American International Group, Inc.  and Subsidiaries Management’s Discussion and Analysis of Financial Condition and Results of Operations Continued Asia Results Asia results on a sub-product basis for 2007, 2006 and 2005 were as follows:
## Table 0 ##
(a) Includes the effect of an out of period UCITS adjustment in 2006, which increased net investment income and operating income by $208 million and $137 million, respectively.2007 and 2006 Comparison Total revenues in Asia in 2007 increased compared to 2006 primarily due to higher premiums and other considerations and net investment income, partially offset by lower net realized capital gains.
Premiums and other considerations increased in 2007 compared to 2006, notwithstanding a continued trend toward investment-oriented products where only a portion of policy charges are reported as premiums.
Sales of investment-oriented life products have been particularly strong in Hong Kong, Korea and Singapore and more recently in Taiwan.
Net investment income grew due to higher policyholder trading gains, higher partnership and unit investment trust income and growth in underlying invested assets.
Net realized capital gains in 2007 were lower compared to 2006 due to an increase in other-than- temporary impairmentchargesand the change in fair value of derivatives that do not qualify for hedge accounting treatment under FAS 133, partially offset by a positive out-of-period adjustment of $158 million related to foreign exchange remedia- tion activities.
Operating income in 2007 increased compared to 2006.
Operating income in 2007 included a $370 million positive effect of changes in actuarial estimates along with higher
## Table 1 ##
* For 2017 and 2016, because we reported a net loss, all common stock equivalents are anti-dilutive and are therefore excluded from the calculation of diluted shares and diluted per share amounts.
However, because we reported adjusted after-tax income, the calculation of adjusted after-tax income per diluted share includes 22,412,682 dilutive shares and 30,326,772 dilutive shares for 2017 and 2016, respectively.
PRE-TAX INCOME (LOSS) COMPARISON FOR 2017 AND 2016 Pre-tax results increased in 2017 compared to 2016 primarily due to: ?
an increase in General Insurance Adjusted pre-tax income due to unfavorable prior year loss reserve development of $1.0 billion in 2017 driven by higher than expected loss emergence in General Insurance primarily related to accident year 2016 compared to $5.4 billion in 2016, partially offset by higher aggregate pre-tax catastrophe losses of $4.2 billion, which included losses from Hurricanes Harvey, Irma and Maria, the earthquake in Mexico and the wildfires in California, compared to catastrophe losses of $1.3 billion in the prior year; ?
lower general operating and other expenses reflecting strategic actions to reduce expenses and divestitures of businesses, including United Guaranty, AIG Advisor Group, Inc.  (AIG Advisor Group), Fuji Life and NSM; ?
a net positive adjustment from the update of Life and Retirement actuarial assumptions compared to a net negative adjustment in the prior year; ?
higher Adjusted pre-tax income from the Legacy Portfolio; ?
an increase in net investment income due to higher income on alternative investments, primarily in our hedge fund portfolio and higher gains on assets for which we elected the fair value option, which more than offset lower invested assets and blended investment yields on new investments that were lower than the average yield of our existing portfolios; and ?
a decrease in net realized capital losses reflecting: ?
foreign exchange gains in 2017 compared to foreign exchange losses in the prior year due to $910 million of remeasurement losses for a short-term intercompany balance in 2016; and ?
lower other-than-temporary impairments.
Partially offset by: ?
movement in the non-performance or ?own credit?
risk adjustment (NPA), driven by tightening credit spreads and lower expected GMWB payments due to higher equity markets, and higher derivative losses from variable annuity GMWB, net of hedges, including losses from guaranteed living benefit embedded derivatives, net of hedging, primarily due to a higher net negative adjustment from updates of actuarial assumptions; and ?
gains in the prior year on the sale of a portion of our investment in People?s Insurance Company (Group) of China Limited and PICC Property & Casualty Company Limited (collectively, our PICC Investment).
The increase in pre-tax results was partially offset by lower income from divested businesses in 2017 compared to the prior year due to gains on the sales of United Guaranty, AIG Advisor Group and NSM, partially offset by losses on the agreements to sell Fuji Life to FWD Group and certain insurance operations and assets to Fairfax.
reinvested for continued use in foreign operations.
If the total undistributed earnings of foreign subsidiaries were remitted, a significant amount of the additional tax would be offset by the allowable foreign tax credits.
It is not practical for us to determine the additional tax of remitting these earnings.
In September 2007, we reached a settlement with the United States Department of Justice to resolve an investigation into financial relationships between major orthopaedic manufacturers and consulting orthopaedic surgeons.
Under the terms of the settlement, we paid a civil settlement amount of $169.5 million and we recorded an expense in that amount.
At the time, no tax benefit was recorded related to the settlement expense due to the uncertainty as to the tax treatment.
During the third quarter of 2008, we reached an agreement with the U. S.  Internal Revenue Service (IRS) confirming the deductibility of a portion of the settlement payment.
As a result, during 2008 we recorded a current tax benefit of $31.7 million.
In June 2006, the Financial Accounting Standards Board (FASB) issued Interpretation No.48, Accounting for Uncertainty in Income Taxes – an interpretation of FASB Statement No.109, Accounting for Income Taxes (FIN 48).
FIN 48 addresses the determination of whether tax benefits claimed or expected to be claimed on a tax return should be recorded in the financial statements.
Under FIN 48, we may recognize the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position.
The tax benefits recognized in the financial statements from such a position should be measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement.
FIN 48 also provides guidance on derecognition, classification, interest and penalties on income taxes, accounting in interim periods and requires increased disclosures.
We adopted FIN 48 on January 1, 2007.
Prior to the adoption of FIN 48 we had a long term tax liability for expected settlement of various federal, state and foreign income tax liabilities that was reflected net of the corollary tax impact of these expected settlements of $102.1 million, as well as a separate accrued interest liability of $1.7 million.
As a result of the adoption of FIN 48, we are required to present the different components of such liability on a gross basis versus the historical net presentation.
The adoption resulted in the financial statement liability for unrecognized tax benefits decreasing by $6.4 million as of January 1, 2007.
The adoption resulted in this decrease in the liability as well as a reduction to retained earnings of $4.8 million, a reduction in goodwill of $61.4 million, the establishment of a tax receivable of $58.2 million, which was recorded in other current and non-current assets on our consolidated balance sheet, and an increase in an interest/penalty payable of $7.9 million, all as of January 1, 2007.
Therefore, after the adoption of FIN 48, the amount of unrecognized tax benefits is $95.7 million as of January 1, 2007.
As of December 31, 2008, the amount of unrecognized tax benefits is $129.5 million.
Of this amount, $45.5 million would impact our effective tax rate if recognized.
$38.2 million of the $129.5 million liability for unrecognized tax benefits relate to tax positions of acquired entities taken prior to their acquisition by us.
Under FAS 141(R), if these liabilities are settled for different amounts, they will affect the income tax expense in the period of reversal or settlement.
The following is a tabular reconciliation of the total amounts of unrecognized tax benefits (in millions):
## Table 2 ##
We recognize accrued interest and penalties related to unrecognized tax benefits in income tax expense in the Consolidated Statements of Earnings, which is consistent with the recognition of these items in prior reporting periods.
As of December 31, 2007, we recorded a liability of $19.6 million for accrued interest and penalties, of which $14.7 million would impact our effective tax rate, if recognized.
The amount of this liability is $22.9 million as of December 31, 2008.
Of this amount, $17.1 million would impact our effective tax rate, if recognized.
We expect that the amount of tax liability for unrecognized tax benefits will change in the next twelve months; however, we do not expect these changes will have a significant impact on our results of operations or financial position.
The U. S.  federal statute of limitations remains open for the year 2003 and onward.
The U. S.  federal returns for years 2003 and 2004 are currently under examination by the IRS.
On July 15, 2008, the IRS issued its examination report.
We filed a formal protest on August 15, 2008 and requested a conference with the Appeals Office regarding disputed issues.
Although the appeals process could take several years, we do not anticipate resolution of the audit will result in any significant impact on our results of operations, financial position or cash flows.
In addition, for the 1999 tax year of Centerpulse, which we acquired in October 2003, one issue remains in dispute.
State income tax returns are generally subject to examination for a period of 3 to 5 years after filing of the respective return.
The state impact of any federal changes remains subject to examination by various states for a period of up to one year after formal notification to the states.
We have various state income tax returns in the process of examination, administrative appeals or litigation.
It is

<table><tr><td><i>(in millions)</i></td><td>Premiums and Other Considerations</td><td>Net Investment Income</td><td>Net Realized Capital Gains (Losses)</td><td>Total Revenues</td><td>Operating Income (Loss)</td></tr><tr><td> 2007</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance</td><td>$11,631</td><td>$5,360</td><td>$177</td><td>$17,168</td><td>$2,705</td></tr><tr><td>Personal accident</td><td>1,869</td><td>150</td><td>-2</td><td>2,017</td><td>386</td></tr><tr><td>Group products</td><td>661</td><td>127</td><td>-77</td><td>711</td><td>13</td></tr><tr><td>Individual fixed annuities</td><td>52</td><td>123</td><td>10</td><td>185</td><td>48</td></tr><tr><td>Individual variable annuities</td><td>1</td><td>6</td><td>-1</td><td>6</td><td>1</td></tr><tr><td>Total</td><td>$14,214</td><td>$5,766</td><td>$107</td><td>$20,087</td><td>$3,153</td></tr><tr><td>2006</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance<i><sup>(a)</sup></i></td><td>$10,949</td><td>$4,188</td><td>$258</td><td>$15,395</td><td>$2,516</td></tr><tr><td>Personal accident</td><td>1,561</td><td>123</td><td>6</td><td>1,690</td><td>337</td></tr><tr><td>Group products</td><td>486</td><td>107</td><td>34</td><td>627</td><td>178</td></tr><tr><td>Individual fixed annuities</td><td>63</td><td>97</td><td>3</td><td>163</td><td>27</td></tr><tr><td>Individual variable annuities</td><td>1</td><td>4</td><td>—</td><td>5</td><td>2</td></tr><tr><td>Total</td><td>$13,060</td><td>$4,519</td><td>$301</td><td>$17,880</td><td>$3,060</td></tr><tr><td>2005</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance</td><td>$10,779</td><td>$3,056</td><td>$146</td><td>$13,981</td><td>$1,907</td></tr><tr><td>Personal accident</td><td>1,214</td><td>118</td><td>-15</td><td>1,317</td><td>241</td></tr><tr><td>Group products</td><td>452</td><td>78</td><td>25</td><td>555</td><td>131</td></tr><tr><td>Individual fixed annuities</td><td>69</td><td>56</td><td>—</td><td>125</td><td>8</td></tr><tr><td>Individual variable annuities</td><td>—</td><td>4</td><td>—</td><td>4</td><td>-1</td></tr><tr><td>Total</td><td>$12,514</td><td>$3,312</td><td>$156</td><td>$15,982</td><td>$2,286</td></tr><tr><td> Percentage Increase/(Decrease) 2007 vs. 2006:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance</td><td>6%</td><td>28%</td><td>-31%</td><td>12%</td><td>8%</td></tr><tr><td>Personal accident</td><td>20</td><td>22</td><td>—</td><td>19</td><td>15</td></tr><tr><td>Group products</td><td>36</td><td>19</td><td>—</td><td>13</td><td>-93</td></tr><tr><td>Individual fixed annuities</td><td>-17</td><td>27</td><td>233</td><td>13</td><td>78</td></tr><tr><td>Individual variable annuities</td><td>—</td><td>50</td><td>—</td><td>20</td><td>-50</td></tr><tr><td>Total</td><td>9%</td><td>28%</td><td>-64%</td><td>12%</td><td>3%</td></tr><tr><td>Percentage Increase/(Decrease) 2006 vs. 2005:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Life insurance</td><td>2%</td><td>37%</td><td>77%</td><td>10%</td><td>32%</td></tr><tr><td>Personal accident</td><td>29</td><td>4</td><td>—</td><td>28</td><td>40</td></tr><tr><td>Group products</td><td>8</td><td>37</td><td>36</td><td>13</td><td>36</td></tr><tr><td>Individual fixed annuities</td><td>-9</td><td>73</td><td>—</td><td>30</td><td>238</td></tr><tr><td>Individual variable annuities</td><td>—</td><td>—</td><td>—</td><td>25</td><td>—</td></tr><tr><td>Total</td><td>4%</td><td>36%</td><td>93%</td><td>12%</td><td>34%</td></tr></table>
<table><tr><td> income</td><td>$3,158</td><td>$906</td><td>$2,231</td><td>$1,415</td><td>$448</td><td>$406</td><td>$3,984</td><td>$1,115</td><td>$2,872</td></tr><tr><td> Weighted average diluted shares outstanding</td><td></td><td></td><td>930.6</td><td></td><td></td><td>1,091.1</td><td></td><td></td><td>1,334.5</td></tr><tr><td> Income (loss) per common share attributable</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td> to AIG (diluted)</td><td></td><td></td><td>$-6.54</td><td></td><td></td><td>$-0.78</td><td></td><td></td><td>$1.65</td></tr><tr><td> After-tax operating income per</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td> common share attributable to AIG (diluted)</td><td></td><td></td><td>$2.34</td><td></td><td></td><td>$0.36</td><td></td><td></td><td>$2.15</td></tr></table>
<table><tr><td></td><td>2008</td><td>2007</td></tr><tr><td>Balance at January 1</td><td>$135.2</td><td>$95.7</td></tr><tr><td>Increases related to prior periods</td><td>12.1</td><td>27.4</td></tr><tr><td>Decreases related to prior periods</td><td>-32.0</td><td>-5.5</td></tr><tr><td>Increases related to current period</td><td>15.8</td><td>21.9</td></tr><tr><td>Decreases related to settlements with taxing authorities</td><td>-1.3</td><td>-1.3</td></tr><tr><td>Decreases related to lapse of statue of limitations</td><td>-0.3</td><td>-3.0</td></tr><tr><td>Balance at December 31</td><td>$129.5</td><td>$135.2</td></tr></table>

Question: In the year with the most Life insurance of Premiums and Other Considerations, what is the growth rate of Group products of Premiums and Other Considerations?
Answer: 0.36008