Humana Inc.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) not be estimated based on observable market prices, and as such, unobservable inputs were used.
For auction rate securities, valuation methodologies include consideration of the quality of the sector and issuer, underlying collateral, underlying final maturity dates, and liquidity.
Recently Issued Accounting Pronouncements There are no recently issued accounting standards that apply to us or that will have a material impact on our results of operations, financial condition, or cash flows.3.
ACQUISITIONS On December 21, 2012, we acquired Metropolitan Health Networks, Inc. , or Metropolitan, a Medical Services Organization, or MSO, that coordinates medical care for Medicare Advantage beneficiaries and Medicaid recipients, primarily in Florida.
We paid $11.25 per share in cash to acquire all of the outstanding shares of Metropolitan and repaid all outstanding debt of Metropolitan for a transaction value of $851 million, plus transaction expenses.
The preliminary fair values of Metropolitan’s assets acquired and liabilities assumed at the date of the acquisition are summarized as follows:
## Table 0 ##
The goodwill was assigned to the Health and Well-Being Services segment and is not deductible for tax purposes.
The other intangible assets, which primarily consist of customer contracts and trade names, have a weighted average useful life of 8.4 years.
On October 29, 2012, we acquired a noncontrolling equity interest in MCCI Holdings, LLC, or MCCI, a privately held MSO headquartered in Miami, Florida that coordinates medical care for Medicare Advantage and Medicaid beneficiaries primarily in Florida and Texas.
The Metropolitan and MCCI transactions are expected to provide us with components of a successful integrated care delivery model that has demonstrated scalability to new markets.
A substantial portion of the revenues for both Metropolitan and MCCI are derived from services provided to Humana Medicare Advantage members under capitation contracts with our health plans.
In addition, Metropolitan and MCCI provide services to Medicare Advantage and Medicaid members under capitation contracts with third party health plans.
Under these capitation agreements with Humana and third party health plans, Metropolitan and MCCI assume financial risk associated with these Medicare Advantage and Medicaid members.
Humana Inc.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) 17.
EXPENSES ASSOCIATED WITH LONG-DURATION INSURANCE PRODUCTS Premiums associated with our long-duration insurance products accounted for approximately 2% of our consolidated premiums and services revenue for the year ended December 31, 2012.
We use long-duration accounting for products such as long-term care, life insurance, annuities, and certain health and other supplemental policies sold to individuals because they are expected to remain in force for an extended period beyond one year and because premium received in the earlier years is intended to pay anticipated benefits to be incurred in future years.
As a result, we defer policy acquisition costs, primarily consisting of commissions, and amortize them over the estimated life of the policies in proportion to premiums earned.
In addition, we establish reserves for future policy benefits in recognition of the fact that some of the premium received in the earlier years is intended to pay anticipated benefits to be incurred in future years.
These reserves are recognized on a net level premium method based on interest rates, mortality, morbidity, withdrawal and maintenance expense assumptions from published actuarial tables, modified based upon actual experience.
The assumptions used to determine the liability for future policy benefits are established and locked in at the time each contract is acquired and would only change if our expected future experience deteriorated to the point that the level of the liability, together with the present value of future gross premiums, are not adequate to provide for future expected policy benefits.
Long-term care policies provide for long-duration coverage and, therefore, our actual claims experience will emerge many years after assumptions have been established.
The risk of a deviation of the actual interest rates, morbidity rates, and mortality rates from those assumed in our reserves are particularly significant to our closed block of long-term care policies.
We monitor the loss experience of these long-term care policies and, when necessary, apply for premium rate increases through a regulatory filing and approval process in the jurisdictions in which such products were sold.
To the extent premium rate increases and/ or loss experience vary from our acquisition date assumptions, future adjustments to reserves could be required.
The table below presents deferred acquisition costs and future policy benefits payable associated with our long-duration insurance products for the years ended December 31, 2012 and 2011.
## Table 1 ##
In addition, future policy benefits payable include amounts of $220 million at December 31, 2012 and $224 million at December 31, 2011 which are subject to 100% coinsurance agreements as more fully described in Note 18.
Benefits expense associated with future policy benefits payable was $136 million in 2012, $114 million in 2011, and $266 million in 2010.
Benefits expense for 2012 and 2010 included net charges of $29 million and $139 million, respectively, associated with our long-term care policies discussed further below.
Amortization of deferred acquisition costs included in operating costs was $44 million in 2012, $34 million in 2011, and $198 million in 2010.
Amortization expense for 2010 included a write-down of deferred acquisition costs of $147 million discussed further below.
## Table 2 ##
Pretax Results ?
Employer Group segment pretax income decreased $46 million, or 16%, to $242 million in 2011 primarily due to the impact of minimum benefit ratios required under the Health Insurance Reform Legislation which became effective in 2011.
Enrollment ?
Fully-insured commercial group medical membership decreased 72,000 members, or 5.7%, from December 31, 2010 to December 31, 2011 primarily due to continued pricing discipline in a highly competitive environment for large group business partially offset by small group business membership gains.  ?
Group ASO commercial medical membership decreased 161,300 members, or 11.1%, from December 31, 2010 to December 31, 2011 primarily due to continued pricing discipline in a highly competitive environment for self-funded accounts.
Premiums revenue ?
Employer Group segment premiums decreased by $203 million, or 2.2%, from 2010 to $8.9 billion for 2011 primarily due to lower average commercial group medical membership year-over-year and rebates associated with minimum benefit ratios required under the Health Insurance Reform Legislation which became effective in 2011, partially offset by an increase in group Medicare Advantage membership.
Rebates result in the recognition of lower premiums revenue, as amounts are set aside for payments to commercial customers during the following year.
Benefits expense ?
The Employer Group segment benefit ratio of 82.4% for 2011 was unchanged from 2010 due to offsetting factors.
Factors increasing the 2011 ratio compared to the 2010 ratio include growth in our group Medicare Advantage products which generally carry a higher benefit ratio than our fully-insured commercial group products and the effect of rebates accrued in 2011 associated with the minimum benefit ratios required under the Health Insurance Reform Legislation.
Factors decreasing the 2011 ratio compared to the 2010 ratio include the beneficial effect of higher favorable prior-period medical claims reserve development in 2011 versus 2010 and lower utilization of benefits in our commercial group

<table><tr><td></td><td>Metropolitan (in millions)</td></tr><tr><td>Cash and cash equivalents</td><td>$49</td></tr><tr><td>Receivables, net</td><td>28</td></tr><tr><td>Other current assets</td><td>40</td></tr><tr><td>Property and equipment</td><td>22</td></tr><tr><td>Goodwill</td><td>569</td></tr><tr><td>Other intangible assets</td><td>263</td></tr><tr><td>Other long-term assets</td><td>1</td></tr><tr><td>Total assets acquired</td><td>972</td></tr><tr><td>Current liabilities</td><td>-22</td></tr><tr><td>Other long-term liabilities</td><td>-99</td></tr><tr><td>Total liabilities assumed</td><td>-121</td></tr><tr><td>Net assets acquired</td><td>$851</td></tr></table>
<table><tr><td></td><td colspan="2">2012</td><td colspan="2">2011</td></tr><tr><td></td><td> Deferred acquisition costs</td><td>Future policy benefits payable</td><td> Deferred acquisition costs</td><td>Future policy benefits payable</td></tr><tr><td></td><td colspan="4">(in millions)</td></tr><tr><td>Other long-term assets</td><td>$149</td><td>$0</td><td>$114</td><td>$0</td></tr><tr><td>Trade accounts payable and accrued expenses</td><td>0</td><td>-63</td><td>0</td><td>-58</td></tr><tr><td>Long-term liabilities</td><td>0</td><td>-1,858</td><td>0</td><td>-1,663</td></tr><tr><td>Total asset (liability)</td><td>$149</td><td>$-1,921</td><td>$114</td><td>$-1,721</td></tr></table>
<table><tr><td></td><td colspan="2"></td><td colspan="2">Change</td></tr><tr><td></td><td>2011</td><td>2010</td><td>Dollars</td><td>Percentage</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td> Premiums and Services Revenue:</td><td></td><td></td><td></td><td></td></tr><tr><td>Premiums:</td><td></td><td></td><td></td><td></td></tr><tr><td>Fully-insured commercial group</td><td>$4,782</td><td>$5,169</td><td>$-387</td><td>-7.5%</td></tr><tr><td>Group Medicare Advantage</td><td>3,152</td><td>3,021</td><td>131</td><td>4.3%</td></tr><tr><td>Group Medicare stand-alone PDP</td><td>8</td><td>5</td><td>3</td><td>60.0%</td></tr><tr><td>Total group Medicare</td><td>3,160</td><td>3,026</td><td>134</td><td>4.4%</td></tr><tr><td>Group specialty</td><td>935</td><td>885</td><td>50</td><td>5.6%</td></tr><tr><td>Total premiums</td><td>8,877</td><td>9,080</td><td>-203</td><td>-2.2%</td></tr><tr><td>Services</td><td>356</td><td>395</td><td>-39</td><td>-9.9%</td></tr><tr><td>Total premiums and services revenue</td><td>$9,233</td><td>$9,475</td><td>$-242</td><td>-2.6%</td></tr><tr><td> Income before income taxes</td><td>$242</td><td>$288</td><td>$-46</td><td>-16.0%</td></tr><tr><td>Benefit ratio</td><td>82.4%</td><td>82.4%</td><td></td><td>0.0%</td></tr><tr><td>Operating cost ratio</td><td>17.8%</td><td>17.5%</td><td></td><td>0.3%</td></tr></table>

Question: What's the growth rate of Group specialty in 2011? (in %)
Answer: 0.0565