Distribution expenses decreased $46 million, or 11%, to $371 million for the year ended December 31, 2009, primarily due to lower average assets.
General and administrative expense increased $76 million, or 9%, to $901 million for the year ended December 31, 2009, primarily due to integration costs and ongoing expenses from our acquisition of Seligman in the fourth quarter of 2008 and increases in hedge fund performance compensation, our performance compensation pool and legal expenses, partially offset by expense controls and a positive impact of foreign currency translation.
The positive impact of foreign currency translation on general and administrative expense partially offset the negative impact of foreign currency translation on management and financial advice fees.
Annuities Our Annuities segment provides variable and fixed annuity products of RiverSource Life companies to retail clients primarily distributed through our affiliated financial advisors and to the retail clients of unaffiliated advisors through third-party distribution.
Revenues for our variable annuity products are primarily earned as fees based on underlying account balances, which are impacted by both market movements and net asset flows.
Revenues for our fixed annuity products are primarily earned as net investment income on assets supporting fixed account balances, with profitability significantly impacted by the spread between net investment income earned and interest credited on the fixed account balances.
We also earn net investment income on owned assets supporting reserves for immediate annuities and for certain guaranteed benefits offered with variable annuities and on capital supporting the business.
Intersegment revenues for this segment reflect fees paid by the Asset Management segment for marketing support and other services provided in connection with the availability of RiverSource VST Funds under the variable annuity contracts.
Intersegment expenses for this segment include distribution expenses for services provided by the Advice & Wealth Management segment, as well as expenses for investment management services provided by the Asset Management segment.
In 2009, RiverSource variable annuities had net inflows of $1.8 billion, and variable annuity contract accumulation values increased $11.8 billion.
These changes in variable annuities affected both RiverSource managed owned assets and owned assets.
Our fixed annuities had total net inflows of $1.9 billion in 2009 compared to net outflows of $0.7 billion in the prior year, which impacted our RiverSource managed owned assets.
The following table presents the results of operations of our Annuities segment:
## Table 0 ##
useful life of the asset, whichever is shorter.
Amortization and depreciation expense was $55.0 million in 2006, $52.7 million in 2005 and $53.0 million in 2004.
The cost of repairs and maintenance is charged to operations as incurred and was $16.4 million, $17.4 million and $16.1 million in fiscal 2006, 2005 and 2004, respectively.
The Company evaluates the recoverability of its property, equipment and intangible assets whenever indications of impairment exist in accordance with Statement of Financial Accounting Standards No.144, Accounting for the Impairment or Disposal of Long-Lived Assets (SFAS 144), and records an impairment charge against income as appropriate.
A detail of property and equipment is as follows:
## Table 1 ##
(1) During the fourth quarter of fiscal 2006, the Company entered into a sale agreement with a third party to sell a parcel of land in San Jose, California.
The land, with a book value of $23.4 million as of October 31, 2006, has been reclassified from property, plant and equipment and reported as an asset held-for-sale within prepaid expense and other assets on the Company’s Consolidated Balance Sheet.
Software Development Costs.
Capitalization of software development costs begins upon the establishment of technological feasibility, which is generally the completion of a working prototype and ends upon general release of the product.
Capitalized software development costs were approximately $3.5 million, $3.0 million and $2.7 million in fiscal 2006, 2005 and 2004, respectively.
Amortization of software development costs is computed based on the straight-line method over the software’s estimated economic life of approximately two years.
The Company recorded software amortization costs of $3.0 million, $2.7 million and $2.3 million in fiscal 2006, 2005 and 2004, respectively.
Goodwill and Intangible Assets.
Goodwill represents the excess of the aggregate purchase price over the fair value of the tangible and identifiable intangible assets acquired by the Company.
The goodwill recorded as a result of the business combinations in the years presented is not deductible for tax purposes.
Goodwill is not amortized, but rather is tested for impairment annually in the Company’s fiscal third quarter.
In accordance with Statement of Financial Accounting Standards No.142, Goodwill and Other Intangible Assets (SFAS 142), the carrying amount of goodwill is tested for impairment annually, or more frequently if facts and circumstances warrant a review.
With the adoption of SFAS 142, the Company determined that there was a single reporting unit for the purpose of goodwill impairment tests under SFAS 142.
For purposes of assessing the impairment of goodwill, the Company estimates the value of the reporting unit using its market capitalization as the best evidence of fair value.
This fair value is then compared to the carrying value of the reporting unit.
In addition, the carrying value of goodwill maybe affected by the settlement of tax contingencies or the recognition of tax benefits from acquired companies in periods subsequent to the acquisition date.
During the fiscal years ended October 31, 2006, 2005 and 2004, there were no impairments to goodwill.
As of October 31, 2006, the carrying amount of our goodwill was $735.6 million.
Intangible assets consist of purchased technology, contract rights intangibles, customer installed base/relationships, trademarks and tradenames, covenants not to compete, customer backlog, capitalized software and other intangibles.
Intangible assets are amortized on a straight-line basis over their estimated
we have adequate access to capital markets to meet any foreseeable cash requirements, and we have sufficient financial capacity to satisfy our current liabilities.
## Table 2 ##
Operating Activities Higher net income in 2014 increased cash provided by operating activities compared to 2013, despite higher income tax payments.2014 income tax payments were higher than 2013 primarily due to higher income, but also because we paid taxes previously deferred by bonus depreciation (discussed below).
Higher net income in 2013 increased cash provided by operating activities compared to 2012.
In addition, we made payments in 2012 for past wages as a result of national labor negotiations, which reduced cash provided by operating activities in 2012.
Lower tax benefits from bonus depreciation (as discussed below) partially offset the increases.
Federal tax law provided for 100% bonus depreciation for qualified investments made during 2011 and 50% bonus depreciation for qualified investments made during 2012-2013.
As a result, the Company deferred a substantial portion of its 2011-2013 income tax expense, contributing to the positive operating cash flow in those years.
Congress extended 50% bonus depreciation for 2014, but this extension occurred in December and did not have a significant benefit on our income tax payments during 2014.
Investing Activities Higher capital investments, including the early buyout of the long-term operating lease of our headquarters building for approximately $261 million, drove the increase in cash used in investing activities compared to 2013.
Significant investments also were made for new locomotives, freight cars and containers, and capacity and commercial facility projects.
Capital investments in 2014 also included $99 million for the early buyout of locomotives and freight cars under long-term operating leases, which we exercised due to favorable economic terms and market conditions.
Lower capital investments in locomotives and freight cars in 2013 drove the decrease in cash used in investing activities compared to 2012.
Included in capital investments in 2012 was $75 million for the early buyout of 165 locomotives under long-term operating and capital leases during the first quarter of 2012, which we exercised due to favorable economic terms and market conditions.

<table><tr><td> </td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td> </td><td> 2009</td><td>2008</td><td colspan="2">Change</td></tr><tr><td> </td><td colspan="4">(in millions, except percentages)</td></tr><tr><td> Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$438</td><td>$478</td><td>$-40</td><td>-8%</td></tr><tr><td>Distribution fees</td><td>247</td><td>275</td><td>-28</td><td>-10</td></tr><tr><td>Net investment income</td><td>1,323</td><td>652</td><td>671</td><td>NM</td></tr><tr><td>Premiums</td><td>104</td><td>85</td><td>19</td><td>22</td></tr><tr><td>Other revenues</td><td>153</td><td>128</td><td>25</td><td>20</td></tr><tr><td>Total revenues</td><td>2,265</td><td>1,618</td><td>647</td><td>40</td></tr><tr><td>Banking and deposit interest expense</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total net revenues</td><td>2,265</td><td>1,618</td><td>647</td><td>40</td></tr><tr><td> Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>211</td><td>207</td><td>4</td><td>2</td></tr><tr><td>Interest credited to fixed accounts</td><td>759</td><td>646</td><td>113</td><td>17</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>418</td><td>269</td><td>149</td><td>55</td></tr><tr><td>Amortization of deferred acquisition costs</td><td>37</td><td>576</td><td>-539</td><td>-94</td></tr><tr><td>General and administrative expense</td><td>192</td><td>207</td><td>-15</td><td>-7</td></tr><tr><td>Total expenses</td><td>1,617</td><td>1,905</td><td>-288</td><td>-15</td></tr><tr><td>Pretax income (loss)</td><td>$648</td><td>$-287</td><td>$935</td><td>NM</td></tr></table>
<table><tr><td> </td><td colspan="2">October 31,</td></tr><tr><td> </td><td>2006</td><td>2005</td></tr><tr><td> </td><td colspan="2">(in thousands)</td></tr><tr><td>Computer and other equipment</td><td>$376,999</td><td>$351,253</td></tr><tr><td>Buildings</td><td>42,695</td><td>21,821</td></tr><tr><td>Furniture and fixtures</td><td>27,535</td><td>29,936</td></tr><tr><td>Land</td><td>20,414</td><td>42,754</td></tr><tr><td>Leasehold improvements</td><td>55,321</td><td>71,217</td></tr><tr><td></td><td>522,964</td><td>516,981</td></tr><tr><td>Less accumulated depreciation and amortization</td><td>-382,304</td><td>-346,786</td></tr><tr><td>Total property and equipment, net-1</td><td>$140,660</td><td>$170,195</td></tr></table>
<table><tr><td><i>Cash Flows</i><i>Millions</i></td><td><i>2014</i></td><td><i>2013</i></td><td><i>2012</i></td></tr><tr><td>Cash provided by operating activities</td><td>$7,385</td><td>$6,823</td><td>$6,161</td></tr><tr><td>Cash used in investing activities</td><td>-4,249</td><td>-3,405</td><td>-3,633</td></tr><tr><td>Cash used in financing activities</td><td>-2,982</td><td>-3,049</td><td>-2,682</td></tr><tr><td>Net change in cash and cashequivalents</td><td>$154</td><td>$369</td><td>$-154</td></tr></table>

Question: What's the current growth rate of Interest credited to fixed accounts ?
Answer: 0.17492