Stock Price Performance The following graph shows a comparison of the cumulative total return on our common stock, the Standard & Poor’s 500 Index and the Standard & Poor’s Retail Index.
The graph assumes that the value of an investment in our common stock and in each such index was $100 on January 3, 2009, and that any dividends have been reinvested.
The comparison in the graph below is based solely on historical data and is not intended to forecast the possible future performance of our common stock.
COMPARISON OF CUMULATIVE TOTAL RETURN AMONG ADVANCE AUTO PARTS, INC. , S&P 500 INDEX AND S&P RETAIL INDEX
## Table 0 ##
$8 million increase in disability income reserves in the second quarter of 2013 related to prior periods and a $9 million benefit from a life insurance reserve release in the prior year.
The increase in expenses related to our auto and home business was driven by higher claim and claim adjustment expense reflecting the impact of growth in exposures due to a 29% increase in gross new policies and higher loss cost trends, partially offset by lower catastrophe losses.
Auto and home catastrophe losses were $42 million in 2013 compared to $51 million in the prior year, including $20 million from Superstorm Sandy.
Benefits, claims, losses and settlement expenses for the year ended December 31, 2013 included a $4 million benefit from unlocking compared to a $14 million benefit in the prior year.
The primary driver of the unlocking impact in both periods was favorable mortality experience.
Amortization of DAC increased $8 million, or 7%, to $118 million for the year ended December 31, 2013 compared to $110 million for the prior year due to the impact of unlocking.
The impact of unlocking was a $3 million benefit for the year ended December 31, 2013 compared to a $14 million benefit in the prior year.
The primary driver of the unlocking impact in both periods was a lower mortality assumption.
Corporate & Other The following table presents the results of operations of our Corporate & Other segment on an operating basis:
## Table 1 ##
NM Not Meaningful.
Our Corporate & Other segment pretax operating loss excludes net realized gains or losses, the impact of consolidating CIEs and restructuring charges.
Our Corporate & Other segment pretax operating loss was $229 million for the year ended December 31, 2013 compared to $177 million for the prior year.
Corporate & Other segment results reflected $26 million of higher interest and debt expense compared to the prior year due to $19 million in costs related to the early retirement of $350 million of our senior notes due 2015, as well as higher interest expense due to the issuance of debt in 2013.
General and administrative expense for the prior year included a $15 million benefit from a settlement with a third-party service provider.
Fair Value Measurements We report certain assets and liabilities at fair value; specifically, separate account assets, derivatives, embedded derivatives, properties held by our consolidated property funds, and most investments and cash equivalents.
Fair value assumes the exchange of assets or liabilities occurs in orderly transactions and is not the result of a forced liquidation or distressed sale.
We include actual market prices, or observable inputs, in our fair value measurements to the extent available.
Broker quotes are obtained when quotes from pricing services are not available.
We validate prices obtained from third parties through a variety of means such as: price variance analysis, subsequent sales testing, stale price review, price comparison across pricing vendors and due diligence reviews of vendors.
See Note 14 to the Consolidated Financial Statements for additional information on our fair value measurements.
Fair Value of Liabilities and Nonperformance Risk Companies are required to measure the fair value of liabilities at the price that would be received to transfer the liability to a market participant (an exit price).
Since there is not a market for our obligations of our variable annuity riders and indexed universal life insurance, we consider the assumptions participants in a hypothetical market would make to reflect an exit price.
As a result, we adjust the valuation of variable annuity riders and indexed universal life insurance by updating
Full Value Share Award Activity A summary of activity for the Company’s restricted stock awards, restricted stock units granted to employees (including advisors), compensation deferrals into stock and deferred share units for 2014 is presented below (shares in millions):
## Table 2 ##
The deferred shares in the table above primarily relate to franchise advisor voluntary deferrals of their commissions into Ameriprise Financial stock under the Franchise Advisor Deferral Plan that are fully vested at the deferral date.
The fair value of full value share awards vested during the years ended December 31, 2014, 2013 and 2012 was $259 million, $120 million and $103 million, respectively.
The weighted average grant date fair value for restricted shares, restricted stock units and deferred share units during 2014, 2013 and 2012 was $109.60, $68.90 and $54.32, respectively.
The weighted average grant date fair value for franchise advisor and advisor group deferrals during 2014, 2013 and 2012 was $114.69, $80.77 and $54.98, respectively.
Performance Share Units Under the 2005 ICP, the Company’s Executive Leadership Team may be awarded a target number of performance share units (‘‘PSUs’’).
PSUs will be earned only to the extent that the Company attains certain goals relating to the Company’s performance and relative total shareholder returns against peers over a three-year period.
The awards also have a three-year service condition with cliff vesting with an accelerated service condition based on age and length of service.
The actual number of PSUs ultimately earned could vary from zero, if performance goals are not met, to as much as 200% of the target, if performance goals are significantly exceeded.
The value of each target PSU is equal to the value of one share of Ameriprise common stock.
The total amount of target PSUs outstanding at the end of December 31, 2014, 2013 and 2012 was 0.2 million, 0.3 million, 0.2 million, respectively.
The PSUs are liability awards.
During the year ended December 31, 2014, the value of shares settled for PSU awards was $20 million.
There were no settlements made for PSU awards for the years ended December 31, 2013 and 2012.
Threadneedle Equity Incentive Plan Prior to 2012, certain key Threadneedle employees were eligible for awards under the EIP based on a formula tied to Threadneedle’s financial performance.
Awards under the EIP were first made in April 2009; prior awards were made under the equity participation plan (‘‘EPP’’).
In 2011, Threadneedle’s articles of incorporation were amended to create a new class of Threadneedle corporate units to be granted under a modified EIP plan.
Employees who held EIP units granted prior to 2011 were given the choice to exchange their existing units at the exchange date.
EIP awards may be settled in cash or Threadneedle corporate units according to the award’s terms.
For awards granted prior to 2011, the EIP provides for 100% vesting after three years, with a mandatory call after six years.
For converted units and awards granted after February 2011, the EIP provides for 100% vesting after two and a half years, with no mandatory call date.
Converted units and units granted after February 2011 have dividend rights once fully vested.
The EPP provides for 50% vesting after three years and 50% vesting after four years, with required cash-out after five years.
EIP and EPP awards are subject to forfeitures based on future service requirements.
The EIP awards were no longer awarded after 2012 and instead Threadneedle employees received awards under the 2005 ICP.
The value of the EPP and EIP awards is recognized as compensation expense evenly over the vesting periods.
Generally, the expense is based on the grant date fair value of the awards as determined by an annual independent valuation of Threadneedle’s fair market value; however, for awards accounted for as a liability the expense is adjusted to reflect Threadneedle’s current calculated value (the change in the value of the awards is recognized immediately for vested awards and over the remaining vesting period for unvested awards).
During the years ended December 31, 2014, 2013 and 2012, cash settlements of EPP and EIP awards were $28 million, $23 million and $31 million, respectively.

<table><tr><td>Company/Index</td><td>January 3, 2009</td><td>January 2, 2010</td><td>January 1, 2011</td><td>December 31, 2011</td><td>December 29, 2012</td><td>December 28, 2013</td></tr><tr><td>Advance Auto Parts</td><td>$100.00</td><td>$119.28</td><td>$195.80</td><td>$206.86</td><td>$213.14</td><td>$327.63</td></tr><tr><td>S&P 500 Index</td><td>100.00</td><td>119.67</td><td>134.97</td><td>134.96</td><td>150.51</td><td>197.62</td></tr><tr><td>S&P Retail Index</td><td>100.00</td><td>141.28</td><td>174.70</td><td>179.79</td><td>219.77</td><td>321.02</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2013</td><td>2012</td><td colspan="2">Change</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td>Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$—</td><td>$-1</td><td>$1</td><td>NM</td></tr><tr><td>Distribution fees</td><td>1</td><td>1</td><td>—</td><td>—%</td></tr><tr><td>Net investment income</td><td>8</td><td>15</td><td>-7</td><td>-47</td></tr><tr><td>Other revenues</td><td>6</td><td>10</td><td>-4</td><td>-40</td></tr><tr><td>Total revenues</td><td>15</td><td>25</td><td>-10</td><td>-40</td></tr><tr><td>Banking and deposit interest expense</td><td>—</td><td>-1</td><td>1</td><td>NM</td></tr><tr><td>Total net revenues</td><td>15</td><td>26</td><td>-11</td><td>-42</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>1</td><td>—</td><td>1</td><td>NM</td></tr><tr><td>Interest and debt expense</td><td>33</td><td>7</td><td>26</td><td>NM</td></tr><tr><td>General and administrative expense</td><td>210</td><td>196</td><td>14</td><td>7</td></tr><tr><td>Total expenses</td><td>244</td><td>203</td><td>41</td><td>20</td></tr><tr><td>Operating loss</td><td>$-229</td><td>$-177</td><td>$-52</td><td>-29%</td></tr></table>
<table><tr><td></td><td>Shares</td><td>Weighted Average Grant-date Fair Value</td></tr><tr><td>Non-vested shares at January 1</td><td>2.8</td><td>$43.87</td></tr><tr><td>Granted</td><td>0.7</td><td>109.71</td></tr><tr><td>Deferred</td><td>0.3</td><td>116.29</td></tr><tr><td>Vested</td><td>-2.3</td><td>49.32</td></tr><tr><td>Forfeited</td><td>-0.1</td><td>77.97</td></tr><tr><td>Non-vested shares at December 31</td><td>1.4</td><td>80.68</td></tr></table>

Question: What's the growth rate of General and administrative expense in 2013?
Answer: 0.07143