Premiums increased $26 million, or 3%, to $1.0 billion for the year ended December 31, 2009, due to growth in Auto and Home premiums compared to the prior year driven by higher volumes.
Auto and Home policy counts increased 9% period-over-period.
Other revenues decreased $161 million, or 29%, to $386 million for the year ended December 31, 2009, due to a $65 million expense from updating valuation assumptions in 2009 compared to a $95 million benefit from updating valuation assumptions and converting to a new valuation system for RiverSource Life products in 2008.
Expenses Total expenses decreased $127 million, or 8%, to $1.5 billion for the year ended December 31, 2009, primarily due to the impact of updating valuation assumptions.
Benefits, claims, losses and settlement expenses increased $68 million, or 8%, to $924 million for the year ended December 31, 2009, primarily due to volume-driven increases in Auto and Home reserves, as well as a lower benefit from updating valuation assumptions in 2009 compared to the benefit from updating valuation assumptions and implementing a new valuation system in 2008.
Amortization of DAC decreased $174 million, or 52%, to $159 million for the year ended December 31, 2009, primarily due to a benefit of $55 million from updating valuation assumptions in 2009 compared to an expense of $90 million from updating valuation assumptions and converting to a new valuation system in the prior year.
The impact of market performance in 2009 decreased DAC amortization by $3 million compared to an expense of $56 million in the prior year.
General and administrative expense decreased $25 million, or 10%, to $226 million for the year ended December 31, 2009, primarily due to the write-off of certain capitalized software costs in 2008 and lower premium taxes compared to the prior year.
Corporate & Other Our Corporate & Other segment consists of net investment income on corporate level assets, including excess capital held in our subsidiaries and other unallocated equity and other revenues from various investments as well as unallocated corporate expenses.
The following table presents the results of operations of our Corporate & Other segment:
## Table 0 ##
NM Not Meaningful.
Our Corporate & Other segment pretax loss was $265 million for the year ended December 31, 2009 compared to $364 million in the prior year.
A reconciliation of the beginning and ending amount of gross unrecognized tax benefits was as follows:
## Table 1 ##
If recognized, approximately $46 million, $57 million and $57 million, net of federal tax benefits, of unrecognized tax benefits as of December 31, 2016, 2015, and 2014, respectively, would affect the effective tax rate.
It is reasonably possible that the total amounts of unrecognized tax benefits will change in the next 12 months.
The Company estimates that the total amount of gross unrecognized tax benefits may decrease by $60 million to $70 million in the next 12 months primarily due to resolution of IRS examinations.
The Company recognizes interest and penalties related to unrecognized tax benefits as a component of the income tax provision.
The Company recognized a net decrease of $43 million, and a net increase of $3 million, and $6 million in interest and penalties for the years ended December 31, 2016, 2015, and 2014, respectively.
At December 31, 2016 and 2015, the Company had a payable of $8 million and $51 million, respectively, related to accrued interest and penalties.
The Company or one or more of its subsidiaries files income tax returns in the U. S.  federal jurisdiction, and various state and foreign jurisdictions.
In 2016, the Company received a settlement as final resolution to the 1997 through 2005 IRS audit.
The IRS has completed its examination of the 2006 through 2011 tax returns and these years are effectively settled; however, the statutes of limitation, except for 2007, remain open for certain carryover adjustments.
The IRS is currently auditing the Company’s U. S.  income tax returns for 2012 and 2013.
The Company’s state income tax returns are currently under examination by various jurisdictions for years ranging from 2005 through 2015.22.
Retirement Plans and Profit Sharing Arrangements Defined Benefit Plans Pension Plans and Other Postretirement Benefits The Company’s U. S.  non-advisor employees are generally eligible for the Ameriprise Financial Retirement Plan (the ‘‘Retirement Plan’’), a noncontributory defined benefit plan which is a qualified plan under the Employee Retirement Income Security Act of 1974, as amended (‘‘ERISA’’).
Funding of costs for the Retirement Plan complies with the applicable minimum funding requirements specified by ERISA and is held in a trust.
The Retirement Plan is a cash balance plan by which the employees’ accrued benefits are based on notional account balances, which are maintained for each individual.
Each pay period these balances are credited with an amount equal to a percentage of eligible compensation as defined by the Retirement Plan (which includes, but is not limited to, base pay, performance based incentive pay, commissions, shift differential and overtime).
Prior to March 1, 2010, the percentage ranged from 2.5% to 10% based on employees’ age plus years of service.
Effective March 1, 2010, the percentage ranges from 2.5% to 5% based on employees’ years of service.
Employees eligible for the plan at the time of the change will continue to receive the same percentage they were receiving until the new schedule becomes more favorable.
Employees’ balances are also credited with a fixed rate of interest that is updated each January 1 and is based on the average of the daily five-year U. S.  Treasury Note yields for the previous October 1 through November 30, with a minimum crediting rate of 5%.
Employees are fully vested after three years of service or upon retirement at or after age 65, disability or death while employed.
Employees have the option to receive annuity payments or a lump sum payout of vested balance at termination or retirement.
The Retirement Plan’s year-end is September 30.
In addition, the Company sponsors the Ameriprise Financial Supplemental Retirement Plan (the ‘‘SRP’’), an unfunded non-qualified deferred compensation plan subject to Section 409A of the Internal Revenue Code.
This plan is for certain highly compensated employees to replace the benefit that cannot be provided by the Retirement Plan due to IRS limits.
The SRP generally parallels the Retirement Plan but offers different payment options.
The Company also sponsors unfunded defined benefit postretirement plans that provide health care and life insurance to retired U. S.  employees.
On December 31, 2016, the access to retiree health care coverage was closed to all active employees who had previously met the qualification requirements.
Instead, only existing retirees, as of January 1, 2017, qualifying for the plan and electing coverage will be provided a fixed amount to subsidize health care insurance purchased
Management’s Discussion and Analysis of Financial Condition and Results of Operations – (continued) (Amounts in Millions, Except Per Share Amounts) Net cash used in investing activities during 2013 primarily related to payments for capital expenditures and acquisitions.
Capital expenditures of $173.0 related primarily to computer hardware and software and leasehold improvements.
We made payments of $61.5 related to acquisitions completed during 2013, net of cash acquired.
Financing Activities Net cash used in financing activities during 2014 primarily related to the purchase of long-term debt, the repurchase of our common stock and payment of dividends.
During 2014, we redeemed all $350.0 in aggregate principal amount of the 6.25% Notes, repurchased 14.9 shares of our common stock for an aggregate cost of $275.1, including fees, and made dividend payments of $159.0 on our common stock.
This was offset by the issuance of $500.0 in aggregate principal amount of our 4.20% Notes.
Net cash used in financing activities during 2013 primarily related to the purchase of long-term debt, the repurchase of our common stock and payment of dividends.
We redeemed all $600.0 in aggregate principal amount of our 10.00% Notes.
In addition, we repurchased 31.8 shares of our common stock for an aggregate cost of $481.8, including fees, and made dividend payments of $126.0 on our common stock.
Foreign Exchange Rate Changes The effect of foreign exchange rate changes on cash and cash equivalents included in the Consolidated Statements of Cash Flows resulted in a decrease of $101.0 in 2014.
The decrease was primarily a result of the U. S.  Dollar being stronger than several foreign currencies, including the Canadian Dollar, Brazilian Real, Australian Dollar and the Euro as of December 31, 2014 compared to December 31, 2013.
The effect of foreign exchange rate changes on cash and cash equivalents included in the Consolidated Statements of Cash Flows resulted in a decrease of $94.1 in 2013.
The decrease was primarily a result of the U. S.  Dollar being stronger than several foreign currencies, including the Australian Dollar, Brazilian Real, Canadian Dollar, Japanese Yen, and South African Rand as of December 31, 2013 compared to December 31, 2012.
## Table 2 ##
LIQUIDITY OUTLOOK We expect our cash flow from operations, cash and cash equivalents to be sufficient to meet our anticipated operating requirements at a minimum for the next twelve months.
We also have a committed corporate credit facility as well as uncommitted facilities available to support our operating needs.
We continue to maintain a disciplined approach to managing liquidity, with flexibility over significant uses of cash, including our capital expenditures, cash used for new acquisitions, our common stock repurchase program and our common stock dividends.
From time to time, we evaluate market conditions and financing alternatives for opportunities to raise additional funds or otherwise improve our liquidity profile, enhance our financial flexibility and manage market risk.
Our ability to access the capital markets depends on a number of factors, which include those specific to us, such as our credit rating, and those related to the financial markets, such as the amount or terms of available credit.
There can be no guarantee that we would be able to access new sources of liquidity on commercially reasonable terms, or at all.

<table><tr><td> </td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td> </td><td>2009</td><td>2008</td><td colspan="2">Change</td></tr><tr><td> </td><td colspan="4">(in millions, except percentages)</td></tr><tr><td> Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Net investment income</td><td>$-59</td><td>$-25</td><td>$-34</td><td>NM</td></tr><tr><td>Other revenues</td><td>62</td><td>26</td><td>36</td><td>NM</td></tr><tr><td>Total revenues</td><td>3</td><td>1</td><td>2</td><td>NM</td></tr><tr><td>Banking and deposit interest expense</td><td>1</td><td>2</td><td>-1</td><td>-50</td></tr><tr><td>Total net revenues</td><td>2</td><td>-1</td><td>3</td><td>NM</td></tr><tr><td> Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>3</td><td>1</td><td>2</td><td>NM</td></tr><tr><td>Interest and debt expense</td><td>127</td><td>109</td><td>18</td><td>17</td></tr><tr><td>General and administrative expense</td><td>137</td><td>253</td><td>-116</td><td>-46</td></tr><tr><td>Total expenses</td><td>267</td><td>363</td><td>-96</td><td>-26</td></tr><tr><td>Pretax loss</td><td>$-265</td><td>$-364</td><td>$99</td><td>27%</td></tr></table>
<table><tr><td rowspan="2"></td><td>2016</td><td>2015</td><td>2014</td></tr><tr><td colspan="3">(in millions)</td></tr><tr><td>Balance at January 1</td><td>$161</td><td>$242</td><td>$209</td></tr><tr><td>Additions based on tax positions related to the current year</td><td>15</td><td>18</td><td>17</td></tr><tr><td>Additions for tax positions of prior years</td><td>33</td><td>48</td><td>35</td></tr><tr><td>Reductions for tax positions of prior years</td><td>-87</td><td>-147</td><td>-19</td></tr><tr><td>Audit settlements</td><td>-7</td><td>—</td><td>—</td></tr><tr><td>Balance at December 31</td><td>$115</td><td>$161</td><td>$242</td></tr></table>
<table><tr><td></td><td>December 31,</td></tr><tr><td>Balance Sheet Data</td><td>2014</td><td>2013</td></tr><tr><td>Cash, cash equivalents and marketable securities</td><td>$1,667.2</td><td>$1,642.1</td></tr><tr><td>Short-term borrowings</td><td>$107.2</td><td>$179.1</td></tr><tr><td>Current portion of long-term debt</td><td>2.1</td><td>353.6</td></tr><tr><td>Long-term debt</td><td>1,623.5</td><td>1,129.8</td></tr><tr><td>Total debt</td><td>$1,732.8</td><td>$1,662.5</td></tr></table>

Question: In the year with largest amount of Interest and debt expense, what's the increasing rate of Total expenses?
Answer: -0.26446