NOTE 24
| € million | 2010 | 2009 |
| Carrying amount at 1 Jan. | 427.7 | 291.0 |
| Changes | 120.1 | 138.6 |
| Changes in fair value | 1.2 | -1.9 |
| Carrying amount at 31 Dec. | 549.0 | 427.7 |
Available-for-sale financial assets include short-term investments in commercial papers, certificates of bank deposits, other interest rate instruments and Finnish Government bonds. An analysis of the assets is given in note 41.