State insurance statutes contain limitations as to the amount of dividends or distributions that insurers may make without providing prior notification to state regulators.
For RiverSource Life, dividends or distributions in excess of unassigned surplus, as determined in accordance with accounting practices prescribed by the State of Minnesota, require advance notice to the Minnesota Department of Commerce, RiverSource Life’s primary regulator, and are subject to potential disapproval.
RiverSource Life’s statutory unassigned surplus (deficit) aggregated $638 million and $(7) million as of December 31, 2014 and 2013, respectively.
In addition, dividends or distributions, whose fair market value, together with that of other dividends or distributions made within the preceding 12 months, exceeds the greater of the previous year’s statutory net gain from operations or 10% of the previous year-end statutory capital and surplus are referred to as ‘‘extraordinary dividends.
’’ Extraordinary dividends also require advance notice to the Minnesota Department of Commerce, and are subject to potential disapproval.
Statutory capital and surplus for RiverSource Life was $3.3 billion and $2.7 billion at December 31, 2014 and 2013, respectively.
Statutory capital and surplus for IDS Property Casualty was $560 million and $531 million at December 31, 2014 and 2013, respectively.
Statutory net gain from operations and net income (loss) are summarized as follows:
## Table 0 ##
(1) Statutory net gain (loss) from operations and statutory net income (loss) are significantly impacted by changes in reserves for variable annuity guaranteed benefits, however, these impacts are substantially offset by unrealized gains (losses) on derivatives which are not included in statutory income but are recorded directly to surplus.
Government debt securities of $5 million and $6 million at December 31, 2014 and 2013, respectively, held by the Company’s life insurance subsidiaries were on deposit with various states as required by law.
Ameriprise Certificate Company (‘‘ACC’’) is registered as an investment company under the Investment Company Act of 1940 (the ‘‘1940 Act’’).
ACC markets and sells investment certificates to clients.
ACC is subject to various capital requirements under the 1940 Act, laws of the State of Minnesota and understandings with the Securities and Exchange Commission (‘‘SEC’’) and the Minnesota Department of Commerce.
The terms of the investment certificates issued by ACC and the provisions of the 1940 Act also require the maintenance by ACC of qualified assets.
Under the provisions of its certificates and the 1940 Act, ACC was required to have qualified assets (as that term is defined in Section 28(b) of the 1940 Act) in the amount of $4.2 billion and $4.0 billion at December 31, 2014 and 2013, respectively.
ACC had qualified assets of $4.5 billion and $4.3 billion at December 31, 2014 and 2013, respectively.
Ameriprise Financial and ACC entered into a Capital Support Agreement on March 2, 2009, pursuant to which Ameriprise Financial agrees to commit such capital to ACC as is necessary to satisfy applicable minimum capital requirements.
Effective April 30, 2014, this agreement was amended to revise the maximum commitment to $50 million.
The previous maximum commitment, set March 2, 2009, was $115 million.
For the years ended December 31, 2014 and 2013, ACC did not draw upon the Capital Support Agreement and had met all applicable capital requirements.
Threadneedle’s required capital is predominantly based on the requirements specified by its regulator, the Financial Services Authority (‘‘FSA’’), under its Capital Adequacy Requirements for asset managers.
The Company has four broker-dealer subsidiaries, American Enterprise Investment Services Inc. , Ameriprise Financial Services, Inc. , RiverSource Distributors, Inc.  and Columbia Management Investment Distributors, Inc.
The broker-dealers are subject to the net capital requirements of the Financial Industry Regulatory Authority (‘‘FINRA’’) and the Uniform Net Capital requirements of the SEC under Rule 15c3-1 of the Securities Exchange Act of 1934.
Ameriprise Trust Company is subject to capital adequacy requirements under the laws of the State of Minnesota as enforced by the Minnesota Department of Commerce.
In 2012, Ameriprise Bank requested regulatory approval to convert from a federal savings bank to a limited powers national trust bank.
Conditional approval for this conversion was received in December 2012, and the conversion to a limited powers national trust bank, as well as the renaming of the entity as Ameriprise National Trust Bank, was completed in January 2013.
Prior to this conversion, Ameriprise Bank, FSB was subject to regulation by both the Comptroller of Currency (‘‘OCC’’), as a federal savings bank, and by the Federal Deposit Insurance Corporation (‘‘FDIC’’) in its role as insurer of its deposits.
Following the conversion, Ameriprise National Trust Bank remains subject to regulation by the OCC and, to a limited extent, by the FDIC.
As a limited powers national association, Ameriprise National Trust Bank remains
The following table presents the segment pretax operating impacts on our revenues and expenses attributable to unlocking:
## Table 1 ##
The operating impact of unlocking for 2012 included a $43 million benefit, net of DAC and DSIC amortization, from an adjustment to the model which values the reserves related to living benefit guarantees primarily attributable to prior periods.
Advice & Wealth Management The following table presents the changes in wrap account assets and average balances for the years ended December 31:
## Table 2 ##
(1) Advisory wrap account assets represent those assets for which clients receive advisory services and are the primary driver of revenue earned on wrap accounts.
Clients may hold non-advisory investments in their wrap accounts that do not incur an advisory fee.
(2) Average ending balances are calculated using an average of the prior period’s ending balance and all months in the current period.
Wrap account assets increased $28.9 billion, or 23%, during the year ended December 31, 2013 due to net inflows of $13.1 billion and market appreciation and other of $15.8 billion.
Wrap account net inflows increased $3.5 billion, or 36%, compared to the prior year reflecting higher advisor productivity, experienced advisor recruiting and investor confidence.
Average advisory wrap account assets increased $23.2 billion, or 20%, compared to the prior year due to net inflows and market appreciation.
The following table presents the results of operations of our Advice & Wealth Management segment on an operating basis:
## Table 3 ##
Our Advice & Wealth Management segment pretax operating earnings, which exclude net realized gains or losses, increased $158 million, or 36%, to $592 million for the year ended December 31, 2013 compared to $434 million for
Impairment of Long-Lived Assets, Goodwill and Intangible Assets - We assess our long-lived assets for impairment based on Statement 144, “Accounting for the Impairment or Disposal of Long-Lived Assets.
” A long-lived asset is tested for impairment whenever events or changes in circumstances indicate that its carrying amount may exceed its fair value.
Fair values are based on the sum of the undiscounted future cash flows expected to result from the use and eventual disposition of the assets.
We assess our goodwill and intangible assets for impairment at least annually based on Statement 142, “Goodwill and Other Intangible Assets.
” There were no impairment charges resulting from the July 1, 2007, impairment tests and no events indicating an impairment have occurred subsequent to that date.
An initial assessment is made by comparing the fair value of the operations with goodwill, as determined in accordance with Statement 142, to the book value of each reporting unit.
If the fair value is less than the book value, an impairment is indicated, and we must perform a second test to measure the amount of the impairment.
In the second test, we calculate the implied fair value of the goodwill by deducting the fair value of all tangible and intangible net assets of the operations with goodwill from the fair value determined in step one of the assessment.
If the carrying value of the goodwill exceeds this calculated implied fair value of the goodwill, we will record an impairment charge.
At December 31, 2007, we had $600.7 million of goodwill recorded on our Consolidated Balance Sheet as shown below.

<table><tr><td></td><td colspan="3">Years Ended December 31,</td></tr><tr><td></td><td>2014</td><td>2013</td><td>2012</td></tr><tr><td></td><td colspan="3">(in millions)</td></tr><tr><td>RiverSource Life</td><td></td><td></td><td></td></tr><tr><td>Statutory net gain from operations<sup>-1</sup></td><td>$1,412</td><td>$1,633</td><td>$2,189</td></tr><tr><td>Statutory net income<sup>-1</sup></td><td>1,154</td><td>1,337</td><td>1,976</td></tr><tr><td>IDS Property Casualty</td><td></td><td></td><td></td></tr><tr><td>Statutory net income (loss)</td><td>-25</td><td>11</td><td>27</td></tr></table>
<table><tr><td></td><td colspan="4">Years Ended December 31,</td></tr><tr><td></td><td colspan="2">2013</td><td colspan="2">2012</td></tr><tr><td>Segment Pretax Operating Increase (Decrease)</td><td>Annuities</td><td>Protection</td><td>Annuities</td><td>Protection</td></tr><tr><td></td><td colspan="4">(in millions)</td></tr><tr><td>Other revenues</td><td>$—</td><td>$-18</td><td>$—</td><td>$-41</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>21</td><td>-4</td><td>-32</td><td>-14</td></tr><tr><td>Amortization of DAC</td><td>-81</td><td>-3</td><td>41</td><td>-14</td></tr><tr><td>Interest credited to fixed accounts</td><td>—</td><td>—</td><td>2</td><td>—</td></tr><tr><td>Total expenses</td><td>-60</td><td>-7</td><td>11</td><td>-28</td></tr><tr><td>Total</td><td>$60</td><td>$-11</td><td>$-11</td><td>$-13</td></tr></table>
<table><tr><td></td><td>2013</td><td>2012</td></tr><tr><td></td><td colspan="2">(in billions)</td></tr><tr><td>Beginning balance</td><td>$124.6</td><td>$103.4</td></tr><tr><td>Net flows</td><td>13.1</td><td>9.6</td></tr><tr><td>Market appreciation and other</td><td>15.8</td><td>11.6</td></tr><tr><td>Ending balance</td><td>$153.5</td><td>$124.6</td></tr><tr><td>Advisory wrap account assets ending balance<sup>-1</sup></td><td>$152.6</td><td>$124.2</td></tr><tr><td>Average advisory wrap account assets<sup>-2</sup></td><td>$138.2</td><td>$115.0</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2013</td><td>2012</td><td colspan="2">Change</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td>Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$2,039</td><td>$1,737</td><td>$302</td><td>17%</td></tr><tr><td>Distribution fees</td><td>2,095</td><td>1,879</td><td>216</td><td>11</td></tr><tr><td>Net investment income</td><td>127</td><td>233</td><td>-106</td><td>-45</td></tr><tr><td>Other revenues</td><td>65</td><td>64</td><td>1</td><td>2</td></tr><tr><td>Total revenues</td><td>4,326</td><td>3,913</td><td>413</td><td>11</td></tr><tr><td>Banking and deposit interest expense</td><td>31</td><td>40</td><td>-9</td><td>-23</td></tr><tr><td>Total net revenues</td><td>4,295</td><td>3,873</td><td>422</td><td>11</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>2,641</td><td>2,321</td><td>320</td><td>14</td></tr><tr><td>Interest and debt expense</td><td>6</td><td>9</td><td>-3</td><td>-33</td></tr><tr><td>General and administrative expense</td><td>1,056</td><td>1,109</td><td>-53</td><td>-5</td></tr><tr><td>Total expenses</td><td>3,703</td><td>3,439</td><td>264</td><td>8</td></tr><tr><td>Operating earnings</td><td>$592</td><td>$434</td><td>$158</td><td>36%</td></tr></table>

Question: What will total revenues be like in 2014 if it continues to grow at the same rate as it did in 2013? (in dollars in millions)