Estimated intangible amortization expense as of December 31, 2008, for the next five years was as follows:
## Table 0 ##
10.
Reinsurance Generally, the Company reinsures 90% of the death benefit liability related to individual fixed and variable universal life and term life insurance products.
As a result, the Company typically retains and is at risk for, at most, 10% of each policy’s death benefit from the first dollar of coverage for new sales of these policies, subject to the reinsurers fulfilling their obligations.
The Company began reinsuring risks at this level beginning in 2001 for term life insurance and 2002 for individual fixed and variable universal life insurance.
Policies issued prior to these dates are not subject to these same reinsurance levels.
Generally, the maximum amount of life insurance risk retained by the Company is $1.5 million (increased from $750,000 during 2008) on a single life and $1.5 million on any flexible premium survivorship life policy.
Risk on fixed and variable universal life policies is reinsured on a yearly renewable term basis.
Risk on most term life policies starting in 2001 is reinsured on a coinsurance basis, a type of reinsurance in which the reinsurer participates proportionally in all material risks and premiums associated with a policy.
For existing long term care policies, RiverSource Life (and RiverSource Life of NY for 1996 and later issues) retained 50% of the risk and ceded the remaining 50% of the risk on a coinsurance basis to a subsidiary of Genworth Financial, Inc.  (‘‘Genworth’’).
In addition, the Company assumes life insurance and fixed annuity risk under reinsurance arrangements with unaffiliated insurance companies.
Generally, the Company retains at most $5,000 per month of risk per life on disability income policies sold on policy forms introduced in October 2007 in most states and reinsures the remainder of the risk on a coinsurance basis with unaffiliated reinsurance companies.
The Company retains all risk for new claims on disability income contracts sold on other policy forms.
The Company also retains all risk on accidental death benefit claims and substantially all risk associated with waiver of premium provisions.
The Company also reinsures a portion of the risks associated with its personal auto and home insurance products through two types of reinsurance agreements with unaffiliated reinsurance companies.
The Company purchases reinsurance with a limit of $4.6 million per loss and the Company retains $400,000 per loss.
The Company purchases catastrophe reinsurance and retains $10 million of loss per event with loss recovery up to $80 million per event.
The effect of reinsurance on premiums was as follows:
## Table 1 ##
Cost of insurance and administrative charges on universal and variable universal life insurance are reflected in other revenues and were $672 million, $519 million and $477 million for the years ended December 31, 2008, 2007 and 2006, respectively.
These amounts were net of reinsurance ceded of $61 million, $57 million and $55 million for the years ended December 31, 2008, 2007 and 2006, respectively.
Reinsurance recovered from reinsurers was $151 million, $130 million and $129 million for the years ended December 31, 2008, 2007 and 2006, respectively.
Reinsurance contracts do not relieve the Company from its primary obligation to policyholders.
Receivables included $1.6 billion and $1.3 billion of reinsurance recoverables as of December 31, 2008 and 2007, respectively, including $1.2 billion and $1.0 billion recoverable from Genworth, respectively.
Included in future policy benefits
Ameriprise Advisor Group Deferred Compensation Plan The Advisor Group Deferral Plan, which was created in April 2009, allows for employee advisors to receive share-based bonus awards which are subject to future service requirements and forfeitures.
The Advisor Group Deferral Plan is an unfunded non-qualified deferred compensation plan under section 409A of the Internal Revenue Code.
The Advisor Group Deferral Plan also gives qualifying employee advisors the choice to defer a portion of their base salary or commissions.
This deferral can be in the form of Ameriprise Financial stock or other investment options.
Deferrals are not subject to future service requirements or forfeitures.
Under the Advisor Group Deferral Plan, a maximum of 3.0 million shares may be issued.
Awards granted under the Advisor Group Deferral Plan may be settled in cash and/or shares of the Company’s common stock according to the award’s terms.
Share units receive dividend equivalents, as dividends are declared by the Company’s Board of Directors, until distribution and are subject to forfeiture until vested.
Full Value Share Award Activity A summary of activity for the Company’s restricted stock awards, restricted stock units granted to employees (including advisors), compensation deferrals into stock and deferred share units for 2015 is presented below (shares in millions):
## Table 2 ##
The deferred shares in the table above primarily relate to franchise advisor voluntary deferrals of their commissions into Ameriprise Financial stock under the Franchise Advisor Deferral Plan that are fully vested at the deferral date.
The fair value of full value share awards vested during the years ended December 31, 2015, 2014 and 2013 was $133 million, $259 million and $120 million, respectively.
The weighted average grant date fair value for restricted shares, restricted stock units and deferred share units during 2015, 2014 and 2013 was $128.43, $109.60 and $68.90, respectively.
The weighted average grant date fair value for franchise advisor and advisor group deferrals during 2015, 2014 and 2013 was $123.88, $114.69 and $80.77, respectively.
Performance Share Units Under the 2005 ICP, the Company’s Executive Leadership Team may be awarded a target number of performance share units (‘‘PSUs’’).
PSUs will be earned only to the extent that the Company attains certain goals relating to the Company’s performance and relative total shareholder returns against peers over a three-year period.
The awards also have a three-year service condition with cliff vesting with an accelerated service condition based on age and length of service.
The actual number of PSUs ultimately earned could vary from zero, if performance goals are not met, to as much as 200% of the target, if performance goals are significantly exceeded.
The value of each target PSU is equal to the value of one share of Ameriprise common stock.
The total amount of target PSUs outstanding at the end of December 31, 2015, 2014 and 2013 was 0.2 million, 0.2 million, 0.3 million, respectively.
The PSUs are liability awards.
During the years ended December 31, 2015 and 2014, the value of shares settled for PSU awards was $27 million and $20 million, respectively.
There were no settlements made for PSU awards for the years ended December 31, 2013.
Threadneedle Equity Incentive Plan Prior to 2012, certain key Threadneedle employees were eligible for awards under the EIP based on a formula tied to Threadneedle’s financial performance.
Awards under the EIP were first made in April 2009; prior awards were made under the equity participation plan (‘‘EPP’’).
In 2011, Threadneedle’s articles of incorporation were amended to create a new class of Threadneedle corporate units to be granted under a modified EIP plan.
Employees who held EIP units granted prior to 2011 were given the choice to exchange their existing units at the exchange date.
EIP awards may be settled in cash or Threadneedle corporate units according to the award’s terms.
For awards granted prior to 2011, the EIP provides for 100% vesting after three years, with a mandatory call after six years.
For converted units and awards granted after February 2011, the EIP provides for 100% vesting after two and a half years, with no mandatory call date.
Converted units and units granted after February 2011 have dividend rights once fully vested.
The EPP provides for 50% vesting after three years and 50% vesting after four years, with required cash-out after five years.
EIP and EPP awards are subject to forfeitures based on future service requirements.
The EIP awards were no longer awarded after 2012 and instead Threadneedle employees received awards under the 2005 ICP
Annuities The following table presents the results of operations of our Annuities segment on an operating basis:
## Table 3 ##
Our Annuities segment pretax operating income, which excludes net realized investment gains or losses (net of the related DSIC and DAC amortization) and the market impact on variable annuity guaranteed benefits (net of hedges and the related DSIC and DAC amortization), increased $17 million, or 3%, to $650 million for the year ended December 31, 2015 compared to $633 million for the prior year primarily due to the impact of unlocking, partially offset by the impact on DAC and DSIC from actual versus expected market performance, the negative impact from fixed annuity net outflows and a $44 million benefit in the prior year from policyholder movement of investments in Portfolio Navigator funds under certain in force variable annuities with living benefit guarantees to the Portfolio Stabilizer funds compared to a $6 million benefit in the current year.
The impact of unlocking was an increase to pretax operating income of $66 million for the year ended December 31, 2015 compared to a decrease of $22 million for the prior year.
The impact on DAC and DSIC from actual versus expected market performance based on our view of bond and equity performance was an expense of $18 million for the year ended December 31, 2015 reflecting unfavorable equity market returns compared to a benefit of $24 million for the prior year reflecting favorable equity market returns and bond fund returns.
RiverSource variable annuity account balances decreased $2.7 billion, or 4%, to $74.2 billion at December 31, 2015 compared to the prior year due to net outflows of $1.2 billion and market depreciation.
RiverSource fixed annuity account balances declined $1.5 billion, or 12%, to $10.7 billion at December 31, 2015 compared to the prior year reflecting limited new sales from low interest rates and higher lapse rates as a portion of the five-year guarantee block that was re-priced during 2014 came out of its surrender charge period earlier in 2015.
Given the current interest rate environment, our fixed annuity book is expected to gradually run off and earnings on our fixed annuity business will trend down.
Net Revenues Net revenues, which exclude net realized investment gains or losses, decreased $50 million, or 2%, to $2.5 billion for the year ended December 31, 2015 compared to $2.6 billion for the prior year primarily due to lower net investment income, partially offset by an increase in other revenues.
Net investment income, which excludes net realized investment gains or losses, decreased $93 million, or 10%, to $848 million for the year ended December 31, 2015 compared to $941 million for the prior year primarily reflecting lower invested assets due to fixed annuity net outflows.
Other revenues increased $42 million, or 10%, to $467 million for the year ended December 31, 2015 compared to $425 million for the prior year due to higher fees from variable annuity guarantee sales in the prior year where the fees start on the first anniversary date and higher average fee rates.
Entergy New Orleans, Inc.  Management's Financial Discussion and Analysis 346 (1) Includes approximately $30 million annually for maintenance capital, which is planned spending on routine capital projects that are necessary to support reliability of service, equipment or systems and to support normal customer growth.
(2) Purchase obligations represent the minimum purchase obligation or cancellation charge for contractual obligations to purchase goods or services.
For Entergy New Orleans, almost all of the total consists of unconditional fuel and purchased power obligations, including its obligations under the Unit Power Sales Agreement, which is discussed in Note 8 to the financial statements.
In addition to the contractual obligations given above, Entergy New Orleans expects to make payments of approximately $113 million for the years 2009-2011 related to Hurricane Katrina and Hurricane Gustav restoration work and its gas rebuild project, of which $32 million is expected to be incurred in 2009.
Also, Entergy New Orleans expects to contribute $1.7 million to its pension plan and $5.9 million to its other postretirement plans in 2009.
Guidance pursuant to the Pension Protection Act of 2006 rules, effective for the 2008 plan year and beyond, may affect the level of Entergy New Orleans' pension contributions in the future.
Also in addition to the contractual obligations, Entergy New Orleans has $26.1 million of unrecognized tax benefits and interest for which the timing of payments beyond 12 months cannot be reasonably estimated due to uncertainties in the timing of effective settlement of tax positions.
See Note 3 to the financial statements for additional information regarding unrecognized tax benefits.
The planned capital investment estimate for Entergy New Orleans reflects capital required to support existing business.
The estimated capital expenditures are subject to periodic review and modification and may vary based on the ongoing effects of regulatory constraints, environmental compliance, market volatility, economic trends, and the ability to access capital.
Management provides more information on long-term debt and preferred stock maturities in Notes 5 and 6 and to the financial statements.
Sources of Capital Entergy New Orleans' sources to meet its capital requirements include: x internally generated funds; x cash on hand; and x debt and preferred stock issuances.
Entergy New Orleans' receivables from or (payables to) the money pool were as follows as of December 31 for each of the following years:

<table><tr><td> </td><td> (in millions)</td></tr><tr><td>2009</td><td>$29</td></tr><tr><td>2010</td><td>28</td></tr><tr><td>2011</td><td>26</td></tr><tr><td>2012</td><td>26</td></tr><tr><td>2013</td><td>13</td></tr></table>
<table><tr><td></td><td colspan="3">Years Ended December 31,</td></tr><tr><td></td><td>2008</td><td>2007</td><td>2006</td></tr><tr><td></td><td colspan="3">(in millions)</td></tr><tr><td>Direct premiums</td><td>$1,253</td><td>$1,211</td><td>$1,194</td></tr><tr><td>Reinsurance assumed</td><td>2</td><td>2</td><td>3</td></tr><tr><td>Reinsurance ceded</td><td>-164</td><td>-150</td><td>-127</td></tr><tr><td>Net premiums</td><td>$1,091</td><td>$1,063</td><td>$1,070</td></tr></table>
<table><tr><td></td><td>Shares</td><td>Weighted Average Grant-date Fair Value</td></tr><tr><td>Non-vested shares at January 1</td><td>1.4</td><td>$80.68</td></tr><tr><td>Granted</td><td>0.6</td><td>129.07</td></tr><tr><td>Deferred</td><td>0.3</td><td>121.17</td></tr><tr><td>Vested</td><td>-1.0</td><td>95.76</td></tr><tr><td>Forfeited</td><td>—</td><td>101.84</td></tr><tr><td>Non-vested shares at December 31</td><td>1.3</td><td>103.01</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2015</td><td>2014</td><td colspan="2">Change</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td>Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$755</td><td>$756</td><td>$-1</td><td>—%</td></tr><tr><td>Distribution fees</td><td>364</td><td>360</td><td>4</td><td>1</td></tr><tr><td>Net investment income</td><td>848</td><td>941</td><td>-93</td><td>-10</td></tr><tr><td>Premiums</td><td>107</td><td>109</td><td>-2</td><td>-2</td></tr><tr><td>Other revenues</td><td>467</td><td>425</td><td>42</td><td>10</td></tr><tr><td>Total revenues</td><td>2,541</td><td>2,591</td><td>-50</td><td>-2</td></tr><tr><td>Banking and deposit interest expense</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total net revenues</td><td>2,541</td><td>2,591</td><td>-50</td><td>-2</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>446</td><td>439</td><td>7</td><td>2</td></tr><tr><td>Interest credited to fixed accounts</td><td>500</td><td>556</td><td>-56</td><td>-10</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>482</td><td>463</td><td>19</td><td>4</td></tr><tr><td>Amortization of deferred acquisition costs</td><td>205</td><td>235</td><td>-30</td><td>-13</td></tr><tr><td>Interest and debt expense</td><td>38</td><td>38</td><td>—</td><td>—</td></tr><tr><td>General and administrative expense</td><td>220</td><td>227</td><td>-7</td><td>-3</td></tr><tr><td>Total expenses</td><td>1,891</td><td>1,958</td><td>-67</td><td>-3</td></tr><tr><td>Operating earnings</td><td>$650</td><td>$633</td><td>$17</td><td>3%</td></tr></table>

Question: What is the difference between the greatest Net investment income in 2014 and 2015？ (in million)
Answer: 93