text: **Future Benefit Payments and Contributions**
  As of January 31, 2015, the expected future benefit payments based upon the assumptions described above and including benefits 
  attributable to estimated future employee service are as follows: 
  
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              [html]<thead><tr><td>2015</td><td>$ 8</td></tr></thead><tbody><tr><td>2016</td><td>9</td></tr><tr><td>2017</td><td>9</td></tr><tr><td>2018</td><td>9</td></tr><tr><td>2019</td><td>10</td></tr><tr><td>2020 – 2024</td><td>59</td></tr></tbody>
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  **NOTE 8: DEBT AND CREDIT FACILITIES**
  
  **Debt**
  A summary of our long-term debt is as follows: 