Leveraged Performance Units During fiscal 2015, certain executives were granted performance units that we refer to as leveraged performance units, or LPUs.
LPUs contain a market condition based on our relative stock price growth over a three-year performance period.
The LPUs contain a minimum threshold performance which, if not met, would result in no payout.
The LPUs also contain a maximum award opportunity set as a fixed dollar and fixed number of shares.
After the three-year performance period, one-third of any earned units converts to unrestricted common stock.
The remaining two-thirds convert to restricted stock that will vest in equal installments on each of the first two anniversaries of the conversion date.
We recognize share-based compensation expense based on the grant date fair value of the LPUs, as determined by use of a Monte Carlo model, on a straight-line basis over the requisite service period for each separately vesting portion of the LPU award.
Total Shareholder Return Units Before fiscal 2015, certain of our executives were granted total shareholder return (“TSR”) units, which are performance-based restricted stock units that are earned based on our total shareholder return over a three-year performance period compared to companies in the S&P 500.
Once the performance results are certified, TSR units convert into unrestricted common stock.
Depending on our performance, the grantee may earn up to 200% of the target number of shares.
The target number of TSR units for each executive is set by the Compensation Committee.
We recognize share-based compensation expense based on the grant date fair value of the TSR units, as determined by use of a Monte Carlo model, on a straight-line basis over the vesting period.
The following table summarizes the changes in unvested share-based awards for the years ended May 31, 2016 and 2015 (shares in thousands):
## Table 0 ##
Including the restricted stock, performance units and TSR units described above, the total fair value of sharebased awards vested during the years ended May 31, 2016, 2015 and 2014 was $17.4 million, $15.0 million and $28.7 million, respectively.
For these share-based awards, we recognized compensation expense of $28.8 million, $19.8 million and $28.2 million in the years ended May 31, 2016, 2015 and 2014, respectively.
As of May 31, 2016, there was $42.6 million of unrecognized compensation expense related to unvested share-based awards that we expect to recognize over a weighted-average period of 1.9 years.
Our share-based award plans provide for accelerated vesting under certain conditions.
Employee Stock Purchase Plan We have an employee stock purchase plan under which the sale of 4.8 million shares of our common stock has been authorized.
Employees may designate up to the lesser of $25,000 or 20% of their annual compensation for the purchase of our common stock.
The price for shares purchased under the plan is 85% of the market value on
PRUDENTIAL FINANCIAL, INC.  Notes to Consolidated Financial Statements 20.
SEGMENT INFORMATION (continued)
## Table 1 ##
Income from continuing operations before income taxes, extraordinary gain on acquisition and cumulative effect of accounting change includes income from foreign operations of $1,828 million, $994 million and $663 million for the years ended December 31, 2005, 2004 and 2003, respectively.
Revenues, calculated in accordance with U. S.  GAAP, include revenues from foreign operations of $8,969 million, $6,826 million and $5,807 million for the years ended December 31, 2005, 2004 and 2003, respectively.
Included in the revenues from foreign operations are revenues from Japanese operations of $7,000 million, $5,355 million and $4,640 million for the years ended December 31, 2005, 2004 and 2003, respectively.
The Asset Management segment revenues include intersegment revenues of $358 million, $348 million and $343 million for the years ended December 31, 2005, 2004 and 2003, respectively, primarily consisting of asset-based management and administration fees.
In addition, the Financial Advisory segment revenues include intersegment revenues of $85 million for the year ended December 31, 2003 relating to the sale of proprietary investments products.
Management has determined the intersegment revenues with reference to market rates.
Intersegment revenues are eliminated in consolidation in Corporate and Other.
The gross unrealized losses as of December 31, 2005 were primarily concentrated in the manufacturing and services sectors while the gross unrealized losses as of December 31, 2004 were primarily concentrated in the manufacturing sector.
Impairments of Equity Securities For those equity securities classified as available-for-sale we record unrealized gains and losses to the extent cost is different from estimated fair value.
All securities with unrealized losses are subject to our review to identify other-than-temporary impairments in value.
In evaluating whether a decline in value is other-than-temporary, we consider several factors including, but not limited to, the following: ?
the extent (generally if greater than 20%) and the duration (generally if greater than six months) of the decline; ?
the reasons for the decline in value (credit event or market fluctuation); ?
our ability and intent to hold the investment for a period of time to allow for a recovery of value; and ?
the financial condition of and near-term prospects of the issuer.
When we determine that there is an other-than-temporary impairment, we record a writedown to estimated fair value, which reduces the cost basis.
The new cost basis of an impaired security is not adjusted for subsequent increases in estimated fair value.
Estimated fair values for publicly traded equity securities are based on quoted market prices or prices obtained from independent pricing services.
Estimated fair values for privately traded equity securities are determined using valuation and discounted cash flow models that call for a substantial level of judgment from management.
Impairments of equity securities attributable to the Financial Services Businesses were $8 million in 2005 and $19 million in 2004.
Impairments of equity securities attributable to the Closed Block Business were $10 million in 2005 and $9 million in 2004.
For a further discussion of impairments, see “—Realized Investment Gains” above.
Other Long-Term Investments “Other long-term investments” are comprised as follows:
## Table 2 ##
Trading Account Assets Supporting Insurance Liabilities “Trading account assets supporting insurance liabilities, at fair value” include assets that support certain products included in the retirement business we acquired from CIGNA, as well as certain products included in the International Insurance segment, which are experience rated, meaning that the investment results associated with these products will ultimately accrue to contractholders.
Realized and unrealized gains and losses for these investments are reported in “Asset management fees and other income.
” Investment income for these investments is reported in “Net investment income.
” Results for 2005 and 2004 include the recognition of $33 million and $55 million of investment losses, respectively, on “Trading account assets supporting insurance liabilities, at fair value.
” These losses primarily represent interest-rate related mark-to-market adjustments on fixed maturity securities.
Consistent with our treatment of “Realized investment gains (losses), net,” these losses, which will ultimately accrue to the contractholders, are excluded from adjusted operating income.
In addition, results for 2005 and 2004 include increases of $44 million and decreases of $1 million, respectively, in contractholder liabilities due to asset value changes in the pool of investments that support these experience-rated contracts.
These liability changes are reflected in “Interest credited to policyholders’ account balances” and are also excluded from adjusted operating income.
As prescribed by GAAP, changes in the fair value of mortgage loans, other than when associated with impairments, are not recognized in income in the current period, while the impact of these changes in mortgage loan value are reflected as a change in the liability to contractholders in the current period.
Included in the amounts above related to the change in the liability to contractholders is a decrease related to mortgage loans of $12 million in 2005 and $27 million in 2004.
There were no amounts recorded related to these items in 2003.
Retirement.
Segment results for 2015 decreased in comparison to 2014, reflecting lower net investment spread results, higher general and administrative expenses, net of capitalization, and lower fee income, partially offset by more favorable reserve impacts.
Asset Management.
Segment results for 2015 decreased in comparison to 2014, primarily reflecting higher asset management fees from growth in assets under management, which were more than offset by higher expenses, and a lower contribution from other related revenues, net of expenses.
Individual Life.
Segment results for 2015 increased in comparison to 2014, primarily reflecting favorable comparative impacts from our annual reviews and updates of assumptions and lower integration costs.
Excluding these impacts, results for 2015 decreased from the prior year, reflecting less favorable mortality experience inclusive of associated reserve updates and amortization, net of reinsurance, and a lower contribution from investment results, partially offset by growth of our universal and term life businesses.
Group Insurance.
Segment results for 2015 increased in comparison to 2014, primarily reflecting favorable comparative impacts from our annual reviews and updates of assumptions.
Excluding these items, results increased from 2014 reflecting more favorable comparative underwriting results and lower expenses, partially offset by a lower contribution from net investment spread results.
International Insurance.
Segment results for 2015 decreased in comparison to 2014, primarily from net unfavorable impacts from foreign currency exchange rates and from our annual reviews and updates of assumptions.
Excluding these items, segment results increased from the prior year, reflecting net business growth driven by higher sales, a greater contribution from net investment spread results and the absence of certain reserve refinements that occurred in 2014.
Partially offsetting these impacts were higher expenses and lower income from non-coupon investments.
Corporate and Other operations.
The results for 2015 in comparison to 2014 reflected decreased losses driven by lower operating debt interest expense, net of higher investment income from the transfer of assets related to the restructuring of the former Closed Block Business, partially offset by higher capital debt interest expense, lower pension and employee benefits income and higher levels of corporate expenses.
Closed Block division.
Closed Block division results for 2015 increased in comparison to Closed Block Business results for 2014 primarily driven by the absence of costs associated with the early redemption in 2014 of senior secured notes, which we referred to as the IHC Debt.
Excluding this impact, results decreased, reflecting a decrease in net realized investment gains, net investment income and net insurance results, partially offset by lower interest expense and a decrease in the policyholder dividend obligation.
Consolidated Results of Operations The following table summarizes net income (loss) for the periods presented.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td>Shares</td><td>Weighted-AverageGrant-DateFair Value</td></tr><tr><td>Unvested at May 31, 2014</td><td>1,754</td><td>$22.72</td></tr><tr><td>Granted</td><td>954</td><td>36.21</td></tr><tr><td>Vested</td><td>-648</td><td>23.17</td></tr><tr><td>Forfeited</td><td>-212</td><td>27.03</td></tr><tr><td>Unvested at May 31, 2015</td><td>1,848</td><td>28.97</td></tr><tr><td>Granted</td><td>461</td><td>57.04</td></tr><tr><td>Vested</td><td>-633</td><td>27.55</td></tr><tr><td>Forfeited</td><td>-70</td><td>34.69</td></tr><tr><td>Unvested at May 31, 2016</td><td>1,606</td><td>$37.25</td></tr></table>
<table><tr><td></td><td colspan="7">Year ended December 31, 2003</td></tr><tr><td></td><td>Revenues</td><td>Net Investment Income</td><td>Policyholders’ Benefits</td><td> Interest Credited to Policyholders’ Account Balances</td><td> Dividends to Policyholders</td><td>Interest Expense</td><td>Amortization of Deferred Policy Acquisition Costs</td></tr><tr><td></td><td colspan="7">(in millions)</td></tr><tr><td>Financial Services Businesses:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Individual Life and Annuities</td><td>$3,019</td><td>$861</td><td>$921</td><td>$420</td><td>$17</td><td>$-2</td><td>$242</td></tr><tr><td>Group Insurance</td><td>3,717</td><td>585</td><td>2,797</td><td>243</td><td>—</td><td>2</td><td>3</td></tr><tr><td>Total Insurance Division</td><td>6,736</td><td>1,446</td><td>3,718</td><td>663</td><td>17</td><td>—</td><td>245</td></tr><tr><td>Asset Management</td><td>1,360</td><td>61</td><td>—</td><td>—</td><td>—</td><td>16</td><td>54</td></tr><tr><td>Financial Advisory</td><td>1,306</td><td>53</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Retirement</td><td>2,281</td><td>2,043</td><td>791</td><td>946</td><td>—</td><td>17</td><td>12</td></tr><tr><td>Total Investment Division</td><td>4,947</td><td>2,157</td><td>791</td><td>946</td><td>—</td><td>33</td><td>66</td></tr><tr><td>International Insurance</td><td>5,581</td><td>789</td><td>3,446</td><td>109</td><td>94</td><td>3</td><td>284</td></tr><tr><td>International Investments</td><td>240</td><td>-11</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total International Insurance and Investments Division</td><td>5,821</td><td>778</td><td>3,446</td><td>109</td><td>94</td><td>3</td><td>284</td></tr><tr><td>Corporate Operations</td><td>166</td><td>505</td><td>72</td><td>—</td><td>—</td><td>164</td><td>-62</td></tr><tr><td>Real Estate and Relocation Services</td><td>307</td><td>27</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total Corporate and Other</td><td>473</td><td>532</td><td>72</td><td>—</td><td>—</td><td>164</td><td>-62</td></tr><tr><td>Total</td><td>17,977</td><td>4,913</td><td>8,027</td><td>1,718</td><td>111</td><td>200</td><td>533</td></tr><tr><td>Items excluded from adjusted operating income:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Realized investment gains (losses), net, and related adjustments</td><td>-156</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Charges related to realized investment gains (losses), net</td><td>—</td><td>—</td><td>-1</td><td>—</td><td>35</td><td>—</td><td>9</td></tr><tr><td>Investment gains (losses) on trading account assets supporting insurance liabilities, net</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Change in experience-rated contractholder liabilities due to asset value changes</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Divested businesses</td><td>1,859</td><td>123</td><td>1,087</td><td>—</td><td>4</td><td>—</td><td>269</td></tr><tr><td>Total Financial Services Businesses</td><td>19,680</td><td>5,036</td><td>9,113</td><td>1,718</td><td>150</td><td>200</td><td>811</td></tr><tr><td>Closed Block Business</td><td>7,982</td><td>3,632</td><td>4,174</td><td>139</td><td>2,452</td><td>165</td><td>121</td></tr><tr><td>Total per Consolidated Financial Statements</td><td>$27,662</td><td>$8,668</td><td>$13,287</td><td>$1,857</td><td>$2,602</td><td>$365</td><td>$932</td></tr></table>
<table><tr><td></td><td colspan="2">December 31, 2005</td><td colspan="2">December 31, 2004</td></tr><tr><td></td><td> Financial Services Businesses </td><td>Closed Block Business</td><td> Financial Services Businesses </td><td>Closed Block Business</td></tr><tr><td></td><td colspan="4">(in millions)</td></tr><tr><td>Joint ventures and limited partnerships:</td><td></td><td></td><td></td><td></td></tr><tr><td>Real estate related</td><td>$168</td><td>$237</td><td>$222</td><td>$284</td></tr><tr><td>Non real estate related</td><td>235</td><td>724</td><td>211</td><td>796</td></tr><tr><td>Real estate held through direct ownership</td><td>1,119</td><td>13</td><td>1,253</td><td>33</td></tr><tr><td>Separate accounts</td><td>1,426</td><td>—</td><td>1,361</td><td>—</td></tr><tr><td>Other</td><td>777</td><td>-1</td><td>927</td><td>-66</td></tr><tr><td>Total other long-term investments</td><td>$3,725</td><td>$973</td><td>$3,974</td><td>$1,047</td></tr></table>

Question: In the section with largest amount of Individual Life and Annuities , what's the increasing rate of Total Insurance Division ?
Answer: 0.78533
Reasoning program: subtract(6736,1446), divide(#0,6736)