## Table 0 ##
(1) In addition to loan production in CRES, the remaining first mortgage and home equity loan production is primarily in GWIM.
(2) Servicing of residential mortgage loans, home equity lines of credit, home equity loans and discontinued real estate mortgage loans.
(3) The total Corporation mortgage servicing portfolio included $1,029 billion in Home Loans and $734 billion in Legacy Asset Servicing at December 31, 2011.
The total Corporation mortgage loans serviced for investors included $831 billion in Home Loans and $548 billion in Legacy Asset Servicing at December 31, 2011.
First mortgage production was $151.8 billion in 2011 compared to $298.0 billion in 2010 with the decrease primarily due to a reduction in both the correspondent and retail sales channels.
Additionally, the overall industry market demand for mortgages dropped by approximately 17 percent in 2011, contributing to the decline in mortgage production.
We expect our market share of mortgage originations in 2012 to be lower than our market share in 2011, due to our exit from the correspondent channel.
Home equity production was $4.4 billion in 2011 compared to $8.4 billion in 2010 with the decrease primarily due to a decline in reverse mortgage originations based on our decision to exit this business in 2011.
At December 31, 2011, the consumer MSR balance was $7.4 billion, which represented 54 bps of the related unpaid principal balance compared to $14.9 billion or 92 bps of the related unpaid principal balance at December 31, 2010.
The decline in the consumer MSR balance was primarily driven by lower mortgage rates, which resulted in higher forecasted prepayment speeds combined with the impact of elevated expected costs to service delinquent loans, which reduced expected cash flows and the value of the MSRs, and MSR sales.
In addition, the MSRs declined as a result of customer payments.
These declines were partially offset by adjustments to prepayment models to reflect muted refinancing activity relative to historic norms and by the addition of new MSRs recorded in connection with sales of loans.
During 2011, MSRs in the amount of $896 million were sold.
Gains recognized on these transactions were not significant.
These sales were undertaken to reduce the balance of MSRs, lower our defaultrelated servicing costs and reduce risk in certain portfolios in preparation of the implementation of Basel III.
For additional information on Basel III, see Capital Management – Regulatory Capital Changes on page 67 and for information on MSRs and the related hedge instruments, see Mortgage Banking Risk Management on page 113 and Note 25 – Mortgage Servicing Rights to the Consolidated Financial Statements.
We recorded share-based compensation expense of $32.2 million for fiscal 2013, $25.2 million for fiscal 2012 and $21.9 million for fiscal 2011.
The tax benefit related to share-based compensation expense was $11.4 million for fiscal 2013, $8.7 million for fiscal 2012 and $7.8 million for fiscal 2011.
As of May 31, 2013, there was $17.9 million of total unrecognized compensation cost related to options, restricted stock units and performance units granted under the Omnibus Plan.
The unrecognized compensation cost is expected to be recognized over a weighted-average period of 1.9 years.
The total fair value of options vested in fiscal 2013 and 2012 was $9.5 million and $10.2 million, respectively.
Cash received from exercises of all share-based payment arrangements for fiscal 2013, 2012 and 2011 was $6.0 million, $3.0 million and $20.3 million, respectively.
In fiscal 2013, 2012 and 2011 we received a tax benefit for tax deductions from options of $6.4 million, $3.7 million and $20.9 million, respectively.20.
COMMITMENTS We lease certain plants, warehouses, terminals, office facilities, railcars and various types of equipment under operating leases, some of which include rent payment escalation clauses, with lease terms ranging from one to ten years.
In addition to minimum lease payments, some of our office facility leases require payment of our proportionate share of real estate taxes and building operating expenses.
We have long-term agreements for the purchase of sulfur which is used in the production of phosphoric acid.
In addition, we have long-term agreements for the purchase of raw materials, including a commercial offtake agreement with the Miski Mayo Mine for phosphate rock, used to produce phosphate products.
We have long-term agreements for the purchase of natural gas, which is a significant raw material, used primarily in the solution mining process in our Potash segment and used in our phosphate concentrates plants.
Also, we have agreements for capital expenditures primarily in our Potash segments related to our expansion projects.
A schedule of future minimum long-term purchase commitments, based on May 31, 2013 market prices, and minimum lease payments under non-cancelable operating leases as of May 31, 2013 follows:
## Table 1 ##
Rental expense for fiscal 2013, 2012 and 2011 amounted to $88.8 million, $80.0 million and $79.5 million, respectively.
Purchases made under long-term commitments were $2.7 billion, $3.1 billion and $2.2 billion for fiscal 2013, 2012, and 2011, respectively.
Most of our export sales of phosphate and potash crop nutrients are marketed through two North American export associations, PhosChem and Canpotex, which may fund their operations in part through third-party financing facilities.
As a member, Mosaic or our subsidiaries are contractually obligated to reimburse the export associations for their pro rata share of any operating expenses or other liabilities incurred.
The reimbursements are made through reductions to members’ cash receipts from the export associations.
Under an agreement (the “Tolling Agreement”) with Potash Corporation of Saskatchewan Inc.  (“PCS”), our wholly-owned subsidiary, Mosaic Potash Esterhazy Limited Partnership (“Mosaic Esterhazy”), mined and refined PCS’ potash reserves at our Esterhazy mine for a fee plus a pro rata share of operating and capital costs for approximately forty years.
Under the agreement, we delivered to PCS up to approximately 1.1 million tonnes of potash per year.
As previously reported, on December 7, 2011, we and PCS settled, among other matters, a dispute regarding the expiration of the Tolling Agreement.
Under the settlement, the Tolling Agreement expired on December 31, 2012.
The productive capacity at our Esterhazy mine previously used to satisfy our obligations under the Tolling Agreement is now fully available to us for sales to any of our customers at then-current market prices.
In addition, effective December 31, 2012, we received credit for 1.2 million metric tonnes of capacity at our Esterhazy mine for purposes of calculating our relative share of annual sales of potash to international customers by Canpotex Limited, capacity which was previously allocated to PCS.
Canpotex is an export association of certain Canadian potash producers.
Canpotex sales are generally allocated among the producer members based on production capacity.
For fiscal 2013, 2012 and 2011, total revenue under this contract was $118.5 million, $158.2 million and $186.8 million, respectively.
The fair value of performance awards is calculated using the market value of a share of Snap-on’s common stock on the date of grant.
The weighted-average grant date fair value of performance awards granted during 2013, 2012 and 2011 was $77.33, $60.00 and $55.97, respectively.
Vested performance share units approximated 148,000 shares as of 2013 year end, 213,000 shares as of 2012 year end and 54,208 shares as of 2011 year end.
Performance share units of 213,459 shares were paid out in 2013 and 53,990 shares were paid out in 2012; no performance share units were paid out in 2011.
Earned performance share units are generally paid out following the conclusion of the applicable performance period upon approval by the Organization and Executive Compensation Committee of the company’s Board of Directors (the “Board”).
Based on the company’s 2013 performance, 84,413 RSUs granted in 2013 were earned; assuming continued employment, these RSUs will vest at the end of fiscal 2015.
Based on the company’s 2012 performance, 95,047 RSUs granted in 2012 were earned; assuming continued employment, these RSUs will vest at the end of fiscal 2014.
Based on the company’s 2011 performance, 159,970 RSUs granted in 2011 were earned; these RSUs vested as of fiscal 2013 year end and were paid out shortly thereafter.
As a result of employee retirements, a total of 1,614 of the RSUs earned in 2012 and 2011 vested pursuant to the terms of the related award agreements and the underlying shares were paid out in the third quarter of 2013.
The changes to the company’s non-vested performance awards in 2013 are as follows:
## Table 2 ##
* Weighted-average As of 2013 year end there was approximately $12.9 million of unrecognized compensation cost related to non-vested performance awards that is expected to be recognized as a charge to earnings over a weighted-average period of 1.6 years.
Stock Appreciation Rights (“SARs”) The company also issues cash-settled and stock-settled SARs to certain key non-U.
S.  employees.
SARs have a contractual term of ten years and vest ratably on the first, second and third anniversaries of the date of grant.
SARs are granted with an exercise price equal to the market value of a share of Snap-on’s common stock on the date of grant.
Cash-settled SARs provide for the cash payment of the excess of the fair market value of Snap-on’s common stock price on the date of exercise over the grant price.
Cash-settled SARs have no effect on dilutive shares or shares outstanding as any appreciation of Snap-on’s common stock value over the grant price is paid in cash and not in common stock.
In 2013, the company began issuing stock-settled SARs that are accounted for as equity instruments and provide for the issuance of Snap-on common stock equal to the amount by which the company’s stock has appreciated over the exercise price.
Stock-settled SARs have an effect on dilutive shares and shares outstanding as any appreciation of Snap-on’s common stock value over the exercise price will be settled in shares of common stock.

<table><tr><td>(Dollars in millions, except as noted)</td><td>2011</td><td></td><td>2010</td><td></td></tr><tr><td>Loan production</td><td></td><td></td><td></td><td></td></tr><tr><td>CRES:</td><td></td><td></td><td></td><td></td></tr><tr><td>First mortgage</td><td>$139,273</td><td></td><td>$287,236</td><td></td></tr><tr><td>Home equity</td><td>3,694</td><td></td><td>7,626</td><td></td></tr><tr><td>Total Corporation<sup>-1</sup>:</td><td></td><td></td><td></td><td></td></tr><tr><td>First mortgage</td><td>151,756</td><td></td><td>298,038</td><td></td></tr><tr><td>Home equity</td><td>4,388</td><td></td><td>8,437</td><td></td></tr><tr><td>Year end</td><td></td><td></td><td></td><td></td></tr><tr><td>Mortgage servicing portfolio (in billions)<sup>(2, 3)</sup></td><td>$1,763</td><td></td><td>$2,057</td><td></td></tr><tr><td>Mortgage loans serviced for investors (in billions)<sup>(3)</sup></td><td>1,379</td><td></td><td>1,628</td><td></td></tr><tr><td>Mortgage servicing rights:</td><td></td><td></td><td></td><td></td></tr><tr><td>Balance</td><td>7,378</td><td></td><td>14,900</td><td></td></tr><tr><td>Capitalized mortgage servicing rights(% of loans serviced for investors)</td><td>54</td><td>bps</td><td>92</td><td>bps</td></tr></table>
<table><tr><td><i>(in millions)</i></td><td> Purchase Commitments</td><td> Operating Leases</td></tr><tr><td>2014</td><td>$1,872.5</td><td>$50.2</td></tr><tr><td>2015</td><td>740.3</td><td>35.5</td></tr><tr><td>2016</td><td>446.8</td><td>26.9</td></tr><tr><td>2017</td><td>144.0</td><td>21.5</td></tr><tr><td>2018</td><td>133.3</td><td>18.0</td></tr><tr><td>Subsequent years</td><td>2,073.3</td><td>39.6</td></tr><tr><td></td><td>$5,410.2</td><td>$191.7</td></tr></table>
<table><tr><td></td><td>Shares<i>(in thousands)</i></td><td>Fair ValuePrice perShare*</td></tr><tr><td>Non-vested performance awards at beginning of year</td><td>509</td><td>$59.36</td></tr><tr><td>Granted</td><td>180</td><td>77.33</td></tr><tr><td>Vested</td><td>-306</td><td>58.94</td></tr><tr><td>Cancellations</td><td>-2</td><td>69.23</td></tr><tr><td>Non-vested performance awards at end of year</td><td>381</td><td>68.13</td></tr></table>

Question: What is the growing rate of First mortgage of CRES in table 0 in the years with the least Home equity of CRES in table 0?
Answer: -0.51513