The deferred premium associated with certain of the above options is paid or received semi-annually over the life of the option contract.
The following is a summary of the payments the Company is scheduled to make and receive for these options:
## Table 0 ##
Actual timing and payment amounts may differ due to future contract settlements, modifications or exercises of options prior to the full premium being paid or received.
EIA, IUL and stock market certificate products have returns tied to the performance of equity markets.
As a result of fluctuations in equity markets, the obligation incurred by the Company related to EIA, IUL and stock market certificate products will positively or negatively impact earnings over the life of these products.
As a means of economically hedging its obligations under the provisions of these products, the Company enters into index options and futures contracts.
The gross notional amount of these derivative contracts was $1.3 billion at both December 31, 2012 and 2011.
The Company enters into forward contracts, futures, total return swaps and commodity swaps to manage its exposure to price risk arising from seed money investments in proprietary investment products.
The gross notional amount of these contracts was $146 million and $123 million at December 31, 2012 and 2011, respectively.
The Company enters into foreign currency forward contracts to economically hedge its exposure to certain receivables and obligations denominated in non-functional currencies.
The gross notional amount of these contracts was $14 million and $26 million at December 31, 2012 and 2011, respectively.
In 2010, the Company entered into a total return swap to economically hedge its exposure to equity price risk of Ameriprise Financial, Inc.  common stock granted as part of its Ameriprise Financial Franchise Advisor Deferred Compensation Plan (‘‘Franchise Advisor Deferral Plan’’).
The Company previously extended the contract through 2011 and 2012.
On December 31, 2012, the Company settled the contract for the difference between the value of the economically hedged shares at the contract date and the value of those shares at December 31, 2012.
The gross notional value of this contract was $17 million at December 31, 2011.
In the third quarter of 2012, the Company entered into interest rate swaps to manage interest rate risk related to transitioning its federal savings bank subsidiary to a limited powers national trust bank.
The contracts were unwound during the fourth quarter.
Embedded Derivatives Certain annuities contain GMAB and non-life contingent GMWB provisions, which are considered embedded derivatives.
In addition, the equity component of the EIA, IUL and stock market certificate product obligations are also considered embedded derivatives.
These embedded derivatives are bifurcated from their host contracts and reported on the Consolidated Balance Sheets at fair value with changes in fair value reported in earnings.
As discussed above, the Company uses derivatives to mitigate the financial statement impact of these embedded derivatives.
Cash Flow Hedges The Company has designated and accounts for the following as cash flow hedges: (i) interest rate swaps to hedge interest rate exposure on debt, (ii) interest rate lock agreements to hedge interest rate exposure on debt issuances and (iii) swaptions used to hedge the risk of increasing interest rates on forecasted fixed premium product sales.
The Company previously designated and accounted for as cash flow hedges interest rate swaps to hedge certain asset-based distribution fees.
During the years ended December 31, 2012 and 2011, the Company reclassified gains from accumulated other comprehensive income into earnings of $3 million and $27 million, respectively, on interest rate hedges put in place in anticipation of issuing debt.
The gains were reclassified due to the forecasted transactions not occurring according to the original hedge strategy.
For the years ended December 31, 2012, 2011 and 2010, amounts recognized in earnings related to cash flow hedges due to ineffectiveness were $1 million, nil and nil, respectively.
The estimated net amount of existing pretax losses as of December 31, 2012 that the Company expects to reclassify to earnings within the next twelve months is $1 million, which consists of $5 million of pretax gains to be recorded as a reduction to interest and debt expense and $6 million of pretax losses to be recorded in net investment income.
The following tables present the impact of the effective portion of the Company’s cash flow hedges on the Consolidated Statements of Operations and the Consolidated Statements of Equity for the years ended December 31:
24.
Discontinued Operations During the fourth quarter of 2011, the Company sold Securities America to Ladenburg Thalmann Financial Services, Inc.
The components of loss from discontinued operations, net of tax, were as follows for the years ended December 31:
## Table 1 ##
25.
Segment Information The Company’s segments are Advice & Wealth Management, Asset Management, Annuities, Protection and Corporate & Other.
The prior period results for the Protection and Annuities segments have been recast due to the Company’s adoption of the new accounting standard for DAC as discussed in Note 1 and Note 3.
The largest source of intersegment revenues and expenses is retail distribution services, where segments are charged transfer pricing rates that approximate arm’s length market prices for distribution through the Advice & Wealth Management segment.
The Advice & Wealth Management segment provides distribution services for affiliated and non-affiliated products and services.
The Asset Management segment provides investment management services for the Company’s owned assets and client assets, and accordingly charges investment and advisory management fees to the other segments.
All costs related to shared services are allocated to the segments based on a rate times volume or fixed basis.
The Advice & Wealth Management segment provides financial planning and advice, as well as full-service brokerage services, primarily to retail clients through the Company’s advisors.
The Company’s advisors have access to a diversified selection of both affiliated and non-affiliated products to help clients meet their financial needs.
A significant portion of revenues in this segment is fee-based, driven by the level of client assets, which is impacted by both market movements and net asset flows.
The Company also earns net investment income on invested assets primarily from certificate products.
This segment earns revenues (distribution fees) for distributing non-affiliated products and earns intersegment revenues (distribution fees) for distributing the Company’s affiliated products and services provided to its retail clients.
Intersegment expenses for this segment include expenses for investment management services provided by the Asset Management segment.
In January 2013, the Company completed the conversion of Ameriprise Bank to Ameriprise National Trust Bank.
As a result of the conversion, Ameriprise National Trust Bank is no longer engaged in deposit-taking and credit-originating activities.
In 2012, all banking deposits were liquidated and returned to clients, Ameriprise Bank’s consumer loan portfolio was sold to affiliates of Ameriprise Bank and Ameriprise Bank’s credit card account portfolio was sold to Barclays.
The Asset Management segment provides investment advice and investment products to retail, high net worth and institutional clients.
Such products and services are provided on a global scale through two complementary asset management businesses: Columbia Management Investment Advisers, LLC (‘‘Columbia’’ or ‘‘Columbia Management’’) and Threadneedle.
Columbia Management primarily provides U. S.  domestic products and services and Threadneedle primarily provides international investment products and services.
Columbia provides clients with U. S.  domestic individual products through unaffiliated third party financial institutions and through the Advice & Wealth Management segment.
Threadneedle provides institutional products and services through the Company’s institutional sales force.
International retail products are primarily distributed through third-party institutions.
Individual products include mutual funds, exchange-traded funds and variable product funds underlying insurance and annuity separate accounts.
Institutional asset management services are designed to meet specific client objectives and may involve a range of products, including those that focus on traditional asset classes, separately managed accounts, individually managed accounts, collateralized loan obligations, hedge funds, collective funds and property funds.
Collateralized loan obligations and hedge funds are classified as alternative assets.
Revenues in this segment are primarily earned as fees based on managed asset balances, which are impacted by market movements, net asset flows, asset allocation and product mix.
The Company may also earn performance fees from certain accounts where investment performance meets or exceeds certain pre-identified targets.
In addition to the products and services provided to third-party clients, management teams serving the Asset Management segment provide all intercompany asset management services for Ameriprise Financial subsidiaries.
The fees for all such services are reflected within the Asset Management segment results through intersegment transfer pricing.
Intersegment expenses for this
The following table presents summary financial information by segment:
## Table 2 ##
The following table presents the segment pretax operating impacts on our revenues and expenses attributable to unlocking and model changes:
## Table 3 ##
The operating impact of unlocking and model changes for 2012 included a $43 million benefit, net of DAC and DSIC amortization, from an adjustment to the model which values the reserves related to living benefit guarantees primarily attributable to prior periods.
Advice & Wealth Management Our Advice & Wealth Management segment provides financial planning and advice, as well as full-service brokerage services, primarily to retail clients through our advisors.
Our advisors have access to a diversified selection of both affiliated and non-affiliated products to help clients meet their financial needs.
A significant portion of revenues in this segment is fee-based, driven by the level of client assets, which is impacted by both market movements and net asset flows.
We also earn net investment income on invested assets primarily from certificate products.
This segment earns revenues (distribution fees) for distributing non-affiliated products and earns intersegment revenues (distribution fees) for distributing our affiliated products and services to our retail clients.
Intersegment expenses for this segment include expenses for investment management services provided by the Asset Management segment.
In addition to purchases of affiliated and non-affiliated mutual funds and other securities on a stand-alone basis, clients may purchase mutual funds, among other securities, in connection with investment advisory fee-based ‘‘wrap account’’ programs or services, and pay fees based on a percentage of their assets.
Additional information regarding these and other accounting pronouncements is included in Note 1 to the Consolidated Financial Statements.
FINANCIAL CONDITION AND LIQUIDITY The Company generates significant ongoing cash flow.
Net debt decreased significantly in 2004, but increased in 2005, primarily related to the $1.36 billion CUNO acquisition.

Tables referenced above, in order (Table 0 first):
<table><tr><td> </td><td> Premiums Payable</td><td> Premiums Receivable</td></tr><tr><td> </td><td colspan="2"> (in millions) </td></tr><tr><td>2013</td><td>$373</td><td>$57</td></tr><tr><td>2014</td><td>348</td><td>55</td></tr><tr><td>2015</td><td>320</td><td>54</td></tr><tr><td>2016</td><td>289</td><td>46</td></tr><tr><td>2017</td><td>238</td><td>41</td></tr><tr><td>2018-2027</td><td>785</td><td>104</td></tr></table>
<table><tr><td></td><td>2012</td><td>2011</td><td>2010</td></tr><tr><td></td><td colspan="3">(in millions)</td></tr><tr><td>Total net revenues</td><td>$—</td><td>$382</td><td>$467</td></tr><tr><td>Income (loss) from discontinued operations</td><td>$2</td><td>$-124</td><td>$-40</td></tr><tr><td>Gain on sale</td><td>-7</td><td>26</td><td>—</td></tr><tr><td>Income tax benefit</td><td>-3</td><td>-38</td><td>-16</td></tr><tr><td>Loss from discontinued operations, net of tax</td><td>$-2</td><td>$-60</td><td>$-24</td></tr></table>
<table><tr><td> </td><td colspan="2">Years Ended December 31,</td></tr><tr><td> </td><td>2012</td><td>2011</td></tr><tr><td> </td><td colspan="2">(in millions)</td></tr><tr><td> Advice & Wealth Management</td><td></td><td></td></tr><tr><td>Net revenues</td><td>$3,873</td><td>$3,713</td></tr><tr><td>Expenses</td><td>3,430</td><td>3,307</td></tr><tr><td>Operating earnings</td><td>$443</td><td>$406</td></tr><tr><td> Asset Management</td><td></td><td></td></tr><tr><td>Net revenues</td><td>$2,891</td><td>$2,897</td></tr><tr><td>Expenses</td><td>2,334</td><td>2,369</td></tr><tr><td>Operating earnings</td><td>$557</td><td>$528</td></tr><tr><td> Annuities</td><td></td><td></td></tr><tr><td>Net revenues</td><td>$2,524</td><td>$2,630</td></tr><tr><td>Expenses</td><td>1,957</td><td>2,005</td></tr><tr><td>Operating earnings</td><td>$567</td><td>$625</td></tr><tr><td> Protection</td><td></td><td></td></tr><tr><td>Net revenues</td><td>$2,088</td><td>$2,069</td></tr><tr><td>Expenses</td><td>1,690</td><td>1,683</td></tr><tr><td>Operating earnings</td><td>$398</td><td>$386</td></tr><tr><td> Corporate & Other</td><td></td><td></td></tr><tr><td>Net revenues</td><td>$20</td><td>$3</td></tr><tr><td>Expenses</td><td>290</td><td>244</td></tr><tr><td>Operating loss</td><td>$-270</td><td>$-241</td></tr></table>
<table><tr><td> </td><td colspan="4">Years Ended December 31,</td></tr><tr><td> </td><td colspan="2">2012</td><td colspan="2">2011</td></tr><tr><td> Segment Pretax Operating Increase (Decrease)</td><td>Annuities</td><td>Protection</td><td>Annuities</td><td>Protection</td></tr><tr><td> </td><td colspan="4">(in millions)</td></tr><tr><td>Other revenues</td><td>$—</td><td>$-41</td><td>$—</td><td>$-20</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>-32</td><td>-14</td><td>-40</td><td>-4</td></tr><tr><td>Amortization of DAC</td><td>41</td><td>-14</td><td>39</td><td>-1</td></tr><tr><td>Interest credited to fixed accounts</td><td>2</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total expenses</td><td>11</td><td>-28</td><td>-1</td><td>-5</td></tr><tr><td>Total</td><td>$-11</td><td>$-13</td><td>$1</td><td>$-15</td></tr></table>

Question: If Amortization of DAC of Annuities' Segment Pretax Operating develops with the same growth rate in 2012, what will it reach in 2013? (in million)
Answer: 43.1026
Reasoning program: subtract(41,39), multiply(41,#0), divide(#1,39), add(41,#2)