Protection The following table presents the results of operations of our Protection segment on an operating basis:
## Table 0 ##
Our Protection segment pretax operating income, which excludes net realized investment gains or losses (net of the related DAC amortization, unearned revenue amortization and the reinsurance accrual) and the market impact on indexed universal life benefits (net of hedges and the related DAC amortization, unearned revenue amortization and the reinsurance accrual), decreased $63 million, or 26%, to $183 million for the year ended December 31, 2015 compared to $246 million for the prior year primarily reflecting an increase in the provision for estimated losses for our auto and home business and higher life and LTC insurance claims, partially offset by higher auto and home premiums.
During 2015, we conducted a review of our LTC reserve for unpaid amounts on reported claims based on additional information we received from Genworth Financial, Inc. , which reinsures 50% of our LTC business and administers all of our claims.
Based on this information, along with a review of the discount rate, management’s best estimate for LTC claims reserves resulted in a net $14 million increase.
The most significant drivers of the reserve increase were updates to the benefit utilization rates and claims termination rates, partially offset by a $15 million benefit from a higher discount rate.
We also increased the discount rate for our disability income (‘‘DI’’) reserve for unpaid amounts on reported claims, which resulted in a $7 million reserve decrease.
In addition, results for 2015 included an $11 million unfavorable impact related to a reinsurance premium correction, a $13 million favorable impact related to a LTC future loss reserve adjustment and a $28 million favorable impact from updating future experience assumptions relating to life rider benefits.
Net Revenues Net revenues, which exclude net realized investment gains or losses (net of unearned revenue amortization and the reinsurance accrual) and the unearned revenue amortization and the reinsurance accrual offset to the market impact on indexed universal life benefits, increased $97 million, or 4%, to $2.4 billion for the year ended December 31, 2015 compared to $2.3 billion for the prior year primarily due to an increase in premiums.
Net investment income, which excludes net realized investment gains or losses, increased $21 million, or 5%, to $468 million for the year ended December 31, 2015 compared to $447 million for the prior year driven by higher average invested assets.
Premiums increased $71 million, or 5%, to $1.4 billion for the year ended December 31, 2015 compared to $1.3 billion for the prior year primarily due to a 3% increase in auto and home policies in force.
Other revenues, which exclude the unearned revenue amortization and the reinsurance accrual offset to the market impact on indexed universal life benefits and the unearned revenue amortization and the reinsurance accrual offset to net realized investment gains or losses, increased $4 million, or 1%, to $401 million for the year ended December 31, 2015 compared to $397 million for the prior year due to the impact of unlocking, partially offset by a $9 million unfavorable impact related to a reinsurance premium correction.
Other revenues for the year ended December 31, 2015 included a $5 million negative impact from unlocking compared to a $29 million negative impact in the prior year.
The primary driver
On September 20, 2017, Hurricane Maria struck Puerto Rico as a Category 4 hurricane which resulted in widespread damage, flooding, and power outages.
The Company has interests in seven operating properties located throughout Puerto Rico, aggregating 2.2 million square feet of GLA, which were variously impacted by the hurricane.
The Company maintains a comprehensive property insurance policy on these properties with total coverage of up to $62.0 million, as well as business interruption insurance with coverage up to $39.3 million in the aggregate, subject to a collective deductible of $1.2 million.
The Company expects to collect property insurance proceeds (net of deductible) equal to the replacement cost of its damaged property, currently estimated to be approximately $30.3 million.
As of December 31, 2018, the Company has collected property insurance proceeds totaling $20.2 million to date, which exceeds the $16.0 million previously written off due to property damage by $4.2 million.
As a result, the Company recognized this excess as income included in Other income, net on the Company’s Consolidated Statements of Income for the year ended December 31, 2018.
The Company’s business interruption insurance covers lost revenues as a result of the hurricane for a period of up to one year.
After the expiration of one year following the loss, the policy has 365 days of an extended period of indemnity which provides business interruption coverage in the event the properties have not fully recovered from the storm.
During 2018 and 2017, the Company collected business interruption claims totaling $2.8 million and $1.6 million, respectively, from its insurance provider.
Although the Company has primarily recovered its business interruption insurance claims, it will continue to assess and process any future business interruption claims for the extended period of indemnity and will submit insurance claims for its losses, if any, under its business interruption insurance policy.
Income Taxes – The Company is subject to taxes on its activities in Canada, Puerto Rico and Mexico.
In general, under local country law applicable to the structures the Company has in place and applicable treaties, the repatriation of cash to the Company from its subsidiaries and joint ventures in Canada, Puerto Rico and Mexico generally are not subject to withholding tax.
The Company is subject to and also includes in its tax provision non-U.
S.  income taxes on certain investments located in jurisdictions outside the U. S.  These investments are held by the Company at the REIT level and not in the Company’s taxable REIT subsidiary.
Accordingly, the Company does not expect a U. S.  income tax impact associated with the repatriation of undistributed earnings from the Company’s foreign subsidiaries.
Contractual Obligations and Other Commitments The Company has debt obligations relating to its Credit Facility, unsecured senior notes and mortgages with maturities ranging from one year to 29 years.
As of December 31, 2018, the Company’s total debt had a weighted average term to maturity of 10.5 years.
In addition, the Company has non-cancelable operating leases pertaining to its shopping center portfolio.
As of December 31, 2018, the Company had 31 consolidated shopping center properties that are subject to long-term ground leases where a third party owns and has leased the underlying land to the Company to construct and/or operate a shopping center.
The following table summarizes the Company’s debt maturities (excluding extension options, unamortized debt issuance costs of $55.9 million and fair market value of debt adjustments aggregating $13.1 million) and obligations under non-cancelable operating leases as of December 31, 2018:
## Table 1 ##
(1) Maturities utilized do not reflect extension options, which range from six months to one year.
(2) For loans which have interest at floating rates, future interest expense was calculated using the rate as of December 31, 2018.
(3) For leases which have inflationary increases, future ground rent expense was calculated using the rent based upon initial lease payment.
The Company has no secured debt scheduled to mature in 2019.
The Company anticipates satisfying the remaining future maturities with a combination of operating cash flows, its Credit Facility, exercise of extension options, where available, and new debt issuances.
The Company has issued letters of credit in connection with completion and repayment guarantees for loans encumbering certain of the Company’s development and redevelopment projects and guarantee of payment related to the Company’s insurance program.
As of December 31, 2018, these letters of credit aggregated $41.8 million.
In connection with the construction of its development/redevelopment projects and related infrastructure, certain public agencies require posting of performance and surety bonds to guarantee that the Company’s obligations are satisfied.
These bonds expire upon
2011 Financial Statements and Related Information The following table summarizes the net sales by product grouping for the years ended December 31, (in millions):
## Table 2 ##
Footnote 20 LITIGATION AND CONTINGENCIES The Company is involved in legal proceedings in the ordinary course of its business.
These proceedings include claims for damages arising out of use of the Company’s products, allegations of infringement of intellectual property, commercial disputes and employment matters, as well as environmental matters.
Some of the legal proceedings include claims for punitive as well as compensatory damages, and certain proceedings may purport to be class actions.
The Company, using current product sales data and historical trends, actuarially calculates the estimate of its exposure for product liability.
The Company has product liability reserves of $39.7 million and $42.3 million as of December 31, 2011 and 2010, respectively.
The Company is insured for product liability claims for amounts in excess of established deductibles and accrues for the estimated liability as described up to the limits of the deductibles.
All other claims and lawsuits are handled on a case-by-case basis.
The Company is currently a party to two purported state class actions and one purported national Canadian class action.
The cases include allegations that a certain model car seat sold by an affiliate of the Company did not satisfy all requisite government safety standards.
The Company is vigorously defending all three actions.
In July 2007, the Company acquired all of the outstanding equity interests of PSI Systems, Inc.  (“Endicia”), provider of DYMO|Endicia Internet Postage.
Endicia was party to a lawsuit against it alleging patent infringement which was filed on November 22, 2006 in the U. S.  District Court for the Central District of California.
In this case, Stamps.
com sought unspecified damages, attorneys’ fees and injunctive relief in order to prevent Endicia from continuing to engage in activities that are alleged to infringe on Stamps.
com’s patents.
In 2010, the Court entered judgment in favor of the Company terminating the action on summary judgment, and on June 15, 2011, the U. S.  Court of Appeals for the Federal Circuit affirmed that judgment.
Stamps.
com’s petition for a rehearing before the Federal Circuit panel was denied, and Stamps.
com has no further right of appeal.
A separate case, in which Endicia and Stamps.
com each claim infringement of different patents, remains pending in the same trial court as the first proceeding and is scheduled to commence trial in March 2012.
There can be no assurance the Company will be successful in defending itself in this matter.
The City of Sao Paulo’s Green and Environmental Office (the “Sao Paulo G&E Office”) is seeking fines of up to approximately $4.0 million related to alleged improper storage of hazardous materials at the Company’s tool manufacturing facility located in Sao Paulo, Brazil.
The Company has obtained a stay of enforcement of a notice of fine due October 1, 2009 issued by the Sao Paulo G&E Office.
The Company plans to continue to contest the fines.
The Company (through two of its affiliates) has been involved in litigation originally filed in June 2008 in the U. S.  District Court for the Western District of North Carolina with Worthington Industries, Inc.  (“Worthington”) over breach of a supply contract and price increases levied by Worthington after having wrongfully terminated the contract prior to its expiration.
In February 2010, a jury determined that Worthington: (a) breached the supply agreement; (b) illegally traded upon the goodwill of the Company; and (c) committed deceptive trade practices in violation of relevant laws.
The jury awarded damages of $13.0 million to the Company, and the Company was subsequently awarded an additional $2.8 million in pre-judgment interest and attorneys’ fees.
In conjunction with the sale of the Company’s hand torch and solder business to Worthington, the parties agreed to settle all claims.
See Footnote 2 for further details.
As of December 31, 2011, the Company was involved in various matters concerning federal and state environmental laws and regulations, including matters in which the Company has been identified by the U. S.  Environmental Protection Agency and certain state environmental agencies as a potentially responsible party (“PRP”) at contaminated sites under the Federal Comprehensive Environmental Response, Compensation and Liability Act (“CERCLA”) and equivalent state laws.
In assessing its environmental response costs, the Company has considered several factors, including the extent of the Company’s volumetric contribution at each site relative to that of other PRPs; the kind of waste; the terms of existing cost sharing and other applicable agreements; the financial ability of other PRPs to share in the payment of requisite costs; the Company’s prior experience with similar sites; environmental studies and cost estimates available to the Company; the effects of inflation on cost estimates; and the extent to which the Company’s, and other parties’, status as PRPs is disputed.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td></td><td></td></tr><tr><td></td><td>2015</td><td>2014</td><td colspan="2">Change</td></tr><tr><td></td><td colspan="3">(in millions)</td><td></td></tr><tr><td>Revenues</td><td></td><td></td><td></td><td></td></tr><tr><td>Management and financial advice fees</td><td>$55</td><td>$59</td><td>$-4</td><td>-7%</td></tr><tr><td>Distribution fees</td><td>97</td><td>92</td><td>5</td><td>5</td></tr><tr><td>Net investment income</td><td>468</td><td>447</td><td>21</td><td>5</td></tr><tr><td>Premiums</td><td>1,363</td><td>1,292</td><td>71</td><td>5</td></tr><tr><td>Other revenues</td><td>401</td><td>397</td><td>4</td><td>1</td></tr><tr><td>Total revenues</td><td>2,384</td><td>2,287</td><td>97</td><td>4</td></tr><tr><td>Banking and deposit interest expense</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total net revenues</td><td>2,384</td><td>2,287</td><td>97</td><td>4</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>59</td><td>61</td><td>-2</td><td>-3</td></tr><tr><td>Interest credited to fixed accounts</td><td>164</td><td>153</td><td>11</td><td>7</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>1,538</td><td>1,416</td><td>122</td><td>9</td></tr><tr><td>Amortization of deferred acquisition costs</td><td>155</td><td>135</td><td>20</td><td>15</td></tr><tr><td>Interest and debt expense</td><td>32</td><td>28</td><td>4</td><td>14</td></tr><tr><td>General and administrative expense</td><td>253</td><td>248</td><td>5</td><td>2</td></tr><tr><td>Total expenses</td><td>2,201</td><td>2,041</td><td>160</td><td>8</td></tr><tr><td>Operating earnings</td><td>$183</td><td>$246</td><td>$-63</td><td>-26%</td></tr></table>
<table><tr><td></td><td colspan="6">   Payments due by period (in millions)</td><td></td></tr><tr><td></td><td>   201 9</td><td>   20 20</td><td>   20 21</td><td>   20 22</td><td>   20 23</td><td>   Thereafter</td><td>   Total</td></tr><tr><td>Long-Term Debt:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Principal -1</td><td>$12.7</td><td>$160.3</td><td>$729.8</td><td>$640.1</td><td>$365.5</td><td>$3,008.3</td><td>$4,916.7</td></tr><tr><td>Interest -2</td><td>$177.9</td><td>$175.0</td><td>$155.0</td><td>$136.6</td><td>$113.1</td><td>$1,260.3</td><td>$2,017.9</td></tr><tr><td>Operating Leases:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Ground Leases -3</td><td>$7.9</td><td>$7.5</td><td>$7.5</td><td>$7.4</td><td>$7.5</td><td>$115.4</td><td>$153.2</td></tr><tr><td>Office Leases</td><td>$4.3</td><td>$2.4</td><td>$2.3</td><td>$1.8</td><td>$1.5</td><td>$0.3</td><td>$12.6</td></tr></table>
<table><tr><td></td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td>Home & Family<sup>-1</sup></td><td></td><td></td><td></td></tr><tr><td>Rubbermaid Consumer</td><td>$827.2</td><td>$819.7</td><td>$847.7</td></tr><tr><td>Baby & Parenting</td><td>680.4</td><td>700.2</td><td>703.6</td></tr><tr><td>Décor</td><td>464.8</td><td>458.8</td><td>450.9</td></tr><tr><td>Other</td><td>418.1</td><td>399.7</td><td>375.0</td></tr><tr><td></td><td>2,390.5</td><td>2,378.4</td><td>2,377.2</td></tr><tr><td>Office Products<sup>-1</sup></td><td>1,778.8</td><td>1,708.9</td><td>1,674.7</td></tr><tr><td>Tools, Hardware & Commercial Products<sup>-1</sup></td><td>1,695.3</td><td>1,570.9</td><td>1,431.5</td></tr><tr><td></td><td>$5,864.6</td><td>$5,658.2</td><td>$5,483.4</td></tr></table>

Question: What is the growing rate of Total expenses in the years with the least Total net revenues?
Answer: 0.07839
Reasoning program: subtract(2201,2041), divide(#0,2041)