Non-standard auto premiums written totaled $698 million in 2012, a 10.1% decrease from $776 million in 2011, following a 12.7% decrease in 2011 from $889 million in 2010.
## Table 0 ##
(1) Based on historical premiums written in those states, rate changes approved for non-standard auto totaled $8 million, $49 million and $41 million in 2012, 2011 and 2010, respectively.
(2) Includes Washington D. C.  Allstate brand non-standard auto premiums written totaled $698 million in 2012, a 9.9% decrease from $775 million in 2011.
The decrease was primarily due to a decrease in PIF due to fewer number of policies available to renew; a 3.9% decrease in new issued applications to 246 thousand in 2012 from 256 thousand in 2011; and decreases in average gross premium and the renewal ratio.
Allstate brand non-standard auto premiums written totaled $775 million in 2011, a 12.2% decrease from $883 million in 2010.
The decrease was primarily due to a decrease in PIF due to a decline in the number of policies available to renew, a lower retention rate and fewer new issued applications; a 17.2% decrease in new issued applications to 256 thousand in 2011 from 309 thousand in 2010, driven in large part by management actions in Florida through October 2011; and decreases in average gross premium and the renewal ratio.
Homeowners premiums written totaled $6.46 billion in 2012, a 3.2% increase from $6.26 billion in 2011, following a 2.4% increase in 2011 from $6.11 billion in 2010.
Excluding the cost of catastrophe reinsurance, premiums written increased 2.8% in 2012 compared to 2011.
For a more detailed discussion on reinsurance, see the Property-Liability Claims and Claims Expense Reserves section of the MD&A and Note 10 of the consolidated financial statements.
## Table 1 ##
(1) Beginning in 2012, excess and surplus lines PIF are not included in the homeowners PIF totals.
Previously, these policy counts were included in the homeowners totals.
Excess and surplus lines represent policies written by North Light.
All other total homeowners measures and statistics include excess and surplus lines except for new issued applications.
(2) Includes rate changes approved based on our net cost of reinsurance.
Rate changes exclude excess and surplus lines.
(3) Based on historical premiums written in those states, rate changes approved for homeowners totaled $412 million, $533 million and $424 million in the 2012, 2011 and 2010, respectively.
(4)Includes Washington D. C.  Allstate brand homeowners premiums written totaled $6.06 billion in 2012, a 2.8% increase from $5.89 billion in 2011.
Factors impacting premiums written were the following: – 6.2% decrease in PIF as of December 31, 2012 compared to December 31, 2011 due to fewer policies available to renew and fewer new issued applications – 3.1% decrease in new issued applications to 442 thousand in 2012 from 456 thousand in 2011.
We have new business underwriting restrictions in certain states.
We also continue to take actions to maintain an appropriate level of exposure to catastrophic events while continuing to meet the needs of our customers, including selectively not offering continuing coverage in coastal areas of certain states.
the consolidated financial statements.
The pension and other postretirement plans may be amended or terminated at any time.
Any revisions could result in significant changes to our obligations and our obligation to fund the plans.
We report unrecognized pension and other postretirement benefit cost in the Consolidated Statements of Financial Position as a component of accumulated other comprehensive income in shareholders’ equity.
It represents the after-tax differences between the fair value of plan assets and the projected benefit obligation (‘‘PBO’’) for pension plans and the accumulated postretirement benefit obligation for other postretirement plans that have not yet been recognized as a component of net periodic cost.
The measurement of the unrecognized pension and other postretirement benefit cost can vary based upon the fluctuations in the fair value of plan assets and the actuarial assumptions used for the plans as discussed below.
The unrecognized pension and other postretirement benefit cost as of December 31, 2012 was $1.73 billion, an increase of $302 million from $1.43 billion as of December 31, 2011.
The increase was the result of updated actuarial assumptions primarily the discount rates.
As of December 31, 2012, $1.88 billion related to pension benefits and $(150) million related to other postretirement benefits.
The components of net periodic pension cost for all pension plans for the years ended December 31 are as follows:
## Table 2 ##
The service cost component is the actuarial present value of the benefits attributed by the plans benefit formula to services rendered by the employees during the period.
Interest cost is the increase in the PBO in the period due to the passage of time at the discount rate.
Interest cost fluctuates as the discount rate changes and is also impacted by the related change in the size of the PBO.
The change in the PBO due to the change in the discount rate is deferred as a component of net actuarial loss.
It is recorded in accumulated other comprehensive income as unrecognized pension benefit cost and may be amortized.
The expected return on plan assets is determined as the product of the expected long-term rate of return on plan assets and the adjusted fair value of plan assets, referred to as the market-related value of plan assets.
To determine the market-related value, the fair value of plan assets is adjusted annually so that differences between changes in the fair value of equity securities and hedge fund limited partnerships and the expected long-term rate of return on these securities are recognized into the market-related value of plan assets over a five year period.
We believe this is consistent with the long-term nature of pension obligations.
The difference between the actual return on plan assets and the expected return on plan assets is deferred as a component of net actuarial loss.
It is recorded in accumulated other comprehensive income as unrecognized pension benefit cost and may be amortized.
The market-related value adjustment represents the current difference between actual returns and expected returns on equity securities and hedge fund limited partnerships recognized over a five year period.
The market-related value adjustment is a deferred net gain of $460 million as of December 31, 2012.
The expected return on plan assets fluctuates when the market-related value of plan assets changes and when the expected long-term rate of return on plan assets assumption changes.
Amortization of net actuarial loss in pension cost is recorded when the net actuarial loss including the unamortized market-related value adjustment exceeds 10% of the greater of the PBO or the market-related value of plan assets.
The amount of amortization is equal to the excess divided by the average remaining service period for active employees for each plan, which approximates 9 years for Allstate’s largest plan.
As a result, the effect of changes in the PBO due to changes in the discount rate and changes in the fair value of plan assets may be experienced in our net periodic pension cost in periods subsequent to those in which the fluctuations actually occur.
Net actuarial loss fluctuates as the discount rate fluctuates, as the actual return on plan assets differ from the expected long-term rate of return on plans assets, and as actual plan experience differs from other actuarial assumptions.
Net actuarial loss related to changes in the discount rate will change when interest rates change and from amortization of net actuarial loss when there is an excess sufficient to qualify for amortization.
Net actuarial loss related to changes in the fair value of plan assets will change when plan assets change in fair value and when there is an excess sufficient to qualify for amortization.
Other net actuarial loss will change over time due to changes in other valuation assumptions and the plan participants or when there is an excess sufficient to qualify for amortization.
Valuation of Long-Lived Assets We estimate the useful lives of long-lived assets and make estimates concerning undiscounted cash flows to review for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset (or asset group) may not be recoverable.
Fair value is measured using discounted cash flows or independent appraisals, as appropriate.
Intangible Assets Goodwill and other indefinite-lived intangible assets are not subject to amortization and are tested for impairment annually and whenever events or changes in circumstances indicate that impairment may have occurred.
Our estimates of fair value for goodwill impairment testing are determined based on a discounted cash flow model.
We use inputs from our long-range planning process to determine growth rates for sales and profits.
We also make estimates of discount rates, perpetuity growth assumptions, market comparables, and other factors.
We evaluate the useful lives of our other intangible assets, mainly brands, to determine if they are finite or indefinite-lived.
Reaching a determination on useful life requires significant judgments and assumptions regarding the future effects of obsolescence, demand, competition, other economic factors (such as the stability of the industry, known technological advances, legislative action that results in an uncertain or changing regulatory environment, and expected changes in distribution channels), the level of required maintenance expenditures, and the expected lives of other related groups of assets.
Intangible assets that are deemed to have definite lives are amortized on a straight-line basis, over their useful lives, generally ranging from 4 to 30 years.
Our estimate of the fair value of our brand assets is based on a discounted cash flow model using inputs which include projected revenues from our long-range plan, assumed royalty rates that could be payable if we did not own the brands, and a discount rate.
As of May 26, 2019, we had $20.6 billion of goodwill and indefinite-lived intangible assets.
While we currently believe that the fair value of each intangible exceeds its carrying value and that those intangibles so classified will contribute indefinitely to our cash flows, materially different assumptions regarding future performance of our businesses or a different weighted-average cost of capital could result in material impairment losses and amortization expense.
We performed our fiscal 2019 assessment of our intangible assets as of the first day of the second quarter of fiscal 2019.
As a result of lower sales projections in our long-range plans for the businesses supporting the Progresso, Food Should Taste Good, and Mountain High brand intangible assets, we recorded the following impairment charges:

Tables referenced above, in order (Table 0 first):
<table><tr><td> </td><td colspan="4"> Allstate brand</td><td></td></tr><tr><td> Non-Standard Auto</td><td> 2012</td><td> 2011</td><td></td><td> 2010</td><td></td></tr><tr><td>PIF (thousands)</td><td>508</td><td>571</td><td></td><td>640</td><td></td></tr><tr><td>Average premium-gross written (6 months)</td><td>$600</td><td>$606</td><td></td><td>$624</td><td></td></tr><tr><td>Renewal ratio (%) (6 months)</td><td>70.2</td><td>70.4</td><td></td><td>71.4</td><td></td></tr><tr><td>Approved rate changes:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td># of states</td><td>12</td><td>13</td><td><sup>-2</sup></td><td>11</td><td><sup>-2</sup></td></tr><tr><td>Countrywide (%)</td><td>1.2</td><td>6.0</td><td></td><td>4.6</td><td></td></tr><tr><td>State specific (%)<sup>(1)</sup></td><td>4.3</td><td>12.8</td><td></td><td>9.6</td><td></td></tr></table>
<table><tr><td> </td><td colspan="4"> Allstate brand</td><td></td><td colspan="5"> Encompass brand</td><td></td></tr><tr><td> Homeowners</td><td> 2012</td><td> 2011</td><td></td><td> 2010</td><td></td><td> 2012</td><td></td><td> 2011</td><td></td><td> 2010</td><td></td></tr><tr><td>PIF (thousands)<sup>(1)</sup></td><td>5,974</td><td>6,369</td><td></td><td>6,690</td><td></td><td>327</td><td></td><td>306</td><td></td><td>314</td><td></td></tr><tr><td>Average premium-gross written (12 months)</td><td>$1,087</td><td>$999</td><td></td><td>$943</td><td></td><td>$1,311</td><td></td><td>$1,297</td><td></td><td>$1,298</td><td></td></tr><tr><td>Renewal ratio (%) (12 months)</td><td>87.3</td><td>88.3</td><td></td><td>88.4</td><td></td><td>83.3</td><td></td><td>79.8</td><td></td><td>78.1</td><td></td></tr><tr><td>Approved rate changes<sup>-2</sup>:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td># of states</td><td>42</td><td>41</td><td><sup>-4</sup></td><td>32</td><td><sup>-4</sup></td><td>33</td><td><sup>-4</sup></td><td>27</td><td><sup>-4</sup></td><td>23</td><td><sup>-4</sup></td></tr><tr><td>Countrywide (%)</td><td>6.3</td><td>8.6</td><td></td><td>7.0</td><td></td><td>6.0</td><td></td><td>3.1</td><td></td><td>0.7</td><td></td></tr><tr><td>State specific (%)<sup>(3)</sup></td><td>8.6</td><td>11.0</td><td></td><td>10.0</td><td></td><td>6.4</td><td></td><td>4.1</td><td></td><td>1.4</td><td></td></tr></table>
<table><tr><td> ($ in millions) </td><td>2012</td><td>2011</td><td>2010</td></tr><tr><td>Service cost</td><td>$152</td><td>$151</td><td>$150</td></tr><tr><td>Interest cost</td><td>298</td><td>322</td><td>320</td></tr><tr><td>Expected return on plan assets</td><td>-393</td><td>-367</td><td>-331</td></tr><tr><td>Amortization of:</td><td></td><td></td><td></td></tr><tr><td>Prior service credit</td><td>-2</td><td>-2</td><td>-2</td></tr><tr><td>Net actuarial loss</td><td>178</td><td>154</td><td>160</td></tr><tr><td>Settlement loss</td><td>33</td><td>46</td><td>48</td></tr><tr><td>Net periodic cost</td><td>$266</td><td>$304</td><td>$345</td></tr></table>

Question: What's the 2012 increasing rate of Average premium-gross written (12 months) of Allstate brand?
Answer: 0.08809
Reasoning program: subtract(1087,999), divide(#0,999)