Table VI Allocation of the Allowance for Credit Losses by Product Type
## Table 0 ##
(1) Includes allowance for loan and lease losses for U. S.  small business commercial loans of $507 million, $536 million, $462 million, $642 million and $893 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(2) Includes allowance for loan and lease losses for impaired commercial loans of $217 million, $159 million, $277 million, $475 million and $545 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(3) Includes $804 million, $1.7 billion, $2.5 billion, $5.5 billion and $8.5 billion of valuation allowance presented with the allowance for loan and lease losses related to PCI loans at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
Table VII Selected Loan Maturity Data (1, 2)
## Table 1 ##
(1) Loan maturities are based on the remaining maturities under contractual terms.
(2) Includes loans accounted for under the fair value option.
(3) Loan maturities include non-U.
S.  commercial and commercial real estate loans.
NOTE 12: STOCK-BASED COMPENSATION PLANS Our Company grants awards under its stock-based compensation plans to certain employees of the Company.
Total stock-based compensation expense was $258 million, $236 million and $209 million in 2016, 2015 and 2014, respectively, and was included as a component of selling, general and administrative expenses in our consolidated statements of income.
The total income tax benefit recognized in our consolidated statements of income related to awards under these plans was $71 million, $65 million and $57 million in 2016, 2015 and 2014, respectively.
Beginning in 2015, certain employees who had previously been eligible for long-term equity awards received long-term performance cash awards.
Employees who receive these performance cash awards do not receive equity awards as part of the long-term incentive program.
As of December 31, 2016, we had $267 million of total unrecognized compensation cost related to nonvested stock-based compensation awards granted under our plans.
This cost is expected to be recognized over a weighted-average period of 1.5 years as stock-based compensation expense.
This expected cost does not include the impact of any future stock-based compensation awards.
The Coca-Cola Company 2014 Equity Plan ("2014 Equity Plan") was approved by shareowners in April 2014.
Under the 2014 Equity Plan, a maximum of 500 million shares of our common stock was approved to be issued, through the grant of equity awards, to certain employees.
The 2014 Equity Plan allows for grants of stock options, performance share units, restricted stock units, restricted stock and other specified award types including cash awards with performance-based vesting criteria.
Beginning in 2015, the 2014 Equity Plan was the primary plan in use for equity awards and performance cash awards.
There were no grants made from the 2014 Equity Plan prior to 2015.
As of December 31, 2016, there were 448.3 million shares available to be granted under the 2014 Equity Plan.
In addition to the 2014 Equity Plan, there were 2.7 million shares available to be granted under stock option plans approved by shareowners in 1999 and 2008 and 0.2 million shares available to be granted under a restricted stock award plan approved by shareowners in 1989.
Stock Option Awards Stock options have generally been granted with an exercise price equal to the average of the high and low market prices per share for the Company's stock on the date of grant.
The fair value of each stock option award is estimated using a BlackScholes-Merton option-pricing model and is amortized over the vesting period, generally four years.
The weighted-average fair value of stock options granted during the past three years and the weighted-average assumptions used in the Black-ScholesMerton option-pricing model for such grants were as follows:
## Table 2 ##
1 The dividend yield is the calculated yield on the Company's stock at the time of the grant.2 Expected volatility is based on implied volatilities from traded options on the Company's stock, historical volatility of the Company's stock and other factors.3 The risk-free interest rate for the period matching the expected term of the option is based on the U. S.  Treasury yield curve in effect at the time of the grant.4 The expected term of the stock options represents the period of time that options granted are expected to be outstanding and is derived by analyzing historical exercise behavior.
Generally, stock options granted from 1999 through July 2003 expire 15 years from the date of grant, and stock options granted in December 2003 and thereafter expire 10 years from the date of grant.
The shares of common stock to be issued and/or sold upon exercise of stock options are made available from either authorized and unissued Company common stock or from the Company's treasury shares.
In 2007, the Company began issuing common stock under its stock-based compensation plans from the Company's treasury shares.
REPUBLIC SERVICES, INC.  AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Substantially all of the goodwill and other intangible assets recorded related to the acquisition of Allied are not deductible for tax purposes.
Pro Forma Information The consolidated financial statements presented for Republic include the operating results of Allied from the date of the acquisition.
The following pro forma information is presented assuming the merger had been completed as of January 1, 2007.
The unaudited pro forma information presented below has been prepared for illustrative purposes and is not intended to be indicative of the results of operations that would have actually occurred had the acquisition been consummated at the beginning of the periods presented or of future results of the combined operations (in millions, except share and per share amounts).

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="10">December 31</td></tr><tr><td></td><td colspan="2">2015</td><td colspan="2">2014</td><td colspan="2">2013</td><td colspan="2">2012</td><td colspan="2">2011</td></tr><tr><td>(Dollars in millions)</td><td>Amount</td><td>Percentof Total</td><td>Amount</td><td>Percentof Total</td><td>Amount</td><td>Percentof Total</td><td>Amount</td><td>Percentof Total</td><td>Amount</td><td>Percentof Total</td></tr><tr><td>Allowance for loan and lease losses</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>$1,500</td><td>12.26%</td><td>$2,900</td><td>20.11%</td><td>$4,084</td><td>23.43%</td><td>$7,088</td><td>29.31%</td><td>$7,985</td><td>23.64%</td></tr><tr><td>Home equity</td><td>2,414</td><td>19.73</td><td>3,035</td><td>21.05</td><td>4,434</td><td>25.44</td><td>7,845</td><td>32.45</td><td>13,094</td><td>38.76</td></tr><tr><td>U.S. credit card</td><td>2,927</td><td>23.93</td><td>3,320</td><td>23.03</td><td>3,930</td><td>22.55</td><td>4,718</td><td>19.51</td><td>6,322</td><td>18.71</td></tr><tr><td>Non-U.S. credit card</td><td>274</td><td>2.24</td><td>369</td><td>2.56</td><td>459</td><td>2.63</td><td>600</td><td>2.48</td><td>946</td><td>2.80</td></tr><tr><td>Direct/Indirect consumer</td><td>223</td><td>1.82</td><td>299</td><td>2.07</td><td>417</td><td>2.39</td><td>718</td><td>2.97</td><td>1,153</td><td>3.41</td></tr><tr><td>Other consumer</td><td>47</td><td>0.38</td><td>59</td><td>0.41</td><td>99</td><td>0.58</td><td>104</td><td>0.43</td><td>148</td><td>0.44</td></tr><tr><td>Total consumer</td><td>7,385</td><td>60.36</td><td>9,982</td><td>69.23</td><td>13,423</td><td>77.02</td><td>21,073</td><td>87.15</td><td>29,648</td><td>87.76</td></tr><tr><td>U.S. commercial<sup>-1</sup></td><td>2,964</td><td>24.23</td><td>2,619</td><td>18.16</td><td>2,394</td><td>13.74</td><td>1,885</td><td>7.80</td><td>2,441</td><td>7.23</td></tr><tr><td>Commercial real estate</td><td>967</td><td>7.90</td><td>1,016</td><td>7.05</td><td>917</td><td>5.26</td><td>846</td><td>3.50</td><td>1,349</td><td>3.99</td></tr><tr><td>Commercial lease financing</td><td>164</td><td>1.34</td><td>153</td><td>1.06</td><td>118</td><td>0.68</td><td>78</td><td>0.32</td><td>92</td><td>0.27</td></tr><tr><td>Non-U.S. commercial</td><td>754</td><td>6.17</td><td>649</td><td>4.50</td><td>576</td><td>3.30</td><td>297</td><td>1.23</td><td>253</td><td>0.75</td></tr><tr><td>Total commercial<sup>-2</sup></td><td>4,849</td><td>39.64</td><td>4,437</td><td>30.77</td><td>4,005</td><td>22.98</td><td>3,106</td><td>12.85</td><td>4,135</td><td>12.24</td></tr><tr><td>Allowance for loan and lease losses<sup>-3</sup></td><td>12,234</td><td>100.00%</td><td>14,419</td><td>100.00%</td><td>17,428</td><td>100.00%</td><td>24,179</td><td>100.00%</td><td>33,783</td><td>100.00%</td></tr><tr><td>Reserve for unfunded lending commitments</td><td>646</td><td></td><td>528</td><td></td><td>484</td><td></td><td>513</td><td></td><td>714</td><td></td></tr><tr><td>Allowance for credit losses</td><td>$12,880</td><td></td><td>$14,947</td><td></td><td>$17,912</td><td></td><td>$24,692</td><td></td><td>$34,497</td><td></td></tr></table>
<table><tr><td></td><td colspan="4">December 31, 2015</td></tr><tr><td>(Dollars in millions)</td><td>Due in OneYear or Less</td><td>Due AfterOne YearThroughFive Years</td><td>Due AfterFive Years</td><td>Total</td></tr><tr><td>U.S. commercial</td><td>$74,624</td><td>$149,456</td><td>$43,837</td><td>$267,917</td></tr><tr><td>U.S. commercial real estate</td><td>10,417</td><td>39,495</td><td>3,738</td><td>53,650</td></tr><tr><td>Non-U.S. and other<sup>-3</sup></td><td>64,078</td><td>27,646</td><td>6,171</td><td>97,895</td></tr><tr><td>Total selected loans</td><td>$149,119</td><td>$216,597</td><td>$53,746</td><td>$419,462</td></tr><tr><td>Percent of total</td><td>36%</td><td>51%</td><td>13%</td><td>100%</td></tr><tr><td>Sensitivity of selected loans to changes in interest rates for loans due after one year:</td><td></td><td></td><td></td><td></td></tr><tr><td>Fixed interest rates</td><td></td><td>$16,216</td><td>$27,338</td><td></td></tr><tr><td>Floating or adjustable interest rates</td><td></td><td>200,381</td><td>26,408</td><td></td></tr><tr><td>Total</td><td></td><td>$216,597</td><td>$53,746</td><td></td></tr></table>
<table><tr><td></td><td>2016</td><td>2015</td><td>2014</td></tr><tr><td>Fair value of stock options at grant date</td><td>$4.17</td><td>$4.38</td><td>$3.91</td></tr><tr><td>Dividend yield<sup>1</sup></td><td>3.2%</td><td>3.1%</td><td>2.7%</td></tr><tr><td>Expected volatility<sup>2</sup></td><td>16.0%</td><td>16.0%</td><td>16.0%</td></tr><tr><td>Risk-free interest rate<sup>3</sup></td><td>1.5%</td><td>1.8%</td><td>1.6%</td></tr><tr><td>Expected term of the stock options<sup>4</sup></td><td>6 years</td><td>6 years</td><td>5 years</td></tr></table>

Question: What is the growing rate of Home equity of Amount in Table 0 in the years with the least Dividend yield in Table 2?
Answer: -0.31552
Reasoning program: subtract(3035,4434), divide(#0,4434)