Table of Contents ADOBE SYSTEMS INCORPORATED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued) The following table sets forth the components of foreign currency translation adjustments for fiscal 2012, 2011 and 2010 (in thousands):
## Table 0 ##
Stock Repurchase Program To facilitate our stock repurchase program, designed to return value to our stockholders and minimize dilution from stock issuances, we repurchase shares in the open market and also enter into structured repurchase agreements with third-parties.
Authorization to repurchase shares to cover on-going dilution was not subject to expiration.
However, this repurchase program was limited to covering net dilution from stock issuances and was subject to business conditions and cash flow requirements as determined by our Board of Directors from time to time.
During the third quarter of fiscal 2010, our Board of Directors approved an amendment to our stock repurchase program authorized in April 2007 from a non-expiring share-based authority to a time-constrained dollar-based authority.
As part of this amendment, the Board of Directors granted authority to repurchase up to $1.6 billion in common stock through the end of fiscal 2012.
During the second quarter of fiscal 2012, we exhausted our $1.6 billion authority granted by our Board of Directors in fiscal 2010.
In April 2012, the Board of Directors approved a new stock repurchase program granting authority to repurchase up to $2.0 billion in common stock through the end of fiscal 2015.
The new stock repurchase program approved by our Board of Directors is similar to our previous $1.6 billion stock repurchase program.
During fiscal 2012, 2011 and 2010, we entered into several structured repurchase agreements with large financial institutions, whereupon we provided the financial institutions with prepayments totaling $405.0 million, $695.0 million and $850 million, respectively.
Of the $405.0 million of prepayments during fiscal 2012, $100.0 million was under the new $2.0 billion stock repurchase program and the remaining $305.0 million was under our previous $1.6 billion authority.
Of the $850.0 million of prepayments during fiscal 2010, $250.0 million was under the stock repurchase program prior to the program amendment in the third quarter of fiscal 2010 and the remaining $600.0 million was under the amended $1.6 billion time-constrained dollar-based authority.
We enter into these agreements in order to take advantage of repurchasing shares at a guaranteed discount to the Volume Weighted Average Price (“VWAP”) of our common stock over a specified period of time.
We only enter into such transactions when the discount that we receive is higher than the foregone return on our cash prepayments to the financial institutions.
There were no explicit commissions or fees on these structured repurchases.
Under the terms of the agreements, there is no requirement for the financial institutions to return any portion of the prepayment to us.
The financial institutions agree to deliver shares to us at monthly intervals during the contract term.
The parameters used to calculate the number of shares deliverable are: the total notional amount of the contract, the number of trading days in the contract, the number of trading days in the interval and the average VWAP of our stock during the interval less the agreed upon discount.
During fiscal 2012, we repurchased approximately 11.5 million shares at an average price of $32.29 through structured repurchase agreements entered into during fiscal 2012.
During fiscal 2011, we repurchased approximately 21.8 million shares at an average price of $31.81 through structured repurchase agreements entered into during fiscal 2011.
During fiscal 2010, we repurchased approximately 31.2 million shares at an average price per share of $29.19 through structured repurchase agreements entered into during fiscal 2009 and fiscal 2010.
For fiscal 2012, 2011 and 2010, the prepayments were classified as treasury stock on our Consolidated Balance Sheets at the payment date, though only shares physically delivered to us by November 30, 2012, December 2, 2011 and December 3, 2010 were excluded from the computation of earnings per share.
As of November 30, 2012, $33.0 million of prepayments remained under these agreements.
As of December 2, 2011 and December 3, 2010, no prepayments remained under these agreements.
A reconciliation of the beginning and ending amount of gross unrecognized tax benefits was as follows:
## Table 1 ##
If recognized, approximately $57 million, $57 million and $62 million, net of federal tax benefits, of unrecognized tax benefits as of December 31, 2015, 2014, and 2013, respectively, would affect the effective tax rate.
It is reasonably possible that the total amounts of unrecognized tax benefits will change in the next 12 months.
The Company estimates that the total amount of gross unrecognized tax benefits may decrease by $90 million to $100 million in the next 12 months primarily due to resolution of IRS examinations.
The Company recognizes interest and penalties related to unrecognized tax benefits as a component of the income tax provision.
The Company recognized a net increase of $3 million, $6 million, and $6 million in interest and penalties for the years ended December 31, 2015, 2014, and 2013, respectively.
At December 31, 2015 and 2014, the Company had a payable of $51 million and $48 million, respectively, related to accrued interest and penalties.
The Company or one or more of its subsidiaries files income tax returns in the U. S.  federal jurisdiction, and various state and foreign jurisdictions.
The IRS has completed its field examination of the 1997 through 2011 tax returns.
However, for federal income tax purposes, tax years 1997 through 2006, 2008, and 2009 remain open for certain unagreed-upon issues.
The IRS is currently auditing the Company’s U. S.  Income Tax Returns for 2012 and 2013.
The Company’s or certain of its subsidiaries’ state income tax returns are currently under examination by various jurisdictions for years ranging from 1997 through 2012 and remain open for all years after 2012.22.
Retirement Plans and Profit Sharing Arrangements Defined Benefit Plans Pension Plans and Other Postretirement Benefits The Company’s U. S.  non-advisor employees are generally eligible for the Ameriprise Financial Retirement Plan (the ‘‘Retirement Plan’’), a noncontributory defined benefit plan which is a qualified plan under the Employee Retirement Income Security Act of 1974, as amended (‘‘ERISA’’).
Funding of costs for the Retirement Plan complies with the applicable minimum funding requirements specified by ERISA and is held in a trust.
The Retirement Plan is a cash balance plan by which the employees’ accrued benefits are based on notional account balances, which are maintained for each individual.
Each pay period these balances are credited with an amount equal to a percentage of eligible compensation as defined by the Retirement Plan (which includes, but is not limited to, base pay, performance based incentive pay, commissions, shift differential and overtime).
Prior to March 1, 2010, the percentage ranged from 2.5% to 10% based on employees’ age plus years of service.
Effective March 1, 2010, the percentage ranges from 2.5% to 5% based on employees’ years of service.
Employees eligible for the plan at the time of the change will continue to receive the same percentage they were receiving until the new schedule becomes more favorable.
Employees’ balances are also credited with a fixed rate of interest that is updated each January 1 and is based on the average of the daily five-year U. S.  Treasury Note yields for the previous October 1 through November 30, with a minimum crediting rate of 5%.
Employees are fully vested after three years of service or upon retirement at or after age 65, disability or death while employed.
Employees have the option to receive annuity payments or a lump sum payout of vested balance at termination or retirement.
The Retirement Plan’s year-end is September 30.
In addition, the Company sponsors the Ameriprise Financial Supplemental Retirement Plan (the ‘‘SRP’’), an unfunded non-qualified deferred compensation plan subject to Section 409A of the Internal Revenue Code.
This plan is for certain highly compensated employees to replace the benefit that cannot be provided by the Retirement Plan due to IRS limits.
The SRP generally parallels the Retirement Plan but offers different payment options.
The Company also sponsors unfunded defined benefit postretirement plans that provide health care and life insurance to retired U. S.  employees.
Net periodic postretirement benefit costs were nil for the years ended December 31, 2015, 2014 and 2013.
Most employees outside the U. S.  are covered by local retirement plans, some of which are funded, while other employees receive payments at the time of retirement or termination under applicable labor laws or agreements.
ÿþof the unlocking impact to other revenues in both periods was lower projected gains on reinsurance contracts resulting  from favorable mortality experience.
  Expenses  Total expenses, which exclude the market impact on indexed universal life benefits (net of hedges and the related DAC  amortization) and the DAC offset to net realized investment gains or losses, increased $160 million, or 8%, to $2.
2 billion  for the year ended December 31, 2015 compared to $2.
0 billion for the prior year primarily due to increases in benefits,  claims, losses and settlement expenses and amortization of DAC.
  Benefits, claims, losses and settlement expenses increased $122 million, or 9%, to $1.
5 billion for the year ended  December 31, 2015 compared to $1.
4 billion for the prior year primarily reflecting the following items:  "  A $106 million increase related to our auto and home business due to an increase in the provision for estimated  losses reflecting the impact of growth in exposures due to a 3% increase in policies in force, higher 2015 accident  year loss ratio assumptions and prior year development.
 In 2015, we increased our claims reserves $57 million  primarily related to the 2014 and prior accident years auto liability coverages.
 This increase was driven by elevated  frequency and severity experience for auto injury claims, as well as a lower than expected level of impact in improving  the outcome of 2014 and prior accident year existing claims.
 Auto and home losses for the prior year included a  $30 million increase to prior accident year loss reserves resulting from adverse development in the 2013 and prior  accident years auto liability coverage and a $60 million increase to loss reserves for estimated losses including IBNR  claims resulting from further adverse loss development observed primarily in the 2014 auto book of business.
  Catastrophe losses were $72 million for the year ended December 31, 2015 compared to $66 million for the prior  year.
  "  A $20 million increase in life insurance claims compared to the prior year primarily due to larger claims.
  "  A $19 million increase in LTC claims compared to the prior year primarily due to an increase in the number of open  claims and an update in claim reserve assumptions partially offset by a higher interest rate used for LTC claims and  the release of additional LTC reserves.
  Amortization of DAC, which excludes the DAC offset to the market impact on indexed universal life benefits and the DAC  offset to net realized investment gains or losses, increased $20 million, or 15%, to $155 million for the year ended  December 31, 2015 compared to $135 million for the prior year primarily due to the impact of unlocking.
 Amortization of  DAC for the year ended December 31, 2015 included a $10 million expense from unlocking primarily driven by the  difference between our previously assumed interest rates versus the continued low interest rate environment.
 Amortization  of DAC for the prior year included a $9 million benefit from unlocking.
  Corporate & Other  The following table presents the results of operations of our Corporate & Other segment on an operating basis:  @T@  Our Corporate & Other segment pretax operating loss excludes net realized investment gains or losses, the market impact  of hedges to offset interest rate changes on unrealized gains or losses for certain investments, integration and restructuring  charges, and the impact of consolidating CIEs.
 Our Corporate & Other segment pretax operating loss decreased
## Table 2 ##

['

2012	2011	2010
Beginning balance	$10,580	$7,632	$10,640
Foreign currency translation adjustments	-2,225	5,156	-4,144
Income tax effect relating to translation adjustments forundistributed foreign earnings	1,314	-2,208	1,136
Ending balance	$9,669	$10,580	$7,632

', '

2015	2014	2013
(in millions)
Balance at January 1	$242	$209	$116
Additions based on tax positions related to the current year	18	17	22
Additions for tax positions of prior years	48	35	74
Reductions for tax positions of prior years	-147	-19	-3
Balance at December 31	$161	$242	$209

', '

Years Ended December 31,
2015	2014	Change
(in millions)
Revenues
Distribution fees	$—	$1	$-1	NM
Net investment loss	-10	-6	-4	-67%
Other revenues	13	9	4	44
Total revenues	3	4	-1	-25
Banking and deposit interest expense	—	—	—	—
Total net revenues	3	4	-1	-25
Expenses
Distribution expenses	—	1	-1	NM
Interest and debt expense	22	21	1	5
General and administrative expense	180	212	-32	-15
Total expenses	202	234	-32	-14
Operating loss	$-199	$-230	$31	13%

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Question: In the year with largest amount of General and administrative expense, what's the increasing rate of Total revenues?
Answer: -0.25