American International Group, Inc.  and Subsidiaries Survival Ratios-Asbestos and Environmental The following table presents AlG's survival ratios for asbestos and environmental claims for year-end 2006,2005 and 2004.
The survival ratio is derived by dividing the year end carried loss reserve by the average payments for the three most recent calendar years for these claims.
Therefore, the survival ratio is a simplistic measure estimating the number of years it would be before the current ending loss reser ves for these claims would be paid off using recent year average payments.
The December 31, 2006 survival ratio is lower than the ratio at December 31,2005because the more recent periods included in the rolling average reflect higher claims payments.
Many factors, such as aggressive settlement procedures, mix of business and level of coverage provided, have a significant effect on the amount of asbestos and environmental reserves and payments and the resultant survivalratio.
Thus, caution should be exercised in attempting to deter- mine reserve adequacy for these claims based simply on this survival ratio.
AlG's survival ratios for asbestos and environmental claims, separately and combined were based upon a three-year average payment.
These ratios for the years ended December 31,2006,2005 and 2004 were as follows:
## Table 0 ##
Life Insurance & Retirement Services Operations AIG's Life Insurance & Retirement Services subsidiaries offer a wide range of insurance and retirement savings products both domestically and abroad.
Domestically, AlG's Life Insurance & Retirement Services operations offer a broad range of protection products, such as life insurance and group life and health products, including disability income products and payout annuities, which include single premium immediate annuities, structured settlements and termi- nal funding annuities.
Home service operations include an array of life insurance, accident and health and annuity products soldprimarily through career agents.
In addition, home service in- cludes a small block of runoff property and casualty coverage.
Retirement services include group retirement products, individual fixed and variable annuities sold through banks, broker-dealers and exclusive sales representatives, and annuity runoff opera- tions, which include previously acquired"closed blocks"and other fixed and variable annuities largely sold through distribution relationships that have been discontinued.
Overseas, AlG's Life Insurance & Retirement Services opera- tions include insurance and investment-oriented products such as whole and term life, investment linked, universal life and endo- ments, personal accident and health products, group products including pension, life and health, and fixed and variable annuities.
AlG's Life Insurance & Retirement Ser vices subsidiaries reporttheir operations through the following major internal reporting units and business units: Foreign Life Insurance & Retirement Services Japan and Other* ·ALICO ·AlG Star Life ·AIG Edison Life Asia·AIA ·Nan Shan ·AlRCO ·Philamlife Domestic Life Insurance ·AlG American General ·USLIFE ·AGLA Domestic Retirement Services ·VALIC ·AlG Annuity ·AlG SunAmerica *Japan and Other consists of all operations in Japan and the operations of ALICO and its subsidi aries worldwide.
American International Group, Inc.  and Subsidiaries 15.
Employee Benefits Continued (i) Components of net periodic benefit cost and other amounts recognized in other comprehensive income: The following table presents the components of net periodic benefit cost recognized in income and other amounts recognized in other comprehensive income with respect to the defined benefit pension plans and other postretirement benefit plans for the year ended December 31, 2006 (no amounts were recognized in other comprehensive income for the years ended 2005 and 2004):
## Table 1 ##
* The reduction resulted from transferring to the Japanese government certain Japanese plan obligations approximating $50 million reduced by approximately $26 million loss incurred with respect to the settlement of those obligations.
For the U. S.  plans, the estimated net loss, prior service credit and transition obligation for the defined benefit pension plans that will be amortized from Accumulated other comprehensive income into net periodic benefit cost over the next fiscal year are $37 million, $3 million and $0 million, respectively.
For the non-U.
S.  plans, the estimated net loss, prior service credit and transition obligation for the defined benefit pension plans that will be amortized from Accumulated other comprehensive income into net periodic benefit cost over the next fiscal year are $11 million, $10 million and $1 million, respectively.
The estimated net loss, prior service credit and transition obligation for the other defined benefit postretirement plans that will be amortized from Accumulated other comprehensive income into net periodic benefit cost over the next fiscal year will be less than $5 million in the aggregate.
PART?III 59 ITEM?10.
DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE For the information required by this Item?10 with respect to our Executive Officers, see Part?I, Item 1.  of this report.
For the other information required by this Item?10, see “Election Of Directors,” “Nominees for Election to the Board of Directors,” “Corporate Governance” and “Section?16(a) Beneficial Ownership Reporting Compliance,” in the Proxy Statement for our 2019 Annual Meeting, which information is incorporated herein by reference.
The Proxy Statement for our 2019 Annual Meeting will be filed within 120?days after the end of the fiscal year covered by this Annual Report on Form 10-K.
ITEM?11.
EXECUTIVE COMPENSATION For the information required by this Item?11, see “Compensation Discussion and Analysis,” “Compensation Committee Report,” and “Executive Compensation” in the Proxy Statement for our 2019 Annual Meeting, which information is incorporated herein by reference.
ITEM?12.
SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS For the information required by this Item?12 with respect to beneficial ownership of our common stock, see “Security Ownership of Certain Beneficial Owners and Management” in the Proxy Statement for our 2019 Annual Meeting, which information is incorporated herein by reference.
The following table sets forth certain information as of December?31, 2018 regarding our equity plans :
## Table 2 ##
(1) The number of securities in column (A) include 22,290 shares of common stock underlying performance stock units if maximum performance levels are achieved; the actual number of shares, if any, to be issued with respect to the performance stock units will be based on performance with respect to specified financial and relative stock price measures.
ITEM?13.
CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE For the information required by this Item?13, see “Certain Transactions” and “Corporate Governance” in the Proxy Statement for our 2019 Annual Meeting, which information is incorporated herein by reference.
ITEM?14.
PRINCIPAL ACCOUNTING FEES AND SERVICES For the information required by this Item?14, see “Audit and Non-Audit Fees” and “Audit Committee Pre-Approval Procedures” in the Proxy Statement for our 2019 Annual Meeting, which information is incorporated herein by reference.

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Gross	Net
2006
Survival ratios:
Asbestos	11.7	12.9
Environmental	5.3	4.5
Combined	10.3	10.3
2005
Survival ratios:
Asbestos	15.9	19.8
Environmental	6.9	6.2
Combined	13.0	14.2
2004
Survival ratios:
Asbestos	10.7	13.5
Environmental	6.5	6.8
Combined	9.1	10.5

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Pensions	Postretirement
(in millions)	Non-U.S. Plans	U.S. Plans	Total	Non-U.S. Plans	U.S. Plans	Total
2006
Components of net periodic benefit cost:
Service cost	$78	$130	$208	$4	$6	$10
Interest cost	36	169	205	2	11	13
Expected return on assets	-28	-201	-229	—	—	—
Amortization of prior service cost	-9	-3	-12	—	-6	-6
Amortization of transitional obligation	1	—	1	—	—	—
Recognition of net actuarial (gains)/losses	16	75	91	—	—	—
Other	1	6	7	—	—	—
Net periodic benefit cost	$95	$176	$271	$6	$11	$17
Total recognized in other comprehensive income	$38	$24	$62	$—	$—	$—
Total recognized in net periodic benefit cost and other comprehensive income	$133	$200	$333	$6	$11	$17
2005
Components of net periodic benefit cost:
Service cost	$71	$111	$182	$4	$5	$9
Interest cost	32	153	185	2	11	13
Expected return on assets	-21	-180	-201	—	—	—
Amortization of prior service cost	-10	-3	-13	—	-6	-6
Amortization of transitional obligation	1	—	1	—	—	—
Recognition of net actuarial (gains)/losses	21	55	76	—	—	—
Other	7	1	8	—	—	—
Net periodic benefit cost	$101	$137	$238	$6	$10	$16
2004
Components of net periodic benefit cost:
Service cost	$59	$101	$160	$3	$6	$9
Interest cost	33	147	180	2	14	16
Expected return on assets	-22	-170	-192	—	—	—
Amortization of prior service cost	-8	—	-8	—	-7	-7
Amortization of transitional obligation	2	—	2	—	—	—
Recognition of net actuarial (gains)/losses	15	53	68	11	2	13
Other*	-24	—	-24	3	—	3
Net periodic benefit cost	$55	$131	$186	$19	$15	$34

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Plan Category	Number of Securitiesto be Issued UponExercise ofOutstanding Options, Warrants and Rights-1 (A)(B)	Weighted-AverageExercise Price ofOutstanding Options, Warrants and Rights	Number of SecuritiesRemaining Available forFuture Issuance UnderEquity CompensationPlans (ExcludingSecurities Reflected in Column (A)) (C)
Equity compensation plans approved by security holders	1,471,449	$136.62	3,578,241

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Question: In the year with the most Interest cost in Table 1, what is the growth rate of Environmental in Table 0?
Answer: -0.23188000000000003