increased revenue.
These increases were offset by cost reductions and $22 million in CRT settlement legal fees incurred in the first quarter of fiscal 2017 that did not recur in fiscal 2018.
Our Domestic segment incurred $9 million of restructuring charges in fiscal 2018 and $31 million of restructuring charges in fiscal 2017.
The restructuring charges in fiscal 2018 related to the Best Buy Mobile plan that began in the fourth quarter of fiscal 2018, whereas the charges in fiscal 2017 related primarily to the Renew Blue Phase 2 plan that began in the first quarter of fiscal 2017.
Refer to Note 4, Restructuring Charges, of the Notes to Consolidated Financial Statements, included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K for further information about our restructuring activities.
Our Domestic segment’s operating income decreased $12 million in fiscal 2018 compared to fiscal 2017.
In addition, the operating income rate decreased to 4.5% of revenue in fiscal 2018 compared to 4.9% of revenue in the prior year.
The decrease was primarily driven by the gross profit rate decline and increase in SG&A described above.
Fiscal 2017 Results Compared With Fiscal 2016 Domestic segment revenue of $36.2 billion in fiscal 2017 decreased 0.3% compared to the prior year.
The components of the 0.3% revenue decrease in the Domestic segment in fiscal 2017 were as follows:
## Table 0 ##
(1) Non-comparable sales reflects the impact of net store opening and closing activity, as well as the impact of revenue streams not included within our comparable sales calculation, such as profit share revenue, credit card revenue, gift card breakage, commercial sales and sales of merchandise to wholesalers and dealers.
The net store changes did not have a material impact on our revenue in fiscal 2017, as the majority of closures related to our small-format Best Buy Mobile stand-alone stores.
The closing of small-format Best Buy Mobile stores have a significantly smaller impact given their smaller size and limited category focus compared to our large-format stores.
The profit-share revenue included in our non-comparable sales relates to our extended warranty protection plans that are managed by a third-party underwriter.
We may be eligible to receive profit-sharing payments, depending on the performance of the portfolio.
When performance of the portfolio is strong and the claims cost to the third-party underwriter declines, we are entitled to share in the excess premiums.
In fiscal 2017, we recognized $110 million of such profit-share revenue, with an equal impact to gross profit and operating income.
In fiscal 2016, we recognized $148 million of such profit-share revenue.
The fiscal 2017 profit-share revenue decrease from fiscal 2016 reflects reductions to the premiums that we pay to the third-party underwriter.
In light of the continued impact of these lower premiums, we expect the profit-share payments to continue to decrease in future periods.
In fiscal 2017, Domestic segment online revenue of $4.8 billion increased 20.8% on a comparable basis, primarily due to higher conversion rates and increased traffic.
As a percentage of total Domestic revenue, online revenue increased to 13.4% versus 11.0% in fiscal 2016.
The following table presents the Domestic segment's revenue mix percentages and comparable sales percentage changes by revenue category in fiscal 2017 and 2016:
## Table 1 ##
Table 20: Pro forma Transitional Basel III Tier 1 Common Capital Ratio
## Table 2 ##
(a) Represents net adjustments related to accumulated other comprehensive income for available for sale securities and pension and other postretirement benefit plans.
PNC utilizes these fully implemented and transitional Basel III capital ratios to assess its capital position, including comparison to similar estimates made by other financial institutions.
These Basel III capital estimates are likely to be impacted by any additional regulatory guidance, continued analysis by PNC as to the application of the rules to PNC, and in the case of ratios calculated using the advanced approaches, the ongoing evolution, validation and regulatory approval of PNC’s models integral to the calculation of advanced approaches risk-weighted assets.
The access to and cost of funding for new business initiatives, the ability to undertake new business initiatives including acquisitions, the ability to engage in expanded business activities, the ability to pay dividends or repurchase shares or other capital instruments, the level of deposit insurance costs, and the level and nature of regulatory oversight depend, in large part, on a financial institution’s capital strength.
We provide additional information regarding enhanced capital requirements and some of their potential impacts on PNC in Item 1 Business – Supervision and Regulation, Item 1A Risk Factors and Note 22 Regulatory Matters in the Notes To Consolidated Financial Statements in Item 8 of this Report.
OFF-BALANCE SHEET ARRANGEMENTS AND VARIABLE INTEREST ENTITIES We engage in a variety of activities that involve unconsolidated entities or that are otherwise not reflected in our Consolidated Balance Sheet that are generally referred to as “off-balance sheet arrangements.
” Additional information on these types of activities is included in the following sections of this Report: ?
Commitments, including contractual obligations and other commitments, included within the Risk Management section of this Item 7, ?
Note 3 Loan Sale and Servicing Activities and Variable Interest Entities in the Notes To Consolidated Financial Statements included in Item 8 of this Report, ?
Note 14 Capital Securities of Subsidiary Trusts and Perpetual Trust Securities in the Notes To Consolidated Financial Statements included in Item 8 of this Report, and ?
Note 24 Commitments and Guarantees in the Notes To Consolidated Financial Statements included in Item 8 of this Report.
PNC consolidates variable interest entities (VIEs) when we are deemed to be the primary beneficiary.
The primary beneficiary of a VIE is determined to be the party that meets both of the following criteria: (i) has the power to make decisions that most significantly affect the economic performance of the VIE; and (ii) has the obligation to absorb losses or the right to receive benefits that in either case could potentially be significant to the VIE.
A summary of VIEs, including those that we have consolidated and those in which we hold variable interests but have not consolidated into our financial statements, as of December 31, 2013 and December 31, 2012 is included in Note 3 in the Notes To Consolidated Financial Statements included in Item 8 of this Report.
TRUST PREFERRED SECURITIES AND REIT PREFERRED SECURITIES We are subject to certain restrictions, including restrictions on dividend payments, in connection with $206 million in principal amount of an outstanding junior subordinated debenture associated with $200 million of trust preferred securities (both amounts as of December 31, 2013) that were issued by PNC Capital Trust C, a subsidiary statutory trust.
Generally, if there is (i) an event of default under the debenture, (ii) PNC elects to defer interest on the debenture, (iii) PNC exercises its right to defer payments on the related trust preferred security issued by the statutory trust, or (iv) there is a default under PNC’s guarantee of such payment obligations, as specified in the applicable governing documents, then PNC would be subject during the period of such default or deferral to restrictions on dividends and other provisions protecting the status of the debenture holders similar to or in some ways more restrictive than those potentially imposed under the Exchange Agreement with PNC Preferred Funding Trust II.
See Note 14 Capital Securities of Subsidiary Trusts and Perpetual Trust Securities in the Notes To Consolidated Financial Statements in Item 8 of this Report for additional information on contractual limitations on dividend payments resulting from securities issued by PNC Preferred Funding Trust I and PNC Preferred Funding Trust II.
See the Liquidity Risk Management portion of the Risk Management section of this Item 7 for additional information regarding our first quarter 2013 redemption of the REIT Preferred Securities issued by PNC Preferred Funding Trust III and additional discussion of redemptions of trust preferred securities.
Provision for Credit Losses The provision for credit losses was $408 million in 2018 compared to $441 million in 2017, reflecting a lower provision for commercial loans, partially offset by a higher provision for consumer loans.
The Credit Risk Management portion of the Risk Management section of this Item 7 includes additional information regarding factors impacting the provision for credit losses.
Noninterest Expense Table 3: Noninterest Expense
## Table 3 ##
Noninterest expense decreased in 2018 compared to 2017 as ongoing business investments, including technology and staffing, and higher levels of business activity were more than offset by the $502 million impact of certain fourth quarter 2017 items described in the next paragraph.
Higher personnel expense reflected higher staffing levels, an increase in the minimum hourly pay rate for eligible employees, enhanced employee benefits and higher variable compensation related to revenue growth, partially offset by the fourth quarter 2017 impact of $105 million for employee cash payments and pension account credits.
Marketing expense was higher in support of business expansion.
The decline in other noninterest expense reflected the fourth quarter 2017 impact of a $200 million contribution of BlackRock common stock to the PNC Foundation.
Additionally, fourth quarter 2017 included $197 million of charges for real estate dispositions and exits, which were primarily within other noninterest expense.
During 2018, we completed actions and achieved our 2018 continuous improvement program savings goal of $250 million, which funded a portion of our strategic investments.
In 2019, we have a goal of $300 million in cost savings through our continuous improvement program, which we expect will continue to partially fund our ongoing business investments.
Effective Income Tax Rate The effective income tax rate was 16.8% for 2018 compared with 1.9% for 2017.
In the fourth quarter of 2017, an income tax benefit of $1.2 billion was recognized as a result of federal tax legislation and was primarily attributable to the revaluation of net deferred tax liabilities at the lower statutory tax rate of 21%, which became effective January 1, 2018.
For additional information on our accounting related to the new federal tax legislation, see Note 17 Income Taxes in the Notes To Consolidated Financial Statements included in Item 8 of this Report.
The effective tax rate is generally lower than the statutory rate primarily due to tax credits we receive from our investments in low income housing and new markets investments, as well as earnings on other tax exempt investments.
Additional information regarding our effective tax rate is included in the Reconciliation of Statutory and Effective Tax Rates table in Note 17 Income Taxes in Item 8 of this Report.

<table><tr><td>Comparable sales impact</td><td>0.2%</td></tr><tr><td>Non-comparable sales<sup>-1</sup></td><td>-0.5%</td></tr><tr><td>Total revenue decrease</td><td>-0.3%</td></tr></table>
<table><tr><td></td><td colspan="2">Revenue Mix Summary Year Ended</td><td colspan="2">Comparable Sales Summary Year Ended</td></tr><tr><td></td><td>January 28, 2017</td><td>January 30, 2016</td><td>January 28, 2017</td><td>January 30, 2016</td></tr><tr><td>Consumer Electronics</td><td>34%</td><td>32%</td><td>5.0%</td><td>4.7%</td></tr><tr><td>Computing and Mobile Phones</td><td>45%</td><td>46%</td><td>-1.8%</td><td>-2.6%</td></tr><tr><td>Entertainment</td><td>7%</td><td>8%</td><td>-13.8%</td><td>-3.6%</td></tr><tr><td>Appliances</td><td>9%</td><td>8%</td><td>7.8%</td><td>15.4%</td></tr><tr><td>Services</td><td>5%</td><td>5%</td><td>-3.3%</td><td>-11.6%</td></tr><tr><td>Other</td><td>—%</td><td>1%</td><td>n/a</td><td>n/a</td></tr><tr><td>Total</td><td>100%</td><td>100%</td><td>0.2%</td><td>0.5%</td></tr></table>
<table><tr><td>Dollars in millions</td><td>December 31 2013</td></tr><tr><td>Basel I Tier 1 common capital</td><td>$28,484</td></tr><tr><td>Less phased-in regulatory capital adjustments:</td><td></td></tr><tr><td>Basel III quantitative limits</td><td>-228</td></tr><tr><td>Accumulated other comprehensive income (a)</td><td>39</td></tr><tr><td>Other intangibles</td><td>381</td></tr><tr><td>All other adjustments</td><td>210</td></tr><tr><td>Estimated Basel III Transitional Tier 1 common capital (with 2014 phase-ins)</td><td>$28,886</td></tr><tr><td>Basel I risk-weighted assets calculated as applicable for 2014</td><td>272,321</td></tr><tr><td>Pro forma Basel III Transitional Tier 1 common capital ratio (with 2014phase-ins)</td><td>10.6%</td></tr></table>
<table><tr><td>Year ended December 31</td><td></td><td></td><td colspan="2">Change</td></tr><tr><td>Dollars in millions</td><td>2018</td><td>2017</td><td>$</td><td>%</td></tr><tr><td>Noninterest expense</td><td></td><td></td><td></td><td></td></tr><tr><td>Personnel</td><td>$5,471</td><td>$5,268</td><td>$203</td><td>4%</td></tr><tr><td>Occupancy</td><td>818</td><td>868</td><td>-50</td><td>-6%</td></tr><tr><td>Equipment</td><td>1,103</td><td>1,065</td><td>38</td><td>4%</td></tr><tr><td>Marketing</td><td>285</td><td>244</td><td>41</td><td>17%</td></tr><tr><td>Other</td><td>2,619</td><td>2,953</td><td>-334</td><td>-11%</td></tr><tr><td>Total noninterest expense</td><td>$10,296</td><td>$10,398</td><td>$-102</td><td>-1%</td></tr></table>

Question: What is the sum of Basel I Tier 1 common capital of December 31 2013, Equipment of Change 2018, and Total noninterest expense of Change 2017 ?
Answer: 39985