Investment tax credits have been deferred by the regulated utility subsidiaries and are being amortized to income over the average estimated service lives of the related assets.
The Company recognizes accrued interest and penalties related to tax positions as a component of income tax expense and accounts for sales tax collected from customers and remitted to taxing authorities on a net basis.
See Note 14—Income Taxes for additional information.
Allowance for Funds Used During Construction AFUDC is a non-cash credit to income with a corresponding charge to utility plant that represents the cost of borrowed funds or a return on equity funds devoted to plant under construction.
The regulated utility subsidiaries record AFUDC to the extent permitted by the PUCs.
The portion of AFUDC attributable to borrowed funds is shown as a reduction of Interest, net on the Consolidated Statements of Operations.
Any portion of AFUDC attributable to equity funds would be included in Other, net on the Consolidated Statements of Operations.
AFUDC is provided in the following table for the years ended December 31:
## Table 0 ##
Environmental Costs The Company’s water and wastewater operations and the operations of its Market-Based Businesses are subject to U. S.  federal, state, local and foreign requirements relating to environmental protection, and as such, the Company periodically becomes subject to environmental claims in the normal course of business.
Environmental expenditures that relate to current operations or provide a future benefit are expensed or capitalized as appropriate.
Remediation costs that relate to an existing condition caused by past operations are accrued, on an undiscounted basis, when it is probable that these costs will be incurred and can be reasonably estimated.
A conservation agreement entered into by a subsidiary of the Company with the National Oceanic and Atmospheric Administration in 2010 and amended in 2017 required the subsidiary to, among other provisions, implement certain measures to protect the steelhead trout and its habitat in the Carmel River watershed in the State of California.
The subsidiary agreed to pay $1 million annually commencing in 2010 with the final payment being made in 2021.
Remediation costs accrued amounted to $4 million and $6 million as of December 31, 2018 and 2017, respectively.
Derivative Financial Instruments The Company uses derivative financial instruments for purposes of hedging exposures to fluctuations in interest rates.
These derivative contracts are entered into for periods consistent with the related underlying exposures and do not constitute positions independent of those exposures.
The Company does not enter into derivative contracts for speculative purposes and does not use leveraged instruments.
All derivatives are recognized on the balance sheet at fair value.
On the date the derivative contract is entered into, the Company may designate the derivative as a hedge of the fair value of a recognized asset or liability (fair-value hedge) or a hedge of a forecasted transaction or of the variability of cash flows to be received or paid related to a recognized asset or liability (cash-flow hedge).
Changes in the fair value of a fair-value hedge, along with the gain or loss on the underlying hedged item, are recorded in current-period earnings.
The gains and losses on the effective portion of cash-flow hedges are recorded in other comprehensive income, until earnings are affected by the variability of cash flows.
Any ineffective portion of designated cash-flow hedges is recognized in current-period earnings.
Revenue
## Table 1 ##
Revenue was $4.68 billion, $4.13 billion and $4.28 billion for fiscal years 2015, 2014 and 2013, respectively.
A discussion of our revenue results for each of our reporting segments and the All Other category is as follows: GPU Business.
GPU business revenue increased by 11% in fiscal year 2015 compared to fiscal year 2014.
This increase was due primarily to higher revenue from GeForce GTX GPUs and associated memory for gaming, reflecting a combination of continued strength in PC gaming and increased sales of our Maxwell-based GPU products.
Revenue from Tesla for accelerated datacenter computing increased due to large project wins with cloud service providers and revenue from our NVIDIA GRID virtualization products also increased as this platform gained momentum.
Revenue from GPU products for mainstream PC OEMs declined compared to last year.
GPU business revenue increased by 7% in fiscal year 2014 compared to fiscal year 2013.
This increase was largely attributable to strength in our high-end GeForce GTX GPUs driven by gaming market segment demand.
The GPU business also benefited from higher sales of Tesla accelerated datacenter computing and Quadro enterprise products in fiscal year 2014.
Offsetting these growth areas were declines in the overall market for mainstream desktop PCs and notebooks, which contributed to lower unit volumes of our mainstream GeForce GPUs.
Tegra Processor Business.
Tegra Processor business revenue increased by 45% in fiscal year 2015 compared to fiscal year 2014.
This increase was driven by higher sales of Tegra products serving automotive infotainment systems, smartphones and tablet devices, and the onset of SHIELD tablet sales in fiscal year 2015.
Tegra Processor business revenue decreased by 48% in fiscal year 2014 compared to fiscal year 2013.
This decrease was primarily due to lower sales of our previous generation Tegra 3-based products for smartphones and tablet devices.
Additionally, sales of our embedded products for entertainment devices and revenue from license fees related to game consoles also decreased during fiscal year 2014.
These decreases were partially offset by increased sales of Tegra 4-based products for smartphones and tablet devices, as well as for automotive infotainment systems.
All Other.
License revenue from the patent cross licensing arrangement we entered into with Intel in January 2011 was flat at $264.0 million for fiscal years 2015, 2014 and 2013.
Concentration of Revenue Revenue from sales to customers outside of the United States and Other Americas accounted for 75% of total revenue for both fiscal years 2015 and 2014, and 74% of total revenue for fiscal year 2013.
Revenue by geographic region is allocated to individual countries based on the location to which the products are initially billed even if the revenue is attributable to end customers in a different location.
Total intangible asset amortization expense in 2017, 2016 and 2015 was $145,128, $108,019 and $109,887, respectively.
Estimated intangible asset amortization expense for the five years ending June 30, 2018 through 2022 is $219,238, $209,047, $200,242, $191,520 and $155,482, respectively.
Intangible assets are evaluated for impairment whenever events or circumstances indicate that the undiscounted net cash flows to be generated by their use over their expected useful lives and eventual disposition may be less than their net carrying value.
No such events occurred in 2017, 2016 or 2015.8.  Financing Arrangements The Company has a line of credit totaling $2,000,000 through a multi-currency revolving credit agreement with a group of banks, $1,465,800 of which was available at June 30, 2017.
The credit agreement expires in October 2021; however, the Company has the right to request a one-year extension of the expiration date on an annual basis, which request may result in changes to the current terms and conditions of the credit agreement.
Advances from the credit agreement can be used for general corporate purposes, including acquisitions, and for the refinancing of existing indebtedness.
The credit agreement requires the payment of an annual facility fee, the amount of which may increase in the event the Company's credit ratings are lowered.
Although a lowering of the Company's credit ratings would likely increase the cost of future debt, it would not limit the Company's ability to use the credit agreement nor would it accelerate the repayment of any outstanding borrowings.
The Company is currently authorized to sell up to $2,000,000 of short-term commercial paper notes.
At June 30, 2017, $534,200 of commercial paper notes were outstanding and $303,700 commercial paper notes were outstanding at June 30, 2016.
In addition to commercial paper notes, notes payable includes short-term lines of credit and borrowings from foreign banks.
At June 30, 2017, the Company had $62,946 in lines of credit from various foreign banks, none of which had amounts outstanding at June 30, 2017 or at June 30, 2016.
Most of these agreements are renewed annually.
The weighted-average interest rate on notes payable during both 2017 and 2016 was 0.3 percent.
The Company's foreign locations in the ordinary course of business may enter into financial guarantees through financial institutions which enable customers to be reimbursed in the event of nonperformance by the Company.
The Company's credit agreements and indentures governing certain debt agreements contain various covenants, the violation of which would limit or preclude the use of the applicable agreements for future borrowings, or might accelerate the maturity of the related outstanding borrowings covered by the applicable agreements.
Based on the Company's rating level at June 30, 2017, the most restrictive financial covenant provides that the ratio of debt to debt-shareholders' equity cannot exceed 0.60 to 1.0.
As of June 30, 2017, the Company's debt to debt-shareholders' equity ratio was 0.529 to 1.0.
The Company is in compliance with all covenants.9.
Debt
## Table 2 ##
The following table presents the detail of noninterest expense and the percent change, year over year:
## Table 3 ##
2005 Compared to 2004—Increases in Professional Services and Compensation and Benefits Expense The increase in compensation and benefits expense of $9.7 million was partly due to an increase in salaries and wages expense of $4.2 million, or 5.2%, to $85.0 million for 2005, compared to $80.9 million for 2004.
The increase in salaries and wages is largely attributable to an increase in average full-time equivalent (FTE) personnel and higher rates of employee salaries and wages.
Average FTE personnel increased by 31 to 1,029 in 2005 from 998 in 2004.
Equity-based compensation increased by $3.6 million, or 105.1%, to $7.1 million for 2005, compared to $3.5 million for 2004.
This increase reflects our increased use of restricted stock and restricted stock units, in lieu of stock options, as components of our employee compensation structure, as we transition our equity-based compensation programs.
Professional service expense totaled $28.7 million for 2005, an increase of $11.7 million as compared to $17.1 million for 2004.
The primary components of this net increase were associated with the commitment of resources to amend and restate our Form 10-K for the year ended December 31, 2004, the commitment of resources to document, enhance and audit internal controls to accomplish and adhere to the provisions of the Sarbanes-Oxley Act of 2002 and the independent audit of our internal controls, and expenses associated with certain Information Technology (“IT”) development projects.
We expect our IT development project costs to increase in 2006.
Net occupancy expense decreased between 2005 and 2004.
We renegotiated the lease related to our corporate headquarters facility in Santa Clara, California, The term of the new corporate headquarters lease began retroactively on August 1, 2004, and will end on September 30, 2014, unless terminated on an earlier date.
Based on the new lease terms, our corporate headquarters lease expense is lower than under our previous lease arrangement.2004 Compared to 2003—Decrease in Impairment of Goodwill, Increases in Compensation and Benefits and Professional Services Expense The increase in compensation and benefits expense of $32.2 million was primarily due to an increase in incentive compensation expense of $17.5 million, or 108.1 %, to $33.7 million during 2004, compared to $16.2 million during 2003.
Incentive compensation at SVB Alliant increased $6.9 million and was driven by

<table><tr><td></td><td>2018</td><td>2017</td><td>2016</td></tr><tr><td>Allowance for other funds used during construction</td><td>$24</td><td>$19</td><td>$15</td></tr><tr><td>Allowance for borrowed funds used during construction</td><td>13</td><td>8</td><td>6</td></tr></table>
<table><tr><td></td><td colspan="4">Year Ended</td><td colspan="4">Year Ended</td></tr><tr><td></td><td>January 25,2015</td><td>January 26,2014</td><td>$Change</td><td>%Change</td><td>January 26,2014</td><td>January 27,2013</td><td>$Change</td><td>%Change</td></tr><tr><td></td><td colspan="4">(In millions)</td><td colspan="4">(In millions)</td></tr><tr><td>GPU</td><td>$3,838.9</td><td>$3,468.1</td><td>$370.8</td><td>11%</td><td>$3,468.1</td><td>$3,251.7</td><td>$216.4</td><td>7%</td></tr><tr><td>Tegra Processor</td><td>578.6</td><td>398.0</td><td>180.6</td><td>45%</td><td>398.0</td><td>764.4</td><td>-366.4</td><td>-48%</td></tr><tr><td>All Other</td><td>264.0</td><td>264.0</td><td>—</td><td>—%</td><td>264.0</td><td>264.0</td><td>—</td><td>—%</td></tr><tr><td>Total</td><td>$4,681.5</td><td>$4,130.1</td><td>$551.4</td><td>13%</td><td>$4,130.1</td><td>$4,280.1</td><td>$-150.0</td><td>-4%</td></tr></table>
<table><tr><td>June 30,</td><td>2017</td><td>2016</td></tr><tr><td>Domestic:</td><td></td><td></td></tr><tr><td>Fixed rate medium-term notes, 3.30% to 6.55%, due 2018-2045</td><td>$2,675,000</td><td>$2,675,000</td></tr><tr><td>Senior Notes, 3.25% to 4.10%, due 2027 - 2047</td><td>1,300,000</td><td>—</td></tr><tr><td>Term loan, Libor plus 100 bps, due 2020</td><td>493,750</td><td>—</td></tr><tr><td>Foreign:</td><td></td><td></td></tr><tr><td>Euro Senior Notes, 1.125%, due 2025</td><td>799,890</td><td>—</td></tr><tr><td>Euro Term loan, Libor plus 150 bps, due 2022</td><td>114,270</td><td>—</td></tr><tr><td>Japanese Yen credit facility, JPY Libor plus 55 bps, due 2017</td><td>—</td><td>58,140</td></tr><tr><td>Other long-term debt</td><td>433</td><td>—</td></tr><tr><td>Deferred debt issuance costs</td><td>-47,183</td><td>-22,596</td></tr><tr><td>Total long-term debt</td><td>5,336,160</td><td>2,710,544</td></tr><tr><td>Less: Long-term debt payable within one year</td><td>474,265</td><td>58,087</td></tr><tr><td>Long-term debt, net</td><td>$4,861,895</td><td>$2,652,457</td></tr></table>
<table><tr><td> </td><td colspan="5"> Year Ended December 31,</td></tr><tr><td> </td><td> 2005</td><td> 2004</td><td> % Change  2005/2004</td><td> 2003</td><td> % Change  2004/2003</td></tr><tr><td> </td><td colspan="5"> (Dollars in thousands)</td></tr><tr><td>Compensation and benefits</td><td>$163,590</td><td>$153,897</td><td>6.3%</td><td>$121,653</td><td>26.5%</td></tr><tr><td>Professional services</td><td>28,729</td><td>17,068</td><td>68.3</td><td>13,677</td><td>24.8</td></tr><tr><td>Net occupancy</td><td>16,210</td><td>18,134</td><td>-10.6</td><td>17,638</td><td>2.8</td></tr><tr><td>Furniture and equipment</td><td>12,824</td><td>12,403</td><td>3.4</td><td>11,289</td><td>9.9</td></tr><tr><td>Business development and travel</td><td>10,647</td><td>9,718</td><td>9.6</td><td>8,692</td><td>11.8</td></tr><tr><td>Correspondent bank fees</td><td>5,530</td><td>5,340</td><td>3.6</td><td>4,343</td><td>23.0</td></tr><tr><td>Data processing services</td><td>4,105</td><td>3,647</td><td>12.6</td><td>4,288</td><td>-14.9</td></tr><tr><td>Telephone</td><td>3,703</td><td>3,367</td><td>10.0</td><td>3,187</td><td>5.6</td></tr><tr><td>Postage and supplies</td><td>3,075</td><td>3,255</td><td>-5.5</td><td>2,601</td><td>25.1</td></tr><tr><td>Tax credit fund amortization</td><td>2,388</td><td>2,480</td><td>-3.7</td><td>2,704</td><td>-8.3</td></tr><tr><td>Impairment of goodwill</td><td>—</td><td>1,910</td><td>-100.0</td><td>63,000</td><td>-97.0</td></tr><tr><td>Provision for unfunded credit commitments</td><td>927</td><td>1,549</td><td>-45.4</td><td>2,504</td><td>-38.1</td></tr><tr><td>Trust preferred securities distributions</td><td>—</td><td>—</td><td>—</td><td>1,595</td><td>-100.0</td></tr><tr><td>Other</td><td>8,132</td><td>9,062</td><td>-9.4</td><td>7,725</td><td>17.3</td></tr><tr><td>Total noninterest expense</td><td>$259,860</td><td>$241,830</td><td>7.5%</td><td>$264,896</td><td>-8.7%</td></tr></table>

Question: What is the percentage of Net occupancy in relation to the total in 2005? (in %)
Answer: 0.06238