commercial mortgage loans held for sale of $ 3 million , net of hedges .", "apart from the impact of these items , noninterest income increased $ 16 million in 2008 compared with 2007 .", "additional analysis fund servicing fees increased $ 69 million in 2008 , to $ 904 million , compared with $ 835 million in 2007 .", "the impact of the december 2007 acquisition of albridge solutions inc .", "( 201calbridge solutions 201d ) and growth in global investment servicing 2019s offshore operations were the primary drivers of this increase .", "global investment servicing provided fund accounting/ administration services for $ 839 billion of net fund investment assets and provided custody services for $ 379 billion of fund ."], "table": [["year ended december 31 dollars in millions", "2008", "2007"], ["net interest income", "$ 3823", "$ 2915"], ["net interest margin", "3.37% ( 3.37 % )", "3.00% ( 3.00 % )"]], "table_ori": [["Year ended December 31  Dollars in millions", "2008", "2007"], ["Net interest income", "$3,823", "$2,915"], ["Net interest margin", "3.37%", "3.00%"]]}

Question: what was the average net interest margin for 2008 and for 2007?
Evidence:
text_10: the net interest margin was 3.37% ( 3.37 % ) for 2008 and 3.00% ( 3.00 % ) for 2007 .
Program: add(3.37, 3.00), divide(#0, const_2)
Answer:
str_answer: 3.2%
exe_answer: 3.185