2011 compared to 2010 mst 2019s net sales for 2011 decreased $ 311 million , or 4% ( 4 % ) , compared to 2010 .

the decrease was attributable to decreased volume of approximately $ 390 million for certain ship and aviation system programs ( primarily maritime patrol aircraft and ptds ) and approximately $ 75 million for training and logistics solutions programs .

partially offsetting these decreases was higher sales of about $ 165 million from production on the lcs program .

mst 2019s operating profit for 2011 decreased $ 68 million , or 10% ( 10 % ) , compared to 2010 .

the decrease was attributable to decreased operating profit of approximately $ 55 million as a result of increased reserves for contract cost matters on various ship and aviation system programs ( including the terminated presidential helicopter program ) and approximately $ 40 million due to lower volume and increased reserves on training and logistics solutions .

partially offsetting these decreases was higher operating profit of approximately $ 30 million in 2011 primarily due to the recognition of reserves on certain undersea systems programs in 2010 .

adjustments not related to volume , including net profit rate adjustments described above , were approximately $ 55 million lower in 2011 compared to 2010 .

backlog backlog increased in 2012 compared to 2011 mainly due to increased orders on ship and aviation system programs ( primarily mh-60 and lcs ) , partially offset decreased orders and higher sales volume on integrated warfare systems and sensors programs ( primarily aegis ) .

backlog decreased slightly in 2011 compared to 2010 primarily due to higher sales volume on various integrated warfare systems and sensors programs .

trends we expect mst 2019s net sales to decline in 2013 in the low single digit percentage range as compared to 2012 due to the completion of ptds deliveries in 2012 and expected lower volume on training services programs .

operating profit and margin are expected to increase slightly from 2012 levels primarily due to anticipated improved contract performance .

space systems our space systems business segment is engaged in the research and development , design , engineering , and production of satellites , strategic and defensive missile systems , and space transportation systems .

space systems is also responsible for various classified systems and services in support of vital national security systems .

space systems 2019 major programs include the space-based infrared system ( sbirs ) , advanced extremely high frequency ( aehf ) system , mobile user objective system ( muos ) , global positioning satellite ( gps ) iii system , geostationary operational environmental satellite r-series ( goes-r ) , trident ii d5 fleet ballistic missile , and orion .

operating results for our space systems business segment include our equity interests in united launch alliance ( ula ) , which provides expendable launch services for the u.s .

government , united space alliance ( usa ) , which provided processing activities for the space shuttle program and is winding down following the completion of the last space shuttle mission in 2011 , and a joint venture that manages the u.k . 2019s atomic weapons establishment program .

space systems 2019 operating results included the following ( in millions ) : .

and what was that operating profit in 2011?

Question: what, then, is that increase as a portion of this 2011 amount?

Answer: 0.01881


2011 compared to 2010 mst 2019s net sales for 2011 decreased $ 311 million , or 4% ( 4 % ) , compared to 2010 .

the decrease was attributable to decreased volume of approximately $ 390 million for certain ship and aviation system programs ( primarily maritime patrol aircraft and ptds ) and approximately $ 75 million for training and logistics solutions programs .

partially offsetting these decreases was higher sales of about $ 165 million from production on the lcs program .

mst 2019s operating profit for 2011 decreased $ 68 million , or 10% ( 10 % ) , compared to 2010 .

the decrease was attributable to decreased operating profit of approximately $ 55 million as a result of increased reserves for contract cost matters on various ship and aviation system programs ( including the terminated presidential helicopter program ) and approximately $ 40 million due to lower volume and increased reserves on training and logistics solutions .

partially offsetting these decreases was higher operating profit of approximately $ 30 million in 2011 primarily due to the recognition of reserves on certain undersea systems programs in 2010 .

adjustments not related to volume , including net profit rate adjustments described above , were approximately $ 55 million lower in 2011 compared to 2010 .

backlog backlog increased in 2012 compared to 2011 mainly due to increased orders on ship and aviation system programs ( primarily mh-60 and lcs ) , partially offset decreased orders and higher sales volume on integrated warfare systems and sensors programs ( primarily aegis ) .

backlog decreased slightly in 2011 compared to 2010 primarily due to higher sales volume on various integrated warfare systems and sensors programs .

trends we expect mst 2019s net sales to decline in 2013 in the low single digit percentage range as compared to 2012 due to the completion of ptds deliveries in 2012 and expected lower volume on training services programs .

operating profit and margin are expected to increase slightly from 2012 levels primarily due to anticipated improved contract performance .

space systems our space systems business segment is engaged in the research and development , design , engineering , and production of satellites , strategic and defensive missile systems , and space transportation systems .

space systems is also responsible for various classified systems and services in support of vital national security systems .

space systems 2019 major programs include the space-based infrared system ( sbirs ) , advanced extremely high frequency ( aehf ) system , mobile user objective system ( muos ) , global positioning satellite ( gps ) iii system , geostationary operational environmental satellite r-series ( goes-r ) , trident ii d5 fleet ballistic missile , and orion .

operating results for our space systems business segment include our equity interests in united launch alliance ( ula ) , which provides expendable launch services for the u.s .

government , united space alliance ( usa ) , which provided processing activities for the space shuttle program and is winding down following the completion of the last space shuttle mission in 2011 , and a joint venture that manages the u.k . 2019s atomic weapons establishment program .

space systems 2019 operating results included the following ( in millions ) : .

2012 compared to 2011 space systems 2019 net sales for 2012 increased $ 186 million , or 2% ( 2 % ) , compared to 2011 .

the increase was attributable to higher net sales of approximately $ 150 million due to increased commercial satellite deliveries ( two commercial satellites delivered in 2012 compared to one during 2011 ) ; about $ 125 million from the orion program due to higher volume and an increase in risk retirements ; and approximately $ 70 million from increased volume on various strategic and defensive missile programs .

partially offsetting the increases were lower net sales of approximately $ 105 million from certain government satellite programs ( primarily sbirs and muos ) as a result of decreased volume and a decline in risk retirements ; and about $ 55 million from the nasa external tank program , which ended in connection with the completion of the space shuttle program in 2011. .

what was the increase in the operating profit for space systems from 2011 to 2012?

what, then, is that increase as a portion of this 2011 amount?

Question: and concerning this year and the previous, 2010, how much did the decrease in the net sales over the period represent in relation to the one in mst 2019s operating profit?

Answer: 4.57353


equity compensation plan information the following table presents the equity securities available for issuance under our equity compensation plans as of december 31 , 2017 .

equity compensation plan information plan category number of securities to be issued upon exercise of outstanding options , warrants and rights ( 1 ) weighted-average exercise price of outstanding options , warrants and rights number of securities remaining available for future issuance under equity compensation plans ( excluding securities reflected in column ( a ) ) ( a ) ( b ) ( c ) equity compensation plans approved by security holders 448859 $ 0.00 4087587 equity compensation plans not approved by security holders ( 2 ) 2014 2014 2014 .

( 1 ) includes grants made under the huntington ingalls industries , inc .

2012 long-term incentive stock plan ( the "2012 plan" ) , which was approved by our stockholders on may 2 , 2012 , and the huntington ingalls industries , inc .

2011 long-term incentive stock plan ( the "2011 plan" ) , which was approved by the sole stockholder of hii prior to its spin-off from northrop grumman corporation .

of these shares , 27123 were stock rights granted under the 2011 plan .

in addition , this number includes 28763 stock rights , 3075 restricted stock rights , and 389898 restricted performance stock rights granted under the 2012 plan , assuming target performance achievement .

( 2 ) there are no awards made under plans not approved by security holders .

certain relationships and related transactions , and director independence information as to certain relationships and related transactions and director independence will be incorporated herein by reference to the proxy statement for our 2018 annual meeting of stockholders , to be filed within 120 days after the end of the company 2019s fiscal year .

principal accountant fees and services information as to principal accountant fees and services will be incorporated herein by reference to the proxy statement for our 2018 annual meeting of stockholders , to be filed within 120 days after the end of the company 2019s fiscal year. .

1	plan category	number of securities to be issued upon exercise of outstanding options warrants and rights ( 1 ) ( a ) ( b )	weighted-average exercise price of outstanding optionswarrants and rights	number of securities remaining available for future issuance under equity compensation plans ( excluding securitiesreflected in column ( a ) ) ( c )

2	equity compensation plans approved by security holders	448859	$ 0.00	4087587

3	equity compensation plans not approved by security holders ( 2 )	2014	2014	2014

4	total	448859	$ 0.00	4087587

Question: what is the number of securities to be issued upon exercise of outstanding options warrants and rights under equity compensation plans approved by security holders?

Answer: 448859.0


what is the number of securities to be issued upon exercise of outstanding options warrants and rights under equity compensation plans approved by security holders?

Question: and what is the number of securities remaining available for future issuance under those equity compensation plans?

Answer: 4087587.0


and what is the number of securities remaining available for future issuance under those equity compensation plans?

Question: what is, then, the combined total of securities between those two numbers?

Answer: 4536446.0


what is, then, the combined total of securities between those two numbers?

Question: what is the number of securities remaining available for future issuance under equity compensation plans approved by security holders?

Answer: 4087587.0


what is the number of securities remaining available for future issuance under equity compensation plans approved by security holders?

Question: and how much does this number represent in relation to that combined total?

Answer: 0.90105


the hartford financial services group , inc .

notes to consolidated financial statements ( continued ) 7 .

deferred policy acquisition costs and present value of future profits ( continued ) results changes in the dac balance are as follows: .

[1] the most significant contributors to the unlock charge recorded during the year ended december 31 , 2011 were assumption changes which reduced expected future gross profits including additional costs associated with implementing the japan hedging strategy and the u.s .

variable annuity macro hedge program , as well as actual separate account returns below our aggregated estimated return .

the most significant contributors to the unlock benefit recorded during the year ended december 31 , 2010 were actual separate account returns being above our aggregated estimated return .

also included in the benefit are assumption updates related to benefits from withdrawals and lapses , offset by hedging , annuitization estimates on japan products , and long-term expected rate of return updates .

the most significant contributors to the unlock charge recorded during the year ended december 31 , 2009 were the results of actual separate account returns being significantly below our aggregated estimated return for the first quarter of 2009 , partially offset by actual returns being greater than our aggregated estimated return for the period from april 1 , 2009 to december 31 , 2009 .

[2] the most significant contributor to the adjustments was the effect of declining interest rates , resulting in unrealized gains on securities classified in aoci .

other includes a $ 34 decrease as a result of the disposition of dac from the sale of the hartford investment canadian canada in 2010 .

[3] for the year ended december 31 , 2010 the effect of adopting new accounting guidance for embedded credit derivatives resulted in a decrease to retained earnings and , as a result , a dac benefit .

in addition , an offsetting amount was recorded in unrealized losses as unrealized losses decreased upon adoption of the new accounting guidance .

for the year ended december 31 , 2009 the effect of adopting new accounting guidance for investments other- than- temporarily impaired resulted in an increase to retained earnings and , as a result , a dac charge .

in addition , an offsetting amount was recorded in unrealized losses as unrealized losses increased upon adoption of the new accounting guidance .

as of december 31 , 2011 , estimated future net amortization expense of present value of future profits for the succeeding five years is $ 39 , $ 58 , $ 24 , $ 23 and $ 22 in 2012 , 2013 , 2014 , 2015 and 2016 , respectively. .

1		2011	2010	2009

2	balance january 1	$ 9857	$ 10686	$ 13248

3	deferred costs	2608	2648	2853

4	amortization 2014 dac	-2920 ( 2920 )	-2665 ( 2665 )	-3247 ( 3247 )

5	amortization 2014 dac from discontinued operations	2014	-17 ( 17 )	-10 ( 10 )

6	amortization 2014 unlock benefit ( charge ) pre-tax [1]	-507 ( 507 )	138	-1010 ( 1010 )

7	adjustments to unrealized gains and losses on securities available-for-sale and other [2]	-377 ( 377 )	-1159 ( 1159 )	-1031 ( 1031 )

8	effect of currency translation	83	215	-39 ( 39 )

9	cumulative effect of accounting change pre-tax [3]	2014	11	-78 ( 78 )

10	balance december 31	$ 8744	$ 9857	$ 10686

Question: what was the change in estimated future net amortization expense of present value of future profits between 2013 and 2014?

Answer: -34.0


what was the change in estimated future net amortization expense of present value of future profits between 2013 and 2014?

Question: so what was the percentage change during this time?

Answer: -0.58621


so what was the percentage change during this time?

Question: what was the change in deferred policy acquisition costs and present value of future profits in 2010?

Answer: -829.0


what was the change in deferred policy acquisition costs and present value of future profits in 2010?

Question: so what was the percentage change during this time?

Answer: -0.07758


the following table sets forth information concerning increases in the total number of our aap stores during the past five years: .

( 1 ) does not include stores that opened as relocations of previously existing stores within the same general market area or substantial renovations of stores .

our store-based information systems are comprised of a proprietary and integrated point of sale , electronic parts catalog , or epc , and store-level inventory management system ( collectively "store system" ) .

information maintained by our store system is used to formulate pricing , marketing and merchandising strategies and to replenish inventory accurately and rapidly .

our fully integrated system enables our store team members to assist our customers in their parts selection and ordering based on the year , make , model and engine type of their vehicles .

our store system provides real-time inventory tracking at the store level allowing store team members to check the quantity of on-hand inventory for any sku , adjust stock levels for select items for store specific events , automatically process returns and defective merchandise , designate skus for cycle counts and track merchandise transfers .

if a hard-to-find part or accessory is not available at one of our stores , the store system can determine whether the part is carried and in-stock through our hub or pdq ae networks or can be ordered directly from one of our vendors .

available parts and accessories are then ordered electronically from another store , hub , pdq ae or directly from the vendor with immediate confirmation of price , availability and estimated delivery time .

our centrally-based epc data management system enables us to reduce the time needed to ( i ) exchange data with our vendors and ( ii ) catalog and deliver updated , accurate parts information .

we also support our store operations with additional proprietary systems and customer driven labor scheduling capabilities .

all of these systems are tightly integrated and provide real-time , comprehensive information to store personnel , resulting in improved customer service levels , team member productivity and in-stock availability .

we plan to start rolling out a new and enhanced epc in fiscal 2013 which is expected to simplify and improve the customer experience .

among the improvements is a more efficient way to systematically identify add-on sales to ensure our customers have what they need to complete their automotive repair project .

purchasing for virtually all of the merchandise for our stores is handled by our merchandise teams located in three primary locations : 2022 store support center in roanoke , virginia ; 2022 regional office in minneapolis , minnesota ; and 2022 global sourcing office in taipei , taiwan .

our roanoke team is primarily responsible for the parts categories and our minnesota team is primarily responsible for accessories , oil and chemicals .

our global sourcing team works closely with both teams .

in fiscal 2012 , we purchased merchandise from approximately 450 vendors , with no single vendor accounting for more than 9% ( 9 % ) of purchases .

our purchasing strategy involves negotiating agreements with most of our vendors to purchase merchandise over a specified period of time along with other terms , including pricing , payment terms and volume .

the merchandising team has developed strong vendor relationships in the industry and , in a collaborative effort with our vendor partners , utilizes a category management process where we manage the mix of our product offerings to meet customer demand .

we believe this process , which develops a customer-focused business plan for each merchandise category , and our global sourcing operation are critical to improving comparable store sales , gross margin and inventory productivity. .

Question: what was the number of new stores in 2008 and 2012?

Answer: 225.0


( 1 ) does not include stores that opened as relocations of previously existing stores within the same general market area or substantial renovations of stores .

our store-based information systems are comprised of a proprietary and integrated point of sale , electronic parts catalog , or epc , and store-level inventory management system ( collectively "store system" ) .

information maintained by our store system is used to formulate pricing , marketing and merchandising strategies and to replenish inventory accurately and rapidly .

our fully integrated system enables our store team members to assist our customers in their parts selection and ordering based on the year , make , model and engine type of their vehicles .

our store system provides real-time inventory tracking at the store level allowing store team members to check the quantity of on-hand inventory for any sku , adjust stock levels for select items for store specific events , automatically process returns and defective merchandise , designate skus for cycle counts and track merchandise transfers .

if a hard-to-find part or accessory is not available at one of our stores , the store system can determine whether the part is carried and in-stock through our hub or pdq ae networks or can be ordered directly from one of our vendors .

available parts and accessories are then ordered electronically from another store , hub , pdq ae or directly from the vendor with immediate confirmation of price , availability and estimated delivery time .

our centrally-based epc data management system enables us to reduce the time needed to ( i ) exchange data with our vendors and ( ii ) catalog and deliver updated , accurate parts information .

we also support our store operations with additional proprietary systems and customer driven labor scheduling capabilities .

all of these systems are tightly integrated and provide real-time , comprehensive information to store personnel , resulting in improved customer service levels , team member productivity and in-stock availability .

we plan to start rolling out a new and enhanced epc in fiscal 2013 which is expected to simplify and improve the customer experience .

among the improvements is a more efficient way to systematically identify add-on sales to ensure our customers have what they need to complete their automotive repair project .

purchasing for virtually all of the merchandise for our stores is handled by our merchandise teams located in three primary locations : 2022 store support center in roanoke , virginia ; 2022 regional office in minneapolis , minnesota ; and 2022 global sourcing office in taipei , taiwan .

our roanoke team is primarily responsible for the parts categories and our minnesota team is primarily responsible for accessories , oil and chemicals .

our global sourcing team works closely with both teams .

in fiscal 2012 , we purchased merchandise from approximately 450 vendors , with no single vendor accounting for more than 9% ( 9 % ) of purchases .

our purchasing strategy involves negotiating agreements with most of our vendors to purchase merchandise over a specified period of time along with other terms , including pricing , payment terms and volume .

the merchandising team has developed strong vendor relationships in the industry and , in a collaborative effort with our vendor partners , utilizes a category management process where we manage the mix of our product offerings to meet customer demand .

we believe this process , which develops a customer-focused business plan for each merchandise category , and our global sourcing operation are critical to improving comparable store sales , gross margin and inventory productivity. .

what was the number of new stores in 2008 and 2012?

Question: so what was the average during this time?

Answer: 112.5


page 31 of 94 other liquidity items cash payments required for long-term debt maturities , rental payments under noncancellable operating leases , purchase obligations and other commitments in effect at december 31 , 2007 , are summarized in the following table: .

total payments on contractual obligations $ 9517.7 $ 2918.1 $ 3985.2 $ 1947.0 $ 667.4 ( a ) amounts reported in local currencies have been translated at the year-end exchange rates .

( b ) for variable rate facilities , amounts are based on interest rates in effect at year end and do not contemplate the effects of hedging instruments .

( c ) the company 2019s purchase obligations include contracted amounts for aluminum , steel , plastic resin and other direct materials .

also included are commitments for purchases of natural gas and electricity , aerospace and technologies contracts and other less significant items .

in cases where variable prices and/or usage are involved , management 2019s best estimates have been used .

depending on the circumstances , early termination of the contracts may not result in penalties and , therefore , actual payments could vary significantly .

contributions to the company 2019s defined benefit pension plans , not including the unfunded german plans , are expected to be $ 49 million in 2008 .

this estimate may change based on plan asset performance .

benefit payments related to these plans are expected to be $ 66 million , $ 70 million , $ 74 million , $ 77 million and $ 82 million for the years ending december 31 , 2008 through 2012 , respectively , and a total of $ 473 million for the years 2013 through 2017 .

payments to participants in the unfunded german plans are expected to be approximately $ 26 million in each of the years 2008 through 2012 and a total of $ 136 million for the years 2013 through 2017 .

in accordance with united kingdom pension regulations , ball has provided an a38 million guarantee to the plan for its defined benefit plan in the united kingdom .

if the company 2019s credit rating falls below specified levels , ball will be required to either : ( 1 ) contribute an additional a38 million to the plan ; ( 2 ) provide a letter of credit to the plan in that amount or ( 3 ) if imposed by the appropriate regulatory agency , provide a lien on company assets in that amount for the benefit of the plan .

the guarantee can be removed upon approval by both ball and the pension plan trustees .

our share repurchase program in 2007 was $ 211.3 million , net of issuances , compared to $ 45.7 million net repurchases in 2006 and $ 358.1 million in 2005 .

the net repurchases included the $ 51.9 million settlement on january 5 , 2007 , of a forward contract entered into in december 2006 for the repurchase of 1200000 shares .

however , the 2007 net repurchases did not include a forward contract entered into in december 2007 for the repurchase of 675000 shares .

the contract was settled on january 7 , 2008 , for $ 31 million in cash .

on december 12 , 2007 , in a privately negotiated transaction , ball entered into an accelerated share repurchase agreement to buy $ 100 million of its common shares using cash on hand and available borrowings .

the company advanced the $ 100 million on january 7 , 2008 , and received approximately 2 million shares , which represented 90 percent of the total shares as calculated using the previous day 2019s closing price .

the exact number of shares to be repurchased under the agreement , which will be determined on the settlement date ( no later than june 5 , 2008 ) , is subject to an adjustment based on a weighted average price calculation for the period between the initial purchase date and the settlement date .

the company has the option to settle the contract in either cash or shares .

including the settlements of the forward share purchase contract and the accelerated share repurchase agreement , we expect to repurchase approximately $ 300 million of our common shares , net of issuances , in 2008 .

annual cash dividends paid on common stock were 40 cents per share in 2007 , 2006 and 2005 .

total dividends paid were $ 40.6 million in 2007 , $ 41 million in 2006 and $ 42.5 million in 2005. .

1	( $ in millions )	payments due by period ( a ) total	payments due by period ( a ) less than 1 year	payments due by period ( a ) 1-3 years	payments due by period ( a ) 3-5 years	payments due by period ( a ) more than 5 years

2	long-term debt	$ 2302.6	$ 126.1	$ 547.6	$ 1174.9	$ 454.0

3	capital lease obligations	4.4	1.0	0.8	0.5	2.1

4	interest payments on long-term debt ( b )	698.6	142.9	246.3	152.5	156.9

5	operating leases	218.5	49.9	71.7	42.5	54.4

6	purchase obligations ( c )	6092.6	2397.2	3118.8	576.6	2013

7	common stock repurchase agreements	131.0	131.0	2013	2013	2013

8	legal settlement	70.0	70.0	2013	2013	2013

9	total payments on contractual obligations	$ 9517.7	$ 2918.1	$ 3985.2	$ 1947.0	$ 667.4

Question: what was the cash dividend paid per common stock share in 2006?

Answer: 40.0


total payments on contractual obligations $ 9517.7 $ 2918.1 $ 3985.2 $ 1947.0 $ 667.4 ( a ) amounts reported in local currencies have been translated at the year-end exchange rates .

( b ) for variable rate facilities , amounts are based on interest rates in effect at year end and do not contemplate the effects of hedging instruments .

( c ) the company 2019s purchase obligations include contracted amounts for aluminum , steel , plastic resin and other direct materials .

also included are commitments for purchases of natural gas and electricity , aerospace and technologies contracts and other less significant items .

in cases where variable prices and/or usage are involved , management 2019s best estimates have been used .

depending on the circumstances , early termination of the contracts may not result in penalties and , therefore , actual payments could vary significantly .

contributions to the company 2019s defined benefit pension plans , not including the unfunded german plans , are expected to be $ 49 million in 2008 .

this estimate may change based on plan asset performance .

benefit payments related to these plans are expected to be $ 66 million , $ 70 million , $ 74 million , $ 77 million and $ 82 million for the years ending december 31 , 2008 through 2012 , respectively , and a total of $ 473 million for the years 2013 through 2017 .

payments to participants in the unfunded german plans are expected to be approximately $ 26 million in each of the years 2008 through 2012 and a total of $ 136 million for the years 2013 through 2017 .

in accordance with united kingdom pension regulations , ball has provided an a38 million guarantee to the plan for its defined benefit plan in the united kingdom .

if the company 2019s credit rating falls below specified levels , ball will be required to either : ( 1 ) contribute an additional a38 million to the plan ; ( 2 ) provide a letter of credit to the plan in that amount or ( 3 ) if imposed by the appropriate regulatory agency , provide a lien on company assets in that amount for the benefit of the plan .

the guarantee can be removed upon approval by both ball and the pension plan trustees .

our share repurchase program in 2007 was $ 211.3 million , net of issuances , compared to $ 45.7 million net repurchases in 2006 and $ 358.1 million in 2005 .

the net repurchases included the $ 51.9 million settlement on january 5 , 2007 , of a forward contract entered into in december 2006 for the repurchase of 1200000 shares .

however , the 2007 net repurchases did not include a forward contract entered into in december 2007 for the repurchase of 675000 shares .

the contract was settled on january 7 , 2008 , for $ 31 million in cash .

on december 12 , 2007 , in a privately negotiated transaction , ball entered into an accelerated share repurchase agreement to buy $ 100 million of its common shares using cash on hand and available borrowings .

the company advanced the $ 100 million on january 7 , 2008 , and received approximately 2 million shares , which represented 90 percent of the total shares as calculated using the previous day 2019s closing price .

the exact number of shares to be repurchased under the agreement , which will be determined on the settlement date ( no later than june 5 , 2008 ) , is subject to an adjustment based on a weighted average price calculation for the period between the initial purchase date and the settlement date .

the company has the option to settle the contract in either cash or shares .

including the settlements of the forward share purchase contract and the accelerated share repurchase agreement , we expect to repurchase approximately $ 300 million of our common shares , net of issuances , in 2008 .

annual cash dividends paid on common stock were 40 cents per share in 2007 , 2006 and 2005 .

total dividends paid were $ 40.6 million in 2007 , $ 41 million in 2006 and $ 42.5 million in 2005. .

what was the cash dividend paid per common stock share in 2006?

Question: what is that divided by 100?

Answer: 0.4


total payments on contractual obligations $ 9517.7 $ 2918.1 $ 3985.2 $ 1947.0 $ 667.4 ( a ) amounts reported in local currencies have been translated at the year-end exchange rates .

( b ) for variable rate facilities , amounts are based on interest rates in effect at year end and do not contemplate the effects of hedging instruments .

( c ) the company 2019s purchase obligations include contracted amounts for aluminum , steel , plastic resin and other direct materials .

also included are commitments for purchases of natural gas and electricity , aerospace and technologies contracts and other less significant items .

in cases where variable prices and/or usage are involved , management 2019s best estimates have been used .

depending on the circumstances , early termination of the contracts may not result in penalties and , therefore , actual payments could vary significantly .

contributions to the company 2019s defined benefit pension plans , not including the unfunded german plans , are expected to be $ 49 million in 2008 .

this estimate may change based on plan asset performance .

benefit payments related to these plans are expected to be $ 66 million , $ 70 million , $ 74 million , $ 77 million and $ 82 million for the years ending december 31 , 2008 through 2012 , respectively , and a total of $ 473 million for the years 2013 through 2017 .

payments to participants in the unfunded german plans are expected to be approximately $ 26 million in each of the years 2008 through 2012 and a total of $ 136 million for the years 2013 through 2017 .

in accordance with united kingdom pension regulations , ball has provided an a38 million guarantee to the plan for its defined benefit plan in the united kingdom .

if the company 2019s credit rating falls below specified levels , ball will be required to either : ( 1 ) contribute an additional a38 million to the plan ; ( 2 ) provide a letter of credit to the plan in that amount or ( 3 ) if imposed by the appropriate regulatory agency , provide a lien on company assets in that amount for the benefit of the plan .

the guarantee can be removed upon approval by both ball and the pension plan trustees .

our share repurchase program in 2007 was $ 211.3 million , net of issuances , compared to $ 45.7 million net repurchases in 2006 and $ 358.1 million in 2005 .

the net repurchases included the $ 51.9 million settlement on january 5 , 2007 , of a forward contract entered into in december 2006 for the repurchase of 1200000 shares .

however , the 2007 net repurchases did not include a forward contract entered into in december 2007 for the repurchase of 675000 shares .

the contract was settled on january 7 , 2008 , for $ 31 million in cash .

on december 12 , 2007 , in a privately negotiated transaction , ball entered into an accelerated share repurchase agreement to buy $ 100 million of its common shares using cash on hand and available borrowings .

the company advanced the $ 100 million on january 7 , 2008 , and received approximately 2 million shares , which represented 90 percent of the total shares as calculated using the previous day 2019s closing price .

the exact number of shares to be repurchased under the agreement , which will be determined on the settlement date ( no later than june 5 , 2008 ) , is subject to an adjustment based on a weighted average price calculation for the period between the initial purchase date and the settlement date .

the company has the option to settle the contract in either cash or shares .

including the settlements of the forward share purchase contract and the accelerated share repurchase agreement , we expect to repurchase approximately $ 300 million of our common shares , net of issuances , in 2008 .

annual cash dividends paid on common stock were 40 cents per share in 2007 , 2006 and 2005 .

total dividends paid were $ 40.6 million in 2007 , $ 41 million in 2006 and $ 42.5 million in 2005. .

Question: what were total dividends paid in 2006?

Answer: 41.0


total payments on contractual obligations $ 9517.7 $ 2918.1 $ 3985.2 $ 1947.0 $ 667.4 ( a ) amounts reported in local currencies have been translated at the year-end exchange rates .

( b ) for variable rate facilities , amounts are based on interest rates in effect at year end and do not contemplate the effects of hedging instruments .

( c ) the company 2019s purchase obligations include contracted amounts for aluminum , steel , plastic resin and other direct materials .

also included are commitments for purchases of natural gas and electricity , aerospace and technologies contracts and other less significant items .

in cases where variable prices and/or usage are involved , management 2019s best estimates have been used .

depending on the circumstances , early termination of the contracts may not result in penalties and , therefore , actual payments could vary significantly .

contributions to the company 2019s defined benefit pension plans , not including the unfunded german plans , are expected to be $ 49 million in 2008 .

this estimate may change based on plan asset performance .

benefit payments related to these plans are expected to be $ 66 million , $ 70 million , $ 74 million , $ 77 million and $ 82 million for the years ending december 31 , 2008 through 2012 , respectively , and a total of $ 473 million for the years 2013 through 2017 .

payments to participants in the unfunded german plans are expected to be approximately $ 26 million in each of the years 2008 through 2012 and a total of $ 136 million for the years 2013 through 2017 .

in accordance with united kingdom pension regulations , ball has provided an a38 million guarantee to the plan for its defined benefit plan in the united kingdom .

if the company 2019s credit rating falls below specified levels , ball will be required to either : ( 1 ) contribute an additional a38 million to the plan ; ( 2 ) provide a letter of credit to the plan in that amount or ( 3 ) if imposed by the appropriate regulatory agency , provide a lien on company assets in that amount for the benefit of the plan .

the guarantee can be removed upon approval by both ball and the pension plan trustees .

our share repurchase program in 2007 was $ 211.3 million , net of issuances , compared to $ 45.7 million net repurchases in 2006 and $ 358.1 million in 2005 .

the net repurchases included the $ 51.9 million settlement on january 5 , 2007 , of a forward contract entered into in december 2006 for the repurchase of 1200000 shares .

however , the 2007 net repurchases did not include a forward contract entered into in december 2007 for the repurchase of 675000 shares .

the contract was settled on january 7 , 2008 , for $ 31 million in cash .

on december 12 , 2007 , in a privately negotiated transaction , ball entered into an accelerated share repurchase agreement to buy $ 100 million of its common shares using cash on hand and available borrowings .

the company advanced the $ 100 million on january 7 , 2008 , and received approximately 2 million shares , which represented 90 percent of the total shares as calculated using the previous day 2019s closing price .

the exact number of shares to be repurchased under the agreement , which will be determined on the settlement date ( no later than june 5 , 2008 ) , is subject to an adjustment based on a weighted average price calculation for the period between the initial purchase date and the settlement date .

the company has the option to settle the contract in either cash or shares .

including the settlements of the forward share purchase contract and the accelerated share repurchase agreement , we expect to repurchase approximately $ 300 million of our common shares , net of issuances , in 2008 .

annual cash dividends paid on common stock were 40 cents per share in 2007 , 2006 and 2005 .

total dividends paid were $ 40.6 million in 2007 , $ 41 million in 2006 and $ 42.5 million in 2005. .

Question: what is the total dividends paid over the quotient of dividends per share?

Answer: 102.5


credit facility , which was amended in 2013 and 2012 .

in march 2014 , the company 2019s credit facility was further amended to extend the maturity date to march 2019 .

the amount of the aggregate commitment is $ 3.990 billion ( the 201c2014 credit facility 201d ) .

the 2014 credit facility permits the company to request up to an additional $ 1.0 billion of borrowing capacity , subject to lender credit approval , increasing the overall size of the 2014 credit facility to an aggregate principal amount not to exceed $ 4.990 billion .

interest on borrowings outstanding accrues at a rate based on the applicable london interbank offered rate plus a spread .

the 2014 credit facility requires the company not to exceed a maximum leverage ratio ( ratio of net debt to earnings before interest , taxes , depreciation and amortization , where net debt equals total debt less unrestricted cash ) of 3 to 1 , which was satisfied with a ratio of less than 1 to 1 at december 31 , 2014 .

the 2014 credit facility provides back-up liquidity , funds ongoing working capital for general corporate purposes and funds various investment opportunities .

at december 31 , 2014 , the company had no amount outstanding under the 2014 credit facility .

on october 14 , 2009 , blackrock established a commercial paper program ( the 201ccp program 201d ) under which the company could issue unsecured commercial paper notes ( the 201ccp notes 201d ) on a private placement basis up to a maximum aggregate amount outstanding at any time of $ 3.0 billion .

blackrock increased the maximum aggregate amount that could be borrowed under the cp program to $ 3.5 billion in 2011 and to $ 3.785 billion in 2012 .

in april 2013 , blackrock increased the maximum aggregate amount for which the company could issue unsecured cp notes on a private-placement basis up to a maximum aggregate amount outstanding at any time of $ 3.990 billion .

the cp program is currently supported by the 2014 credit facility .

at december 31 , 2014 , blackrock had no cp notes outstanding .

long-term borrowings the carrying value and fair value of long-term borrowings estimated using market prices at december 31 , 2014 included the following : ( in millions ) maturity amount unamortized discount carrying value fair value .

long-term borrowings at december 31 , 2013 had a carrying value of $ 4.939 billion and a fair value of $ 5.284 billion determined using market prices at the end of december 2013 .

in march 2014 , the company issued $ 1.0 billion in aggregate principal amount of 3.50% ( 3.50 % ) senior unsecured and unsubordinated notes maturing on march 18 , 2024 ( the 201c2024 notes 201d ) .

the net proceeds of the 2024 notes were used to refinance certain indebtedness which matured in the fourth quarter of 2014 .

interest is payable semi-annually in arrears on march 18 and september 18 of each year , or approximately $ 35 million per year .

the 2024 notes may be redeemed prior to maturity at any time in whole or in part at the option of the company at a 201cmake-whole 201d redemption price .

the 2024 notes were issued at a discount of $ 3 million that is being amortized over the term of the notes .

the company incurred approximately $ 6 million of debt issuance costs , which are being amortized over the term of the 2024 notes .

at december 31 , 2014 , $ 6 million of unamortized debt issuance costs was included in other assets on the consolidated statement of financial condition .

in may 2012 , the company issued $ 1.5 billion in aggregate principal amount of unsecured unsubordinated obligations .

these notes were issued as two separate series of senior debt securities , including $ 750 million of 1.375% ( 1.375 % ) notes maturing in june 2015 ( the 201c2015 notes 201d ) and $ 750 million of 3.375% ( 3.375 % ) notes maturing in june 2022 ( the 201c2022 notes 201d ) .

net proceeds were used to fund the repurchase of blackrock 2019s common stock and series b preferred from barclays and affiliates and for general corporate purposes .

interest on the 2015 notes and the 2022 notes of approximately $ 10 million and $ 25 million per year , respectively , is payable semi-annually on june 1 and december 1 of each year , which commenced december 1 , 2012 .

the 2015 notes and 2022 notes may be redeemed prior to maturity at any time in whole or in part at the option of the company at a 201cmake-whole 201d redemption price .

the 201cmake-whole 201d redemption price represents a price , subject to the specific terms of the 2015 and 2022 notes and related indenture , that is the greater of ( a ) par value and ( b ) the present value of future payments that will not be paid because of an early redemption , which is discounted at a fixed spread over a comparable treasury security .

the 2015 notes and 2022 notes were issued at a discount of $ 5 million that is being amortized over the term of the notes .

the company incurred approximately $ 7 million of debt issuance costs , which are being amortized over the respective terms of the 2015 notes and 2022 notes .

at december 31 , 2014 , $ 4 million of unamortized debt issuance costs was included in other assets on the consolidated statement of financial condition .

in may 2011 , the company issued $ 1.5 billion in aggregate principal amount of unsecured unsubordinated obligations .

these notes were issued as two separate series of senior debt securities , including $ 750 million of 4.25% ( 4.25 % ) notes maturing in may 2021 and $ 750 million of floating rate notes ( 201c2013 floating rate notes 201d ) , which were repaid in may 2013 at maturity .

net proceeds of this offering were used to fund the repurchase of blackrock 2019s series b preferred from affiliates of merrill lynch & co. , inc .

Question: what is the fair value of notes due in 2015 plus those due 2017?

Answer: 1538.0


long-term borrowings at december 31 , 2013 had a carrying value of $ 4.939 billion and a fair value of $ 5.284 billion determined using market prices at the end of december 2013 .

in march 2014 , the company issued $ 1.0 billion in aggregate principal amount of 3.50% ( 3.50 % ) senior unsecured and unsubordinated notes maturing on march 18 , 2024 ( the 201c2024 notes 201d ) .

the net proceeds of the 2024 notes were used to refinance certain indebtedness which matured in the fourth quarter of 2014 .

interest is payable semi-annually in arrears on march 18 and september 18 of each year , or approximately $ 35 million per year .

the 2024 notes may be redeemed prior to maturity at any time in whole or in part at the option of the company at a 201cmake-whole 201d redemption price .

the 2024 notes were issued at a discount of $ 3 million that is being amortized over the term of the notes .

the company incurred approximately $ 6 million of debt issuance costs , which are being amortized over the term of the 2024 notes .

at december 31 , 2014 , $ 6 million of unamortized debt issuance costs was included in other assets on the consolidated statement of financial condition .

in may 2012 , the company issued $ 1.5 billion in aggregate principal amount of unsecured unsubordinated obligations .

these notes were issued as two separate series of senior debt securities , including $ 750 million of 1.375% ( 1.375 % ) notes maturing in june 2015 ( the 201c2015 notes 201d ) and $ 750 million of 3.375% ( 3.375 % ) notes maturing in june 2022 ( the 201c2022 notes 201d ) .

net proceeds were used to fund the repurchase of blackrock 2019s common stock and series b preferred from barclays and affiliates and for general corporate purposes .

interest on the 2015 notes and the 2022 notes of approximately $ 10 million and $ 25 million per year , respectively , is payable semi-annually on june 1 and december 1 of each year , which commenced december 1 , 2012 .

the 2015 notes and 2022 notes may be redeemed prior to maturity at any time in whole or in part at the option of the company at a 201cmake-whole 201d redemption price .

the 201cmake-whole 201d redemption price represents a price , subject to the specific terms of the 2015 and 2022 notes and related indenture , that is the greater of ( a ) par value and ( b ) the present value of future payments that will not be paid because of an early redemption , which is discounted at a fixed spread over a comparable treasury security .

the 2015 notes and 2022 notes were issued at a discount of $ 5 million that is being amortized over the term of the notes .

the company incurred approximately $ 7 million of debt issuance costs , which are being amortized over the respective terms of the 2015 notes and 2022 notes .

at december 31 , 2014 , $ 4 million of unamortized debt issuance costs was included in other assets on the consolidated statement of financial condition .

in may 2011 , the company issued $ 1.5 billion in aggregate principal amount of unsecured unsubordinated obligations .

these notes were issued as two separate series of senior debt securities , including $ 750 million of 4.25% ( 4.25 % ) notes maturing in may 2021 and $ 750 million of floating rate notes ( 201c2013 floating rate notes 201d ) , which were repaid in may 2013 at maturity .

net proceeds of this offering were used to fund the repurchase of blackrock 2019s series b preferred from affiliates of merrill lynch & co. , inc .

what is the fair value of notes due in 2015 plus those due 2017?

Question: what is the fair value of those due 2019?

Answer: 1134.0


long-term borrowings at december 31 , 2013 had a carrying value of $ 4.939 billion and a fair value of $ 5.284 billion determined using market prices at the end of december 2013 .

in march 2014 , the company issued $ 1.0 billion in aggregate principal amount of 3.50% ( 3.50 % ) senior unsecured and unsubordinated notes maturing on march 18 , 2024 ( the 201c2024 notes 201d ) .

the net proceeds of the 2024 notes were used to refinance certain indebtedness which matured in the fourth quarter of 2014 .

interest is payable semi-annually in arrears on march 18 and september 18 of each year , or approximately $ 35 million per year .

the 2024 notes may be redeemed prior to maturity at any time in whole or in part at the option of the company at a 201cmake-whole 201d redemption price .

the 2024 notes were issued at a discount of $ 3 million that is being amortized over the term of the notes .

the company incurred approximately $ 6 million of debt issuance costs , which are being amortized over the term of the 2024 notes .

at december 31 , 2014 , $ 6 million of unamortized debt issuance costs was included in other assets on the consolidated statement of financial condition .

in may 2012 , the company issued $ 1.5 billion in aggregate principal amount of unsecured unsubordinated obligations .

these notes were issued as two separate series of senior debt securities , including $ 750 million of 1.375% ( 1.375 % ) notes maturing in june 2015 ( the 201c2015 notes 201d ) and $ 750 million of 3.375% ( 3.375 % ) notes maturing in june 2022 ( the 201c2022 notes 201d ) .

net proceeds were used to fund the repurchase of blackrock 2019s common stock and series b preferred from barclays and affiliates and for general corporate purposes .

interest on the 2015 notes and the 2022 notes of approximately $ 10 million and $ 25 million per year , respectively , is payable semi-annually on june 1 and december 1 of each year , which commenced december 1 , 2012 .

the 2015 notes and 2022 notes may be redeemed prior to maturity at any time in whole or in part at the option of the company at a 201cmake-whole 201d redemption price .

the 201cmake-whole 201d redemption price represents a price , subject to the specific terms of the 2015 and 2022 notes and related indenture , that is the greater of ( a ) par value and ( b ) the present value of future payments that will not be paid because of an early redemption , which is discounted at a fixed spread over a comparable treasury security .

the 2015 notes and 2022 notes were issued at a discount of $ 5 million that is being amortized over the term of the notes .

the company incurred approximately $ 7 million of debt issuance costs , which are being amortized over the respective terms of the 2015 notes and 2022 notes .

at december 31 , 2014 , $ 4 million of unamortized debt issuance costs was included in other assets on the consolidated statement of financial condition .

in may 2011 , the company issued $ 1.5 billion in aggregate principal amount of unsecured unsubordinated obligations .

these notes were issued as two separate series of senior debt securities , including $ 750 million of 4.25% ( 4.25 % ) notes maturing in may 2021 and $ 750 million of floating rate notes ( 201c2013 floating rate notes 201d ) , which were repaid in may 2013 at maturity .

net proceeds of this offering were used to fund the repurchase of blackrock 2019s series b preferred from affiliates of merrill lynch & co. , inc .

what is the fair value of those due 2019?

Question: what is the total sum including all 3 years?

Answer: 2672.0


our debt issuances in 2014 were as follows : ( in millions ) type face value ( e ) interest rate issuance maturity euro notes ( a ) 20ac750 ( approximately $ 1029 ) 1.875% ( 1.875 % ) march 2014 march 2021 euro notes ( a ) 20ac1000 ( approximately $ 1372 ) 2.875% ( 2.875 % ) march 2014 march 2026 euro notes ( b ) 20ac500 ( approximately $ 697 ) 2.875% ( 2.875 % ) may 2014 may 2029 swiss franc notes ( c ) chf275 ( approximately $ 311 ) 0.750% ( 0.750 % ) may 2014 december 2019 swiss franc notes ( b ) chf250 ( approximately $ 283 ) 1.625% ( 1.625 % ) may 2014 may 2024 u.s .

dollar notes ( d ) $ 500 1.250% ( 1.250 % ) november 2014 november 2017 u.s .

dollar notes ( d ) $ 750 3.250% ( 3.250 % ) november 2014 november 2024 u.s .

dollar notes ( d ) $ 750 4.250% ( 4.250 % ) november 2014 november 2044 ( a ) interest on these notes is payable annually in arrears beginning in march 2015 .

( b ) interest on these notes is payable annually in arrears beginning in may 2015 .

( c ) interest on these notes is payable annually in arrears beginning in december 2014 .

( d ) interest on these notes is payable semiannually in arrears beginning in may 2015 .

dollar equivalents for foreign currency notes were calculated based on exchange rates on the date of issuance .

the net proceeds from the sale of the securities listed in the table above will be used for general corporate purposes .

the weighted-average time to maturity of our long-term debt was 10.8 years at the end of 2013 and 2014 .

2022 off-balance sheet arrangements and aggregate contractual obligations we have no off-balance sheet arrangements , including special purpose entities , other than guarantees and contractual obligations discussed below .

guarantees 2013 at december 31 , 2014 , we were contingently liable for $ 1.0 billion of guarantees of our own performance , which were primarily related to excise taxes on the shipment of our products .

there is no liability in the consolidated financial statements associated with these guarantees .

at december 31 , 2014 , our third-party guarantees were insignificant. .

1	type		face value ( e )	interest rate	issuance	maturity

2	euro notes	( a )	20ac750 ( approximately $ 1029 )	1.875% ( 1.875 % )	march 2014	march 2021

3	euro notes	( a )	20ac1000 ( approximately $ 1372 )	2.875% ( 2.875 % )	march 2014	march 2026

4	euro notes	( b )	20ac500 ( approximately $ 697 )	2.875% ( 2.875 % )	may 2014	may 2029

5	swiss franc notes	( c )	chf275 ( approximately $ 311 )	0.750% ( 0.750 % )	may 2014	december 2019

6	swiss franc notes	( b )	chf250 ( approximately $ 283 )	1.625% ( 1.625 % )	may 2014	may 2024

7	u.s . dollar notes	( d )	$ 500	1.250% ( 1.250 % )	november 2014	november 2017

8	u.s . dollar notes	( d )	$ 750	3.250% ( 3.250 % )	november 2014	november 2024

9	u.s . dollar notes	( d )	$ 750	4.250% ( 4.250 % )	november 2014	november 2044

Question: what was the total of us dollar notes issued in november of 2014, in millions?

Answer: 1500.0


what was the total of us dollar notes issued in november of 2014, in millions?

Question: and what was that total for the entire year?

Answer: 2000.0


and what was that total for the entire year?

Question: and concerning the euro notes, what was their full total for 2014, also in millions?

Answer: 3098.0


reinsurance commissions , fees and other revenue decreased 2% ( 2 % ) in 2014 reflecting a 1% ( 1 % ) unfavorable impact from foreign currency exchange rates and 1% ( 1 % ) decline in organic revenue growth due primarily to a significant unfavorable market impact in treaty , partially offset by net new business growth in treaty placements globally and growth in capital markets transactions and advisory business , as well as facultative placements .

operating income operating income increased $ 108 million , or 7% ( 7 % ) , from 2013 to $ 1.6 billion in 2014 .

in 2014 , operating income margins in this segment were 21.0% ( 21.0 % ) , an increase of 120 basis points from 19.8% ( 19.8 % ) in 2013 .

operating margin improvement was driven by solid organic revenue growth , return on investments , expense discipline and savings related to the restructuring programs , partially offset by a $ 61 million unfavorable impact from foreign currency exchange rates .

our hr solutions segment generated approximately 35% ( 35 % ) of our consolidated total revenues in 2014 and provides a broad range of human capital services , as follows : 2022 retirement specializes in global actuarial services , defined contribution consulting , tax and erisa consulting , and pension administration .

2022 compensation focuses on compensatory advisory/counsel including : compensation planning design , executive reward strategies , salary survey and benchmarking , market share studies and sales force effectiveness , with special expertise in the financial services and technology industries .

2022 strategic human capital delivers advice to complex global organizations on talent , change and organizational effectiveness issues , including talent strategy and acquisition , executive on-boarding , performance management , leadership assessment and development , communication strategy , workforce training and change management .

2022 investment consulting advises public and private companies , other institutions and trustees on developing and maintaining investment programs across a broad range of plan types , including defined benefit plans , defined contribution plans , endowments and foundations .

2022 benefits administration applies our human resource expertise primarily through defined benefit ( pension ) , defined contribution ( 401 ( k ) ) , and health and welfare administrative services .

our model replaces the resource-intensive processes once required to administer benefit plans with more efficient , effective , and less costly solutions .

2022 exchanges is building and operating healthcare exchanges that provide employers with a cost effective alternative to traditional employee and retiree healthcare , while helping individuals select the insurance that best meets their needs .

2022 human resource business processing outsourcing provides market-leading solutions to manage employee data ; administer benefits , payroll and other human resources processes ; and record and manage talent , workforce and other core human resource process transactions as well as other complementary services such as flexible spending , dependent audit and participant advocacy .

disruption in the global credit markets and the deterioration of the financial markets created significant uncertainty in the marketplace .

weak economic conditions in many markets around the globe continued throughout 2014 and have adversely impacted our clients' financial condition and therefore the levels of business activities in the industries and geographies where we operate .

while we believe that the majority of our practices are well positioned to manage through this time , these challenges are reducing demand for some of our services and putting continued pressure on the pricing of those services , which is having an adverse effect on our new business and results of operations. .

Question: what was total operating income in 2013?

Answer: 1.6


what was total operating income in 2013?

Question: what is that times 1000?

Answer: 1600.0


Question: what is that less the operating income growth value in 2013?

Answer: 1492.0


supplementary information on oil and gas producing activities ( unaudited ) c o n t i n u e d summary of changes in standardized measure of discounted future net cash flows relating to proved oil and gas reserves ( in millions ) 2007 2006 2005 sales and transfers of oil and gas produced , net of production , transportation and administrative costs $ ( 4887 ) $ ( 5312 ) $ ( 3754 ) net changes in prices and production , transportation and administrative costs related to future production 12845 ( 1342 ) 6648 .

1	( in millions )	2007	2006	2005

2	sales and transfers of oil and gas produced net of production transportation and administrative costs	$ -4887 ( 4887 )	$ -5312 ( 5312 )	$ -3754 ( 3754 )

3	net changes in prices and production transportation and administrative costs related to future production	12845	-1342 ( 1342 )	6648

4	extensions discoveries and improved recovery less related costs	1816	1290	700

5	development costs incurred during the period	1654	1251	1030

6	changes in estimated future development costs	-1727 ( 1727 )	-527 ( 527 )	-552 ( 552 )

7	revisions of previous quantity estimates	290	1319	820

8	net changes in purchases and sales of minerals in place	23	30	4557

9	accretion of discount	1726	1882	1124

10	net change in income taxes	-6751 ( 6751 )	-660 ( 660 )	-6694 ( 6694 )

11	timing and other	-12 ( 12 )	-14 ( 14 )	307

12	net change for the year	4977	-2083 ( 2083 )	4186

13	beginning of year	8518	10601	6415

14	end of year	$ 13495	$ 8518	$ 10601

15	net change for the year from discontinued operations	$ 2013	$ -216 ( 216 )	$ 162

Question: what was the net change in development costs from 2006 to 2007?

Answer: 403.0


what was the net change in development costs from 2006 to 2007?

Question: what were development costs in 2007?

Answer: 1654.0


Question: what is the net change added to the 2007 costs?

Answer: 2057.0


2022 net revenues in our connected fitness operating segment increased $ 34.2 million to $ 53.4 million in 2015 from $ 19.2 million in 2014 primarily due to revenues generated from our two connected fitness acquisitions in 2015 and growth in our existing connected fitness business .

operating income ( loss ) by segment is summarized below: .

the increase in total operating income was driven by the following : 2022 operating income in our north america operating segment increased $ 88.6 million to $ 461.0 million in 2015 from $ 372.4 million in 2014 primarily due to the items discussed above in the consolidated results of operations .

2022 operating income in our emea operating segment increased $ 14.9 million to $ 3.1 million in 2015 from a loss of $ 11.8 million in 2014 primarily due to sales growth discussed above in the consolidated results of operations .

2022 operating income in our asia-pacific operating segment increased $ 14.5 million to $ 36.4 million in 2015 from $ 21.9 million in 2014 primarily due to sales growth discussed above in the consolidated results of operations .

2022 operating loss in our latin america operating segment increased $ 15.2 million to $ 30.6 million in 2015 from $ 15.4 million in 2014 primarily due to increased investments to support growth in the region and the economic challenges in brazil during the period .

this increase in operating loss was offset by sales growth discussed above .

2022 operating loss in our connected fitness segment increased $ 48.2 million to $ 61.3 million in 2015 from $ 13.1 million in 2014 primarily due to investments to support growth in our connected fitness business , including the impact of our two connected fitness acquisitions in 2015 .

these acquisitions contributed $ 23.6 million to the operating loss for the connected fitness segment in 2015 .

seasonality historically , we have recognized a majority of our net revenues and a significant portion of our income from operations in the last two quarters of the year , driven primarily by increased sales volume of our products during the fall selling season , including our higher priced cold weather products , along with a larger proportion of higher margin direct to consumer sales .

seasonality could have an impact on the timing of accruals if the sales in the last two quarters of the year do not materialize .

the level of our working capital generally reflects the seasonality and growth in our business .

we generally expect inventory , accounts payable and certain accrued expenses to be higher in the second and third quarters in preparation for the fall selling season. .

Question: what is the connected fitness value in 2014?

Answer: -13064.0


what is the connected fitness value in 2014?

Question: what is that divided by 1000?

Answer: -13.064


Question: what is that divided by 2014 net revenues?

Answer: -0.68042


stockholder return performance graphs the following graph compares the cumulative 5-year total stockholder return on our common stock relative to the cumulative total return of the nasdaq composite index and the s&p 400 information technology index .

the graph assumes that the value of the investment in our common stock and in each index ( including reinvestment of dividends ) was $ 100 on december 29 , 2007 and tracks it through december 29 , 2012 .

comparison of 5 year cumulative total return* among cadence design systems , inc. , the nasdaq composite index , and s&p 400 information technology cadence design systems , inc .

nasdaq composite s&p 400 information technology 12/29/1212/31/111/1/111/2/101/3/0912/29/07 *$ 100 invested on 12/29/07 in stock or 12/31/07 in index , including reinvestment of dividends .

copyright a9 2013 s&p , a division of the mcgraw-hill companies inc .

the stock price performance included in this graph is not necessarily indicative of future stock price performance .

Question: what is the value of an investment in cadence design systems inc. in 2012?

Answer: 78.92


what is the value of an investment in cadence design systems inc. in 2012?

Question: what is the net change in value?

Answer: -21.08


Question: what rate of return does this represent?

Answer: -0.2108


what rate of return does this represent?

Question: what about the net change in value of an investment in nasdaq composite from 2007 to 2012?

Answer: 10.78


what about the net change in value of an investment in nasdaq composite from 2007 to 2012?

Question: what is the rate of return for nasdaq composite?

Answer: 0.1078


what is the rate of return for nasdaq composite?

Question: what is the difference in rate of return among these investments?

Answer: -31.86


of prior service cost or credits , and net actuarial gains or losses ) as part of non-operating income .

2017-07 on january 1 , 2018 using the retrospective transition method .

2017-07 to result in an increase to consolidated operating profit of $ 471 million and $ 846 million for 2016 and 2017 , respectively , and a corresponding decrease in non-operating income for each year .

we do not expect any impact to our business segment operating profit , our consolidated net earnings , or cash flows as a result of adopting asu no .

intangibles-goodwill and other in january 2017 , the fasb issued asu no .

2017-04 , intangibles-goodwill and other ( topic 350 ) , which eliminates the requirement to compare the implied fair value of reporting unit goodwill with the carrying amount of that goodwill ( commonly referred to as step 2 ) from the goodwill impairment test .

the new standard does not change how a goodwill impairment is identified .

wewill continue to perform our quantitative and qualitative goodwill impairment test by comparing the fair value of each reporting unit to its carrying amount , but if we are required to recognize a goodwill impairment charge , under the new standard the amount of the charge will be calculated by subtracting the reporting unit 2019s fair value from its carrying amount .

under the prior standard , if we were required to recognize a goodwill impairment charge , step 2 required us to calculate the implied value of goodwill by assigning the fair value of a reporting unit to all of its assets and liabilities as if that reporting unit had been acquired in a business combination and the amount of the charge was calculated by subtracting the reporting unit 2019s implied fair value of goodwill from its actual goodwill balance .

the new standard is effective for interim and annual reporting periods beginning after december 15 , 2019 , with early adoption permitted , and should be applied prospectively from the date of adoption .

we elected to adopt the new standard for future goodwill impairment tests at the beginning of the third quarter of 2017 , because it significantly simplifies the evaluation of goodwill for impairment .

the impact of the new standard will depend on the outcomes of future goodwill impairment tests .

derivatives and hedging inaugust 2017 , the fasb issuedasu no .

2017-12derivatives and hedging ( topic 815 ) , which eliminates the requirement to separately measure and report hedge ineffectiveness .

the guidance is effective for fiscal years beginning after december 15 , 2018 , with early adoption permitted .

we do not expect a significant impact to our consolidated assets and liabilities , net earnings , or cash flows as a result of adopting this new standard .

we plan to adopt the new standard january 1 , 2019 .

leases in february 2016 , the fasb issuedasu no .

2016-02 , leases ( topic 842 ) , which requires the recognition of lease assets and lease liabilities on the balance sheet and disclosure of key information about leasing arrangements for both lessees and lessors .

the new standard is effective january 1 , 2019 for public companies , with early adoption permitted .

the new standard currently requires the application of a modified retrospective approach to the beginning of the earliest period presented in the financial statements .

we are continuing to evaluate the expected impact to our consolidated financial statements and related disclosures .

we plan to adopt the new standard effective january 1 , 2019 .

note 2 2013 earnings per share theweighted average number of shares outstanding used to compute earnings per common sharewere as follows ( in millions ) : .

we compute basic and diluted earnings per common share by dividing net earnings by the respectiveweighted average number of common shares outstanding for the periods presented .

our calculation of diluted earnings per common share also includes the dilutive effects for the assumed vesting of outstanding restricted stock units ( rsus ) , performance stock units ( psus ) and exercise of outstanding stock options based on the treasury stock method .

there were no significant anti-dilutive equity awards for the years ended december 31 , 2017 , 2016 and 2015 .

note 3 2013 acquisitions and divestitures acquisition of sikorsky aircraft corporation on november 6 , 2015 , we completed the acquisition of sikorsky from united technologies corporation ( utc ) and certain of utc 2019s subsidiaries .

the purchase price of the acquisition was $ 9.0 billion , net of cash acquired .

1		2017	2016	2015

2	weighted average common shares outstanding for basic computations	287.8	299.3	310.3

3	weighted average dilutive effect of equity awards	2.8	3.8	4.4

4	weighted average common shares outstanding for diluted computations	290.6	303.1	314.7

Question: what was the total weighted average common shares outstanding for diluted computations in 2016 and 2017?

Answer: 593.7


of prior service cost or credits , and net actuarial gains or losses ) as part of non-operating income .

2017-07 on january 1 , 2018 using the retrospective transition method .

2017-07 to result in an increase to consolidated operating profit of $ 471 million and $ 846 million for 2016 and 2017 , respectively , and a corresponding decrease in non-operating income for each year .

we do not expect any impact to our business segment operating profit , our consolidated net earnings , or cash flows as a result of adopting asu no .

intangibles-goodwill and other in january 2017 , the fasb issued asu no .

2017-04 , intangibles-goodwill and other ( topic 350 ) , which eliminates the requirement to compare the implied fair value of reporting unit goodwill with the carrying amount of that goodwill ( commonly referred to as step 2 ) from the goodwill impairment test .

the new standard does not change how a goodwill impairment is identified .

wewill continue to perform our quantitative and qualitative goodwill impairment test by comparing the fair value of each reporting unit to its carrying amount , but if we are required to recognize a goodwill impairment charge , under the new standard the amount of the charge will be calculated by subtracting the reporting unit 2019s fair value from its carrying amount .

under the prior standard , if we were required to recognize a goodwill impairment charge , step 2 required us to calculate the implied value of goodwill by assigning the fair value of a reporting unit to all of its assets and liabilities as if that reporting unit had been acquired in a business combination and the amount of the charge was calculated by subtracting the reporting unit 2019s implied fair value of goodwill from its actual goodwill balance .

the new standard is effective for interim and annual reporting periods beginning after december 15 , 2019 , with early adoption permitted , and should be applied prospectively from the date of adoption .

we elected to adopt the new standard for future goodwill impairment tests at the beginning of the third quarter of 2017 , because it significantly simplifies the evaluation of goodwill for impairment .

the impact of the new standard will depend on the outcomes of future goodwill impairment tests .

derivatives and hedging inaugust 2017 , the fasb issuedasu no .

2017-12derivatives and hedging ( topic 815 ) , which eliminates the requirement to separately measure and report hedge ineffectiveness .

the guidance is effective for fiscal years beginning after december 15 , 2018 , with early adoption permitted .

we do not expect a significant impact to our consolidated assets and liabilities , net earnings , or cash flows as a result of adopting this new standard .

we plan to adopt the new standard january 1 , 2019 .

leases in february 2016 , the fasb issuedasu no .

2016-02 , leases ( topic 842 ) , which requires the recognition of lease assets and lease liabilities on the balance sheet and disclosure of key information about leasing arrangements for both lessees and lessors .

the new standard is effective january 1 , 2019 for public companies , with early adoption permitted .

the new standard currently requires the application of a modified retrospective approach to the beginning of the earliest period presented in the financial statements .

we are continuing to evaluate the expected impact to our consolidated financial statements and related disclosures .

we plan to adopt the new standard effective january 1 , 2019 .

note 2 2013 earnings per share theweighted average number of shares outstanding used to compute earnings per common sharewere as follows ( in millions ) : .

what was the total weighted average common shares outstanding for diluted computations in 2016 and 2017?

Question: and including the value for 2015?

Answer: 908.4


of prior service cost or credits , and net actuarial gains or losses ) as part of non-operating income .

2017-07 on january 1 , 2018 using the retrospective transition method .

2017-07 to result in an increase to consolidated operating profit of $ 471 million and $ 846 million for 2016 and 2017 , respectively , and a corresponding decrease in non-operating income for each year .

we do not expect any impact to our business segment operating profit , our consolidated net earnings , or cash flows as a result of adopting asu no .

intangibles-goodwill and other in january 2017 , the fasb issued asu no .

2017-04 , intangibles-goodwill and other ( topic 350 ) , which eliminates the requirement to compare the implied fair value of reporting unit goodwill with the carrying amount of that goodwill ( commonly referred to as step 2 ) from the goodwill impairment test .

the new standard does not change how a goodwill impairment is identified .

wewill continue to perform our quantitative and qualitative goodwill impairment test by comparing the fair value of each reporting unit to its carrying amount , but if we are required to recognize a goodwill impairment charge , under the new standard the amount of the charge will be calculated by subtracting the reporting unit 2019s fair value from its carrying amount .

under the prior standard , if we were required to recognize a goodwill impairment charge , step 2 required us to calculate the implied value of goodwill by assigning the fair value of a reporting unit to all of its assets and liabilities as if that reporting unit had been acquired in a business combination and the amount of the charge was calculated by subtracting the reporting unit 2019s implied fair value of goodwill from its actual goodwill balance .

the new standard is effective for interim and annual reporting periods beginning after december 15 , 2019 , with early adoption permitted , and should be applied prospectively from the date of adoption .

we elected to adopt the new standard for future goodwill impairment tests at the beginning of the third quarter of 2017 , because it significantly simplifies the evaluation of goodwill for impairment .

the impact of the new standard will depend on the outcomes of future goodwill impairment tests .

derivatives and hedging inaugust 2017 , the fasb issuedasu no .

2017-12derivatives and hedging ( topic 815 ) , which eliminates the requirement to separately measure and report hedge ineffectiveness .

the guidance is effective for fiscal years beginning after december 15 , 2018 , with early adoption permitted .

we do not expect a significant impact to our consolidated assets and liabilities , net earnings , or cash flows as a result of adopting this new standard .

we plan to adopt the new standard january 1 , 2019 .

leases in february 2016 , the fasb issuedasu no .

2016-02 , leases ( topic 842 ) , which requires the recognition of lease assets and lease liabilities on the balance sheet and disclosure of key information about leasing arrangements for both lessees and lessors .

the new standard is effective january 1 , 2019 for public companies , with early adoption permitted .

the new standard currently requires the application of a modified retrospective approach to the beginning of the earliest period presented in the financial statements .

we are continuing to evaluate the expected impact to our consolidated financial statements and related disclosures .

we plan to adopt the new standard effective january 1 , 2019 .

note 2 2013 earnings per share theweighted average number of shares outstanding used to compute earnings per common sharewere as follows ( in millions ) : .

Question: so what was the average during this time?

Answer: 302.8


of prior service cost or credits , and net actuarial gains or losses ) as part of non-operating income .

2017-07 on january 1 , 2018 using the retrospective transition method .

2017-07 to result in an increase to consolidated operating profit of $ 471 million and $ 846 million for 2016 and 2017 , respectively , and a corresponding decrease in non-operating income for each year .

we do not expect any impact to our business segment operating profit , our consolidated net earnings , or cash flows as a result of adopting asu no .

intangibles-goodwill and other in january 2017 , the fasb issued asu no .

2017-04 , intangibles-goodwill and other ( topic 350 ) , which eliminates the requirement to compare the implied fair value of reporting unit goodwill with the carrying amount of that goodwill ( commonly referred to as step 2 ) from the goodwill impairment test .

the new standard does not change how a goodwill impairment is identified .

wewill continue to perform our quantitative and qualitative goodwill impairment test by comparing the fair value of each reporting unit to its carrying amount , but if we are required to recognize a goodwill impairment charge , under the new standard the amount of the charge will be calculated by subtracting the reporting unit 2019s fair value from its carrying amount .

under the prior standard , if we were required to recognize a goodwill impairment charge , step 2 required us to calculate the implied value of goodwill by assigning the fair value of a reporting unit to all of its assets and liabilities as if that reporting unit had been acquired in a business combination and the amount of the charge was calculated by subtracting the reporting unit 2019s implied fair value of goodwill from its actual goodwill balance .

the new standard is effective for interim and annual reporting periods beginning after december 15 , 2019 , with early adoption permitted , and should be applied prospectively from the date of adoption .

we elected to adopt the new standard for future goodwill impairment tests at the beginning of the third quarter of 2017 , because it significantly simplifies the evaluation of goodwill for impairment .

the impact of the new standard will depend on the outcomes of future goodwill impairment tests .

derivatives and hedging inaugust 2017 , the fasb issuedasu no .

2017-12derivatives and hedging ( topic 815 ) , which eliminates the requirement to separately measure and report hedge ineffectiveness .

the guidance is effective for fiscal years beginning after december 15 , 2018 , with early adoption permitted .

we do not expect a significant impact to our consolidated assets and liabilities , net earnings , or cash flows as a result of adopting this new standard .

we plan to adopt the new standard january 1 , 2019 .

leases in february 2016 , the fasb issuedasu no .

2016-02 , leases ( topic 842 ) , which requires the recognition of lease assets and lease liabilities on the balance sheet and disclosure of key information about leasing arrangements for both lessees and lessors .

the new standard is effective january 1 , 2019 for public companies , with early adoption permitted .

the new standard currently requires the application of a modified retrospective approach to the beginning of the earliest period presented in the financial statements .

we are continuing to evaluate the expected impact to our consolidated financial statements and related disclosures .

we plan to adopt the new standard effective january 1 , 2019 .

note 2 2013 earnings per share theweighted average number of shares outstanding used to compute earnings per common sharewere as follows ( in millions ) : .

so what was the average during this time?

Question: how much did the weighted average common shares outstanding for diluted computations change between 2016 and 2017?

Answer: -12.5


generally , our variable-rate home equity lines of credit have either a seven or ten year draw period , followed by a 20 year amortization term .

during the draw period , we have home equity lines of credit where borrowers pay interest only and home equity lines of credit where borrowers pay principal and interest .

based upon outstanding balances at december 31 , 2011 , the following table presents the periods when home equity lines of credit draw periods are scheduled to end .

home equity lines of credit - draw period end dates in millions interest only product principal and interest product .

( a ) includes approximately $ 306 million , $ 44 million , $ 60 million , $ 100 million , and $ 246 million of home equity lines of credit with balloon payments with draw periods scheduled to end in 2012 , 2013 , 2014 , 2015 , and 2016 and thereafter , respectively .

we view home equity lines of credit where borrowers are paying principal and interest under the draw period as less risky than those where the borrowers are paying interest only , as these borrowers have a demonstrated ability to make some level of principal and interest payments .

based upon outstanding balances , and excluding purchased impaired loans , at december 31 , 2011 , for home equity lines of credit for which the borrower can no longer draw ( e.g. , draw period has ended or borrowing privileges have been terminated ) , approximately 4.32% ( 4.32 % ) were 30-89 days past due and approximately 5.57% ( 5.57 % ) were greater than or equal to 90 days past due .

generally , when a borrower becomes 60 days past due , we terminate borrowing privileges , and those privileges are not subsequently reinstated .

at that point , we continue our collection/recovery processes , which may include a loss mitigation loan modification resulting in a loan that is classified as a tdr .

see note 5 asset quality and allowances for loan and lease losses and unfunded loan commitments and letters of credit in the notes to consolidated financial statements in item 8 of this report for additional information .

loan modifications and troubled debt restructurings consumer loan modifications we modify loans under government and pnc-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure , where appropriate .

initially , a borrower is evaluated for a modification under a government program .

if a borrower does not qualify under a government program , the borrower is then evaluated under a pnc program .

our programs utilize both temporary and permanent modifications and typically reduce the interest rate , extend the term and/or defer principal .

temporary and permanent modifications under programs involving a change to loan terms are generally classified as tdrs .

further , certain payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as tdrs .

additional detail on tdrs is discussed below as well as in note 5 asset quality and allowances for loan and lease losses and unfunded loan commitments and letters of credit in the notes to consolidated financial statements in item 8 of this report .

a temporary modification , with a term between three and 60 months , involves a change in original loan terms for a period of time and reverts to the original loan terms as of a specific date or the occurrence of an event , such as a failure to pay in accordance with the terms of the modification .

typically , these modifications are for a period of up to 24 months after which the interest rate reverts to the original loan rate .

a permanent modification , with a term greater than 60 months , is a modification in which the terms of the original loan are changed .

permanent modifications primarily include the government-created home affordable modification program ( hamp ) or pnc-developed hamp-like modification programs .

for consumer loan programs , such as residential mortgages and home equity loans and lines , we will enter into a temporary modification when the borrower has indicated a temporary hardship and a willingness to bring current the delinquent loan balance .

examples of this situation often include delinquency due to illness or death in the family , or a loss of employment .

permanent modifications are entered into when it is confirmed that the borrower does not possess the income necessary to continue making loan payments at the current amount , but our expectation is that payments at lower amounts can be made .

residential mortgage and home equity loans and lines have been modified with changes in terms for up to 60 months , although the majority involve periods of three to 24 months .

we also monitor the success rates and delinquency status of our loan modification programs to assess their effectiveness in serving our customers 2019 needs while mitigating credit losses .

the following tables provide the number of accounts and unpaid principal balance of modified consumer real estate related loans as well as the number of accounts and unpaid principal balance of modified loans that were 60 days or more past due as of six months , nine months and twelve months after the modification date .

78 the pnc financial services group , inc .

Question: what is the sum of interest only product in 2012 and principal and interest product in 2012?

Answer: 1170.0


( a ) includes approximately $ 306 million , $ 44 million , $ 60 million , $ 100 million , and $ 246 million of home equity lines of credit with balloon payments with draw periods scheduled to end in 2012 , 2013 , 2014 , 2015 , and 2016 and thereafter , respectively .

we view home equity lines of credit where borrowers are paying principal and interest under the draw period as less risky than those where the borrowers are paying interest only , as these borrowers have a demonstrated ability to make some level of principal and interest payments .

based upon outstanding balances , and excluding purchased impaired loans , at december 31 , 2011 , for home equity lines of credit for which the borrower can no longer draw ( e.g. , draw period has ended or borrowing privileges have been terminated ) , approximately 4.32% ( 4.32 % ) were 30-89 days past due and approximately 5.57% ( 5.57 % ) were greater than or equal to 90 days past due .

generally , when a borrower becomes 60 days past due , we terminate borrowing privileges , and those privileges are not subsequently reinstated .

at that point , we continue our collection/recovery processes , which may include a loss mitigation loan modification resulting in a loan that is classified as a tdr .

see note 5 asset quality and allowances for loan and lease losses and unfunded loan commitments and letters of credit in the notes to consolidated financial statements in item 8 of this report for additional information .

loan modifications and troubled debt restructurings consumer loan modifications we modify loans under government and pnc-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure , where appropriate .

initially , a borrower is evaluated for a modification under a government program .

if a borrower does not qualify under a government program , the borrower is then evaluated under a pnc program .

our programs utilize both temporary and permanent modifications and typically reduce the interest rate , extend the term and/or defer principal .

temporary and permanent modifications under programs involving a change to loan terms are generally classified as tdrs .

further , certain payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as tdrs .

additional detail on tdrs is discussed below as well as in note 5 asset quality and allowances for loan and lease losses and unfunded loan commitments and letters of credit in the notes to consolidated financial statements in item 8 of this report .

a temporary modification , with a term between three and 60 months , involves a change in original loan terms for a period of time and reverts to the original loan terms as of a specific date or the occurrence of an event , such as a failure to pay in accordance with the terms of the modification .

typically , these modifications are for a period of up to 24 months after which the interest rate reverts to the original loan rate .

a permanent modification , with a term greater than 60 months , is a modification in which the terms of the original loan are changed .

permanent modifications primarily include the government-created home affordable modification program ( hamp ) or pnc-developed hamp-like modification programs .

for consumer loan programs , such as residential mortgages and home equity loans and lines , we will enter into a temporary modification when the borrower has indicated a temporary hardship and a willingness to bring current the delinquent loan balance .

examples of this situation often include delinquency due to illness or death in the family , or a loss of employment .

permanent modifications are entered into when it is confirmed that the borrower does not possess the income necessary to continue making loan payments at the current amount , but our expectation is that payments at lower amounts can be made .

residential mortgage and home equity loans and lines have been modified with changes in terms for up to 60 months , although the majority involve periods of three to 24 months .

we also monitor the success rates and delinquency status of our loan modification programs to assess their effectiveness in serving our customers 2019 needs while mitigating credit losses .

the following tables provide the number of accounts and unpaid principal balance of modified consumer real estate related loans as well as the number of accounts and unpaid principal balance of modified loans that were 60 days or more past due as of six months , nine months and twelve months after the modification date .

78 the pnc financial services group , inc .

what is the sum of interest only product in 2012 and principal and interest product in 2012?

Question: what is the value of principal and interest product in 2012?

Answer: 266.0


( a ) includes approximately $ 306 million , $ 44 million , $ 60 million , $ 100 million , and $ 246 million of home equity lines of credit with balloon payments with draw periods scheduled to end in 2012 , 2013 , 2014 , 2015 , and 2016 and thereafter , respectively .

we view home equity lines of credit where borrowers are paying principal and interest under the draw period as less risky than those where the borrowers are paying interest only , as these borrowers have a demonstrated ability to make some level of principal and interest payments .

based upon outstanding balances , and excluding purchased impaired loans , at december 31 , 2011 , for home equity lines of credit for which the borrower can no longer draw ( e.g. , draw period has ended or borrowing privileges have been terminated ) , approximately 4.32% ( 4.32 % ) were 30-89 days past due and approximately 5.57% ( 5.57 % ) were greater than or equal to 90 days past due .

generally , when a borrower becomes 60 days past due , we terminate borrowing privileges , and those privileges are not subsequently reinstated .

at that point , we continue our collection/recovery processes , which may include a loss mitigation loan modification resulting in a loan that is classified as a tdr .

see note 5 asset quality and allowances for loan and lease losses and unfunded loan commitments and letters of credit in the notes to consolidated financial statements in item 8 of this report for additional information .

loan modifications and troubled debt restructurings consumer loan modifications we modify loans under government and pnc-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure , where appropriate .

initially , a borrower is evaluated for a modification under a government program .

if a borrower does not qualify under a government program , the borrower is then evaluated under a pnc program .

our programs utilize both temporary and permanent modifications and typically reduce the interest rate , extend the term and/or defer principal .

temporary and permanent modifications under programs involving a change to loan terms are generally classified as tdrs .

further , certain payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as tdrs .

additional detail on tdrs is discussed below as well as in note 5 asset quality and allowances for loan and lease losses and unfunded loan commitments and letters of credit in the notes to consolidated financial statements in item 8 of this report .

a temporary modification , with a term between three and 60 months , involves a change in original loan terms for a period of time and reverts to the original loan terms as of a specific date or the occurrence of an event , such as a failure to pay in accordance with the terms of the modification .

typically , these modifications are for a period of up to 24 months after which the interest rate reverts to the original loan rate .

a permanent modification , with a term greater than 60 months , is a modification in which the terms of the original loan are changed .

permanent modifications primarily include the government-created home affordable modification program ( hamp ) or pnc-developed hamp-like modification programs .

for consumer loan programs , such as residential mortgages and home equity loans and lines , we will enter into a temporary modification when the borrower has indicated a temporary hardship and a willingness to bring current the delinquent loan balance .

examples of this situation often include delinquency due to illness or death in the family , or a loss of employment .

permanent modifications are entered into when it is confirmed that the borrower does not possess the income necessary to continue making loan payments at the current amount , but our expectation is that payments at lower amounts can be made .

residential mortgage and home equity loans and lines have been modified with changes in terms for up to 60 months , although the majority involve periods of three to 24 months .

we also monitor the success rates and delinquency status of our loan modification programs to assess their effectiveness in serving our customers 2019 needs while mitigating credit losses .

the following tables provide the number of accounts and unpaid principal balance of modified consumer real estate related loans as well as the number of accounts and unpaid principal balance of modified loans that were 60 days or more past due as of six months , nine months and twelve months after the modification date .

78 the pnc financial services group , inc .

what is the value of principal and interest product in 2012?

Question: what is that value over the sum of both product values?

Answer: 0.22735