management 2019s discussion and analysis operating expenses our operating expenses are primarily influenced by compensation , headcount and levels of business activity . in addition , see 201cuse of estimates 201d for expenses that may arise from litigation and regulatory proceedings . compensation and benefits includes salaries , discretionary compensation , amortization of equity awards and other items such as benefits . discretionary compensation is significantly impacted by , among other factors , the level of net revenues , overall financial performance , prevailing labor markets , business mix , the structure of our share-based compensation programs and the external environment . the table below presents our operating expenses and total staff ( which includes employees , consultants and temporary staff ) . .
|$ in millions|year ended december 2014|year ended december 2013|year ended december 2012|
|compensation and benefits|$ 12691|$ 12613|$ 12944|
|brokerage clearing exchange anddistribution fees|2501|2341|2208|
|market development|549|541|509|
|communications and technology|779|776|782|
|depreciation and amortization|1337|1322|1738|
|occupancy|827|839|875|
|professional fees|902|930|867|
|insurance reserves1|2014|176|598|
|other expenses|2585|2931|2435|
|total non-compensation expenses|9480|9856|10012|
|total operating expenses|$ 22171|$ 22469|$ 22956|
|total staff at period-end|34000|32900|32400|
1 . consists of changes in reserves related to our americas reinsurance business , including interest credited to policyholder account balances , and expenses related to property catastrophe reinsurance claims . in april 2013 , we completed the sale of a majority stake in our americas reinsurance business and no longer consolidate this business . 2014 versus 2013 . operating expenses on the consolidated statements of earnings were $ 22.17 billion for 2014 , essentially unchanged compared with 2013 . compensation and benefits expenses on the consolidated statements of earnings were $ 12.69 billion for 2014 , essentially unchanged compared with 2013 . the ratio of compensation and benefits to net revenues for 2014 was 36.8% ( 36.8 % ) compared with 36.9% ( 36.9 % ) for 2013 . total staff increased 3% ( 3 % ) during 2014 . non-compensation expenses on the consolidated statements of earnings were $ 9.48 billion for 2014 , 4% ( 4 % ) lower than 2013 . the decrease compared with 2013 included a decrease in other expenses , due to lower net provisions for litigation and regulatory proceedings and lower operating expenses related to consolidated investments , as well as a decline in insurance reserves , reflecting the sale of our americas reinsurance business in 2013 . these decreases were partially offset by an increase in brokerage , clearing , exchange and distribution fees . net provisions for litigation and regulatory proceedings for 2014 were $ 754 million compared with $ 962 million for 2013 ( both primarily comprised of net provisions for mortgage-related matters ) . 2014 included a charitable contribution of $ 137 million to goldman sachs gives , our donor-advised fund . compensation was reduced to fund this charitable contribution to goldman sachs gives . the firm asks its participating managing directors to make recommendations regarding potential charitable recipients for this contribution . 2013 versus 2012 . operating expenses on the consolidated statements of earnings were $ 22.47 billion for 2013 , 2% ( 2 % ) lower than 2012 . compensation and benefits expenses on the consolidated statements of earnings were $ 12.61 billion for 2013 , 3% ( 3 % ) lower compared with $ 12.94 billion for 2012 . the ratio of compensation and benefits to net revenues for 2013 was 36.9% ( 36.9 % ) compared with 37.9% ( 37.9 % ) for 2012 . total staff increased 2% ( 2 % ) during 2013 . non-compensation expenses on the consolidated statements of earnings were $ 9.86 billion for 2013 , 2% ( 2 % ) lower than 2012 . the decrease compared with 2012 included a decline in insurance reserves , reflecting the sale of our americas reinsurance business , and a decrease in depreciation and amortization expenses , primarily reflecting lower impairment charges and lower operating expenses related to consolidated investments . these decreases were partially offset by an increase in other expenses , due to higher net provisions for litigation and regulatory proceedings , and higher brokerage , clearing , exchange and distribution fees . net provisions for litigation and regulatory proceedings for 2013 were $ 962 million ( primarily comprised of net provisions for mortgage-related matters ) compared with $ 448 million for 2012 ( including a settlement with the board of governors of the federal reserve system ( federal reserve board ) regarding the independent foreclosure review ) . 2013 included a charitable contribution of $ 155 million to goldman sachs gives , our donor-advised fund . compensation was reduced to fund this charitable contribution to goldman sachs gives . the firm asks its participating managing directors to make recommendations regarding potential charitable recipients for this contribution . 38 goldman sachs 2014 annual report .

Question: what is the growth rate in operating expenses in 2013?
Answer: -0.02121