The components of accumulated other comprehensive loss, net of taxes as of July 31, 2025, and changes for the nine months ended July 31, 2025 were as follows:


	Net unrealized gains (losses) on available-for-sale securities		Net unrealized (losses) gains on cash flow hedges		Unrealized components of defined benefit plans		Cumulative translation adjustment		Accumulated other comprehensive loss
	In millions
Balance at beginning of period	$	8	$	(16)	$	(2,342)	$	(627)	$	(2,977)

Other comprehensive loss before reclassifications	(5)		(189)		(10)		(28)		(232)
Reclassifications of losses into earnings	—		87		98		—		185
Tax benefit (provision)	—		16		(16)		—		—
Balance at end of period	$	3	$	(102)	$	(2,270)	$	(655)	$	(3,024)

The components of accumulated other comprehensive loss, net of taxes as of July 31, 2024, and changes for the nine months ended July 31, 2024 were as follows:


	Net unrealized gains on available-for-sale securities		Net unrealized gains (losses) on cash flow hedges		Unrealized components of defined benefit plans		Cumulative translation adjustment		Accumulated other comprehensive loss
	In millions
Balance at beginning of period	$	—	$	61	$	(2,507)	$	(638)	$	(3,084)

Other comprehensive income (loss) before reclassifications	6		(69)		(2)		(17)		(82)
Reclassifications of losses into earnings	—		2		103		—		105
Tax benefit (provision)	—		15		(12)		1		4
Balance at end of period	$	6	$	9	$	(2,418)	$	(654)	$	(3,057)