## Table 0 ##
ITEM 7 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Our Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A) includes the following sections: ?
Executive Overview that discusses at a high level our operating results and some of the trends that affect our business.  ?
Critical Accounting Policies and Estimates that we believe are important to understanding the assumptions and judgments underlying our financial statements.  ?
Results of Operations that includes a more detailed discussion of our revenue and expenses.  ?
Liquidity and Capital Resources which discusses key aspects of our statements of cash flows, changes in our balance sheets and our financial commitments.
You should note that this MD&A discussion contains forward-looking statements that involve risks and uncertainties.
Please see the section entitled “Forward-Looking Statements and Risk Factors” at the beginning of Item 1A for important information to consider when evaluating such statements.
You should read this MD&A in conjunction with the financial statements and related notes in Item 8 of this Report.
In fiscal 2010 we acquired Mint Software Inc.  and Medfusion, Inc.  and in fiscal 2012 we acquired Demandforce, Inc.  We have included the results of operations for each of them in our consolidated results of operations from their respective dates of acquisition.
We have reclassified our financial statements for all periods presented to reflect our Intuit Real Estate Solutions and Intuit Websites businesses as discontinued operations.
See “Results of Operations — Discontinued Operations” later in this Item 7 for more information.
Unless otherwise noted, the following discussion pertains only to our continuing operations.
Executive Overview This overview provides a high level discussion of our operating results and some of the trends that affect our business.
We believe that an understanding of these trends is important in order to understand our financial results for fiscal 2012 as well as our future prospects.
This summary is not intended to be exhaustive, nor is it intended to be a substitute for the detailed discussion and analysis provided elsewhere in this Annual Report on Form 10-K.  Overview of Financial Results Total net revenue for fiscal 2012 was $4.2 billion, an increase of 10% compared with fiscal 2011.
Our Small Business Group and our Consumer Tax segment were the key drivers of revenue growth.
Revenue from our Small Business Group increased 14% compared with fiscal 2011 due to growth in connected services offerings and improved offering mix.
Revenue from our Consumer Tax segment increased 11% compared with fiscal 2011 due to 6% growth in paid federal units and favorable offering mix.
Operating income from continuing operations increased 14% in fiscal 2012 compared with fiscal 2011 due to higher revenue partially offset by higher costs and expenses.
Operating expenses were higher due to increases in staffing expenses and, to a lesser extent, increases in share-based compensation expenses.
Net income from continuing operations increased 18%
Fiscal 2011 Compared with Fiscal 2010 Payment Solutions total net revenue increased $35 million or 11% in fiscal 2011 compared with fiscal 2010, driven by 11% growth in the merchant customer base.
Transaction volume per merchant increased 1% in fiscal 2011 compared with fiscal 2010.
Payment Solutions segment operating income as a percentage of related revenue decreased to 19% in fiscal 2011 from 21% in fiscal 2010 due to higher interchange fees in cost of revenue and higher expenses for staffing and advertising and other marketing programs, which more than offset the increase in revenue described above.
Consumer Tax
## Table 1 ##
Consumer Tax product revenue is derived primarily from TurboTax federal and state consumer and small business desktop tax return preparation software.
Consumer Tax service and other revenue is derived primarily from TurboTax Online tax return preparation services and electronic tax filing services.
Fiscal 2012 Compared with Fiscal 2011 Consumer Tax total net revenue increased $143 million or 11% in fiscal 2012 compared with fiscal 2011 due to 6% growth in paid federal units and favorable offering mix, including improved conversion from free to paid offerings.
Revenue from our debit card program was higher in fiscal 2012 because customer card usage was higher and because we managed the program internally rather than offering it through a partner and sharing the revenue, as we did in fiscal 2011.
Total online federal units grew 9% and represented approximately 77% of total federal TurboTax units for the 2011 consumer tax season, up from approximately 75% for the 2010 tax season.
Consumer Tax segment operating income as a percentage of related revenue decreased to 61% in fiscal 2012 from 65% in fiscal 2011.
Segment cost of service revenue as a percentage of service revenue was higher in fiscal 2012 due to costs associated with our new Free Tax Advice and debit card programs and to higher data center hosting costs.
Segment operating expenses also increased about $43 million for staffing expenses and about $15 million for advertising and other marketing programs compared with the fiscal 2011 period.
Fiscal 2011 Compared with Fiscal 2010 Consumer Tax total net revenue increased $152 million or 13% in fiscal 2011 compared with fiscal 2010.
Total TurboTax federal units were up 12% in that period, driven by TurboTax Online federal unit growth of 20%.
Online federal units represented approximately 75% of total federal TurboTax units for the 2010 consumer tax season, up from approximately 70% for the 2009 tax season.
Consumer Tax segment operating income as a percentage of related revenue was flat at 65% in fiscal 2011 and fiscal 2010.
The revenue increase described above was partially offset by higher costs and expenses, including about $29 million in higher expenses for advertising and other marketing programs.
primarily due to higher mobile banking revenue and, to a lesser extent, to higher bill-pay revenue.
Mobile banking revenue grew due to an increase in mobile banking end users and usage.
Bill-pay revenue grew due to a 12% increase in bill-pay end users and higher transaction volumes during fiscal 2012.
Financial Services segment operating income as a percentage of related revenue was flat at 24% in fiscal 2012 and fiscal 2011.
Higher revenue as described above and slightly lower staffing expenses associated with lower headcount was partially offset by higher data center hosting expenses.
Fiscal 2011 Compared with Fiscal 2010 Financial Services total net revenue increased $14 million or 4% in fiscal 2011 compared with fiscal 2010.
Revenue growth in fiscal 2011 was driven by higher bill-pay revenue, partially offset by the effect of the sale of this segment's lending business in the fourth quarter of fiscal 2010.
Revenue from the lending business was less than $10 million for all of fiscal 2010.
Bill-pay revenue grew due to a 15% increase in bill-pay end users and higher transaction volumes for fiscal 2011 compared with fiscal 2010.
Continuing downward price pressure that resulted in lower revenue per user partially offset the effect of growth in the bill-pay end user customer base.
Financial Services segment operating income as a percentage of related revenue increased to 24% in fiscal 2011 from 21% in fiscal 2010 due to higher revenue partially offset by higher staffing expenses.
Other Businesses
## Table 2 ##
Other Businesses consist primarily of our personal finance offerings, Quicken and Mint; Intuit Health; and our global businesses, primarily in Canada, the United Kingdom, and Singapore.
Quicken product revenue is derived primarily from Quicken desktop software products.
Quicken service and other revenue is derived primarily from fees from consumer online transactions and Quicken Loans trademark royalties.
Mint service and other revenue consists primarily of online lead generation fees.
Intuit Health service and other revenue consists primarily of online patient-to-provider communication services and fees for implementation services.
In Canada, product revenue is derived primarily from localized versions of QuickBooks and Quicken as well as consumer desktop tax return preparation software and professional tax preparation products.
Service and other revenue in Canada consists primarily of revenue from QuickBooks support plans, payroll services, and merchant payment processing services.
In the United Kingdom, product revenue is derived primarily from localized versions of QuickBooks and QuickBooks Payroll.
In Singapore and other international locations, service and other revenue is derived from QuickBooks Online.
Fiscal 2012 Compared with Fiscal 2011 Other Businesses total net revenue increased $3 million or 1% in fiscal 2012 compared with fiscal 2011.
Global revenue grew 7% in fiscal 2012, or 9% when adjusted for unfavorable currency impacts, while Quicken revenue was lower due to lower Quicken unit sales.
Other Businesses segment operating income as a percentage of related revenue was flat at 22% in fiscal 2012 and fiscal 2011.
Higher fiscal 2012 revenue as described above was partially offset by higher costs and expenses associated with continued investment in our healthcare business and global market opportunities.
We estimate that our sales by type of customer during the past three fiscal years were as follows:

<table><tr><td>Consolidated Balance Sheet Data</td><td colspan="5">At July 31,</td></tr><tr><td>(In millions)</td><td>2012</td><td>2011</td><td>2010</td><td>2009</td><td>2008</td></tr><tr><td>Cash, cash equivalents and investments</td><td>$744</td><td>$1,421</td><td>$1,622</td><td>$1,347</td><td>$828</td></tr><tr><td>Long-term investments</td><td>75</td><td>63</td><td>91</td><td>97</td><td>288</td></tr><tr><td>Working capital</td><td>258</td><td>449</td><td>1,074</td><td>884</td><td>307</td></tr><tr><td>Total assets</td><td>4,684</td><td>5,110</td><td>5,198</td><td>4,826</td><td>4,667</td></tr><tr><td>Current portion of long-term debt</td><td>—</td><td>500</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Long-term debt</td><td>499</td><td>499</td><td>998</td><td>998</td><td>998</td></tr><tr><td>Other long-term obligations</td><td>176</td><td>190</td><td>158</td><td>187</td><td>122</td></tr><tr><td>Total stockholders’ equity</td><td>2,744</td><td>2,616</td><td>2,821</td><td>2,557</td><td>2,080</td></tr></table>
<table><tr><td>(Dollars in millions)</td><td>Fiscal2012</td><td>Fiscal2011</td><td>Fiscal2010</td><td>2012-2011% Change</td><td>2011-2010% Change</td></tr><tr><td>Product revenue</td><td>$218</td><td>$261</td><td>$275</td><td></td><td></td></tr><tr><td>Service and other revenue</td><td>1,223</td><td>1,037</td><td>871</td><td></td><td></td></tr><tr><td>Total segment revenue</td><td>$1,441</td><td>$1,298</td><td>$1,146</td><td>11%</td><td>13%</td></tr><tr><td>% of total revenue</td><td>35%</td><td>34%</td><td>34%</td><td></td><td></td></tr><tr><td>Segment operating income</td><td>$886</td><td>$850</td><td>$746</td><td>4%</td><td>14%</td></tr><tr><td>% of related revenue</td><td>61%</td><td>65%</td><td>65%</td><td></td><td></td></tr></table>
<table><tr><td>(Dollars in millions)</td><td>Fiscal2012</td><td>Fiscal2011</td><td>Fiscal2010</td><td>2012-2011% Change</td><td>2011-2010% Change</td></tr><tr><td>Product revenue</td><td>$167</td><td>$183</td><td>$172</td><td></td><td></td></tr><tr><td>Service and other revenue</td><td>138</td><td>119</td><td>90</td><td></td><td></td></tr><tr><td>Total segment revenue</td><td>$305</td><td>$302</td><td>$262</td><td>1%</td><td>15%</td></tr><tr><td>% of total revenue</td><td>7%</td><td>8%</td><td>8%</td><td></td><td></td></tr><tr><td>Segment operating income</td><td>$68</td><td>$67</td><td>$64</td><td>1%</td><td>4%</td></tr><tr><td>% of related revenue</td><td>22%</td><td>22%</td><td>25%</td><td></td><td></td></tr></table>

Question: If Long-term investments develops with the same growth rate in 2012, what will it reach in 2013? (in million)