The components of accumulated other comprehensive loss, net of taxes as of April 30, 2026, and changes for the six months ended April 30, 2026 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	$	6	$	(26)	$	(2,058)	$	(670)	$	(2,748)

Other comprehensive loss before reclassifications	(2)		(65)		(1)		(23)		(91)
Reclassifications of losses into earnings	—		85		51		—		136
Tax provision	—		(1)		(11)		(2)		(14)
Balance at end of period	$	4	$	(7)	$	(2,019)	$	(695)	$	(2,717)

The components of accumulated other comprehensive loss, net of taxes as of April 30, 2025, and changes for the six months ended April 30, 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	(6)		(195)		(20)		(12)		(233)
Reclassifications of losses into earnings	—		31		62		—		93
Tax benefit (provision)	—		30		(6)		(1)		23
Balance at end of period	$	2	$	(150)	$	(2,306)	$	(640)	$	(3,094)