{"pre_text": ["jpmorgan chase & co./2015 annual report 73 in advisory fees was driven by the combined impact of a greater share of fees for completed transactions , and growth in industry-wide fees .", "the increase in equity underwriting fees was driven by higher industry-wide issuance .", "the decrease in debt underwriting fees was primarily related to lower bond underwriting fees compared with the prior year , and lower loan syndication fees on lower industry-wide fees .", "principal transactions revenue increased as the prior year included a $ 1.5 billion loss related to the implementation of the funding valuation adjustment ( 201cfva 201d ) framework for over-the-counter ( 201cotc 201d ) derivatives and structured notes .", "private equity gains increased as a result of higher net gains on sales .", "these increases were partially offset by lower fixed income markets revenue in cib , primarily driven by credit-related and rates products , as well as the impact of business simplification initiatives .", "lending- and deposit-related fees decreased compared with the prior year , reflecting the impact of business simplification initiatives and lower trade finance revenue in cib .", "asset management , administration and commissions revenue increased compared with the prior year , reflecting higher asset management fees driven by net client inflows and higher market levels in am and ccb .", "the increase was offset partially by lower commissions and other fee revenue in ccb as a result of the exit of a non-core product in 2013 .", "securities gains decreased compared with the prior year , reflecting lower repositioning activity related to the firm 2019s investment securities portfolio .", "mortgage fees and related income decreased compared with the prior year , predominantly due to lower net production revenue driven by lower volumes due to higher mortgage interest rates , and tighter margins .", "the decline in net production revenue was partially offset by a lower loss on the risk management of mortgage servicing rights ( 201cmsrs 201d ) .", "card income was relatively flat compared with the prior year , but included higher net interchange income due to growth in credit and debit card sales volume , offset by higher amortization of new account origination costs .", "other income decreased from the prior year , predominantly from the absence of two significant items recorded in corporate in 2013 : gains of $ 1.3 billion and $ 493 million from sales of visa shares and one chase manhattan plaza , respectively .", "lower valuations of seed capital investments in am and losses related to the exit of non-core portfolios in card also contributed to the decrease .", "these items were partially offset by higher auto lease income as a result of growth in auto lease volume , and a benefit from a tax settlement .", "net interest income increased slightly from the prior year , predominantly reflecting higher yields on investment securities , the impact of lower interest expense from lower rates , and higher average loan balances .", "the increase was partially offset by lower yields on loans due to the run-off of higher-yielding loans and new originations of lower-yielding loans , and lower average interest-earning trading asset balances .", "the firm 2019s average interest-earning assets were $ 2.0 trillion , and the net interest yield on these assets , on a fte basis , was 2.18% ( 2.18 % ) , a decrease of 5 basis points from the prior year .", "provision for credit losses year ended december 31 ."], "post_text": ["2015 compared with 2014 the provision for credit losses increased from the prior year as a result of an increase in the wholesale provision , largely reflecting the impact of downgrades in the oil & gas portfolio .", "the increase was partially offset by a decrease in the consumer provision , reflecting lower net charge-offs due to continued discipline in credit underwriting , as well as improvement in the economy driven by increasing home prices and lower unemployment levels .", "the increase was partially offset by a lower reduction in the allowance for loan losses .", "for a more detailed discussion of the credit portfolio and the allowance for credit losses , see the segment discussions of ccb on pages 85 201393 , cb on pages 99 2013101 , and the allowance for credit losses on pages 130 2013132 .", "2014 compared with 2013 the provision for credit losses increased by $ 2.9 billion from the prior year as result of a lower benefit from reductions in the consumer allowance for loan losses , partially offset by lower net charge-offs .", "the consumer allowance reduction in 2014 was primarily related to the consumer , excluding credit card , portfolio and reflected the continued improvement in home prices and delinquencies in the residential real estate portfolio .", "the wholesale provision reflected a continued favorable credit environment. ."], "table": [["( in millions )", "2015", "2014", "2013"], ["consumer excluding credit card", "$ -81 ( 81 )", "$ 419", "$ -1871 ( 1871 )"], ["credit card", "3122", "3079", "2179"], ["total consumer", "3041", "3498", "308"], ["wholesale", "786", "-359 ( 359 )", "-83 ( 83 )"], ["total provision for credit losses", "$ 3827", "$ 3139", "$ 225"]], "table_ori": [["(in millions)", "2015", "2014", "2013"], ["Consumer, excluding credit card", "$(81)", "$419", "$(1,871)"], ["Credit card", "3,122", "3,079", "2,179"], ["Total consumer", "3,041", "3,498", "308"], ["Wholesale", "786", "(359)", "(83)"], ["Total provision for credit losses", "$3,827", "$3,139", "$225"]]}

Question: without the wholesale provision in 2015 , what would the total loan loss provision have been?
Evidence:
table_4: ( in millions ) the wholesale of 2015 is 786 ; the wholesale of 2014 is -359 ( 359 ) ; the wholesale of 2013 is -83 ( 83 ) ;
table_5: ( in millions ) the total provision for credit losses of 2015 is $ 3827 ; the total provision for credit losses of 2014 is $ 3139 ; the total provision for credit losses of 2013 is $ 225 ;
Program: subtract(3827, 786)
Answer:
str_answer: 3041
exe_answer: 3041