Ball Corporation and Subsidiaries Notes to Consolidated Financial Statements 5.  Business Consolidation and Other Activities Following is a summary of business consolidation (charges)/gains included in the consolidated statements of earnings for the years ended December 31:
## Table 0 ##
2010 Metal Beverage Packaging, Europe During the fourth quarter of 2010, the company recorded a charge of $2.6 million to write off capitalized installation costs associated with the decision not to complete a plant in Lublin, Poland.
Also included in the fourth quarter were charges totaling $0.6 million for transaction costs incurred for the January 2011 acquisition of Aerocan S. A. S.  (See Note 23. )
Metal Food and Household Products Packaging, Americas In September 2010, Ball announced the closure of its metal food container manufacturing plant in Richmond, British Columbia.
The plant, which produces steel cans for the Alaskan and Canadian salmon industry, will cease production in the first quarter of 2011, and its production capacity will be consolidated into other Ball facilities.
In connection with the closure, the company recorded a charge of $4.6 million primarily for severance and other employee benefits.
In the fourth quarter of 2010, the company completed the sale and subsequent leaseback of its Richmond, British Columbia, facility resulting in a $5.1 million gain on the sale net of estimated lease exit costs and other individually insignificant items.
During the third quarter of 2010, the company identified an accrual of a pension liability related to a Canadian plant closure that occurred in 2006.
The amount of the accrual was $17.8 million ($14.5 million after tax) and was the result of recognizing the final settlement of the pension plan prior to the actual settlement of the pension obligation as defined in the pension accounting guidance.
A third quarter 2010 out-of-period adjustment eliminated the excess pension liability balance related to the final settlement.
The accrual for the pension settlement liability, as determined at that time, will be charged to earnings from accumulated other comprehensive earnings (loss) upon final settlement of the related pension obligation when the criteria in the accounting guidance are deemed to have been met and all regulatory clearances have been given.
Management has assessed the impact of this adjustment and does not believe these amounts were quantitatively or qualitatively material, individually or in the aggregate, to any previously issued financial statements, including the results of operations for 2006, or to the 2010 results of operations.
Corporate and Other Costs In the third and fourth quarter of 2010, charges totaling $1.0 million were recorded primarily for transaction costs related to the acquisition of Neuman (discussed in Note 3).
In the second quarter of 2010, charges of $3.1 million were recorded primarily to establish a reserve associated with an environmental matter at a previously owned facility.2009 Metal Beverage Packaging, Americas and Asia During the fourth quarter, income of $4.2 million was recorded to reflect the reversal of previously recorded employee benefit charges taken primarily related to the closures of the Puerto Rico and Kansas City plants, which were announced in the fourth quarter of 2008.
The reversal was due to the original estimates of group insurance and other employee-related costs being higher than actual experience rates.
These gains were partially offset by other charges recognized in the fourth quarter totaling $1.0 million primarily for fixed asset disposals where original adjustments to net realizable value were insufficient.
CITIZENS FINANCIAL GROUP, INC.  MANAGEMENT'S DISCUSSION AND ANALYSIS 87 Net interest income of $3.1 billion in 2013 decreased $169 million, or 5%, from $3.2 billion in 2012, and reflected a four basis point decline in net interest margin to 2.85%.
The decrease in net interest income was driven by a reduction in earning asset yields given the relatively persistent low-rate environment, as well as a decrease in loan and securities portfolio balances, which were partially offset by a reduction in pay-fixed swap costs and improved deposit spreads.
Average interest-earning assets decreased $4.0 billion driven by a $2.9 billion decrease in consumer real estate secured portfolios, a $2.3 billion decrease in the investment securities portfolio and a $385 million decrease in student and other installment loans, which were partially offset by a $1.1 billion increase in total commercial loans and a $581 million increase in auto loans.
The four basis point decrease in net interest margin reflected the effect of the relatively persistent low-rate environment, which led to a decline in earning asset yields that outpaced our ability to reduce the cost of interest-bearing liabilities.
The decline in earning asset yields reflected continued prepayment of higher yielding consumer real estate secured loans as well as the contractual amortization of higher yield portfolios, which were entered into in higher interest rate environments.
In addition, intense industry- wide competition for loans compressed spreads on new originations and resulted in downward pressure on loan yields.
To a lesser extent, rates on interest-bearing deposits also declined compared to 2012.
Industry wide, net interest margins experienced downward pressure as higher rate loan and securities balances ran off and deposit rates approached floors beneath which they cannot be reduced further.
The net yield on average interest-earning assets decreased 20 basis points to 3.25% in 2013 from 3.45% in 2012, reflecting a 17 basis point decline in the loan and lease portfolio yield and a 35 basis point decline in the investment portfolio yield from 2012.
The decline in average yields largely reflected the effect of the continued low-rate environment as new loans and securities were issued at lower rates and prepayment speeds on higher rate fixed assets in the portfolio increased.
Investment portfolio income of $488 million decreased $136 million, or 22%, from 2012, and the yield on the portfolio declined 35 basis points to 2.29%.
These results were impacted by our strategic decision to slow down reinvestment activity in the first half of 2013, given extremely low levels of market rates.
Our total interest-bearing deposit costs in 2013 decreased $159 million, or 42%, from $375 million in 2012 and reflected a 23 basis point decrease in the rate paid on deposits to 0.32% from 0.55% in 2012.
The rates paid on term deposits declined to 0.91% from 1.80% in 2012.
As a result of the historically low interest rate environment, many deposit products have hit pricing floors at or near zero, limiting further rate reductions and thus compressing margin.
The total cost of borrowed funds increased to 6.53% from 3.11% in 2012 due in part to additional subordinated debt issued in 2013 and the full expense impact of the subordinated debt issued in 2012, and also due to the impact of allocated hedge expense and netting of repurchase agreements.
Excluding the cost of the hedge expense and netting, the total borrowed funds rates were 3.11% and 3.47% for 2013 and 2012, respectively.
Noninterest Income The following table details the significant components of our noninterest income for the periods indicated
## Table 1 ##
(1) Includes net impairment losses on securities available for sale recognized in earnings and other income.
Total noninterest income of $1.6 billion in 2013 decreased 2%, or $35 million, from 2012 largely as higher securities gains, net, other income and trust and investment services fees were more than offset by lower service charges and fees, mortgage
The effect of a 1% increase in the medical cost trend rate would increase the accumulated postretirement benefit obligation and the annual postretirement expense by approximately $0.6 million and $0.1 million, respectively; a 1% decrease in the rate would decrease the obligation and expense by approximately $0.6 million and $0.1 million, respectively.
The Company contributed $35.1 million and $29.4 million to its qualified U. S.  pension plans and non-U.
S.  pension plans in 2015, respectively.
The Company made $3.5 million in benefit payments with respect to its nonqualified U. S.  pension plan.
In addition, $6.6 million of payments were made with respect to the Company’s other postretirement plans.
NOTE 15.
FINANCIAL INSTRUMENTS Fair Value Accounting guidance on fair value measurements specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable.
Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect our market assumptions.
These two types of inputs create the following fair value hierarchy: ‰ Level 1 — Quoted prices for identical instruments in active markets.
‰ Level 2 — Quoted prices for similar instruments in active markets; quoted prices for identical or similar instruments in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets.
‰ Level 3 — Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable.
This hierarchy requires us to use observable market data, when available, and to minimize the use of unobservable inputs when determining fair value.
The Company determines the fair value of structured liabilities (where performance is linked to structured interest rates, inflation or currency risks) using the London InterBank Offer Rate (“LIBOR”) swap curve and forward interest and exchange rates at period end.
Such instruments are classified as Level 2 based on the observability of significant inputs to the model.
The Company does not have any instruments classified as Level 1 or Level 3, other than those included in pension asset trusts included in Note 14.
These valuations take into consideration the Company’s credit risk and its counterparties’ credit risk.
The estimated change in the fair value of these instruments due to such changes in its own credit risk (or instrumentspecific credit risk) was immaterial as of December 31, 2015.
The amounts recorded in the balance sheet (carrying amount) and the estimated fair values of financial instruments at December 31 consisted of the following:
## Table 2 ##
(1) The carrying amount of cash and cash equivalents approximates fair value due to the short maturity of those instruments.
(2) The carrying amount of our credit facilities and bank overdrafts approximates fair value as the interest rate is reset frequently based on current market rates as well as the short maturity of those instruments.
Table of Contents POLO RALPH LAUREN CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS — (Continued) hedging instruments, such as forward foreign currency exchange contracts designated as cash flow hedges and foreign currency gains (losses) on the Company’s Euro-denominated debt designated as a hedge of its net investment in certain of its European subsidiaries.
Net Income per Common Share Basic net income per common share is computed by dividing the net income applicable to common shares after preferred dividend requirements, if any, by the weighted-average number of common shares outstanding during the period.
Weighted-average common shares include shares of the Company’s Class A and Class B common stock.
Diluted net income per common share adjusts basic net income per common share for the effects of outstanding stock options, restricted stock, restricted stock units and any other potentially dilutive financial instruments, only in the periods in which such effect is dilutive under the treasury stock method.
The weighted-average number of common shares outstanding used to calculate basic net income per common share is reconciled to those shares used in calculating diluted net income per common share as follows:

<table><tr><td>($ in millions)</td><td>2010</td><td>2009</td><td>2008</td></tr><tr><td>Metal beverage packaging, Americas & Asia</td><td>$−</td><td>$-6.8</td><td>$-40.6</td></tr><tr><td>Metal beverage packaging, Europe</td><td>-3.2</td><td>−</td><td>−</td></tr><tr><td>Metal food & household products packaging, Americas</td><td>18.3</td><td>-2.6</td><td>1.6</td></tr><tr><td>Corporate other costs</td><td>-4.1</td><td>-12.0</td><td>-4.8</td></tr><tr><td></td><td>$11.0</td><td>$-21.4</td><td>$-43.8</td></tr></table>
<table><tr><td></td><td colspan="2">Year Ended December 31,</td><td></td><td></td></tr><tr><td>(dollars in millions)</td><td>2013</td><td>2012</td><td>Change</td><td>Percent</td></tr><tr><td>Service charges and fees</td><td>$640</td><td>$704</td><td>-$64</td><td>-9%</td></tr><tr><td>Card fees</td><td>234</td><td>249</td><td>-15</td><td>-6</td></tr><tr><td>Mortgage banking fees</td><td>153</td><td>189</td><td>-36</td><td>-19</td></tr><tr><td>Trust and investment services fees</td><td>149</td><td>131</td><td>18</td><td>14</td></tr><tr><td>Foreign exchange and trade finance fees</td><td>97</td><td>105</td><td>-8</td><td>-8</td></tr><tr><td>Capital markets fees</td><td>53</td><td>52</td><td>1</td><td>2</td></tr><tr><td>Bank-owned life insurance income</td><td>50</td><td>51</td><td>-1</td><td>-2</td></tr><tr><td>Securities gains, net</td><td>144</td><td>95</td><td>49</td><td>52</td></tr><tr><td>Other income<sup>-1</sup></td><td>112</td><td>91</td><td>21</td><td>23</td></tr><tr><td>Noninterest income</td><td>$1,632</td><td>$1,667</td><td>-$35</td><td>-2%</td></tr></table>
<table><tr><td></td><td colspan="2">2015</td><td colspan="2">2014</td></tr><tr><td>(DOLLARS IN THOUSANDS)</td><td>CarryingAmount</td><td>FairValue</td><td>CarryingAmount</td><td>FairValue</td></tr><tr><td>Cash and cash equivalents<sup>-1</sup></td><td>$181,988</td><td>$181,988</td><td>$478,573</td><td>$478,573</td></tr><tr><td>Credit facilities and bank overdrafts<sup>-2</sup></td><td>142,105</td><td>142,105</td><td>12,335</td><td>12,335</td></tr><tr><td>Long-term debt:<sup>-3</sup></td><td></td><td></td><td></td><td></td></tr><tr><td>Senior notes — 2006</td><td>125,000</td><td>127,717</td><td>125,000</td><td>133,137</td></tr><tr><td>Senior notes — 2007</td><td>500,000</td><td>563,855</td><td>500,000</td><td>587,650</td></tr><tr><td>Senior notes — 2013</td><td>299,809</td><td>290,830</td><td>299,782</td><td>296,290</td></tr></table>

Question: What's the total amount of Total net (benefit) expense for pension plans of US plans in 2017? (in million)
Answer: -148