The guidelines also indicate which investments and strategies the manager is permitted to use to achieve its performance objectives, and which investments and strategies it is prohibited from using.
Where public market investment strategies may include the use of derivatives and/or currency management, language is incorporated in the managers’ guidelines to define allowable and prohibited transactions and/or strategies.
Derivatives are typically employed by investment managers to modify risk/ return characteristics of their portfolio(s), implement asset allocation changes in a cost-effective manner, or reduce transaction costs.
Under the managers’ investment guidelines, derivatives may not be used solely for speculation or leverage.
Derivatives are used only in circumstances where they offer the most efficient economic means of improving the risk/ reward profile of the portfolio.
BlackRock, PFPC and our Retail Banking business segments receive compensation for providing investment management, trustee and custodial services for the majority of the Trust portfolio.
Compensation for such services is paid by PNC.
Non-affiliate service providers for the Trust are compensated from plan assets.
The following table provides information regarding our estimated future cash flows related to our various plans: Estimated Cash Flows
## Table 0 ##
The qualified pension plan contributions are deposited into the Trust, and the qualified pension plan benefit payments are paid from the Trust.
For the other plans, total contributions and the benefit payments are the same and represent expected benefit amounts, which are paid from general assets.
Postretirement benefits are net of participant contributions.
The components of net periodic benefit cost/(income) and other amounts recognized in other comprehensive income were as follows:
## Table 1 ##
dividend in connection with the implementation of a shareholders’ rights plan, or the redemption or repurchase of any rights under any such plan, (iv) as a result of an exchange or conversion of any class or series of PNC’s capital stock for any other class or series of PNC’s capital stock, (v) the purchase of fractional interests in shares of PNC capital stock pursuant to the conversion or exchange provisions of such stock or the security being converted or exchanged or (vi) any stock dividends paid by PNC where the dividend stock is the same stock as that on which the dividend is being paid.
PNC Bank, N. A.  has contractually committed to Trust I that if full dividends are not paid in a dividend period on the Trust I Securities, LLC Preferred Securities or any other parity equity securities issued by the LLC, neither PNC Bank, N. A.  nor its subsidiaries will declare or pay dividends or other distributions with respect to, or redeem, purchase or acquire or make a liquidation payment with respect to, any of its equity capital securities during the next succeeding period (other than to holders of the LLC Preferred Securities and any parity equity securities issued by the LLC) except: (i) in the case of dividends payable to subsidiaries of PNC Bank, N. A. , to PNC Bank, N. A.  or another wholly-owned subsidiary of PNC Bank, N. A.  or (ii) in the case of dividends payable to persons that are not subsidiaries of PNC Bank, N. A. , to such persons only if, (A) in the case of a cash dividend, PNC has first irrevocably committed to contribute amounts at least equal to such cash dividend or (B) in the case of in-kind dividends payable by PNC REIT Corp. , PNC has committed to purchase such in-kind dividend from the applicable PNC REIT Corp.  holders in exchange for a cash payment representing the market value of such in-kind dividend, and PNC has committed to contribute such in-kind dividend to PNC Bank, N. A.
NOTE 4 LOANS, COMMITMENTS TO EXTEND CREDIT AND CONCENTRATIONS OF CREDIT RISK Loans outstanding were as follows:
## Table 2 ##
Loans are presented net of unearned income, net deferred loan fees, unamortized discounts and premiums, and purchase discounts and premiums totaling $3.2 billion and $4.3 billion at December 31, 2009 and December 31, 2008, respectively.
Future accretable interest related to purchased impaired loans is not included in loans outstanding.
Concentrations of credit risk exist when changes in economic, industry or geographic factors similarly affect groups of counterparties whose aggregate exposure is material in relation to our total credit exposure.
Loans outstanding and related unfunded commitments are concentrated in our primary geographic markets.
At December 31, 2009, no specific industry concentration exceeded 6% of total commercial loans outstanding.
In the normal course of business, we originate or purchase loan products whose contractual features, when concentrated, may increase our exposure as a holder and servicer of those loan products.
Possible product terms and features that may create a concentration of credit risk would include loan products whose terms permit negative amortization, a high loan-to-value ratio, features that may expose the borrower to future increases in repayments above increases in market interest rates, below-market interest rates and interest-only loans, among others.
We originate interest-only loans to commercial borrowers.
These products are standard in the financial services industry and the features of these products are considered during the underwriting process to mitigate the increased risk of this product feature that may result in borrowers not being able to make interest and principal payments when due.
We do not believe that these product features create a concentration of credit risk.
We also originate home equity loans and lines of credit that result in a credit concentration of high loan-to-value ratio loan products at the time of origination.
In addition, these loans are concentrated in our primary geographic markets.
Certain loans are accounted for at fair value with changes in the fair value reported in current period earnings.
The fair value of these loans was $107 million, or approximately .07% of the total loan portfolio, at December 31, 2009.
Loans held for sale are reported separately on the Consolidated Balance Sheet and are not included in the table above.
Interest income from total loans held for sale was $270 million in 2009, $166 million in 2008 and $184 million in 2007 and is included in Other interest income on our Consolidated Income Statement.
Net Unfunded Credit Commitments
## Table 3 ##
Commitments to extend credit represent arrangements to lend funds or provide liquidity subject to specified contractual conditions.
At December 31, 2009 commercial commitments are reported net of $13.2 billion of participations, assignments and syndications, primarily to financial institutions.
The comparable amount at December 31, 2008 was $8.6 billion.
At December 31, 2016, the fair value of the qualified pension plan assets was more than both the accumulated benefit obligation and the projected benefit obligation.
PNC Pension Plan Assets The long-term investment strategy for pension plan assets in our qualified pension plan (the Plan) is to: ?
Meet present and future benefit obligations to all participants and beneficiaries, ?
Cover reasonable expenses incurred to provide such benefits, including expenses incurred in the administration of the Trust and the Plan, ?
Provide sufficient liquidity to meet benefit and expense payment requirements on a timely basis, and ?
Provide a total return that, over the long term, maximizes the ratio of trust assets to liabilities by maximizing investment return, at an appropriate level of risk.
The Plan’s named investment fiduciary has the ability to make short to intermediate term asset allocation shifts under the dynamic asset allocation strategy based on factors such as the Plan’s funded status, the named investment fiduciary’s view of return on equities relative to long term expectations, the named investment fiduciary’s view on the direction of interest rates and credit spreads, and other relevant financial or economic factors which would be expected to impact the ability of the Trust to meet its obligation to participants and beneficiaries.
Accordingly, the allowable asset allocation ranges have been updated to incorporate the flexibility required by the dynamic allocation policy.
The asset strategy allocations for the Trust at the end of 2016 and 2015, and the target allocation range at the end of 2016, by asset category, are as follows.
Table 71: Asset Strategy Allocations
## Table 4 ##
The asset category represents the allocation of Plan assets in accordance with the investment objective of each of the Plan’s investment managers.
Certain domestic equity investment managers utilize derivatives and fixed income securities as described in their Investment Management Agreements to achieve their investment objective under the Investment Policy Statement.
Other investment managers may invest in eligible securities outside of their assigned asset category to meet their investment objectives.
The actual percentage of the fair value of total Plan assets held as of December 31, 2016 for equity securities, fixed income securities, real estate and all other assets are 65%, 19%, 5% and 11%, respectively.
We believe that, over the long term, asset allocation is the single greatest determinant of risk.
Asset allocation will deviate from the target percentages due to market movement, cash flows, investment manager performance and implementation of shifts under the dynamic asset allocation policy.
Material deviations from the asset allocation targets can alter the expected return and risk of the Trust.
On the other hand, frequent rebalancing of the asset allocation targets may result in significant transaction costs, which can impair the Trust’s ability to meet its investment objective.
Accordingly, the Trust portfolio is periodically rebalanced to maintain asset allocation within the target ranges described above.
In addition to being diversified across asset classes, the Trust is diversified within each asset class.
Secondary diversification provides a reasonable basis for the expectation that no single security or class of securities will have a disproportionate impact on the total risk and return of the Trust.
Where investment strategies permit the use of derivatives and/ or currency management, language is incorporated in the managers’ guidelines to define allowable and prohibited transactions and/or strategies.
Derivatives are typically employed by investment managers to modify risk/return characteristics of their portfolio(s), implement asset allocation changes in a cost effective manner, or reduce transaction costs.
Under the managers’ investment guidelines, derivatives may not be used solely for speculation or leverage.
Derivatives are to be used only in circumstances where they offer the most efficient economic means of improving the risk/ reward profile of the portfolio.
credit rating fall below investment grade, the value of the outstanding undivided interest held by investors would be reduced, and, in certain cases, the investors would have the right to discontinue the facility.
The Railroad collected approximately $20.1 billion and $18.8 billion of receivables during the years ended December 31, 2012 and 2011, respectively.
UPRI used certain of these proceeds to purchase new receivables under the facility.
The costs of the receivables securitization facility include interest, which will vary based on prevailing commercial paper rates, program fees paid to banks, commercial paper issuing costs, and fees for unused commitment availability.
The costs of the receivables securitization facility are included in interest expense and were $3 million, $4 million and $6 million for 2012, 2011 and 2010, respectively.
The investors have no recourse to the Railroad’s other assets, except for customary warranty and indemnity claims.
Creditors of the Railroad do not have recourse to the assets of UPRI.
In July 2012, the receivables securitization facility was renewed for an additional 364-day period at comparable terms and conditions.
Subsequent Event – On January 2, 2013, we transferred an additional $300 million in undivided interest to investors under the receivables securitization facility, increasing the value of the outstanding undivided interest held by investors from $100 million to $400 million.
Contractual Obligations and Commercial Commitments As described in the notes to the Consolidated Financial Statements and as referenced in the tables below, we have contractual obligations and commercial commitments that may affect our financial condition.
Based on our assessment of the underlying provisions and circumstances of our contractual obligations and commercial commitments, including material sources of off-balance sheet and structured finance arrangements, other than the risks that we and other similarly situated companies face with respect to the condition of the capital markets (as described in Item 1A of Part II of this report), there is no known trend, demand, commitment, event, or uncertainty that is reasonably likely to occur that would have a material adverse effect on our consolidated results of operations, financial condition, or liquidity.
In addition, our commercial obligations, financings, and commitments are customary transactions that are similar to those of other comparable corporations, particularly within the transportation industry.
The following tables identify material obligations and commitments as of December 31, 2012:

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="3">Qualified Pension Plan</td><td colspan="3">Nonqualified Pension Plan</td><td colspan="3">Postretirement Benefits</td></tr><tr><td>Year ended December 31 – in millions</td><td>2007</td><td>2006</td><td>2005</td><td>2007</td><td>2006</td><td>2005</td><td>2007</td><td>2006</td><td>2005</td></tr><tr><td>Net periodic cost consists of:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Service cost</td><td>$42</td><td>$34</td><td>$33</td><td>$2</td><td>$1</td><td>$1</td><td>$3</td><td>$2</td><td>$2</td></tr><tr><td>Interest cost</td><td>82</td><td>68</td><td>65</td><td>6</td><td>4</td><td>4</td><td>14</td><td>13</td><td>14</td></tr><tr><td>Expected return on plan assets</td><td>-156</td><td>-129</td><td>-128</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Amortization of prior service cost</td><td></td><td>-1</td><td>-1</td><td></td><td></td><td></td><td>-7</td><td>-6</td><td>-7</td></tr><tr><td>Amortization of actuarial losses (gains)</td><td>2</td><td>16</td><td>23</td><td>2</td><td>3</td><td>3</td><td></td><td>1</td><td>4</td></tr><tr><td>Net periodic cost</td><td>$-30</td><td>$-12</td><td>$-8</td><td>$10</td><td>$8</td><td>$8</td><td>$10</td><td>$10</td><td>$13</td></tr><tr><td>Other changes in plan assets and benefit obligations recognized in other comprehensive income:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Current year prior service cost/(credit)</td><td></td><td></td><td></td><td></td><td></td><td></td><td>$-5</td><td></td><td></td></tr><tr><td>Amortization of prior service (cost)/credit</td><td></td><td></td><td></td><td></td><td></td><td></td><td>7</td><td></td><td></td></tr><tr><td>Current year actuarial loss/(gain)</td><td>$16</td><td></td><td></td><td>$4</td><td></td><td></td><td>-2</td><td></td><td></td></tr><tr><td>Amortization of actuarial (loss)/gain</td><td>-2</td><td></td><td></td><td>-2</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total recognized in OCI</td><td>14</td><td></td><td></td><td>2</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total recognized in net periodic cost and OCI</td><td>$-16</td><td></td><td></td><td>$12</td><td></td><td></td><td>$10</td><td></td><td></td></tr></table>
<table><tr><td></td><td></td><td></td><td colspan="2">Postretirement Benefits</td></tr><tr><td>In millions</td><td>QualifiedPension</td><td>NonqualifiedPension</td><td>GrossPNCBenefitPayments</td><td>Reductionin PNCBenefitPaymentsDuetoMedicarePart DSubsidy</td></tr><tr><td>Estimated 2008employercontributions</td><td>—</td><td>$12</td><td>$22</td><td>$2</td></tr><tr><td>Estimated futurebenefitpayments</td><td></td><td></td><td></td><td></td></tr><tr><td>2008</td><td>$130</td><td>$12</td><td>$22</td><td>$2</td></tr><tr><td>2009</td><td>132</td><td>12</td><td>23</td><td>2</td></tr><tr><td>2010</td><td>130</td><td>13</td><td>23</td><td>2</td></tr><tr><td>2011</td><td>129</td><td>12</td><td>23</td><td>1</td></tr><tr><td>2012</td><td>122</td><td>11</td><td>22</td><td>1</td></tr><tr><td>2013 – 2017</td><td>579</td><td>48</td><td>107</td><td>6</td></tr></table>
<table><tr><td>In millions</td><td> December 31 2009</td><td>December 31 2008</td></tr><tr><td>Commercial</td><td>$54,818</td><td>$69,220</td></tr><tr><td>Commercial real estate</td><td>23,131</td><td>25,736</td></tr><tr><td>Consumer</td><td>53,582</td><td>52,489</td></tr><tr><td>Residential real estate</td><td>19,810</td><td>21,583</td></tr><tr><td>Equipment lease financing</td><td>6,202</td><td>6,461</td></tr><tr><td>Total loans</td><td>$157,543</td><td>$175,489</td></tr></table>
<table><tr><td>In millions</td><td> December 31 2009</td><td>December 31 2008</td></tr><tr><td>Commercial and commercial real estate</td><td>$60,143</td><td>$60,020</td></tr><tr><td>Home equity lines of credit</td><td>20,367</td><td>23,195</td></tr><tr><td>Consumer credit card and other unsecured lines</td><td>18,800</td><td>20,207</td></tr><tr><td>Other</td><td>1,485</td><td>1,466</td></tr><tr><td>Total</td><td>$100,795</td><td>$104,888</td></tr></table>
<table><tr><td></td><td>Target Allocation Range</td><td colspan="2">TargetPercentage ofPlan Assets byStrategyatDecember 31</td></tr><tr><td>PNC Pension Plan</td><td></td><td>2016</td><td>2015</td></tr><tr><td>Asset Category</td><td></td><td></td><td></td></tr><tr><td>Domestic Equity</td><td>20 – 40%</td><td>28%</td><td>32%</td></tr><tr><td>International Equity</td><td>10 – 25%</td><td>21%</td><td>23%</td></tr><tr><td>Private Equity</td><td>0 – 15%</td><td>8%</td><td>8%</td></tr><tr><td>Total Equity</td><td>40 – 70%</td><td>57%</td><td>63%</td></tr><tr><td>Domestic Fixed Income</td><td>10 – 40%</td><td>16%</td><td>17%</td></tr><tr><td>High Yield Fixed Income</td><td>0 – 25%</td><td>12%</td><td>12%</td></tr><tr><td>Total Fixed Income</td><td>10 – 65%</td><td>28%</td><td>29%</td></tr><tr><td>Real estate</td><td>0 – 15%</td><td>5%</td><td>5%</td></tr><tr><td>Other</td><td>0 – 5%</td><td>10%</td><td>3%</td></tr><tr><td>Total</td><td>100%</td><td>100%</td><td>100%</td></tr></table>

Question: What's the growth rate of Interest cost for Qualified Pension Plan in 2007?
Answer: 0.20588
Reasoning program: subtract(82,68), divide(#0,68)