swap agreement.
Assuming these swap agreements had been cancelled on December 31, 2007, we would have received $18.3 million, net, and future net interest payments would increase assuming LIBOR does not change.
Other than the swap agreements, adverse changes in our credit ratings do not create, increase, or accelerate any liabilities.
In addition, we operate as a holding company in a highly regulated industry.
Our parent company is dependent upon dividends and administrative expense reimbursements from our subsidiaries, most of which are subject to regulatory restrictions.
Cash, cash equivalents and short-term investments at the parent company increased $111.3 million to $535.7 million at December 31, 2007 compared to $424.4 million at December 31, 2006 reflecting dividends received net of funding of additional capital into certain subsidiaries during 2007 in conjunction with growth in Medicare revenues.
See Schedule I to this Form 10-K beginning on page 107 for our parent company only financial information.
Regulatory Requirements Certain of our subsidiaries operate in states that regulate the payment of dividends, loans, or other cash transfers to Humana Inc. , our parent company, and require minimum levels of equity as well as limit investments to approved securities.
The amount of dividends that may be paid to Humana Inc.  by these subsidiaries, without prior approval by state regulatory authorities, is limited based on the entity’s level of statutory income and statutory capital and surplus.
In most states, prior notification is provided before paying a dividend even if approval is not required.
Based on the most recent statutory financial statements as of December 31, 2007, we maintained aggregate statutory capital and surplus of $2,905.2 million in our state regulated subsidiaries.
This compares to applicable statutory requirements which aggregated $1,810.5 million.
Although the minimum required levels of equity are largely based on premium volume, product mix, and the quality of assets held, minimum requirements can vary significantly at the state level.
Given our anticipated continued premium growth in 2008, capital requirements will increase.
We expect to fund these increased requirements with capital contributions from Humana Inc. , our parent company, of approximately $200 million in 2008.
Most states rely on risk-based capital requirements, or RBC, to define their required levels of equity discussed above.
RBC is a model developed by the National Association of Insurance Commissioners to monitor an entity’s solvency.
This calculation indicates recommended minimum levels of required capital and surplus and signals regulatory measures should actual surplus fall below these recommended levels.
If RBC were adopted by the remaining states and Puerto Rico at December 31, 2007, we would have $966.3 million of aggregate capital and surplus above any of the levels that require corrective action under RBC, or individual state requirements based on the most recent statutory financial statements as of December 31, 2007.
Contractual Obligations We are contractually obligated to make payments for years subsequent to December 31, 2007 as follows:
## Table 0 ##
(1) Interest includes the estimated contractual interest payments under our debt agreements net of the effect of the associated swap agreements assuming no change in the LIBOR rate as of December 31, 2007.
Benefits expense ?
The Employer Group segment benefit ratio of 84.1% for 2012 increased 170 basis points from 82.4% in 2011 primarily due to higher membership in our group Medicare Advantage products which generally carry a higher benefit ratio than our fully-insured commercial group products.
In addition, year-over-year comparisons of the benefit ratio were negatively impacted by lower favorable priorperiod medical claims reserve development in 2012 than in 2011.
These increases were partially offset by the beneficial effect on the benefit ratio in 2012 of a reduction in prior-year premium rebate estimates discussed above.
Fully-insured group Medicare Advantage members represented 13.0% of total Employer Group segment medical membership at December 31, 2012 compared to 10.4% at December 31, 2011.
The Employer Group segment’s pretax income for 2012 included the beneficial effect of $48 million in favorable prior-period medical claims reserve development versus $114 million in 2011.
This favorable prior-period medical claims reserve development decreased the Employer Group segment benefit ratio by approximately 50 basis points in 2012 versus approximately 130 basis points in 2011.
Operating costs ?
The Employer Group segment operating cost ratio of 16.1% for 2012 improved 170 basis points from 17.8% for 2011 primarily reflecting growth in our group Medicare Advantage products which generally carry a lower operating cost ratio than our fully-insured commercial group products and continued savings as a result of our operating cost reduction initiatives.
Health and Well-Being Services Segment
## Table 1 ##
Pretax results ?
Health and Well-Being Services segment pretax income increased $133 million, or 37.7%, from 2011 to $486 million in 2012 primarily due to growth in our pharmacy solutions business, including higher utilization of our mail-order pharmacy by our members.
Declaration and payment of future quarterly dividends is at the discretion of our Board and may be adjusted as business needs or market conditions change.
In addition, under the terms of the Merger Agreement, we have agreed with Aetna to coordinate the declaration and payment of dividends so that our stockholders do not fail to receive a quarterly dividend around the time of the closing of the Merger.
On October 29, 2015, the Board declared a cash dividend of $0.29 per share that was paid on January 29, 2016 to stockholders of record on December 30, 2015, for an aggregate amount of $43 million.
Stock Total Return Performance The following graph compares our total return to stockholders with the returns of the Standard & Poor’s Composite 500 Index (“S&P 500”) and the Dow Jones US Select Health Care Providers Index (“Peer Group”) for the five years ended December 31, 2015.
The graph assumes an investment of $100 in each of our common stock, the S&P 500, and the Peer Group on December 31, 2010, and that dividends were reinvested when paid.
## Table 2 ##
The stock price performance included in this graph is not necessarily indicative of future stock price performance.

<table><tr><td></td><td colspan="5"> Payments Due by Period</td></tr><tr><td></td><td> Total</td><td> Less than 1 Year</td><td> 1-3 Years</td><td> 3-5 Years</td><td> More than 5 Years</td></tr><tr><td></td><td colspan="5"> (in thousands)</td></tr><tr><td>Debt</td><td>$1,638,608</td><td>$—</td><td>$1,620</td><td>$800,614</td><td>$836,374</td></tr><tr><td>Interest-1</td><td>712,307</td><td>94,200</td><td>188,369</td><td>165,313</td><td>264,425</td></tr><tr><td>Operating leases-2</td><td>417,814</td><td>107,878</td><td>176,318</td><td>85,779</td><td>47,839</td></tr><tr><td>Purchase obligations-3</td><td>180,088</td><td>57,821</td><td>74,210</td><td>35,101</td><td>12,956</td></tr><tr><td>Future policy benefits payable and other long-term liabilities-4</td><td>757,049</td><td>—</td><td>93,106</td><td>77,805</td><td>586,138</td></tr><tr><td>Total</td><td>$3,705,866</td><td>$259,899</td><td>$533,623</td><td>$1,164,612</td><td>$1,747,732</td></tr></table>
<table><tr><td></td><td colspan="2"></td><td colspan="2">Change</td></tr><tr><td></td><td>2012</td><td>2011</td><td> Dollars</td><td>Percentage</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>Services:</td><td></td><td></td><td></td><td></td></tr><tr><td>Provider services</td><td>$967</td><td>$880</td><td>$87</td><td>9.9%</td></tr><tr><td>Home care services</td><td>40</td><td>0</td><td>40</td><td>100.0%</td></tr><tr><td>Pharmacy solutions</td><td>16</td><td>11</td><td>5</td><td>45.5%</td></tr><tr><td>Integrated wellness services</td><td>13</td><td>12</td><td>1</td><td>8.3%</td></tr><tr><td>Total services revenues</td><td>1,036</td><td>903</td><td>133</td><td>14.7%</td></tr><tr><td>Intersegment revenues:</td><td></td><td></td><td></td><td></td></tr><tr><td>Pharmacy solutions</td><td>11,352</td><td>9,886</td><td>1,466</td><td>14.8%</td></tr><tr><td>Provider services</td><td>214</td><td>185</td><td>29</td><td>15.7%</td></tr><tr><td>Integrated wellness services</td><td>219</td><td>175</td><td>44</td><td>25.1%</td></tr><tr><td>Home care services</td><td>167</td><td>84</td><td>83</td><td>98.8%</td></tr><tr><td>Total intersegment revenues</td><td>11,952</td><td>10,330</td><td>1,622</td><td>15.7%</td></tr><tr><td>Total services and intersegment revenues</td><td>$12,988</td><td>$11,233</td><td>$1,755</td><td>15.6%</td></tr><tr><td> Income before income taxes</td><td>$486</td><td>$353</td><td>$133</td><td>37.7%</td></tr><tr><td>Operating cost ratio</td><td>95.5%</td><td>96.1%</td><td></td><td>-0.6%</td></tr></table>
<table><tr><td></td><td>12/31/2010</td><td>12/31/2011</td><td>12/31/2012</td><td>12/31/2013</td><td>12/31/2014</td><td>12/31/2015</td></tr><tr><td>HUM</td><td>$100</td><td>$162</td><td>$128</td><td>$195</td><td>$274</td><td>$343</td></tr><tr><td>S&P 500</td><td>$100</td><td>$102</td><td>$118</td><td>$157</td><td>$178</td><td>$181</td></tr><tr><td>Peer Group</td><td>$100</td><td>$110</td><td>$129</td><td>$177</td><td>$226</td><td>$239</td></tr></table>

Question: what was the percent of the decline in the stock price performance for hum from 2011 to 2012
Answer: 0.00488