23.
Commitments, Guarantees and Contingencies Commitments The Company is committed to pay aggregate minimum rentals under noncancelable operating leases for office facilities and equipment in future years as follows:
## Table 0 ##
(1) Minimum payments have not been reduced by minimum sublease rentals due in the future under noncancelable subleases.
For the years ended December 31, 2013, 2012 and 2011, operating lease expense was $85 million, $84 million and $91 million, respectively.
The following table presents the Company’s funding commitments as of December 31:
## Table 1 ##
Guarantees The Company’s life and annuity products all have minimum interest rate guarantees in their fixed accounts.
As of December 31, 2013, these guarantees range up to 5%.
The Company is required by law to be a member of the guaranty fund association in every state where it is licensed to do business.
In the event of insolvency of one or more unaffiliated insurance companies, the Company could be adversely affected by the requirement to pay assessments to the guaranty fund associations.
Uncertainty and volatility in the U. S.  economy and financial markets in recent years have weakened the financial condition of numerous insurers, including insurers currently in receiverships, increasing the risk of triggering guaranty fund assessments.
The Company projects its cost of future guaranty fund assessments based on estimates of insurance company insolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations (‘‘NOLHGA’’) and the amount of its premiums written relative to the industry-wide premium in each state.
The Company accrues the estimated cost of future guaranty fund assessments when it is considered probable that an assessment will be imposed, the event obligating the Company to pay the assessment has occurred and the amount of the assessment can be reasonably estimated.
Executive Life Insurance Company of New York (‘‘ELNY’’) was placed into rehabilitation by a New York state court in 1991.
On April 16, 2012, the court issued an order converting the rehabilitation into a liquidation proceeding under a plan submitted by the New York insurance regulator with support from NOLHGA and the industry.
Closing under the liquidation plan took place in August 2013.
During the second quarter of 2012, the Company established a liability for estimated guaranty fund assessments and a related premium tax asset, primarily associated with ELNY.
At December 31, 2013 and 2012, the estimated liability was $14 million and $26 million, respectively, and the related premium tax asset was $11 million and $19 million, respectively.
The Company has recently paid assessments related to ELNY from some of the state guaranty fund associations, however the expected period over which all of the assessments will be made and the related tax credits recovered is not known.
Contingencies The Company and its subsidiaries are involved in the normal course of business in legal, regulatory and arbitration proceedings, including class actions, concerning matters arising in connection with the conduct of its activities as a diversified financial services firm.
These include proceedings specific to the Company as well as proceedings generally applicable to business practices in the industries in which it operates.
The Company can also be subject to litigation arising
ÿþimpact pretax income.
 The net income (loss) of the CIEs is reflected in net income (loss) attributable to noncontrolling  interests.
 The results of operations of the CIEs are reflected in the Corporate & Other segment.
 On a consolidated basis,  the management fees we earn for the services we provide to the CIEs and the related general and administrative expenses  are eliminated and the changes in the assets and liabilities related to the CIEs, primarily debt and underlying syndicated  loans, are reflected in net investment income.
 We continue to include the fees in the management and financial advice  fees line within our Asset Management segment.
  While our consolidated financial statements are prepared in accordance with U.
S.
 generally accepted accounting principles  (  GAAP  ), management believes that operating measures, which exclude net realized gains or losses; the market impact  on variable annuity guaranteed benefits, net of hedges and the related DSIC and DAC amortization; the market impact on  indexed universal life benefits, net of hedges and the related DAC amortization, unearned revenue amortization and the  reinsurance accrual; integration and restructuring charges; income (loss) from discontinued operations; and the impact of  consolidating CIEs, best reflect the underlying performance of our core operations and facilitate a more meaningful trend  analysis.
 While the consolidation of the CIEs impacts our balance sheet and income statement, our exposure to these  entities is unchanged and there is no impact to the underlying business results.
 Management uses certain of these  non-GAAP measures to evaluate our financial performance on a basis comparable to that used by some securities analysts  and investors.
 Also, certain of these non-GAAP measures are taken into consideration, to varying degrees, for purposes of  business planning and analysis and for certain compensation-related matters.
 Throughout our Management s Discussion  and Analysis, these non-GAAP measures are referred to as operating measures.
  It is management s priority to increase shareholder value over a multi-year horizon by achieving our on-average, over-time  financial targets.
  Our financial targets are:  "  Operating total net revenue growth of 6% to 8%,  "  Operating earnings per diluted share growth of 12% to 15%, and  "  Operating return on equity excluding accumulated other comprehensive income of 15% to 18%.
  The following tables reconcile our GAAP measures to operating measures:  @T@  Per Diluted Share  @T@  (1) Calculated using the statutory tax rate of 35%.

## Table 2 ##
## Table 3 ##
AMERICAN TOWER CORPORATION AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) Customer Leases—The Company’s lease agreements with its customers vary depending upon the industry.
Television and radio broadcasters prefer long-term leases, while wireless communications providers favor leases in the range of five to ten years.
Most leases contain renewal options.
Escalation clauses present in operating leases, excluding those tied to CPI, are straight-lined over the term of the lease.
Future minimum rental receipts expected from customers under noncancelable operating lease agreements in effect at December 31, 2002 are as follows (in thousands):

<table><tr><td></td><td>(in millions)</td></tr><tr><td>2014</td><td>$84</td></tr><tr><td>2015</td><td>77</td></tr><tr><td>2016</td><td>64</td></tr><tr><td>2017</td><td>61</td></tr><tr><td>2018</td><td>51</td></tr><tr><td>Thereafter</td><td>88</td></tr><tr><td>Total<sup>-1</sup></td><td>$425</td></tr></table>
<table><tr><td></td><td>2013</td><td>2012</td></tr><tr><td></td><td colspan="2">(in millions)</td></tr><tr><td>Commercial mortgage loan commitments</td><td>$71</td><td>$76</td></tr><tr><td>Consumer mortgage loan commitments</td><td>542</td><td>627</td></tr><tr><td>Consumer lines of credit</td><td>4</td><td>5</td></tr><tr><td>Affordable housing partnerships</td><td>137</td><td>144</td></tr><tr><td>Total funding commitments</td><td>$754</td><td>$852</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td></tr><tr><td></td><td>2013</td><td>2012</td></tr><tr><td></td><td colspan="2">(in millions)</td></tr><tr><td>Total net revenues</td><td>$11,199</td><td>$10,217</td></tr><tr><td>Less: Revenue attributable to CIEs</td><td>345</td><td>71</td></tr><tr><td>Less: Net realized gains</td><td>7</td><td>7</td></tr><tr><td>Less: Market impact on indexed universal life benefits, net</td><td>-10</td><td>—</td></tr><tr><td>Less: Integration/restructuring charges</td><td>—</td><td>-4</td></tr><tr><td>Operating total net revenues</td><td>$10,857</td><td>$10,143</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td colspan="2">Per Diluted Share Years Ended December 31,</td></tr><tr><td></td><td>2013</td><td>2012</td><td>2013</td><td>2012</td></tr><tr><td></td><td colspan="4">(in millions, except per share amounts)</td></tr><tr><td>Net income</td><td>$1,475</td><td>$901</td><td></td><td></td></tr><tr><td>Less: Net income (loss) attributable to noncontrolling interests</td><td>141</td><td>-128</td><td></td><td></td></tr><tr><td>Net income attributable to Ameriprise Financial</td><td>1,334</td><td>1,029</td><td>$6.44</td><td>$4.62</td></tr><tr><td>Less: Loss from discontinued operations, net of tax</td><td>-3</td><td>-2</td><td>-0.02</td><td>-0.01</td></tr><tr><td>Net income from continuing operations attributable to Ameriprise Financial</td><td>1,337</td><td>1,031</td><td>6.46</td><td>4.63</td></tr><tr><td>Add: Integration/restructuring charges, net of tax<sup>-1</sup></td><td>9</td><td>46</td><td>0.04</td><td>0.21</td></tr><tr><td>Add: Market impact on variable annuity guaranteed benefits, net of tax<sup>-1</sup></td><td>111</td><td>173</td><td>0.53</td><td>0.77</td></tr><tr><td>Add: Market impact on indexed universal life benefits, net of tax<sup>-1</sup></td><td>8</td><td>—</td><td>0.04</td><td>—</td></tr><tr><td>Less: Net realized gains, net of tax<sup>-1</sup></td><td>5</td><td>5</td><td>0.02</td><td>0.02</td></tr><tr><td>Operating earnings</td><td>$1,460</td><td>$1,245</td><td>$7.05</td><td>$5.59</td></tr><tr><td>Weighted average common shares outstanding:</td><td></td><td></td><td></td><td></td></tr><tr><td>Basic</td><td>203.2</td><td>218.7</td><td></td><td></td></tr><tr><td>Diluted</td><td>207.1</td><td>222.8</td><td></td><td></td></tr></table>

Question: In the year with the most Total net revenues in table 2, what is the growth rate of Operating total net revenues in table 2?
Answer: 0.07039