The gross carrying value of intangible assets and accumulated amortization was:

(1)       Excludes fully amortized intangible assets.

(2) See Note 9 for additional information on MSRs.

       We based our projections of amortization expense shown below on existing asset balances at December 31, 2011, with the exception of a portfolio of MSRs with a net carrying value of $313 million. Effective January 1, 2012, this portfolio of MSRs will be transferring to MSRs carried at fair value. Future amortization expense may vary from these projections.

       The following table provides the current year and estimated future amortization expense for amortized intangible assets.

       For our goodwill impairment analysis, we allocate all of the goodwill to the individual operating segments. We identify reporting units that are one level below an operating segment (referred to as a component), and distinguish these reporting units based on how the segments and components are managed, taking into consideration the economic characteristics, nature of the products and customers of the components. We allocate goodwill to reporting units based on relative fair value, using certain performance metrics. See Note 24 for further information on management reporting.

       The following table shows the allocation of goodwill to our operating segments for purposes of goodwill impairment testing. The reduction in 2010 was predominately due to reversals of excess exit reserves