No.159 requires that unrealized gains and losses on items for which the fair value option has been elected be reported in earnings at each reporting date.
SFAS No.159 is effective for fiscal years beginning after November 15, 2007 and is required to be adopted by the Company beginning in the first quarter of fiscal 2009.
Although the Company will continue to evaluate the application of SFAS No.159, management does not currently believe adoption will have a material impact on the Company’s financial condition or operating results.
In September 2006, the FASB issued SFAS No.157, Fair Value Measurements, which defines fair value, provides a framework for measuring fair value, and expands the disclosures required for fair value measurements.
SFAS No.157 applies to other accounting pronouncements that require fair value measurements; it does not require any new fair value measurements.
SFAS No.157 is effective for fiscal years beginning after November 15, 2007 and is required to be adopted by the Company beginning in the first quarter of fiscal 2009.
Although the Company will continue to evaluate the application of SFAS No.157, management does not currently believe adoption will have a material impact on the Company’s financial condition or operating results.
In June 2006, the FASB issued FASB Interpretation No.
(‘‘FIN’’) 48, Accounting for Uncertainty in Income Taxes-an Interpretation of FASB Statement No.109.
FIN 48 clarifies the accounting for uncertainty in income taxes by creating a framework for how companies should recognize, measure, present, and disclose in their financial statements uncertain tax positions that they have taken or expect to take in a tax return.
FIN 48 is effective for fiscal years beginning after December 15, 2006 and is required to be adopted by the Company beginning in the first quarter of fiscal 2008.
Although the Company will continue to evaluate the application of FIN 48, management does not currently believe adoption will have a material impact on the Company’s financial condition or operating results.
Liquidity and Capital Resources The following table presents selected financial information and statistics for each of the last three fiscal years (dollars in millions):
## Table 0 ##
As of September 29, 2007, the Company had $15.4 billion in cash, cash equivalents, and short-term investments, an increase of $5.3 billion over the same balance at the end of September 30, 2006.
The principal components of this net increase were cash generated by operating activities of $5.5 billion, proceeds from the issuance of common stock under stock plans of $365 million and excess tax benefits from stock-based compensation of $377 million.
These increases were partially offset by payments for acquisitions of property, plant, and equipment of $735 million and payments for acquisitions of intangible assets of $251 million.
The Company’s short-term investment portfolio is primarily invested in highly rated, liquid investments.
As of September 29, 2007 and September 30, 2006, $6.5 billion and $4.1 billion, respectively, of the Company’s cash, cash equivalents, and short-term investments were held by foreign subsidiaries and are generally based in U. S.  dollar-denominated holdings.
The Company believes its existing balances of cash, cash equivalents, and short-term investments will be sufficient to satisfy its working capital needs, capital expenditures, outstanding commitments, and other liquidity requirements associated with its existing operations over the next 12 months.
Table IV Outstanding Loans and Leases
## Table 1 ##
(1) 2011 and 2010 periods are presented in accordance with new consolidation guidance.
(2) Includes non-U.
S.  residential mortgages of $85 million, $90 million and $552 million at December 31, 2011, 2010 and 2009, respectively.
There were no material non-U.
S.  residential mortgage loans prior to January 1, 2009.
(3) Includes $9.9 billion, $11.8 billion, $13.4 billion and $18.2 billion of pay option loans, and $1.2 billion, $1.3 billion, $1.5 billion and $1.8 billion of subprime loans at December 31, 2011, 2010, 2009 and 2008, respectively.
We no longer originate these products.
(4) Includes dealer financial services loans of $43.0 billion, $43.3 billion, $41.6 billion, $40.1 billion and $37.2 billion; consumer lending loans of $8.0 billion, $12.4 billion, $19.7 billion, $28.2 billion and $24.4 billion; U. S.  securities-based lending margin loans of $23.6 billion, $16.6 billion, $12.9 billion, $0 and $0; student loans of $6.0 billion, $6.8 billion, $10.8 billion, $8.3 billion and $4.7 billion; non-U.
S.  consumer loans of $7.6 billion, $8.0 billion, $8.0 billion, $1.8 billion and $3.4 billion; and other consumer loans of $1.5 billion, $3.2 billion, $4.2 billion, $5.0 billion and $6.8 billion at December 31, 2011, 2010, 2009, 2008 and 2007, respectively.
(5) Includes consumer finance loans of $1.7 billion, $1.9 billion, $2.3 billion, $2.6 billion and $3.0 billion, other non-U.
S.  consumer loans of $929 million, $803 million, $709 million, $618 million and $829 million, and consumer overdrafts of $103 million, $88 million, $144 million, $211 million and $320 million at December 31, 2011, 2010, 2009, 2008 and 2007, respectively.
(6) Certain consumer loans are accounted for under the fair value option and include residential mortgage loans of $906 million and discontinued real estate loans of $1.3 billion at December 31, 2011.
There were no consumer loans accounted for under the fair value option prior to 2011.
Certain commercial loans are accounted for under the fair value option and include U. S.  commercial loans of $2.2 billion, $1.6 billion, $3.0 billion, $3.5 billion and $3.5 billion, commercial real estate loans of $0, $79 million, $90 million, $203 million and $304 million and non-U.
S.  commercial loans of $4.4 billion, $1.7 billion, $1.9 billion, $1.7 billion and $790 million at December 31, 2011, 2010, 2009, 2008 and 2007, respectively.
(7) Includes U. S.  small business commercial loans, including card-related products, of $13.3 billion, $14.7 billion, $17.5 billion, $19.1 billion and $19.3 billion at December 31, 2011, 2010, 2009, 2008 and 2007, respectively.
(8) Includes U. S.  commercial real estate loans of $37.8 billion, $46.9 billion, $66.5 billion, $63.7 billion and $60.2 billion, and non-U.
S.  commercial real estate loans of $1.8 billion, $2.5 billion, $3.0 billion, $979 million and $1.1 billion at December 31, 2011, 2010, 2009, 2008 and 2007, respectively.
n/a = not applicable
fiscal 2007, $94.8 million in fiscal 2006, and $51.0 million in fiscal 2005.
Proceeds received when we refinance receivables in public securitizations are excluded from this table as they are not considered new securitizations.
Proceeds from collections.
Proceeds from collections reinvested in revolving period securitizations represent principal amounts collected on receivables securitized through the warehouse facility that are used to fund new originations.
Servicing fees.
Servicing fees received represent cash fees paid to CarMax to service the securitized receivables.
Other cash flows received from the retained interest.
Other cash flows received from the retained interest represents cash that we receive from the securitized receivables other than servicing fees.
It includes cash collected on interest-only strip receivables and amounts released to us from reserve accounts.
Financial Covenants and Performance Triggers Certain of the securitization agreements include various financial covenants and performance triggers.
These agreements require us to meet financial covenants related to maintaining minimum tangible net worth, maximum total liabilities to tangible net worth ratio, minimum current ratio, and minimum fixed charge coverage ratio.
Performance triggers require certain pools of securitized receivables to achieve specified thresholds related to portfolio yields, loss rates, and delinquency rates.
If these financial covenants and/or thresholds are not met, in addition to other consequences, we may be unable to continue to securitize receivables through the warehouse facility.
At February 28, 2007, we were in compliance with the financial covenants, and the securitized receivables were in compliance with the performance triggers.5.
FINANCIAL DERIVATIVES We enter into amortizing fixed-pay interest rate swaps relating to our automobile loan receivable securitizations.
Swaps are used to better match funding costs to the fixed-rate receivables being securitized by converting variablerate financing costs in the warehouse facility to fixed-rate obligations.
We entered into two 17-month and forty 40- month amortizing interest rate swaps with initial notional amounts totaling approximately $2.05 billion in fiscal 2007, and two 17-month and twenty-five 40-month amortizing interest rate swaps with initial notional amounts totaling approximately $1.57 billion in fiscal 2006.
The amortized notional amount of all outstanding swaps related to the automobile loan receivable securitizations was approximately $597.5 million at February 28, 2007, and $584.0 million at February 28, 2006.
The fair value of swaps included in accounts payable totaled a net liability of $1.0 million at February 28, 2007, and the fair value of swaps included in prepaid expenses and other current assets totaled a net asset of $1.6 million at February 28, 2006.
The market and credit risks associated with interest rate swaps are similar to those relating to other types of financial instruments.
Market risk is the exposure created by potential fluctuations in interest rates.
We do not anticipate significant market risk from swaps as they are used on a monthly basis to match funding costs to the use of the funding.
Credit risk is the exposure to nonperformance of another party to an agreement.
We mitigate credit risk by dealing with highly rated bank counterparties.6.
PROPERTY AND EQUIPMENT
## Table 2 ##

<table><tr><td></td><td>September 29, 2007</td><td>September 30, 2006</td><td>September 24, 2005</td></tr><tr><td>Cash, cash equivalents, and short-term investments</td><td>$15,386</td><td>$10,110</td><td>$8,261</td></tr><tr><td>Accounts receivable, net</td><td>$1,637</td><td>$1,252</td><td>$895</td></tr><tr><td>Inventory</td><td>$346</td><td>$270</td><td>$165</td></tr><tr><td>Working capital</td><td>$12,657</td><td>$8,066</td><td>$6,813</td></tr><tr><td>Annual operating cash flow</td><td>$5,470</td><td>$2,220</td><td>$2,535</td></tr></table>
<table><tr><td></td><td colspan="5">December 31</td></tr><tr><td>(Dollars in millions)</td><td>2011</td><td>2010<sup>-1</sup></td><td>2009</td><td>2008</td><td>2007</td></tr><tr><td>Consumer</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage<sup>-2</sup></td><td>$262,290</td><td>$257,973</td><td>$242,129</td><td>$248,063</td><td>$274,949</td></tr><tr><td>Home equity</td><td>124,699</td><td>137,981</td><td>149,126</td><td>152,483</td><td>114,820</td></tr><tr><td>Discontinued real estate<sup>-3</sup></td><td>11,095</td><td>13,108</td><td>14,854</td><td>19,981</td><td>n/a</td></tr><tr><td>U.S. credit card</td><td>102,291</td><td>113,785</td><td>49,453</td><td>64,128</td><td>65,774</td></tr><tr><td>Non-U.S. credit card</td><td>14,418</td><td>27,465</td><td>21,656</td><td>17,146</td><td>14,950</td></tr><tr><td>Direct/Indirect consumer<sup>-4</sup></td><td>89,713</td><td>90,308</td><td>97,236</td><td>83,436</td><td>76,538</td></tr><tr><td>Other consumer<sup>-5</sup></td><td>2,688</td><td>2,830</td><td>3,110</td><td>3,442</td><td>4,170</td></tr><tr><td>Total consumer loans</td><td>607,194</td><td>643,450</td><td>577,564</td><td>588,679</td><td>551,201</td></tr><tr><td>Consumer loans accounted for under the fair value option<sup>-6</sup></td><td>2,190</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total consumer</td><td>609,384</td><td>643,450</td><td>577,564</td><td>588,679</td><td>551,201</td></tr><tr><td>Commercial</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. commercial<sup>-7</sup></td><td>193,199</td><td>190,305</td><td>198,903</td><td>219,233</td><td>208,297</td></tr><tr><td>Commercial real estate<sup>-8</sup></td><td>39,596</td><td>49,393</td><td>69,447</td><td>64,701</td><td>61,298</td></tr><tr><td>Commercial lease financing</td><td>21,989</td><td>21,942</td><td>22,199</td><td>22,400</td><td>22,582</td></tr><tr><td>Non-U.S. commercial</td><td>55,418</td><td>32,029</td><td>27,079</td><td>31,020</td><td>28,376</td></tr><tr><td>Total commercial loans</td><td>310,202</td><td>293,669</td><td>317,628</td><td>337,354</td><td>320,553</td></tr><tr><td>Commercial loans accounted for under the fair value option<sup>-6</sup></td><td>6,614</td><td>3,321</td><td>4,936</td><td>5,413</td><td>4,590</td></tr><tr><td>Total commercial</td><td>316,816</td><td>296,990</td><td>322,564</td><td>342,767</td><td>325,143</td></tr><tr><td>Total loans and leases</td><td>$926,200</td><td>$940,440</td><td>$900,128</td><td>$931,446</td><td>$876,344</td></tr></table>
<table><tr><td></td><td colspan="2">As of February 28</td></tr><tr><td>(In thousands)</td><td>2007</td><td>2006</td></tr><tr><td>Land</td><td>$138,211</td><td>$85,814</td></tr><tr><td>Land held for sale</td><td>918</td><td>1,515</td></tr><tr><td>Land held for development</td><td>14,461</td><td>6,084</td></tr><tr><td>Buildings</td><td>265,159</td><td>146,738</td></tr><tr><td>Capital leases</td><td>37,122</td><td>37,122</td></tr><tr><td>Leasehold improvements</td><td>53,696</td><td>47,513</td></tr><tr><td>Furniture, fixtures, and equipment</td><td>174,884</td><td>154,378</td></tr><tr><td>Construction in progress</td><td>104,771</td><td>124,381</td></tr><tr><td>Total property and equipment</td><td>789,222</td><td>603,545</td></tr><tr><td>Less accumulated depreciation and amortization</td><td>137,372</td><td>104,247</td></tr><tr><td>Property and equipment, net</td><td>$651,850</td><td>$499,298</td></tr></table>

Question: What is the growing rate of Total consumer loans in the years with the least Other consumer?
Answer: -0.05635