The footnotes to the 2008 financial statements of Citigroup, the holding company for Citibank, contained the following information (dollars in millions):

REQUIRED:a. Fill in the missing values and comment on any trends across the three-year period.b. As of the end of 2008, the company had outstanding loan receivables of $694,216: $519,673 in consumer loans and $174,543 in corporate loans. Which of the two categories appears to be the riskier? Why?

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Allowance for Credit Losses 2008 2007 2006 Allowance for loan losses at beginning of year Provision for credit losses-consumer Provision for credit losses corporate Consumer credit losses Corporate credit losses $9,782 6,224 28,282 5,392 20,002 1,922 1,600 15,599 1,233 10,645 948 1,661 8,629 312 1,547 232 Corporate recoveries Allowance for loan losses at end of year 277 149