Table of Contents ADOBE SYSTEMS INCORPORATED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued) NOTE 17.
DEBT Our debt as of December 2, 2011 and December 3, 2010 consisted of the following (in thousands):
## Table 0 ##
Notes In February 2010, we issued $600.0 million of 3.25% senior notes due February 1, 2015 (the “2015 Notes”) and $900.0 million of 4.75% senior notes due February 1, 2020 (the “2020 Notes” and, together with the 2015 Notes, the “Notes”).
Our proceeds were approximately $1.5 billion and were net of an issuance discount of $6.6 million.
The Notes rank equally with our other unsecured and unsubordinated indebtedness.
In addition, we incurred issuance costs of approximately $10.7 million.
Both the discount and issuance costs are being amortized to interest expense over the respective terms of the Notes using the effective interest method.
The effective interest rate including the discount and issuance costs is 3.45% for the 2015 Notes and 4.92% for the 2020 Notes.
Interest is payable semi-annually, in arrears, on February 1 and August 1, commencing on August 1, 2010.
During fiscal 2011 interest payments totaled $62.3 million.
The proceeds from the Notes are available for general corporate purposes, including repayment of any balance outstanding on our credit facility.
Based on quoted market prices, the fair value of the Notes was approximately $1.6 billion as of December 2, 2011.
We may redeem the Notes at any time, subject to a make whole premium.
In addition, upon the occurrence of certain change of control triggering events, we may be required to repurchase the Notes, at a price equal to 101% of their principal amount, plus accrued and unpaid interest to the date of repurchase.
The Notes also include covenants that limit our ability to grant liens on assets and to enter into sale and leaseback transactions, subject to significant allowances.
As of December 2, 2011, we were in compliance with all of the covenants.
Credit Agreement In August 2007, we entered into an Amendment to our Credit Agreement dated February 2007 (the “Amendment”), which increased the total senior unsecured revolving facility from $500.0 million to $1.0 billion.
The Amendment also permits us to request one-year extensions effective on each anniversary of the closing date of the original agreement, subject to the majority consent of the lenders.
We also retain an option to request an additional $500.0 million in commitments, for a maximum aggregate facility of $1.5 billion.
In February 2008, we entered into a Second Amendment to the Credit Agreement dated February 26, 2008, which extended the maturity date of the facility by one year to February 16, 2013.
The facility would terminate at this date if no additional extensions have been requested and granted.
All other terms and conditions remain the same.
The facility contains a financial covenant requiring us not to exceed a certain maximum leverage ratio.
At our option, borrowings under the facility accrue interest based on either the London interbank offered rate (“LIBOR”) for one, two, three or six months, or longer periods with bank consent, plus a margin according to a pricing grid tied to this financial covenant, or a base rate.
The margin is set at rates between 0.20% and 0.475%.
Commitment fees are payable on the facility at rates between 0.05% and 0.15% per year based on the same pricing grid.
The facility is available to provide loans to us and certain of our subsidiaries for general corporate purposes.
On February 1, 2010, we paid the outstanding balance on our credit facility and the entire $1.0 billion credit line under this facility remains available for borrowing.
Capital Lease Obligation In June 2010, we entered into a sale-leaseback agreement to sell equipment totaling $32.2 million and leaseback the same equipment over a period of 43 months.
This transaction was classified as a capital lease obligation and recorded at fair value.
As of December 2, 2011, our capital lease obligations of $19.7 million includes $9.2 million of current debt.
The fair value of our derivative equity warrant assets recorded on our balance sheets represents our best estimate of the fair value of these instruments within the framework of existing accounting standards and guidance provided by the Securities and Exchange Commission on fair value accounting.
Changes in the above material assumptions will result in significantly different valuations.
For example, the following table demonstrates the effect of changes in the expected life and volatility assumptions: Valuation of Equity Warrant Assets Held(1) by Silicon Valley Bank Active at December 31, 2005
## Table 1 ##
(1) In addition to Silicon Valley Bank’s warrant assets at December 31, 2005, warrants assets at Partners for Growth were valued at $2.1 million, using 39.5% volatility and 3.9 years expected life.
The timing and value realized from the disposition of warrant related equity securities to third parties, depend upon factors beyond our control, including the performance of the underlying portfolio companies, investor demand for initial public offerings, fluctuations in the market prices of the underlying common stock of these companies, levels of mergers and acquisitions activity, and legal and contractual restrictions on our ability to sell the underlying securities.
In addition, our equity warrant assets could lose value or become worthless, which would impact our consolidated net income.
All of these factors are difficult to predict.
Due to the composition of our portfolio of equity warrant assets, it is likely that many of them will become impaired.
However, we are not in a position to know at the present time which specific equity warrant assets, are likely to be impaired or the extent or timing of individual impairments.
Therefore, we cannot predict future gains or losses with any degree of accuracy, and any gains or losses could vary materially from period to period.
We consider accounting policies related to derivative equity warrant assets to be critical because the valuation of these assets is complex and is subject to a certain degree of management judgment.
Management has the ability to select from several valuation methodologies and has latitude in the calculation of material assumptions in the current methodology.
The selection of an alternative valuation methodology or alternative approaches used to calculate material assumptions in the current methodology may cause our estimated values of these assets to differ significantly from the values recorded.
Additionally, the inherent uncertainty in the process of valuing these assets for which a ready market is unavailable may cause our estimated values of these assets to differ significantly from the values that would have been derived had a ready market for the assets existed, and those differences could be material.
Allowance for Loan and Lease Losses We consider our accounting policy relating to the estimation of the allowance for loan and lease losses to be critical as estimation of the allowance involves material estimates by our management and is particularly susceptible to significant changes in the near term.
Our loan and lease loss reserve methodology is applied to our funded and unfunded loan commitments.
The reserve associated with the funded debt is recorded as a contra asset while the reserve associated with the unfunded loan commitments is recorded as other liabilities.
Except as described herein, the methodology for the determination of an appropriate reserve for funded and unfunded loan commitments is the same.
The allowance for loan and lease losses and reserve for unfunded credit commitments is management’s estimate of credit losses inherent in the loan portfolio at a balance sheet date.
Table of Contents The following table provides a summary of gross loans by size and category.
The breakout of the categories is based on total client balances (individually or in the aggregate) as of December 31, 2018:
## Table 2 ##
At December 31, 2018, gross loans equal to or greater than $20 million to any single client (individually or in the aggregate) totaled $14.5 billion, or 50.8 percent of our portfolio.
These loans represented 361 clients, and of these loans, $27.5 million were on nonaccrual status as of December 31, 2018.
The following table provides a summary of gross loans by size and category.
The breakout of the categories is based on total client balances (individually or in the aggregate) as of December 31, 2017:
## Table 3 ##
At December 31, 2017, gross loans equal to or greater than $20 million to any single client (individually or in the aggregate) totaled $10.5 billion, or 45.3 percent of our portfolio.
These loans represented 277 clients, and of these loans, $52 million were on nonaccrual status as of December 31, 2017.
The credit profile of our loan porS olio clients varies based on the nature of the lending we do for different market segments.
Our three main market segments are (i) technology (software/internet and hardware) and life science/healthcare, (ii) private equity/venture capital, and (iii) SVB Private Bank.

<table><tr><td></td><td>2011</td><td>2010</td></tr><tr><td>Notes</td><td>$1,494,627</td><td>$1,493,969</td></tr><tr><td>Capital lease obligations</td><td>19,681</td><td>28,492</td></tr><tr><td>Total debt and capital lease obligations</td><td>1,514,308</td><td>1,522,461</td></tr><tr><td>Less: current portion</td><td>9,212</td><td>8,799</td></tr><tr><td>Debt and capital lease obligations</td><td>$1,505,096</td><td>$1,513,662</td></tr></table>
<table><tr><td> </td><td colspan="3"> Volatility Factor</td></tr><tr><td> </td><td> 10% Lower</td><td> Average – 47.4%</td><td> 10% Higher</td></tr><tr><td> </td><td colspan="3"> (dollars in millions)</td></tr><tr><td> Expected Life in Years</td><td></td><td></td><td></td></tr><tr><td>Average minus approximately 1.5 years</td><td>$14.1</td><td>$15.9</td><td>$17.7</td></tr><tr><td>Average – 2.4 years</td><td>$22.3</td><td>$25.7</td><td>$29.1</td></tr><tr><td>Average plus approximately 1.6 years</td><td>$27.9</td><td>$32.2</td><td>$36.4</td></tr></table>
<table><tr><td></td><td colspan="6">December 31, 2018</td></tr><tr><td>(Dollars in thousands)</td><td>Less thanFive Million</td><td>Five to TenMillion</td><td>Ten to TwentyMillion</td><td>Twenty to Thirty Million</td><td>Thirty Millionor More</td><td>Total</td></tr><tr><td>Commercial loans:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Software/internet</td><td>$1,515,096</td><td>$918,647</td><td>$1,520,634</td><td>$1,221,250</td><td>$1,034,351</td><td>$6,209,978</td></tr><tr><td>Hardware</td><td>292,022</td><td>152,061</td><td>196,763</td><td>386,288</td><td>218,666</td><td>1,245,800</td></tr><tr><td>Private equity/venture capital</td><td>836,894</td><td>1,012,605</td><td>2,120,918</td><td>2,135,279</td><td>8,012,436</td><td>14,118,132</td></tr><tr><td>Life science/healthcare</td><td>273,075</td><td>477,046</td><td>645,895</td><td>410,127</td><td>654,933</td><td>2,461,076</td></tr><tr><td>Premium wine</td><td>70,573</td><td>55,852</td><td>48,656</td><td>65,035</td><td>9,200</td><td>249,316</td></tr><tr><td>Other</td><td>246,011</td><td>18,921</td><td>10,911</td><td>70,904</td><td>—</td><td>346,747</td></tr><tr><td>Commercial loans</td><td>3,233,671</td><td>2,635,132</td><td>4,543,777</td><td>4,288,883</td><td>9,929,586</td><td>24,631,049</td></tr><tr><td>Real estate secured loans:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Premium wine</td><td>168,130</td><td>173,882</td><td>263,093</td><td>83,945</td><td>22,187</td><td>711,237</td></tr><tr><td>Consumer loans</td><td>2,258,479</td><td>239,400</td><td>111,766</td><td>—</td><td>—</td><td>2,609,645</td></tr><tr><td>Other</td><td>7,506</td><td>—</td><td>33,121</td><td>—</td><td>—</td><td>40,627</td></tr><tr><td>Real estate secured loans</td><td>2,434,115</td><td>413,282</td><td>407,980</td><td>83,945</td><td>22,187</td><td>3,361,509</td></tr><tr><td>Construction loans</td><td>7,076</td><td>15,064</td><td>75,894</td><td>—</td><td>—</td><td>98,034</td></tr><tr><td>Consumer loans</td><td>148,391</td><td>55,401</td><td>51,409</td><td>93,690</td><td>71,829</td><td>420,720</td></tr><tr><td>Total gross loans</td><td>$5,823,253</td><td>$3,118,879</td><td>$5,079,060</td><td>$4,466,518</td><td>$10,023,602</td><td>$28,511,312</td></tr></table>
<table><tr><td></td><td colspan="6">December 31, 2017</td></tr><tr><td>(Dollars in thousands)</td><td>Less thanFive Million</td><td>Five to TenMillion</td><td>Ten to TwentyMillion</td><td>Twenty to Thirty Million</td><td>Thirty Millionor More</td><td>Total</td></tr><tr><td>Commercial loans:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Software/internet</td><td>$1,558,717</td><td>$974,959</td><td>$1,545,194</td><td>$1,190,247</td><td>$963,608</td><td>$6,232,725</td></tr><tr><td>Hardware</td><td>258,586</td><td>138,254</td><td>253,978</td><td>217,425</td><td>332,657</td><td>1,200,900</td></tr><tr><td>Private equity/venture capital</td><td>697,427</td><td>807,596</td><td>1,617,121</td><td>1,142,818</td><td>5,696,159</td><td>9,961,121</td></tr><tr><td>Life science/healthcare</td><td>321,738</td><td>450,445</td><td>576,926</td><td>313,656</td><td>205,195</td><td>1,867,960</td></tr><tr><td>Premium wine</td><td>60,663</td><td>37,845</td><td>64,062</td><td>32,423</td><td>9,264</td><td>204,257</td></tr><tr><td>Other</td><td>149,825</td><td>23,096</td><td>103,989</td><td>25,599</td><td>76,922</td><td>379,431</td></tr><tr><td>Commercial loans</td><td>3,046,956</td><td>2,432,195</td><td>4,161,270</td><td>2,922,168</td><td>7,283,805</td><td>19,846,394</td></tr><tr><td>Real estate secured loans:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Premium wine</td><td>150,563</td><td>187,272</td><td>220,062</td><td>89,561</td><td>22,654</td><td>670,112</td></tr><tr><td>Consumer loans</td><td>1,989,973</td><td>224,825</td><td>83,059</td><td>—</td><td>—</td><td>2,297,857</td></tr><tr><td>Other</td><td>7,763</td><td>—</td><td>14,134</td><td>20,333</td><td>—</td><td>42,230</td></tr><tr><td>Real estate secured loans</td><td>2,148,299</td><td>412,097</td><td>317,255</td><td>109,894</td><td>22,654</td><td>3,010,199</td></tr><tr><td>Construction loans</td><td>12,178</td><td>34,029</td><td>—</td><td>22,901</td><td>—</td><td>69,108</td></tr><tr><td>Consumer loans</td><td>146,395</td><td>49,921</td><td>17,120</td><td>78,742</td><td>36,274</td><td>328,452</td></tr><tr><td>Total gross loans</td><td>$5,353,828</td><td>$2,928,242</td><td>$4,495,645</td><td>$3,133,705</td><td>$7,342,733</td><td>$23,254,153</td></tr></table>

Question: What is the ratio of Other to the total in 2018?
Answer: 0.00614