## Table 0 ##
All facilities are leased at December 31, 2014, including 165,000 square feet of our office in Alpharetta, Georgia.
We executed a sale-leaseback transaction on this office during 2014.
See Note 9—Property and Equipment, Net in Item 8.
Financial Statements and Supplementary Data for more information.
All of our facilities are used by either our trading and investing or balance sheet management segments, in addition to the corporate/other category.
All other leased facilities with space of less than 25,000 square feet are not listed by location.
In addition to the significant facilities above, we also lease all 30 E*TRADE branches, ranging in space from approximately 2,500 to 8,000 square feet.
We believe our facilities space is adequate to meet our needs in 2015.
ITEM 3.
LEGAL PROCEEDINGS On October 27, 2000, Ajaxo, Inc.  ("Ajaxo") filed a complaint in the Superior Court for the State of California, County of Santa Clara.
Ajaxo sought damages and certain non-monetary relief for the Company’s alleged breach of a non-disclosure agreement with Ajaxo pertaining to certain wireless technology that Ajaxo offered the Company as well as damages and other relief against the Company for their alleged misappropriation of Ajaxo’s trade secrets.
Following a jury trial, a judgment was entered in 2003 in favor of Ajaxo against the Company for $1 million for breach of the Ajaxo non-disclosure agreement.
Although the jury found in favor of Ajaxo on its claim against the Company for misappropriation of trade secrets, the trial court subsequently denied Ajaxo’s requests for additional damages and relief.
On December 21, 2005, the California Court of Appeal affirmed the above-described award against the Company for breach of the nondisclosure agreement but remanded the case to the trial court for the limited purpose of determining what, if any, additional damages Ajaxo may be entitled to as a result of the jury’s previous finding in favor of Ajaxo on its claim against the Company for misappropriation of trade secrets.
Although the Company paid Ajaxo the full amount due on the above-described judgment, the case was remanded back to the trial court, and on May 30, 2008, a jury returned a verdict in favor of the Company denying all claims raised and demands for damages against the Company.
Following the trial court’s entry of judgment in favor of the Company on September 5, 2008, Ajaxo filed posttrial motions for vacating this entry of judgment and requesting a new trial.
The trial court denied these motions.
On December 2, 2008, Ajaxo filed a notice of appeal with the Court of Appeal of the State of California for the Sixth District.
On August 30, 2010, the Court of Appeal affirmed the trial court’s verdict in part and reversed the verdict in part, remanding the case.
The Company petitioned the Supreme Court of California for review of the Court of Appeal decision.
On December 16, 2010, the California Supreme Court denied the Company’s petition for review and remanded for further proceedings to the trial court.
The testimonial phase of the third trial in this matter concluded on June 12, 2012.
By order dated May 28, 2014, the Court determined to conduct a second phase of this bench trial to allow Ajaxo to attempt to prove entitlement to additional royalties.
Hearings in phase two of the trial concluded January 8, 2015, and final written closing statements will be submitted March 16, 2015.
The Company will continue to defend itself vigorously.
On May 16, 2011, Droplets Inc. , the holder of two patents pertaining to user interface servers, filed a complaint in the U. S.  District Court for the Eastern District of Texas against E*TRADE Financial Corporation, E*TRADE Securities LLC, E*TRADE Bank and multiple other unaffiliated financial services firms.
Plaintiff contends that the defendants engaged in patent infringement under federal law.
Plaintiff seeks unspecified damages and an injunction against future infringements, plus royalties, costs, interest and attorneys’ fees.
On September 30, 2011, the Company and several co-defendants filed a motion to transfer the case to the Southern District of New York.
Venue discovery occurred throughout December 2011.
On January 1, 2012, a new judge was assigned to the case.
On March 28, 2012, a change of venue was granted and the case was transferred to the United States District Court for the Southern District of New York.
The Company filed its answer and counterclaim on June 13, 2012 and plaintiff moved to dismiss the counterclaim.
The Company filed a motion for summary judgment.
Plaintiffs sought to change venue back to the Eastern District of Texas on the theory that this case is one of several matters that should be consolidated in a single multi-district litigation.
On December 12, 2012, the Multidistrict Litigation Panel denied the transfer of this action to Texas.
By opinion dated April 4, 2013, the Court denied defendants’ motion for summary judgment and plaintiff’s motion to dismiss the counterclaims.
The Court issued its order on claim construction on October 22, 2013, and by order dated January 28, 2014, the Court adopted the defendants' proposed claims construction.
On March 25, 2014, the Court granted plaintiff leave to amend its complaint to add a newly-issued patent, but stayed all litigation pertaining to that patent until a covered business method review could be heard by the Patent and Trademark Appeals Board.
The defendants' petitions for
The following performance graph shows the cumulative total return to a holder of the Company’s common stock, assuming dividend reinvestment, compared with the cumulative total return, assuming dividend reinvestment, of the Standard & Poor ("S&P") 500 Index and the Dow Jones US Financials Index during the period from December 31, 2009 through December 31, 2014.
## Table 1 ##
Table of Contents
## Table 2 ##
* Percentage not meaningful.
(1)  E*TRADE Financial Tier 1 leverage ratio is Tier 1 capital divided by average total assets for leverage capital purposes for the parent company.
E*TRADE Financial Tier 1 common ratio is Tier 1 capital less elements of Tier 1 capital that are not in the form of common equity, such as trust preferred securities, divided by total risk-weighted assets for the parent company.
The Tier 1 leverage and Tier 1 common ratios are non-GAAP measures as the parent company was not yet held to such regulatory capital requirements for the period presented and are indications of E*TRADE Financial’s capital adequacy.
See Item 7.
Management’s Discussion and Analysis of Financial Condition and Results of Operations—Liquidity and Capital Resources for a reconciliation of these non-GAAP measures to the comparable GAAP measures.
(2)  The Company transitioned from reporting under the OTS reporting requirements to reporting under the OCC reporting requirements in the first quarter of 2012.
The Tier 1 leverage ratio is the OCC Tier 1 leverage ratio at December 31, 2014, 2013 and 2012 and the OTS Tier 1 capital ratio at December 31, 2011 and 2010.
The OTS Tier 1 capital ratio and OCC Tier 1 leverage ratio are both calculated in the same manner using adjusted total assets.
The selected consolidated financial data should be read in conjunction with Item 7.
Management’s Discussion and Analysis of Financial Condition and Results of Operations and Item 8.
Financial Statements and Supplementary Data.
ITEM 7.
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS The following discussion should be read in conjunction with the consolidated financial statements and the related notes that appear elsewhere in this document.
WESTROCK COMPANY NOTES TO CONSOLIDATED FINANCIAL STATEMENTS — (Continued) 95 The following table lists our participation in our multiemployer and other plans that are individually significant for the years ended September 30 (in millions):
## Table 3 ##
(1) Contributions represent the amounts contributed to the plan during the fiscal year.
(2) In fiscal 2019 and 2018, our contributions did not exceed 5% of total plan contributions due to our withdrawal from PIUMPF.
In fiscal 2017, we did exceed 5% of total plan contributions.
(3) One additional MEPP in which we participate have been certified as critical and declining.
Defined Contribution Plans We have 401(k) and other defined contribution plans that cover certain of our U. S. , Canadian and other nonU.
S.  salaried union and nonunion hourly employees, generally subject to an initial waiting period.
The 401(k) and other defined contribution plans permit participants to make contributions by salary reduction pursuant to Section 401(k) of the Internal Revenue Code, or the taxing authority in the jurisdiction in which they operate.
Due primarily to acquisitions, CBAs and other non-U.
S.  defined contribution programs, we have plans with varied terms.
At September 30, 2019, our contributions may be up to 7.5% for U. S.  salaried and non-union hourly employees, consisting of a match of up to 5% and an automatic employer contribution of 2.5%.
Certain other employees who receive accruals under a defined benefit pension plan, certain employees covered by CBAs and non-U.
S.  defined contribution programs receive generally up to a 3.0% to 4.0% contribution to their 401(k) plan or defined contribution plan.
During fiscal 2019, 2018 and 2017, we recorded expense of $150.9 million, $113.7 million and $104.1 million, respectively, related to matching contributions to the 401(k) plans and other defined contribution plans, including the automatic employer contribution.
Supplemental Retirement Plans We have Supplemental Plans that are nonqualified deferred compensation plans.
We intend to provide participants with an opportunity to supplement their retirement income through deferral of current compensation.
Amounts deferred and payable under the Supplemental Plans are our unsecured obligations and rank equally with our other unsecured and unsubordinated indebtedness outstanding.
Participants’ accounts are credited with investment gains and losses under the Supplemental Plans in accordance with the participant’s investment election or elections (or default election or elections) as in effect from time to time.
At September 30, 2019, the Supplemental Plans had assets totaling $173.0 million that are recorded at market value, and liabilities of $181.9 million.
The investment alternatives available under the Supplemental Plans are generally similar to investment alternatives available under 401(k) plans.
The amount of expense we recorded for the current fiscal year and the preceding two fiscal years was not significant.
Note 6.
Income Taxes The components of income before income taxes are as follows (in millions):

<table><tr><td>Location</td><td>Approximate Square Footage</td></tr><tr><td>Alpharetta, Georgia</td><td>260,000</td></tr><tr><td>Jersey City, New Jersey</td><td>109,000</td></tr><tr><td>Arlington, Virginia</td><td>102,000</td></tr><tr><td>Sandy, Utah</td><td>66,000</td></tr><tr><td>Menlo Park, California</td><td>63,000</td></tr><tr><td>New York, New York</td><td>39,000</td></tr></table>
<table><tr><td></td><td>12/09</td><td>12/10</td><td>12/11</td><td>12/12</td><td>12/13</td><td>12/14</td></tr><tr><td>E*TRADE Financial Corporation</td><td>100.00</td><td>90.91</td><td>45.23</td><td>50.85</td><td>111.59</td><td>137.81</td></tr><tr><td>S&P 500 Index</td><td>100.00</td><td>115.06</td><td>117.49</td><td>136.30</td><td>180.44</td><td>205.14</td></tr><tr><td>Dow Jones US Financials Index</td><td>100.00</td><td>112.72</td><td>98.24</td><td>124.62</td><td>167.26</td><td>191.67</td></tr></table>
<table><tr><td></td><td colspan="5">As of or For the Year Ended December 31,</td><td rowspan="2">Variance 2014 vs. 2013</td></tr><tr><td></td><td>2014</td><td>2013</td><td>2012</td><td>2011</td><td>2010</td></tr><tr><td>Customer Activity Metrics:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Daily average revenue trades ("DARTs")</td><td>168,474</td><td>150,743</td><td>138,112</td><td>157,475</td><td>150,532</td><td>12%</td></tr><tr><td>Average commission per trade</td><td>$10.81</td><td>$11.13</td><td>$11.01</td><td>$11.01</td><td>$11.21</td><td>-3%</td></tr><tr><td>Margin receivables (dollars in billions)</td><td>$7.7</td><td>$6.4</td><td>$5.8</td><td>$4.8</td><td>$5.1</td><td>20%</td></tr><tr><td>End of period brokerage accounts</td><td>3,143,923</td><td>2,998,059</td><td>2,903,191</td><td>2,783,012</td><td>2,684,311</td><td>5%</td></tr><tr><td>Net new brokerage accounts</td><td>145,864</td><td>94,868</td><td>120,179</td><td>98,701</td><td>54,232</td><td>54%</td></tr><tr><td>Brokerage account attrition rate</td><td>8.7%</td><td>8.8%</td><td>9.0%</td><td>10.3%</td><td>12.2%</td><td>*</td></tr><tr><td>Customer assets (dollars in billions)</td><td>$290.3</td><td>$260.8</td><td>$201.2</td><td>$172.4</td><td>$176.2</td><td>11%</td></tr><tr><td>Net new brokerage assets (dollars in billions)</td><td>$10.9</td><td>$10.4</td><td>$10.4</td><td>$9.7</td><td>$8.1</td><td>5%</td></tr><tr><td>Brokerage related cash (dollars in billions)</td><td>$41.1</td><td>$39.7</td><td>$33.9</td><td>$27.7</td><td>$24.5</td><td>4%</td></tr><tr><td>Company Metrics:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Corporate cash (dollars in millions)</td><td>$233</td><td>$415</td><td>$408</td><td>$484</td><td>$471</td><td>-44%</td></tr><tr><td>E*TRADE Financial Tier 1 leverage ratio<sup>-1</sup></td><td>8.1%</td><td>6.7%</td><td>5.5%</td><td>5.7%</td><td>3.6%</td><td>1.4%</td></tr><tr><td>E*TRADE Financial Tier 1 common ratio<sup>-1</sup></td><td>17.1%</td><td>13.8%</td><td>10.3%</td><td>9.4%</td><td>4.8%</td><td>3.3%</td></tr><tr><td>E*TRADE Bank Tier 1 leverage ratio<sup>-2</sup></td><td>10.6%</td><td>9.5%</td><td>8.7%</td><td>7.8%</td><td>7.3%</td><td>1.1%</td></tr><tr><td>Special mention loan delinquencies (dollars in millions)</td><td>$155</td><td>$272</td><td>$342</td><td>$467</td><td>$589</td><td>-43%</td></tr><tr><td>Allowance for loan losses (dollars in millions)</td><td>$404</td><td>$453</td><td>$481</td><td>$823</td><td>$1,031</td><td>-11%</td></tr><tr><td>Enterprise net interest spread</td><td>2.55%</td><td>2.33%</td><td>2.39%</td><td>2.79%</td><td>2.91%</td><td>0.22%</td></tr><tr><td>Enterprise interest-earning assets (average dollars in billions)</td><td>$41.4</td><td>$40.9</td><td>$44.3</td><td>$42.7</td><td>$41.1</td><td>1%</td></tr><tr><td>Total employees (period end)</td><td>3,221</td><td>3,009</td><td>2,988</td><td>3,240</td><td>2,962</td><td>7%</td></tr></table>
<table><tr><td>Pension Fund</td><td>EIN /PensionPlan Number</td><td colspan="2">Pension ActZone Status</td><td>FIP / RPStatusPending /Implemented</td><td colspan="3">Contributions<sup>-1</sup></td><td>Surchargeimposed?</td><td>ExpirationCBA</td></tr><tr><td></td><td></td><td>2019</td><td>2018</td><td></td><td>2019</td><td>2018</td><td>2017</td><td></td><td></td></tr><tr><td>U.S. Multiemployer plans:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Pace Industry Union-ManagementPension Fund<sup>-2</sup></td><td>11-6166763 /001</td><td>Red</td><td>Red</td><td>Implemented</td><td>$—</td><td>$0.9</td><td>$3.5</td><td>Yes</td><td>9/30/20 to6/25/23</td></tr><tr><td>Other Funds<sup>-3</sup></td><td></td><td></td><td></td><td></td><td>1.4</td><td>0.5</td><td>1.6</td><td></td><td></td></tr><tr><td>Total Contributions:</td><td></td><td></td><td></td><td></td><td>$1.4</td><td>$1.4</td><td>$5.1</td><td></td><td></td></tr></table>

Question: what was the ratio of the s&p index to the e*trade financial corporation cumulative total return to a holder of the company 2019s common stock compared as of 2014
Answer: 1.48857