We participate in a Medicare Health Support pilot program through Green Ribbon Health, or GRH, a jointventure company with Pfizer Health Solutions Inc.  GRH is designed to support Medicare beneficiaries living with diabetes and/or congestive heart failure in Central Florida.
GRH uses disease management initiatives including evidence-based clinical guidelines, personal self-directed change strategies, and personal nurses to help participants navigate the health system.
Revenues under the contract with CMS, which expires October 31, 2008 unless terminated earlier, are subject to refund unless a savings target is met.
To date, all revenues have been deferred until reliable estimates are determinable.
Our Products Marketed to Commercial Segment Employers and Members Smart Plans and Other Consumer Products Over the last several years, we have developed and offered various commercial products designed to provide options and choices to employers that are annually facing substantial premium increases driven by double-digit medical cost inflation.
These Smart plans, discussed more fully below, and other consumer offerings, which can be offered on either a fully-insured or ASO basis, provided coverage to approximately 564,700 members at December 31, 2007, representing approximately 16.4% of our total commercial medical membership as detailed below.
## Table 0 ##
These products are often offered to employer groups as “bundles”, where the subscribers are offered various HMO and PPO options, with various employer contribution strategies as determined by the employer.
Paramount to our product strategy, we have developed a group of innovative consumer products, styled as “Smart” products, that we believe will be a long-term solution for employers.
We believe this new generation of products provides more (1) choices for the individual consumer, (2) transparency of provider costs, and (3) benefit designs that engage consumers in the costs and effectiveness of health care choices.
Innovative tools and technology are available to assist consumers with these decisions, including the trade-offs between higher premiums and point-of-service costs at the time consumers choose their plans, and to suggest ways in which the consumers can maximize their individual benefits at the point they use their plans.
We believe that when consumers can make informed choices about the cost and effectiveness of their health care, a sustainable long term solution for employers can be realized.
Smart products, which accounted for approximately 55% of enrollment in all of our consumer-choice plans as of December 31, 2007, are only sold to employers who use Humana as their sole health insurance carrier.
Some employers have selected other types of consumer-choice products, such as, (1) a product with a high deductible, (2) a catastrophic coverage plan, or (3) ones that offer a spending account option in conjunction with more traditional medical coverage or as a stand alone plan.
Unlike our Smart products, these products, while valuable in helping employers deal with near-term cost increases by shifting costs to employees, are not considered by us to be long-term comprehensive solutions to the employers’ cost dilemma, although we view them as an important interim step.
HMO Our commercial HMO products provide prepaid health insurance coverage to our members through a network of independent primary care physicians, specialty physicians, and other health care providers who
Humana Inc.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) During 2008, we terminated all of our interest-rate swap agreements for cash consideration of $93.0 million.
We recognized a $10.4 million impairment charge as a realized investment loss associated with the termination of a swap with a subsidiary of Lehman, which subsequently filed for bankruptcy protection.13.
EMPLOYEE BENEFIT PLANS Employee Savings Plan We have defined contribution retirement and savings plans covering eligible employees.
Our contribution to these plans is based on various percentages of compensation, and in some instances, on the amount of our employees’ contributions to the plans.
The cost of these plans amounted to approximately $79.6 million in 2008, $69.7 million in 2007, and $56.0 million in 2006, all of which was funded currently to the extent it was deductible for federal income tax purposes.
Based on the closing stock price of $37.28 on December 31, 2008, approximately 19% of the retirement and savings plan’s assets were invested in our common stock representing 3% of the shares outstanding as of December 31, 2008.
Through December 31, 2006, the Company match was invested in the Humana common stock fund.
However, a participant could reinvest any funds, including the Company match in the Humana common stock fund, in any other plan investment option at any time.
Beginning January 1, 2007, the Company’s cash match is invested pursuant to the participant’s contribution direction.
Stock-Based Compensation We have plans under which options to purchase our common stock and restricted stock awards have been granted to executive officers, directors and key employees.
The terms and vesting schedules for stock-based awards vary by type of grant.
Generally, the awards vest upon time-based conditions.
Upon exercise, stock-based compensation awards are settled with authorized but unissued company stock.
The compensation expense that has been charged against income for these plans was as follows for the years ended December 31, 2008, 2007, and 2006:
## Table 1 ##
The tax benefit recognized in our consolidated financial statements is based on the amount of compensation expense recorded for book purposes.
The actual tax benefit realized in our tax return is based on the intrinsic value, or the excess of the market value over the exercise or purchase price, of stock options exercised and restricted stock awards vested during the period.
The actual tax benefit realized for the deductions taken on our tax returns from option exercises and restricted stock vesting totaled $16.9 million in 2008, $48.0 million in 2007, and $47.8 million in 2006.
There was no capitalized stock-based compensation expense.
The stock plans provide that one restricted share is equivalent to 1.7 stock options.
At December 31, 2008, there were 14,708,198 shares reserved for stock award plans, including 7,714,499 shares of common stock available for future grants assuming all stock options or 4,537,941 shares available for future grants assuming all restricted shares.
acquired in connection with the Arcadian acquisition effective March 31, 2012.
Individual Medicare stand-alone PDP premiums revenue increased $270 million, or 11.7%, in 2012 compared to 2011 primarily due to a 20.0% increase in average individual PDP membership, partially offset by a decrease in individual Medicare stand-alone PDP per member premiums.
This was primarily a result of sales of our Humana-Walmart plan that we began offering for the 2011 plan year.
Benefits expense ?
The Retail segment benefit ratio increased 290 basis points from 81.2% in 2011 to 84.1% in 2012.
During 2012, we experienced a significant increase in the benefit ratio for our individual Medicare Advantage products primarily due to a planned increase in the target benefit ratio associated with positioning for Health Insurance Reform Legislation funding changes and minimum benefit ratio requirements, a higher benefit ratio experienced on new membership than the assumptions used in our 2012 Medicare bids, and increased outpatient utilization for both new and existing members.
In addition, year-over-year comparisons of the benefit ratio were negatively impacted by lower favorable prior-period medical claims reserve development in 2012 than in 2011 and a year-over-year increase in clinicians and other health care quality expenditures given our continuing growth in membership.
The Retail segment’s pretax income for 2012 included the beneficial effect of $192 million in favorable prior-period medical claims reserve development versus $245 million in 2011.
This favorable priorperiod medical claims reserve development decreased the Retail segment benefit ratio by approximately 80 basis points in 2012 versus approximately 110 basis points in 2011.
Operating costs ?
The Retail segment operating cost ratio of 11.0% for 2012 decreased 20 basis points from 11.2% for 2011 primarily due to scale efficiencies associated with servicing higher year-over-year membership together with our continued focus on operating cost efficiencies, partially offset by higher year-overyear clinical, provider, and technological infrastructure spending.
Employer Group Segment
## Table 2 ##
(a) Specialty products include dental, vision, and other supplemental health and financial protection products.
Members included in these products may not be unique to each product since members have the ability to enroll in multiple products.
Expenses Total expenses, which exclude the market impact on indexed universal life benefits (net of hedges and the related DAC amortization), increased $191 million, or 10%, to $2.0 billion for the year ended December 31, 2014 compared to $1.9 billion for the prior year primarily due to higher benefits, claims, losses and settlement expenses related to our auto and home business.
Benefits, claims, losses and settlement expenses, which exclude the market impact on indexed universal life benefits (net of hedges), increased $164 million, or 13%, to $1.4 billion for the year ended December 31, 2014 compared to $1.3 billion for the prior year due to a $163 million increase in provision for estimated losses related to our auto and home business reflecting the impact of growth in exposures from an 11% increase in policies in force, an increase in catastrophe losses reflecting the growth in exposures and the extremely severe winter and spring weather during 2014, and adverse development in the 2013 and prior accident years auto liability coverage observed during the first quarter of 2014 resulting in a $30 million increase to prior accident year loss reserves.
Later in 2014, further adverse loss development was observed primarily in the 2014 auto book of business which resulted in a $60 million increase to loss reserves for estimated losses including IBNR.
Catastrophe losses were $66 million for the year ended December 31, 2014 compared to $42 million for the prior year.
The 2015 accident year non-catastrophe auto loss development is expected to trend approximately level with the 2014 accident year loss experience.
Corporate & Other Our Corporate & Other segment consists of net investment income or loss on corporate level assets, including excess capital held in our subsidiaries and other unallocated equity and other revenues as well as unallocated corporate expenses.
The Corporate & Other segment also includes revenues and expenses of CIEs, which are excluded on an operating basis.
The following table presents the results of operations of our Corporate & Other segment on an operating basis:
## Table 3 ##
NM Not Meaningful.
Our Corporate & Other segment pretax operating loss excludes net realized gains or losses and the impact of consolidating CIEs.
Our Corporate & Other segment pretax operating loss was $230 million for the year ended December 31, 2014 compared to $229 million for the prior year.
Net investment income (loss) was a loss of $6 million for the year ended December 31, 2014 compared to income of $8 million for the prior year due to a $13 million increase in losses associated with affordable housing partnerships.
Interest and debt expense decreased $12 million, or 36%, to $21 million for the year ended December 31, 2014 compared to $33 million for the prior year primarily due to $19 million in costs in 2013 related to the early redemption of our senior notes due 2015, partially offset by expenses in 2014 related to the early redemption of our senior notes due 2039.
General and administrative expense for the year ended December 31, 2014 included a provision for potential resolution of a regulatory matter regarding certain historical events and processes at one of our ongoing lines of business, which was partially offset by lower investment spending compared to the prior year.
Restricted shares issued under the Tektronix Plans were granted subject to certain time-based vesting restrictions such that the restricted share awards fully vested after a period of five years.
The holders of these restricted shares had the right to vote such shares and receive dividends and the shares were considered issued and outstanding at the date the award was granted.
As of December 31, 2014, all of the restricted shares and RSUs granted under the Tektronix Plans have fully vested.
The options, RSUs and restricted shares generally vest only if the employee is employed by the Company (or in the case of directors, the director continues to serve on the Company Board) on the vesting date or in other limited circumstances.
To cover the exercise of options and vesting of RSUs, the Company generally issues new shares from its authorized but unissued share pool, although it may instead issue treasury shares in certain circumstances.
In connection with the NetScout transaction disclosed in Note 3, the Company has agreed to: (i) allow stock options held by employees of the Company's communications business that are scheduled to vest between the closing date and August 4, 2015 to vest in accordance with their terms and remain exercisable for up to 90 days following such vesting date, and (ii) allow RSUs held by employees of the Company's communications business that are scheduled to vest between the closing date and August 4, 2015 to vest in accordance with their terms.
As of December 31, 2014, approximately 25 million shares of the Company’s common stock were reserved for issuance under the 2007 Stock Incentive Plan.
The Company accounts for stock-based compensation by measuring the cost of employee services received in exchange for all equity awards granted, including stock options, RSUs and restricted shares, based on the fair value of the award as of the grant date.
The Company recognizes the compensation expense over the requisite service period (which is generally the vesting period but may be shorter than the vesting period if the employee becomes retirement eligible before the end of the vesting period).
The fair value for RSU and restricted stock awards was calculated using the closing price of the Company’s common stock on the date of grant, adjusted for the fact that RSUs do not accrue dividends.
The fair value of the options granted was calculated using a Black-Scholes Merton option pricing model (“Black-Scholes”).

<table><tr><td></td><td>Smart Plans and Other Consumer Membership</td><td>Other Commercial Membership</td><td>Commercial Medical Membership</td></tr><tr><td>Fully-insured</td><td>327,900</td><td>1,480,700</td><td>1,808,600</td></tr><tr><td>ASO</td><td>236,800</td><td>1,406,200</td><td>1,643,000</td></tr><tr><td>Total Commercial medical</td><td>564,700</td><td>2,886,900</td><td>3,451,600</td></tr></table>
<table><tr><td></td><td>2008</td><td>2007</td><td>2006</td></tr><tr><td></td><td colspan="3">(in thousands)</td></tr><tr><td>Stock-based compensation expense by type:</td><td></td><td></td><td></td></tr><tr><td>Stock options</td><td>$18,202</td><td>$15,408</td><td>$18,025</td></tr><tr><td>Restricted stock awards</td><td>37,167</td><td>26,724</td><td>14,533</td></tr><tr><td>Total stock-based compensation expense</td><td>55,369</td><td>42,132</td><td>32,558</td></tr><tr><td>Tax benefit recognized</td><td>-20,282</td><td>-15,568</td><td>-12,028</td></tr><tr><td>Stock-based compensation expense, net of tax</td><td>$35,087</td><td>$26,564</td><td>$20,530</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>Members</td><td>Percentage</td></tr><tr><td> Membership:</td><td></td><td></td><td></td><td></td></tr><tr><td>Medical membership:</td><td></td><td></td><td></td><td></td></tr><tr><td>Fully-insured commercial group</td><td>1,211,800</td><td>1,180,200</td><td>31,600</td><td>2.7%</td></tr><tr><td>ASO</td><td>1,237,700</td><td>1,292,300</td><td>-54,600</td><td>-4.2%</td></tr><tr><td>Group Medicare Advantage</td><td>370,800</td><td>290,600</td><td>80,200</td><td>27.6%</td></tr><tr><td>Medicare Advantage ASO</td><td>27,700</td><td>27,600</td><td>100</td><td>0.4%</td></tr><tr><td>Total group Medicare Advantage</td><td>398,500</td><td>318,200</td><td>80,300</td><td>25.2%</td></tr><tr><td>Group Medicare stand-alone PDP</td><td>4,400</td><td>4,200</td><td>200</td><td>4.8%</td></tr><tr><td>Total group Medicare</td><td>402,900</td><td>322,400</td><td>80,500</td><td>25.0%</td></tr><tr><td>Total group medical members</td><td>2,852,400</td><td>2,794,900</td><td>57,500</td><td>2.1%</td></tr><tr><td>Group specialty membership (a)</td><td>7,136,200</td><td>6,532,600</td><td>603,600</td><td>9.2%</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2014</td><td>2013</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>Distribution fees</td><td>$1</td><td>$1</td><td>$—</td><td>—%</td></tr><tr><td>Net investment income (loss)</td><td>-6</td><td>8</td><td>-14</td><td>NM</td></tr><tr><td>Other revenues</td><td>9</td><td>6</td><td>3</td><td>50</td></tr><tr><td>Total revenues</td><td>4</td><td>15</td><td>-11</td><td>-73</td></tr><tr><td>Banking and deposit interest expense</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total net revenues</td><td>4</td><td>15</td><td>-11</td><td>-73</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>1</td><td>1</td><td>—</td><td>—</td></tr><tr><td>Interest and debt expense</td><td>21</td><td>33</td><td>-12</td><td>-36</td></tr><tr><td>General and administrative expense</td><td>212</td><td>210</td><td>2</td><td>1</td></tr><tr><td>Total expenses</td><td>234</td><td>244</td><td>-10</td><td>-4</td></tr><tr><td>Operating loss</td><td>$-230</td><td>$-229</td><td>$-1</td><td>—%</td></tr></table>

Question: What is the growing rate of General and administrative expense in the years with the most Other revenues?
Answer: 0.00952