on october 21 , 2004 , the hartford declared a dividend on its common stock of $ 0.29 per share payable on january 3 , 2005 to shareholders of record as of december 1 , 2004 .the hartford declared $ 331 and paid $ 325 in dividends to shareholders in 2004 , declared $ 300 and paid $ 291 in dividends to shareholders in 2003 , declared $ 262 and paid $ 257 in 2002 .aoci - aoci increased by $ 179 as of december 31 , 2004 compared with december 31 , 2003 .the increase in aoci is primarily the result of life 2019s adoption of sop 03-1 , which resulted in a $ 292 cumulative effect for unrealized gains on securities in the first quarter of 2004 related to the reclassification of investments from separate account assets to general account assets , partially offset by net unrealized losses on cash-flow hedging instruments .the funded status of the company 2019s pension and postretirement plans is dependent upon many factors , including returns on invested assets and the level of market interest rates .declines in the value of securities traded in equity markets coupled with declines in long- term interest rates have had a negative impact on the funded status of the plans .as a result , the company recorded a minimum pension liability as of december 31 , 2004 , and 2003 , which resulted in an after-tax reduction of stockholders 2019 equity of $ 480 and $ 375 respectively .this minimum pension liability did not affect the company 2019s results of operations .for additional information on stockholders 2019 equity and aoci see notes 15 and 16 , respectively , of notes to consolidated financial statements .cash flow 2004 2003 2002 .
[['cash flow', '2004', '2003', '2002'], ['net cash provided by operating activities', '$ 2634', '$ 3896', '$ 2577'], ['net cash used for investing activities', '$ -2401 ( 2401 )', '$ -8387 ( 8387 )', '$ -6600 ( 6600 )'], ['net cash provided by financing activities', '$ 477', '$ 4608', '$ 4037'], ['cash 2014 end of year', '$ 1148', '$ 462', '$ 377']]
2004 compared to 2003 2014 cash from operating activities primarily reflects premium cash flows in excess of claim payments .the decrease in cash provided by operating activities was due primarily to the $ 1.15 billion settlement of the macarthur litigation in 2004 .cash provided by financing activities decreased primarily due to lower proceeds from investment and universal life-type contracts as a result of the adoption of sop 03-1 , decreased capital raising activities , repayment of commercial paper and early retirement of junior subordinated debentures in 2004 .the decrease in cash from financing activities and operating cash flows invested long-term accounted for the majority of the change in cash used for investing activities .2003 compared to 2002 2014 the increase in cash provided by operating activities was primarily the result of strong premium cash flows .financing activities increased primarily due to capital raising activities related to the 2003 asbestos reserve addition and decreased due to repayments on long-term debt and lower proceeds from investment and universal life-type contracts .the increase in cash from financing activities accounted for the majority of the change in cash used for investing activities .operating cash flows in each of the last three years have been adequate to meet liquidity requirements .equity markets for a discussion of the potential impact of the equity markets on capital and liquidity , see the capital markets risk management section under 201cmarket risk 201d .ratings ratings are an important factor in establishing the competitive position in the insurance and financial services marketplace .there can be no assurance that the company's ratings will continue for any given period of time or that they will not be changed .in the event the company's ratings are downgraded , the level of revenues or the persistency of the company's business may be adversely impacted .on august 4 , 2004 , moody 2019s affirmed the company 2019s and hartford life , inc . 2019s a3 senior debt ratings as well as the aa3 insurance financial strength ratings of both its property-casualty and life insurance operating subsidiaries .in addition , moody 2019s changed the outlook for all of these ratings from negative to stable .since the announcement of the suit filed by the new york attorney general 2019s office against marsh & mclennan companies , inc. , and marsh , inc .on october 14 , 2004 , the major independent ratings agencies have indicated that they continue to monitor developments relating to the suit .on october 22 , 2004 , standard & poor 2019s revised its outlook on the u.s .property/casualty commercial lines sector to negative from stable .on november 23 , 2004 , standard & poor 2019s revised its outlook on the financial strength and credit ratings of the property-casualty insurance subsidiaries to negative from stable .the outlook on the life insurance subsidiaries and corporate debt was unaffected. .

Question: what is the net chance in cash in 2004?
Answer: 686