The components of accumulated other comprehensive loss, net of taxes as of July 31, 2026, and changes for the nine months ended July 31, 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) income before reclassifications	(1)		26		5		(43)		(13)
Reclassifications of losses into earnings	—		3		76		—		79
Tax provision	—		(2)		(18)		—		(20)
Balance at end of period	$	5	$	1	$	(1,995)	$	(713)	$	(2,702)

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)