Table 35 presents certain state concentrations for the direct/indirect consumer loan portfolio.
## Table 0 ##
Other Consumer At December 31, 2011, approximately 96 percent of the $2.7 billion other consumer portfolio was associated with certain consumer finance businesses that we previously exited and nonU.
S.  consumer loan portfolios that are included in All Other.
The remainder is primarily deposit overdrafts in Deposits.
Consumer Loans Accounted for Under the Fair Value Option Outstanding consumer loans accounted for under the fair value option were $2.2 billion at December 31, 2011 and include $1.3 billion of discontinued real estate loans and $906 million of residential mortgage loans as a result of the consolidation of VIEs.
During 2011, we recorded losses of $837 million resulting from changes in the fair value of the loan portfolio.
These losses were offset by gains recorded on the related long-term debt.
Nonperforming Consumer Loans and Foreclosed Properties Activity Table 36 presents nonperforming consumer loans and foreclosed properties activity during 2011 and 2010.
Nonperforming LHFS are excluded from nonperforming loans as they are recorded at either fair value or the lower of cost or fair value.
Nonperforming loans do not include past due consumer credit card loans and in general, past due consumer loans not secured by real estate as these loans are generally charged off no later than the end of the month in which the loan becomes 180 days past due.
The fullyinsured loan portfolio is not reported as nonperforming as principal repayment is insured.
Additionally, nonperforming loans do not include the Countrywide PCI loan portfolio or loans that we account for under the fair value option.
For further information on nonperforming loans, see Note 1 – Summary of Significant Accounting Principles to the Consolidated Financial Statements.
Nonperforming loans declined to $18.8 billion at December 31, 2011 compared to $20.9 billion at December 31, 2010.
Delinquency inflows to nonperforming loans slowed compared to the prior year due to favorable portfolio trends and were more than offset by charge-offs, nonperforming loans returning to performing status, and paydowns and payoffs.
The outstanding balance of a real estate-secured loan that is in excess of the estimated property value, after reducing the estimated property value for estimated costs to sell, is charged off no later than the end of the month in which the loan becomes 180 days past due unless repayment of the loan is fully insured.
At December 31, 2011, $14.6 billion, or 71 percent, of nonperforming consumer real estate loans and foreclosed properties had been written down to their estimated property value less estimated costs to sell, including $12.6 billion of nonperforming loans 180 days or more past due and $2.0 billion of foreclosed properties.
Foreclosed properties increased $742 million in 2011 as additions outpaced liquidations.
PCI loans are excluded from nonperforming loans as these loans were written down to fair value at the acquisition date.
However, once the underlying real estate is acquired by the Corporation upon foreclosure of the delinquent PCI loan, it is included in foreclosed properties.
Net changes to foreclosed properties related to PCI loans increased $411 million in 2011.
Not included in foreclosed properties at December 31, 2011 was $1.4 billion of real estate that was acquired upon foreclosure of delinquent FHA-insured loans.
We hold this real estate on our balance sheet until we convey these properties to the FHA.
We exclude these amounts from our nonperforming loans and foreclosed properties activity as we will be reimbursed once the property is conveyed to the FHA for principal and, up to certain limits, costs incurred during the foreclosure process and interest incurred during the holding period.
For additional information on the review of our foreclosure processes, see Off-Balance Sheet Arrangements and Contractual Obligations – Other Mortgagerelated Matters on page 57.
Restructured Loans Nonperforming loans also include certain loans that have been modified in TDRs where economic concessions have been granted to borrowers experiencing financial difficulties.
These concessions typically result from the Corporation’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions.
Certain TDRs are classified as nonperforming at the time of restructuring and may only be returned to performing status after considering the borrower’s sustained repayment performance under revised payment terms for a reasonable period, generally six months.
Nonperforming TDRs, excluding those modified loans in the Countrywide PCI loan portfolio, are included in Table 36.
As a result of accounting guidance on PCI loans, beginning January 1, 2010, modifications of loans in the PCI loan portfolio do not result in removal of the loan from the PCI loan pool.
TDRs in the consumer real estate portfolio that were removed from the
ENTERGY ARKANSAS, INC.  AND SUBSIDIARIES MANAGEMENT’S FINANCIAL DISCUSSION AND ANALYSIS Results of Operations Net Income 2016 Compared to 2015 Net income increased $92.9 million primarily due to higher net revenue and lower other operation and maintenance expenses, partially offset by a higher effective income tax rate and higher depreciation and amortization expenses.2015 Compared to 2014 Net income decreased $47.1 million primarily due to higher other operation and maintenance expenses, partially offset by higher net revenue.
Net Revenue 2016 Compared to 2015 Net revenue consists of operating revenues net of: 1) fuel, fuel-related expenses, and gas purchased for resale, 2) purchased power expenses, and 3) other regulatory charges (credits).
Following is an analysis of the change in net revenue comparing 2016 to 2015.
## Table 1 ##
The retail electric price variance is primarily due to an increase in base rates, as approved by the APSC.
The new base rates were effective February 24, 2016 and began billing with the first billing cycle of April 2016.
The increase includes an interim base rate adjustment surcharge, effective with the first billing cycle of April 2016, to recover the incremental revenue requirement for the period February 24, 2016 through March 31, 2016.
A significant portion of the increase is related to the purchase of Power Block 2 of the Union Power Station.
See Note 2 to the financial statements for further discussion of the rate case.
See Note 14 to the financial statements for further discussion of the Union Power Station purchase.
Packaging Corporation of America Notes to Consolidated Financial Statements (Continued) December 31, 2010 The following table summarizes the changes related to PCA’s gross uncertain tax positions excluding interest:
## Table 2 ##
During the third quarter of 2010, the statue of limitations for the federal tax year of 2006 expired.
During the third and fourth quarters of 2010, various state statutes of limitations expired.
As a result of these events, the reserve for uncertain tax positions was decreased by $1.7 million gross or $1.3 million net of the federal benefit for state taxes during the third and fourth quarters of 2010.
At December 31, 2010, PCA had recorded a $112.3 million reserve for uncertain tax positions excluding interest.
Of the total, $107.6 million (net of the federal benefit for state taxes) would impact the effective tax rate if recognized.
The increase in reserve in 2010 is attributable to alternative energy tax credits as described in Note 16.
During the years ended December 31, 2010 and 2009, PCA recorded $0.2 million gross ($0.09 million net) and $0.1 million gross ($0.06 million net), respectively, in its statement of income, increasing the accrual for interest to $2.0 million gross ($1.2 million net) and $1.8 million gross ($1.1 million, net) at December 31, 2010 and 2009, respectively.
No accrual for penalties was made.
PCA and its subsidiaries are subject to U. S.  federal income taxes, as well as income taxes of multiple state and city jurisdictions.
A federal examination of the tax years 2002 and 2004 has been concluded.
The tax years 2007 — 2010 remain open to federal examination.
The tax years 2002 — 2010 remain open to state examinations.
PCA expects the Internal Revenue Service (IRS) to review the cellulosic biofuel producer tax credits claimed in the 2009 federal income tax return.
Pending the timing and outcome of the IRS review, which is not determinable at this time, PCA expects the reserve for uncertain tax positions to change significantly.
PCA estimates the change in uncertain tax positions to be between $0 and $104.7 million due to potential changes upon IRS examination.16.
ALTERNATIVE ENERGY TAX CREDITS The Company generated black liquor as a by-product of its pulp manufacturing process and used it in a mixture with diesel fuel during 2009 to produce energy at its Counce, Tennessee, Valdosta, Georgia, and Tomahawk, Wisconsin mills.
Through December 31, 2009, the U. S.  Internal Revenue Code provided a $0.50 per gallon refundable tax credit for taxpayers who used alternative fuels in their trade or business.
As a registered alternative fuel mixer, the Company believes the use of black liquor as an alternative fuel through December 31, 2009 qualified for this tax credit.
After December 31, 2009, the alternative fuel mixture credit for a mixture of black liquor and diesel fuel used is no longer available.
During the first quarter of 2010, the Chief Counsel’s Office of the Internal Revenue Service released Memorandum AM2010-001, which provided clarification about the calculation of the alternative fuel mixture credit for black liquor.
As a result, during the first quarter of 2010 the Company released the reserve of $9.2 million that was established in 2009 due to the ambiguity in the calculation of the credit.
This reserve release resulted in additional income of $9.2 million, which was recorded in Alternative Fuel Mixture Tax Credits on the income statement in the first quarter of 2010.

Tables referenced above, in order (Table 0 first):
<table><tr><td>Table 35</td><td colspan="6">Direct/Indirect State Concentrations</td></tr><tr><td></td><td colspan="4">December 31</td><td colspan="2"></td></tr><tr><td></td><td colspan="2">Outstandings</td><td colspan="2">Accruing Past Due90 Days or More</td><td colspan="2">Net Charge-offs</td></tr><tr><td>(Dollars in millions)</td><td>2011</td><td>2010</td><td>2011</td><td>2010</td><td>2011</td><td>2010</td></tr><tr><td>California</td><td>$11,152</td><td>$10,558</td><td>$81</td><td>$132</td><td>$222</td><td>$591</td></tr><tr><td>Texas</td><td>7,882</td><td>7,885</td><td>54</td><td>78</td><td>117</td><td>262</td></tr><tr><td>Florida</td><td>7,456</td><td>6,725</td><td>55</td><td>80</td><td>148</td><td>343</td></tr><tr><td>New York</td><td>5,160</td><td>4,770</td><td>40</td><td>56</td><td>79</td><td>183</td></tr><tr><td>Georgia</td><td>2,828</td><td>2,814</td><td>38</td><td>44</td><td>61</td><td>126</td></tr><tr><td>Other U.S./Non-U.S.</td><td>55,235</td><td>57,556</td><td>478</td><td>668</td><td>849</td><td>1,831</td></tr><tr><td>Total direct/indirect loan portfolio</td><td>$89,713</td><td>$90,308</td><td>$746</td><td>$1,058</td><td>$1,476</td><td>$3,336</td></tr></table>
<table><tr><td></td><td>Amount (In Millions)</td></tr><tr><td>2015 net revenue</td><td>$1,362.2</td></tr><tr><td>Retail electric price</td><td>161.5</td></tr><tr><td>Other</td><td>-3.2</td></tr><tr><td>2016 net revenue</td><td>$1,520.5</td></tr></table>
<table><tr><td></td><td>2010</td><td>2009</td></tr><tr><td></td><td colspan="2">(In thousands)</td></tr><tr><td>Balance as of January 1</td><td>$-9,041</td><td>$-10,426</td></tr><tr><td>Increases related to prior years’ tax positions</td><td>-104,721</td><td>-949</td></tr><tr><td>Increases related to current year tax positions</td><td>-692</td><td>-619</td></tr><tr><td>Settlements with taxing authorities</td><td>424</td><td>248</td></tr><tr><td>Expiration of the statute of limitations</td><td>1,719</td><td>2,705</td></tr><tr><td>Balance at December 31</td><td>$-112,311</td><td>$-9,041</td></tr></table>

Question: In the year with the most New York in Outstandings in table 0, what is the growth rate of Florida in Outstandings in table 0?
Answer: 0.1087
Reasoning program: subtract(7456,6725), divide(#0,6725)