American International Group, Inc.  and Subsidiaries partnership and UCITS income, partially offset by lower net and sales.
However, operating income declined in 2007 compared realized capital gains and a $118 million charge related to to 2006, primarily due to net realized capital losses resulting from remediation activity.
Operating income in 2006 included an other-than-temporary impairment charges, a $29 million charge increase of $137 million from an out of period adjustment related related to remediation activity and higher DAC amortization to UCITS.
In addition, operating income in 2006 included the expense.
positive effect of out of period reductions in participating Individual fixed annuities total revenues grew in 2007 compolicyholder dividend reserves of $163 million, primarily as a pared to 2006 due primarily to higher net investment income and result of tax remediation adjustments and a correction to expense increased net realized capital gains.
Deposits in 2007 declined allocations between participating and non-participating accounts.
compared to 2006 due to increased competition and a market Life insurance premiums and other considerations in 2007 shift to variable life products, particularly in Korea.
reflected a moderate increase compared to 2006, benefiting from improved sales in Thailand and the favorable effect of foreign 2006 and 2005 Comparison exchange rates, partially offset by the shift in product mix from Revenues for Asia grew in 2006 compared to 2005.
Premiums traditional life insurance products to investment-oriented products.
and other considerations in 2006 were negatively affected by the Net investment income grew in 2007 compared to 2006 due trend towards investment-oriented products as only a portion of primarily to higher policyholder trading gains, the growth in the the policy charges collected are reported as premiums.
Net underlying invested assets and higher partnership income.
Operat- investment income in 2006 grew compared to 2005 due to higher ing income increased in 2007 compared to 2006 due to a policyholder trading gains.
Net realized capital gains were signifi- $322 million positive effect of changes in actuarial estimates, cantly higher in 2006 compared to 2005 relating primarily to partially offset by an $86 million charge related to remediation derivative instruments for transactions that do not qualify for activity.
Operating income in 2006 included the effect of the out hedge accounting treatment under FAS 133.
Revenues and of period UCITS adjustment and reduction in participating policy- operating income in 2006 included increases of $208 million and holder dividend reserves discussed above.
$137 million, respectively, from out of period adjustments related Personal accident revenues grew in 2007 compared to 2006 to UCITS.
In addition, operating income in 2006 increased due to primarily due to higher premiums and other considerations, a $163 million out of period adjustment related to participating particularly in Korea and Taiwan.
Operating income reflects the policyholder dividend reserves primarily as a result of tax combined effect of premium growth and stable loss ratios and a remediation adjustments and a correction to expense allocations $51 million positive effect related to changes in actuarial between participating and non-participating accounts.
estimates in 2007.
Group products premiums and other considerations grew in 2007 compared to 2006 due to higher pension management fees Domestic Life Insurance results, presented on a sub-product basis for 2007, 2006 and 2005, were as follows:
## Table 0 ##
American International Group, Inc.  and Subsidiaries 2007, AIGFP purchased securities with a principal amount of approximately $754 million in connection with these obligations.
In respect of certain of the 2a-7 Puts, AIGFP has contracted with third parties to provide liquidity for the securities if they are put to AIGFP for up to a three-year period.
Such liquidity facilities totaled approximately $3 billion at December 31, 2007.
As of Febru- ary 26, 2008, AIGFP has not utilized these liquidity facilities.
At December 31, 2007, AIGFP had approximately $6.5 billion of notional exposure on these 2a-7 Puts.
Structured Investment Vehicle AIGFP sponsors one unconsolidated SIV that invests in variable rate, investment-grade debt securities with a weighted average remaining life of four years at December 31, 2007.
Assets of the SIV totaled $2.4 billion at December 31, 2007.
Approximately $31.9 million of these assets have been downgraded one notch from Aa3/AA– to A1/A+ by Moody’s and S&P, respectively,since the purchase of these assets by the SIV.
The SIV funds its assets by issuing secured ?nancing, commercial paper, and medium-term notes that had a weighted-average remaining life of less than six months at December 31, 2007.
The mismatch between the weighted average remaining life of the SIV’s assets and liabilities has been removed through the funding support from AIGFP described in the next paragraph.
The SIV also issued approxi- mately $300 million of capital notes originally rated Baa2 and BBB by Moody’s and S&P, respectively, and subsequently down- graded in 2007 to B3 and BB– (credit watch negative), respec- tively, of which AIGFP owns 12 percent.
At December 31, 2007, AIGFP had $1.7 billion of balance sheet exposure to this SIV representing investments in securities purchased under agreements to resell, commercial paper, and medium-term and capital notes.
During the credit market disrup- tions during the last half of 2007, the SIV experienced dif?culty attracting purchasers for its commercial paper and medium-term notes.
In January 2008, AIGFP agreed to provide funding support to the SIV, as necessary, to allow the SIV to redeem its commercial paper and medium-term notes as they become due.
Moody’s af?rmed the SIV’s senior debt ratings of Aaa.
S&P af?rmed the SIV’s long term issuer credit rating of AAA with a negative outlook and downgraded its capital notes from BB– to CCC– and this rating remains on credit watch negative.
AIG does not believe its management of, and current or future investments in, the SIV could have any effect on AIG’s debt ratings under any circumstances.
Shareholders’ Equity The changes in AIG’s consolidated shareholders’ equity during 2007 and 2006 follows:
## Table 1 ##
*Re?ects the effects of employee stock transactions and cumulative effect of accounting changes.
As indicated in the table above, a signi?cant portion of the 2007 decrease in AIG’s consolidated equity during 2007 was the result of share purchases, substantially all of which were funded from the issuance of hybrid debt securities.
The effect of these transactions was to replace high cost equity securities (common stock) with cost ef?cient hybrid securities, a substantial portion of which is treated as equity capital for the purpose of rating agency leverage calculations.
AIG has in the past reinvested most of its unrestricted earnings in its operations and believes such continued reinvest-ment in the future will be adequate to meet any foreseeable capital needs.
However, AIG may choose from time to time to raise additional funds through the issuance of additional securities.
In February 2007, AIG’s Board of Directors adopted a new dividend policy, which took effect with the dividend declared in the second quarter of 2007, providing that under ordinary circum- stances, AIG’s plan will be to increase its common stock dividend by approximately 20 percent annually.
The payment of any dividend, however, is at the discretion of AIG’s Board of Directors,and the future payment of dividends will depend on various factors, including the performance of AIG’s businesses, AIG’s consolidated ?nancial position, results of operations and liquidity and the existence of investment opportunities.
Share Repurchases From time to time, AIG may buy shares of its common stock for general corporate purposes, including to satisfy its obligations under various employee bene?t plans.
In February 2007, AIG’s Board of Directors increased AIG’s share repurchase program by authorizing the purchase of shares with an aggregate purchase price of $8 billion.
In November 2007, AIG’s Board of Directors authorized the purchase of an additional $8 billion in common stock.
From March through December 31, 2007, AIG entered into structured share repurchase arrangements providing for the purchase of shares over time with an aggregate purchase price of
American International Group, Inc.  and Subsidiaries 17.
Share-based Employee Compensation Plans Continued value recognition provisions of FAS 123R.
FAS 123R requires thatcompanies use a fair value method to value share-based pay-ments and recognize the related compensation expense in netearnings.
AlG adopted FAS 123R using the modified prospectiveapplication method，and accordingly, financial statement amountsfor the prior periods presented have not been restated to reflectthe fair value method of expensing share-based compensationunder FAS 123R.
The modified prospective application method requires recognition of the fair value of share-based compensationfor shares subscribed for or granted on or after January 1,2006and all previously granted but unvested awards at January 1,2006.
The adoption of FAS 123R resulted in share-based compensa-tion expense of approximately $17 million during 2006, related toawards that were accounted for under Accounting Principles BoardOpinion 25,"Accounting for Stock lssued to Employees. "
FAS 123R also requires AlG to estimate forfeitures in calculatingthe expense relating to share-based compensation,rather thanrecognizing these for feitures and corresponding reductions inexpense as they occur.
The cumulative effect of adoption of $46 million was recorded as a cumulative effect of an accountingchange, net of tax.
FAS 123R requires AlG to reflect the cashsavings resulting from excess tax benefits in its financial state-ments as cash flow from financing activities, rather than as cashflow from operating activities as in prior periods.
The amount ofthis excess tax benefit in 2007 and 2006 was $26.1 million and$27.9 million, respectively.
lncluded in AIG's consolidated statement of income for theyears ended December 31,2007 and 2006 was pre-tax share-based compensation expense of $275 million($216 million aftertax),and $353 million ($326 million after tax), respectively.
Share-based compensation expense in 2006 included a one-time compensation cost of approximately $54 million related to theStarr tender offer and various out of period adjustments totaling$61 million, primarily relating to stock splits and other miscellane-ous items for the SICO Plans.
See Note 19 herein for a discussion of the Starr tender offer.1999 Stock Option Plan The 1999 Plan was approved by the shareholders at the 200oAnnual Meeting of Shareholders, with certain amendments ap-proved at the 2003 Annual Meeting of Shareholders.
The 1999Plan superseded the 1991 Employee Stock Option Plan (the 1991Plan)，although outstanding options granted under the 1991 Plancontinue until exercise or expiration.
Options granted under the1999 Plan generally vest over four years (25 percent vesting peryear) and expire 10 years from the date of grant.
The 2007 Plansupersedes the 1999 Plan.
At December 31,2007, there were no shares reserved forfuture grants under the 1999 Plan and 36,363,769 sharesreserved for issuance under the 1999 and 1991 Plans.
Deferrals At December 31，2007,AIG was obligated to issue12,521,342 shares in connection with previous exercises ofoptions with delivery deferred.
Valuation AlG uses a binomial lattice model to calculate the fair value ofstock option grants.
A more detailed description of the valuationmethodology is provided below.
The following weighted-average assumptions were usedfor stock options granted in 2007,2006 and 2005:
## Table 2 ##
(a) The dividend yield is determined at the grant date.
(b) In 2007,expected volatility is the average of historical volatility (basedon seven years of daily stock price changes) and the implied volatilityof actively traded options on AIG shares.
(c)The interest rate curves used in the valuation model were the U. S.  Treasury STRIP rates with terms from 3 months to 10 years.
(d) The contractual term of the option is generally 10 years with an expected term of 7 years calculated based on an analysis of historicalemployee exercise behavior and employee turnover (post-vesting termi-nations).
The early exercise rate is a function of time elapsed since thegrant.
Fifteen years of historical data were used to estimate the earlyexercise rate.
working on the site.
The Company resolved five of the eight pending lawsuits arising from this matter and believes that it has adequate insurance to resolve remaining matters.
The Company believes that the settlement of these lawsuits will not have a material adverse effect on its consolidated financial statements.
During the 2009 third quarter, in connection with an environmental site remediation action under CERCLA, International Paper submitted to the EPA a feasibility study for this site.
The EPA has indicated that it intends to select a proposed remedial action alternative from those identified in the study and present this proposal for public comment.
Since it is not currently possible to determine the final remedial action that will be required, the Company has accrued, as of December 31, 2009, an estimate of the minimum costs that could be required for this site.
When the remediation plan is finalized by the EPA, it is possible that the remediation costs could be significantly higher than amounts currently recorded.
EXTERIOR SIDING AND ROOFING LITIGATION International Paper has established reserves relating to the settlement, during 1998 and 1999, of three nationwide class action lawsuits against the Company and Masonite Corp. , a former wholly-owned subsidiary of the Company.
Those settlements relate to (1) exterior hardboard siding installed during the 1980’s and 1990’s (the Hardboard Claims); (2) Omniwood siding installed during the 1990’s (the Omniwood Claims); and (3) Woodruf roofing installed during the 1980’s and 1990’s (the Woodruf Claims).
All Hardboard Claims were required to be made by January 15, 2008, while all Omniwood and Woodruf Claims were required to be made by January 6, 2009.
The following table presents an analysis of total reserve activity related to the Hardboard, Omniwood and Woodruf settlements for the years ended December 31, 2009, 2008 and 2007:
## Table 3 ##
The Company believes that the aggregate reserve balance remaining at December 31, 2009 is adequate to cover the final settlement of remaining claims.
SUMMARY The Company is also involved in various other inquiries, administrative proceedings and litigation relating to contracts, sales of property, intellectual property, environmental and safety matters, tax, personal injury, labor and employment and other matters, some of which allege substantial monetary damages.
While any proceeding or litigation has the element of uncertainty, the Company believes that the outcome of any of the lawsuits or claims that are pending or threatened, or all of them combined, will not have a material adverse effect on its consolidated financial statements.
NOTE 12 VARIABLE INTEREST ENTITIES AND PREFERRED SECURITIES OF SUBSIDIARIES VARIABLE INTEREST ENTITIES In connection with the 2006 sale of approximately 5.6 million acres of forestlands, International Paper received installment notes (the Timber Notes) totaling approximately $4.8 billion.
The Timber Notes, which do not require principal payments prior to their August 2016 maturity, are supported by irrevocable letters of credit obtained by the buyers of the forestlands.
During the 2006 fourth quarter, International Paper contributed the Timber Notes to newly formed entities (the Borrower Entities) in exchange for Class A and Class B interests in these entities.
Subsequently, International Paper contributed its $200 million Class A interests in the Borrower Entities, along with approximately $400 million of International Paper promissory notes, to other newly formed entities (the Investor Entities) in exchange for Class A and Class B interests in these entities, and simultaneously sold its Class A interest in the Investor Entities to a third party investor.
As a result, at December 31, 2006, International Paper held Class B interests in the Borrower Entities and Class B interests in the Investor entities valued at approximately $5.0 billion.
International Paper has no obligation to make any further capital contributions to these entities and did not provide financial or other support during 2009, 2008 or 2007 that was not previously contractually required.
Based on an analysis of these entities under guidance that considers the potential magnitude of the variability in the structure and which party bears a majority of the gains or losses, International Paper determined that it is not the primary beneficiary of these entities,

<table><tr><td><i>(in millions)</i></td><td>Premiums and Other Considerations</td><td>Net Investment Income</td><td>Net Realized Capital Gains (Losses)</td><td>Total Revenues</td><td>Operating Income (Loss)</td></tr><tr><td> 2007</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance</td><td>$2,352</td><td>$1,528</td><td>$-584</td><td>$3,296</td><td>$226</td></tr><tr><td>Home service</td><td>767</td><td>640</td><td>-100</td><td>1,307</td><td>216</td></tr><tr><td>Group life/health</td><td>842</td><td>200</td><td>-16</td><td>1,026</td><td>67</td></tr><tr><td>Payout annuities<i><sup>(a)</sup></i></td><td>1,820</td><td>1,153</td><td>-67</td><td>2,906</td><td>74</td></tr><tr><td>Individual fixed and runoff annuities</td><td>55</td><td>474</td><td>-36</td><td>493</td><td>59</td></tr><tr><td>Total</td><td>$5,836</td><td>$3,995</td><td>$-803</td><td>$9,028</td><td>$642</td></tr><tr><td>2006</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance</td><td>$2,127</td><td>$1,377</td><td>$-83</td><td>$3,421</td><td>$654</td></tr><tr><td>Home service</td><td>790</td><td>630</td><td>-38</td><td>1,382</td><td>282</td></tr><tr><td>Group life/health</td><td>995</td><td>213</td><td>-8</td><td>1,200</td><td>-159</td></tr><tr><td>Payout annuities<i><sup>(a)</sup></i></td><td>1,582</td><td>1,004</td><td>-51</td><td>2,535</td><td>76</td></tr><tr><td>Individual fixed and runoff annuities</td><td>49</td><td>554</td><td>-35</td><td>568</td><td>64</td></tr><tr><td>Total</td><td>$5,543</td><td>$3,778</td><td>$-215</td><td>$9,106</td><td>$917</td></tr></table>
<table><tr><td><i>(in millions)</i></td><td>2007</td><td>2006</td></tr><tr><td>Beginning of year</td><td>$101,677</td><td>$86,317</td></tr><tr><td>Net income</td><td>6,200</td><td>14,048</td></tr><tr><td>Unrealized appreciation (depreciation) of investments, net of tax</td><td>-5,708</td><td>1,735</td></tr><tr><td>Cumulative translation adjustment, net of tax</td><td>1,185</td><td>936</td></tr><tr><td>Dividends to shareholders</td><td>-1,964</td><td>-1,690</td></tr><tr><td>Payments advanced to purchase shares, net</td><td>-912</td><td>—</td></tr><tr><td>Share purchases</td><td>-5,104</td><td>—</td></tr><tr><td>Other*</td><td>427</td><td>331</td></tr><tr><td>End of year</td><td>$95,801</td><td>$101,677</td></tr></table>
<table><tr><td></td><td> 2007</td><td> 2006</td><td> 2005</td></tr><tr><td>Expected annual dividend yield<i><sup>(a)</sup></i></td><td> 1.39%</td><td>0.92%</td><td>0.71%</td></tr><tr><td>Expected volatility<i><sup>(b)</sup></i></td><td> 32.82%</td><td>23.50%</td><td>27.30%</td></tr><tr><td>Risk-free interest rate<i><sup>(c)</sup></i></td><td> 4.08%</td><td>4.61%</td><td>4.17%</td></tr><tr><td>Expected term<i><sup>(d)</sup></i></td><td> 7 years</td><td>7 years</td><td>7 years</td></tr></table>
<table><tr><td><i>In millions</i></td><td>Total</td></tr><tr><td>Balance, December 31, 2006</td><td>$124</td></tr><tr><td>Payments</td><td>-78</td></tr><tr><td>Balance, December 31, 2007</td><td>46</td></tr><tr><td>Additional provision</td><td>82</td></tr><tr><td>Payments</td><td>-87</td></tr><tr><td>Balance, December 31, 2008</td><td>41</td></tr><tr><td>Payments</td><td>-38</td></tr><tr><td>Balance, December 31, 2009</td><td>$3</td></tr></table>

Question: What is the sum of Life insurance, Home service and Group life/health in Total Revenues in 2007 ? (in millions)
Answer: 5629