The Annuities segment provides variable and fixed annuity products of RiverSource Life companies to retail clients.
Prior to the fourth quarter of 2010, the Company’s variable annuity products were provided through both affiliated and unaffiliated advisors through third-party distribution.
During the fourth quarter of 2010, the Company discontinued new sales of its variable annuities in non-Ameriprise channels to further strengthen the risk and return characteristics of the business.
The Company’s fixed annuity products are provided through affiliated advisors as well as unaffiliated advisors through third-party distribution.
Revenues for the Company’s variable annuity products are primarily earned as fees based on underlying account balances, which are impacted by both market movements and net asset flows.
Revenues for the Company’s fixed annuity products are primarily earned as net investment income on invested assets supporting fixed account balances, with profitability significantly impacted by the spread between net investment income earned and interest credited on the fixed account balances.
The Company also earns net investment income on invested assets supporting reserves for immediate annuities and for certain guaranteed benefits offered with variable annuities and on capital supporting the business.
Intersegment revenues for this segment reflect fees paid by the Asset Management segment for marketing support and other services provided in connection with the availability of RiverSource Variable Series Trust, Columbia Funds Variable Insurance Trust, Columbia Funds Variable Insurance Trust I and Wanger Advisors Trust funds under the variable annuity contracts.
Intersegment expenses for this segment include distribution expenses for services provided by the Advice & Wealth Management segment, as well as expenses for investment management services provided by the Asset Management segment.
The Protection segment offers a variety of protection products to address the protection and risk management needs of the Company’s retail clients including life, DI and property-casualty insurance.
Life and DI products are primarily provided through the Company’s affiliated advisors.
The Company’s property-casualty products are provided direct, primarily through affinity relationships.
The Company issues insurance policies through its life insurance subsidiaries and the property casualty companies.
The primary sources of revenues for this segment are premiums, fees, and charges that the Company receives to assume insurance-related risk.
The Company earns net investment income on invested assets supporting insurance reserves and capital supporting the business.
The Company also receives fees based on the level of assets supporting VUL separate account balances.
This segment earns intersegment revenues from fees paid by the Asset Management segment for marketing support and other services provided in connection with the availability of RiverSource Variable Series Trust, Columbia Funds Variable Insurance Trust, Columbia Funds Variable Insurance Trust I and Wanger Advisors Trust funds under the VUL contracts.
Intersegment expenses for this segment include distribution expenses for services provided by the Advice & Wealth Management segment, as well as expenses for investment management services provided by the Asset Management segment.
The Corporate & Other segment consists of net investment income or loss on corporate level assets, including excess capital held in the Company’s subsidiaries and other unallocated equity and other revenues as well as unallocated corporate expenses.
The Corporate & Other segment also includes revenues and expenses of consolidated investment entities.
The accounting policies of the segments are the same as those of the Company, except for the method of capital allocation and the accounting for gains (losses) from intercompany revenues and expenses, which are eliminated in consolidation.
The following is a summary of assets by segment:
## Table 0 ##
Consolidated Results of Operations Year Ended December 31, 2015 Compared to Year Ended December 31, 2014 The following table presents our consolidated results of operations:
## Table 1 ##
NM Not Meaningful.
Overall Income from continuing operations before income tax provision decreased $405 million, or 16%, to $2.1 billion for the year ended December 31, 2015 compared to $2.5 billion for the prior year primarily reflecting a $256 million decrease in net income from CIEs, a negative market impact on variable annuity guaranteed benefits (net of hedges and the related DSIC and DAC amortization), a $42 million benefit in the prior year from policyholder movement of investments in Portfolio Navigator (traditional asset allocation) funds under certain in force variable annuities with living benefit guarantees to the Portfolio Stabilizer (managed volatility) funds compared to a $6 million benefit for the current year, an increase in provision for estimated losses for our auto and home business, higher life and LTC insurance claims, fixed annuity net outflows, a negative impact of foreign exchange, asset management net outflows, a decrease in net realized investment gains, the unfavorable market impact of hedges on investments and the impact on DAC and DSIC from actual versus expected market performance, partially offset by the favorable impact of unlocking, higher asset management performance fees, wrap account net inflows, market appreciation, and lower performance-based compensation expense.
The market impact on variable annuity guaranteed benefits (net of hedges and the related DSIC and DAC amortization) was an expense of $214 million for the year ended December 31, 2015 compared to an expense of $94 million for the prior year.
The impact on DAC and DSIC from actual versus expected market performance based on our view of bond and equity performance was an expense of $19 million for the year ended December 31, 2015 reflecting unfavorable equity market returns compared to a benefit of $26 million for the prior year reflecting favorable equity market and bond fund returns.
?
In 2016, there was a $6 million decrease primarily reflecting favorable closed claim trends of DI and LTC policies and a decrease of $18 million related to favorable prior year reserve development for auto and home business of $20 million partially offset by unfavorable prior year catastrophe reserve development of $2 million.  ?
In 2015, there was a $60 million decrease primarily reflecting favorable closed claim trends of DI and LTC policies and from an update to assumptions related to life rider benefits partially offset by an increase of $58 million related to elevated frequency and severity experience for auto injury claims for 2014 and prior accident years as well as a more gradual than anticipated improvement of 2014 and prior years existing claims and unfavorable prior year catastrophe reserve development associated with 2014 hail storms.
Portions of the Company’s UL and VUL policies have product features that result in profits followed by losses from the insurance component of the policy.
These profits followed by losses can be generated by the cost structure of the product or secondary guarantees in the policy.
The secondary guarantee ensures that, subject to specified conditions, the policy will not terminate and will continue to provide a death benefit even if there is insufficient policy value to cover the monthly deductions and charges.
Separate Account Liabilities Separate account liabilities consisted of the following:
## Table 2 ##
Threadneedle Investment Liabilities Threadneedle provides a range of unitized pooled pension funds, which invest in property, stocks, bonds and cash.
The investments are selected by the clients and are based on the level of risk they are willing to assume.
All investment performance, net of fees, is passed through to the investors.
The value of the liabilities represents the fair value of the pooled pension funds.11.
Variable Annuity and Insurance Guarantees The majority of the variable annuity contracts offered by the Company contain GMDB provisions.
The Company also offers variable annuities with GGU, GMWB and GMAB provisions.
The Company previously offered contracts containing GMIB provisions.
See Note 2 and Note 10 for additional information regarding the Company’s variable annuity guarantees.
The GMDB and GGU provisions provide a specified minimum return upon death of the contractholder.
The death benefit payable is the greater of (i) the contract value less any purchase payment credits subject to recapture less a pro-rata portion of any rider fees, or (ii) the GMDB provisions specified in the contract.
The Company has the following primary GMDB provisions: ?
Return of premium — provides purchase payments minus adjusted partial surrenders.  ?
Reset — provides that the value resets to the account value every sixth contract anniversary minus adjusted partial surrenders.
This provision was often provided in combination with the return of premium provision and is no longer offered.  ?
Ratchet — provides that the value ratchets up to the maximum account value at specified anniversary intervals, plus subsequent purchase payments less adjusted partial surrenders.
The variable annuity contracts with GMWB riders typically have account values that are based on an underlying portfolio of mutual funds, the values of which fluctuate based on fund performance.
At issue, the guaranteed amount is equal to the amount deposited but the guarantee may be increased annually to the account value (a ‘‘step-up’’) in the case of favorable market performance or by a benefit credit if the contract includes this provision.
The Company has GMWB riders in force, which contain one or more of the following provisions: ?
Withdrawals at a specified rate per year until the amount withdrawn is equal to the guaranteed amount.
Entergy Gulf States, Inc.  Management's Financial Discussion and Analysis
## Table 3 ##
The volume/weather variance was due to higher electric sales volume in the service territory.
Billed usage increased a total of 517 GWh in the residential and commercial sectors.
The increase was partially offset by a decrease in industrial usage of 470 GWh due to the loss of two large industrial customers to cogeneration.
The customers accounted for approximately 1% of Entergy Gulf States' net revenue in 2002.
In 2002, deferred fuel costs of $8.9 million related to a Texas fuel reconciliation case were written off and $6.5 million in expense resulted from an adjustment in the deregulated asset plan percentage as the result of a power uprate at River Bend.
The increase in net wholesale revenue was primarily due to an increase in sales volume to municipal and coop customers and also to affiliated systems related to Entergy's generation resource planning.
The base rate decreases were effective June 2002 and January 2003, both in the Louisiana jurisdiction.
The January 2003 base rate decrease of $22.1 million had a minimal impact on net income due to a corresponding reduction in nuclear depreciation and decommissioning expenses associated with the change in accounting to reflect an assumed extension of River Bend's useful life.
In 2002, a gain of $15.2 million was recognized for the Louisiana portion of the 1988 Nelson Units 1 and 2 sale.
Entergy Gulf States received approval from the LPSC to discontinue applying amortization of the gain against recoverable fuel, resulting in the recognition of the deferred gain in income.
Rate refund provisions caused a decrease in net revenue due to additional provisions recorded in 2003 compared to 2002 for potential rate actions and refunds.
Gross operating revenues and fuel and purchased power expenses Gross operating revenues increased primarily due to an increase of $440.2 million in fuel cost recovery revenues as a result of higher fuel rates in both the Louisiana and Texas jurisdictions.
Fuel and purchased power expenses increased $471.1 million due to an increase in the market prices of natural gas and purchased power.
Other Income Statement Variances 2004 Compared to 2003 Other operation and maintenance expenses decreased primarily due to: ?
voluntary severance program accruals of $22.5 million in 2003; and ?
a decrease of $4.3 million in nuclear material and labor costs due to reduced staff in 2004.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="2">December 31,</td></tr><tr><td></td><td>2011</td><td>2010</td></tr><tr><td></td><td colspan="2">(in millions)</td></tr><tr><td>Advice & Wealth Management</td><td>$12,293</td><td>$11,241</td></tr><tr><td>Asset Management</td><td>6,863</td><td>7,854</td></tr><tr><td>Annuities</td><td>87,266</td><td>84,836</td></tr><tr><td>Protection</td><td>18,915</td><td>18,571</td></tr><tr><td>Corporate & Other</td><td>8,649</td><td>8,539</td></tr><tr><td>Assets held for sale</td><td>—</td><td>173</td></tr><tr><td>Total assets</td><td>$133,986</td><td>$131,214</td></tr></table>
<table><tr><td></td><td colspan="2">Years Ended December 31,</td><td colspan="2"></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>$5,950</td><td>$5,810</td><td>$140</td><td>2%</td></tr><tr><td>Distribution fees</td><td>1,847</td><td>1,894</td><td>-47</td><td>-2</td></tr><tr><td>Net investment income</td><td>1,688</td><td>1,741</td><td>-53</td><td>-3</td></tr><tr><td>Premiums</td><td>1,455</td><td>1,385</td><td>70</td><td>5</td></tr><tr><td>Other revenues</td><td>1,260</td><td>1,466</td><td>-206</td><td>-14</td></tr><tr><td>Total revenues</td><td>12,200</td><td>12,296</td><td>-96</td><td>-1</td></tr><tr><td>Banking and deposit interest expense</td><td>30</td><td>28</td><td>2</td><td>7</td></tr><tr><td>Total net revenues</td><td>12,170</td><td>12,268</td><td>-98</td><td>-1</td></tr><tr><td>Expenses</td><td></td><td></td><td></td><td></td></tr><tr><td>Distribution expenses</td><td>3,276</td><td>3,236</td><td>40</td><td>1</td></tr><tr><td>Interest credited to fixed accounts</td><td>668</td><td>713</td><td>-45</td><td>-6</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>2,261</td><td>1,982</td><td>279</td><td>14</td></tr><tr><td>Amortization of deferred acquisition costs</td><td>354</td><td>367</td><td>-13</td><td>-4</td></tr><tr><td>Interest and debt expense</td><td>387</td><td>328</td><td>59</td><td>18</td></tr><tr><td>General and administrative expense</td><td>3,082</td><td>3,095</td><td>-13</td><td>—</td></tr><tr><td>Total expenses</td><td>10,028</td><td>9,721</td><td>307</td><td>3</td></tr><tr><td>Income from continuing operations before income tax provision</td><td>2,142</td><td>2,547</td><td>-405</td><td>-16</td></tr><tr><td>Income tax provision</td><td>455</td><td>545</td><td>-90</td><td>-17</td></tr><tr><td>Income from continuing operations</td><td>1,687</td><td>2,002</td><td>-315</td><td>-16</td></tr><tr><td>Loss from discontinued operations, net of tax</td><td>—</td><td>-2</td><td>2</td><td>NM</td></tr><tr><td>Net income</td><td>1,687</td><td>2,000</td><td>-313</td><td>-16</td></tr><tr><td>Less: Net income attributable to noncontrolling interests</td><td>125</td><td>381</td><td>-256</td><td>-67</td></tr><tr><td>Net income attributable to Ameriprise Financial</td><td>$1,562</td><td>$1,619</td><td>$-57</td><td>-4%</td></tr></table>
<table><tr><td rowspan="3"></td><td colspan="2">December 31,</td></tr><tr><td>2017</td><td>2016</td></tr><tr><td colspan="2">(in millions)</td></tr><tr><td>Variable annuity</td><td>$75,174</td><td>$69,606</td></tr><tr><td>VUL insurance</td><td>7,352</td><td>6,659</td></tr><tr><td>Other insurance</td><td>34</td><td>33</td></tr><tr><td>Threadneedle investment liabilities</td><td>4,808</td><td>3,912</td></tr><tr><td>Total</td><td>$87,368</td><td>$80,210</td></tr></table>
<table><tr><td></td><td>(In Millions)</td></tr><tr><td>2002 net revenue</td><td>$1,130.7</td></tr><tr><td>Volume/weather</td><td>17.8</td></tr><tr><td>Fuel write-offs in 2002</td><td>15.3</td></tr><tr><td>Net wholesale revenue</td><td>10.2</td></tr><tr><td>Base rate decreases</td><td>-23.3</td></tr><tr><td>NISCO gain recognized in 2002</td><td>-15.2</td></tr><tr><td>Rate refund provisions</td><td>-11.3</td></tr><tr><td>Other</td><td>-14.1</td></tr><tr><td>2003 net revenue</td><td>$1,110.1</td></tr></table>

Question: what is the growth rate in net revenue in 2003 for entergy gulf states , inc.?
Answer: -0.01822
Reasoning program: subtract(1110.1,1130.7), divide(#0,1130.7)