HOLLYFRONTIER CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Continued 88 At December 31, 2017 and 2016, there were $53.8 million and $22.1 million, respectively, of unrecognized tax benefits that, if recognized, would affect our effective tax rate.
We had no unrecognized benefits at December 31, 2015.
Unrecognized tax benefits are adjusted in the period in which new information about a tax position becomes available or the final outcome differs from the amount recorded.
The 2016 and 2017 additions to unrecognized tax benefits relates to claims filed with the IRS on the federal income tax treatment of refundable biodiesel/ethanol blending tax credits for certain prior years.
The issues related to the claims are complex and uncertain, and we cannot conclude that it is more likely than not that we will sustain the claims.
Therefore, no tax benefit has been recognized for the filed claims.
We believe it is reasonably possible that the total amounts of unrecognized tax benefits will significantly increase within 12 months of the reporting date based on additional filings.
We recognize interest and penalties relating to liabilities for unrecognized tax benefits as an element of tax expense.
We have not recorded any penalties related to our uncertain tax positions as we believe that it is more likely than not that there will not be any assessment of penalties.
We are subject to U. S.  and Canadian federal income tax, Oklahoma, Kansas, New Mexico, Iowa, Arizona, Utah, Colorado and Nebraska income tax and to income tax of multiple other state jurisdictions.
We have substantially concluded all state and local income tax matters for tax years through 2012.
Other than the federal claim noted above, we have materially concluded all U. S.  federal income tax matters for tax years through December 31, 2013.
NOTE 15: Stockholders' Equity Shares of our common stock outstanding and activity for the years ended December 31, 2017, 2016 and 2015 are presented below:
## Table 0 ##
(1) Includes 342,073, 147,922 and 151,967 shares, respectively, withheld under the terms of stock-based compensation agreements to provide funds for the payment of payroll and income taxes due at the vesting of share-based awards, as well as other stock repurchases under separate authority from our Board of Directors.
In May 2015, our Board of Directors approved a $1 billion share repurchase program, which replaced all existing share repurchase programs, authorizing us to repurchase common stock in the open market or through privately negotiated transactions.
The timing and amount of stock repurchases will depend on market conditions and corporate, regulatory and other relevant considerations.
This program may be discontinued at any time by the Board of Directors.
As of December 31, 2017, we had remaining authorization to repurchase up to $178.8 million under this stock repurchase program.
In addition, we are authorized by our Board of Directors to repurchase shares in an amount sufficient to offset shares issued under our compensation programs.
During the years ended December 31, 2017, 2016 and 2015, we withheld shares of our common stock from certain employees in the amounts of $15.9 million, $4.7 million and $6.2 million, respectively.
These withholdings were made under the terms of restricted stock and performance share unit agreements upon vesting, at which time, we concurrently made cash payments to fund payroll and income taxes on behalf of officers and employees who elected to have shares withheld from vested amounts to pay such taxes.
Capital Resources On April 23, 2013, we filed a shelf registration statement (the “Shelf”) with the SEC which permitted us to issue an unlimited amount of debt securities.
On April 23, 2013, we issued $1.0 billion of senior notes with tranches maturing in 2023 and 2043.
The 2023 senior notes were issued in an initial aggregate principal amount of $500 million at a 2.25% fixed, annual interest rate and will mature on May 1, 2023.
The 2043 senior notes were issued in an initial aggregate principal amount of $500 million at a 3.625% fixed, annual interest rate and will mature on May 1, 2043.
Interest on the senior notes is payable semi-annually on May 1 and November 1 of each year.
The issuance resulted in gross proceeds before expenses of $998 million.
On October 29, 2015, we issued an additional $1.0 billion of senior notes at a 3.875% fixed, annual interest rate that will mature on November 1, 2045.
Interest on the senior notes is payable semi-annually on May 1 and November 1 of each year.
The issuance resulted in proceeds before expenses of $991 million.
The Shelf expired on April 23, 2016.
We plan to file a new shelf registration statement with the SEC in July 2016.
On August 28, 2015, we entered into a committed credit facility agreement with a syndicate of banks, which provides for up to $2 billion of borrowings.
The facility matures August 28, 2020, with a one year extension option prior to any anniversary of the closing date, provided that in no event shall it extend beyond August 28, 2022.
This facility replaces the prior $1 billion credit facility agreement entered into on November 1, 2011, which would have matured November 1, 2017.
As of and for the periods ended May 31, 2016 and 2015, we had no amounts outstanding under either committed credit facility.
We currently have long-term debt ratings of AA- and A1 from Standard and Poor’s Corporation and Moody’s Investor Services, respectively.
If our longterm debt ratings were to decline, the facility fee and interest rate under our committed credit facility would increase.
Conversely, if our long-term debt rating were to improve, the facility fee and interest rate would decrease.
Changes in our long-term debt rating would not trigger acceleration of maturity of any then-outstanding borrowings or any future borrowings under the committed credit facility.
Under this committed revolving credit facility, we have agreed to various covenants.
These covenants include limits on our disposal of fixed assets, the amount of debt secured by liens we may incur, as well as limits on the indebtedness we can incur relative to our net worth.
In the event we were to have any borrowings outstanding under this facility and failed to meet any covenant, and were unable to obtain a waiver from a majority of the banks in the syndicate, any borrowings would become immediately due and payable.
As of May 31, 2016, we were in full compliance with each of these covenants and believe it is unlikely we will fail to meet any of these covenants in the foreseeable future.
Liquidity is also provided by our $2 billion commercial paper program, which increased $1 billion during the second quarter of fiscal 2016.
During the year ended May 31, 2016, we did not issue commercial paper, and as of May 31, 2016, there were no outstanding borrowings under this program.
Any future issuance of commercial paper or other debt securities during fiscal 2017 will depend on general corporate needs.
We currently have short-term debt ratings of A1+ and P1 from Standard and Poor’s Corporation and Moody’s Investor Services, respectively.
As of May 31, 2016, we had cash, cash equivalents and short-term investments totaling $5.5 billion, of which $4.6 billion was held by our foreign subsidiaries.
Included in Cash and equivalents as of May 31, 2016 was $105 million of cash collateral received from counterparties as a result of hedging activity.
Cash equivalents and Short-term investments consist primarily of deposits held at major banks, money market funds, commercial paper, corporate notes, U. S.  Treasury obligations, U. S.  government sponsored enterprise obligations and other investment grade fixed income securities.
Our fixed income investments are exposed to both credit and interest rate risk.
All of our investments are investment grade to minimize our credit risk.
While individual securities have varying durations, as of May 31, 2016, the weighted average remaining duration of our cash equivalents and short-term investments portfolio was 91 days.
To date we have not experienced difficulty accessing the credit markets or incurred higher interest costs.
Future volatility in the capital markets, however, may increase costs associated with issuing commercial paper or other debt instruments or affect our ability to access those markets.
We believe that existing cash, cash equivalents, short-term investments and cash generated by operations, together with access to external sources of funds as described above, will be sufficient to meet our domestic and foreign capital needs in the foreseeable future.
We utilize a variety of tax planning and financing strategies to manage our worldwide cash and deploy funds to locations where they are needed.
We routinely repatriate a portion of our foreign earnings for which U. S.  taxes have previously been provided.
We also indefinitely reinvest a significant portion of our foreign earnings, and our current plans do not demonstrate a need to repatriate these earnings.
Should we require additional capital in the United States, we may elect to repatriate indefinitely reinvested foreign funds or raise capital in the United States through debt.
If we were to repatriate indefinitely reinvested foreign funds, we would be required to accrue and pay additional U. S.  taxes less applicable foreign tax credits.
If we elect to raise capital in the United States through debt, we would incur additional interest expense.
Off-Balance Sheet Arrangements In connection with various contracts and agreements, we routinely provide indemnification relating to the enforceability of intellectual property rights, coverage for legal issues that arise and other items where we are acting as the guarantor.
Currently, we have several such agreements in place.
However, based on our historical experience and the estimated probability of future loss, we have determined that the fair value of such indemnification is not material to our financial position or results of operations.
Contractual Obligations Our significant long-term contractual obligations as of May 31, 2016 and significant endorsement contracts, including related marketing commitments, entered into through the date of this report are as follows:
## Table 1 ##
(1) The cash payments due for long-term debt include estimated interest payments.
Estimates of interest payments are based on outstanding principal amounts, applicable fixed interest rates or currently effective interest rates as of May 31, 2016 (if variable), timing of scheduled payments and the term of the debt obligations.
Non-Performing Assets
## Table 2 ##
(1) Reported net of government guarantees totaling $17.6 million, $19.4 million, $9.7 million, $12.1 million and $9.4 million at December 31, 2014, 2013, 2012, 2011 and 2010, respectively.
These government guarantees relate, almost entirely, to guarantees provided by the Small Business Administration as well as selected other Federal agencies and represent the carrying value of the loans that are covered by such guarantees, the extent of which (i. e.  full or partial) varies by loan.
At December 31, 2014, the principal loan classes to which these government guarantees relate are commercial and industrial loans (99%) and commercial real estate loans (1%).
The preceding table excludes acquired loans that are (i) accounted for as purchased credit impaired loans or (ii) covered by an FDIC loss-share agreement (“LSA”) totaling: $101.6 million and $3.0 million, respectively, at December 31, 2014; $138.0 million and $4.5 million, respectively, at December 31, 2013; $173.6 million and $8.0 million, respectively, at December 31, 2012; $235.2 million and $13.8 million, respectively, at December 31, 2011; and $341.4 million and $18.4 million, respectively, at December 31, 2010.
Such loans otherwise meet People’s United’s definition of a non-performing loan but are excluded because the loans are included in loan pools that are considered performing and/or credit losses are covered by an FDIC LSA.
The discounts arising from recording these loans at fair value were due, in part, to credit quality.
The acquired loans are generally accounted for on a pool basis and the accretable yield on the pools is being recognized as interest income over the life of the loans based on expected cash flows at the pool level.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="3">Years Ended December 31,</td></tr><tr><td></td><td>2017</td><td>2016</td><td>2015</td></tr><tr><td>Common shares outstanding at January 1</td><td>177,345,266</td><td>180,234,388</td><td>196,086,090</td></tr><tr><td>Issuance of restricted stock, excluding restricted stock with performance feature</td><td>55,626</td><td>870,378</td><td>447,534</td></tr><tr><td>Vesting of performance units</td><td>138,374</td><td>76,404</td><td>136,896</td></tr><tr><td>Vesting of restricted stock with performance feature</td><td>350,063</td><td>40,294</td><td>43,774</td></tr><tr><td>Forfeitures of restricted stock</td><td>-139,634</td><td>-16,795</td><td>-51,332</td></tr><tr><td>Purchase of treasury stock<sup>-1</sup></td><td>-342,073</td><td>-3,859,403</td><td>-16,428,574</td></tr><tr><td>Common shares outstanding at December 31</td><td>177,407,622</td><td>177,345,266</td><td>180,234,388</td></tr></table>
<table><tr><td>Description of Commitment</td><td>Cash Payments Due During the Year Ending May 31,</td></tr><tr><td>(In millions)</td><td>2017</td><td>2018</td><td>2019</td><td>2020</td><td>2021</td><td>Thereafter</td><td>Total</td></tr><tr><td>Operating Leases</td><td>$491</td><td>$453</td><td>$395</td><td>$347</td><td>$301</td><td>$1,244</td><td>$3,231</td></tr><tr><td>Capital Leases</td><td>7</td><td>5</td><td>2</td><td>1</td><td>—</td><td>—</td><td>15</td></tr><tr><td>Long-Term Debt<sup>-1</sup></td><td>115</td><td>75</td><td>74</td><td>74</td><td>71</td><td>3,365</td><td>3,774</td></tr><tr><td>Endorsement Contracts<sup>-2</sup></td><td>1,198</td><td>1,238</td><td>945</td><td>827</td><td>698</td><td>4,514</td><td>9,420</td></tr><tr><td>Product Purchase Obligations<sup>-3</sup></td><td>4,149</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>4,149</td></tr><tr><td>Other Purchase Obligations<sup>-4</sup></td><td>384</td><td>118</td><td>90</td><td>48</td><td>42</td><td>90</td><td>772</td></tr><tr><td>TOTAL</td><td>$6,344</td><td>$1,889</td><td>$1,506</td><td>$1,297</td><td>$1,112</td><td>$9,213</td><td>$21,361</td></tr></table>
<table><tr><td>As of December 31 (dollars in millions)</td><td>2014</td><td>2013</td><td>2012</td><td>2011</td><td>2010</td></tr><tr><td>Originated non-performing loans:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial real estate</td><td>$60.2</td><td>$70.8</td><td>$84.4</td><td>$106.7</td><td>$82.5</td></tr><tr><td>Commercial and industrial</td><td>55.8</td><td>43.8</td><td>54.8</td><td>59.2</td><td>38.2</td></tr><tr><td>Equipment financing</td><td>25.4</td><td>23.2</td><td>27.2</td><td>42.9</td><td>36.0</td></tr><tr><td>Total</td><td>141.4</td><td>137.8</td><td>166.4</td><td>208.8</td><td>156.7</td></tr><tr><td>Retail:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>37.6</td><td>58.9</td><td>65.0</td><td>68.9</td><td>78.8</td></tr><tr><td>Home equity</td><td>17.9</td><td>19.8</td><td>21.0</td><td>15.8</td><td>9.1</td></tr><tr><td>Other consumer</td><td>0.1</td><td>0.1</td><td>0.3</td><td>0.3</td><td>0.6</td></tr><tr><td>Total</td><td>55.6</td><td>78.8</td><td>86.3</td><td>85.0</td><td>88.5</td></tr><tr><td>Total originated non-performing loans -1</td><td>197.0</td><td>216.6</td><td>252.7</td><td>293.8</td><td>245.2</td></tr><tr><td>REO:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential</td><td>13.6</td><td>13.6</td><td>17.2</td><td>10.9</td><td>21.3</td></tr><tr><td>Commercial</td><td>11.0</td><td>13.1</td><td>11.4</td><td>15.9</td><td>18.5</td></tr><tr><td>Total REO</td><td>24.6</td><td>26.7</td><td>28.6</td><td>26.8</td><td>39.8</td></tr><tr><td>Repossessed assets</td><td>2.5</td><td>4.5</td><td>8.3</td><td>16.1</td><td>18.1</td></tr><tr><td>Total non-performing assets</td><td>$224.1</td><td>$247.8</td><td>$289.6</td><td>$336.7</td><td>$303.1</td></tr><tr><td>Originated non-performing loans as a percentage oforiginated loans</td><td>0.77%</td><td>0.95%</td><td>1.30%</td><td>1.75%</td><td>1.70%</td></tr><tr><td>Non-performing assets as a percentage of:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Originated loans, REO and repossessed assets</td><td>0.88</td><td>1.08</td><td>1.48</td><td>2.00</td><td>2.10</td></tr><tr><td>Tangible stockholders’ equity andoriginated allowance for loan losses</td><td>8.24</td><td>9.47</td><td>9.45</td><td>10.47</td><td>8.85</td></tr></table>

Question: What is the growing rate of Residential mortgage in the year with the most Commercial and industrial?
Answer: -0.14369
Reasoning program: subtract(68.9,78.8), divide(#0,68.9)