text: During 2014, 2013 and 2012, we had no issuances under our commercial paper program and no borrowings under our revolver. 
  
  In November 2013, our wholly owned subsidiary in Puerto Rico entered into a $52 unsecured borrowing facility to support our expansion into 
  that market. The facility expires in November 2018 and borrowings on this facility incur interest based upon the LIBOR plus 1.275% per 
  annum and also incurs a fee based on our unused commitment. As of January 31, 2015, we had $37 outstanding on this facility. 