NOTE 14 Commitments and Contingencies In the normal course of business, the Corporation enters into a number of off-balance sheet commitments.
These commitments expose the Corporation to varying degrees of credit and market risk and are subject to the same credit and market risk limitation reviews as those instruments recorded on the Corporation’s Consolidated Balance Sheet.
Credit Extension Commitments The Corporation enters into commitments to extend credit such as loan commitments, SBLC and commercial letters of credit to meet the financing needs of its customers.
The table below includes the notional amount of unfunded legally binding lending commitments net of amounts distributed (e. g. , syndicated) to other financial institutions of $27.1 billion and $23.3 billion at December 31, 2011 and 2010.
At December 31, 2011, the carrying amount of these commitments, excluding commitments accounted for under the fair value option, was $741 million, including deferred revenue of $27 million and a reserve for unfunded lending commitments of $714 million.
At December 31, 2010, the comparable amounts were $1.2 billion, $29 million and $1.2 billion, respectively.
The carrying amount of these commitments is classified in accrued expenses and other liabilities on the Consolidated Balance Sheet.
The table below also includes the notional amount of commitments of $25.7 billion and $27.3 billion at December 31, 2011 and 2010 that are accounted for under the fair value option.
However, the table below excludes fair value adjustments of $1.2 billion and $866 million on these commitments, which are classified in accrued expenses and other liabilities.
For information regarding the Corporation’s loan commitments accounted for under the fair value option, see Note 23 – Fair Value Option.
## Table 0 ##
(1) The notional amounts of SBLCs and financial guarantees classified as investment grade and non-investment grade based on the credit quality of the underlying reference name within the instrument were $39.2 billion and $17.8 billion at December 31, 2011 and $41.1 billion and $22.4 billion at December 31, 2010.
Amount includes consumer SBLCs of $859 million at December 31, 2011.
(2) Includes business card unused lines of credit.
(3) Amount includes $849 million of consumer letters of credit and $3.8 billion of commercial letters of credit at December 31, 2010.
Legally binding commitments to extend credit generally have specified rates and maturities.
Certain of these commitments have adverse change clauses that help to protect the Corporation against deterioration in the borrower’s ability to pay.
Other Commitments Global Principal Investments and Other Equity Investments At December 31, 2011 and 2010, the Corporation had unfunded equity investment commitments of $772 million and $1.5 billion.
In light of proposed Basel regulatory capital changes related to unfunded commitments over the past two years, the Corporation has actively reduced these commitments in a series of sale transactions involving its private equity fund investments.
Other Commitments At December 31, 2011 and 2010, the Corporation had commitments to purchase loans (e. g. , residential mortgage and commercial real estate) of $2.5 billion and $2.6 billion which upon settlement will be included in loans or LHFS.
At December 31, 2011 and 2010, the Corporation had commitments to enter into forward-dated resale and securities borrowing agreements of $67.0 billion and $39.4 billion.
In addition, the Corporation had commitments to enter into forwarddated repurchase and securities lending agreements of $42.0 billion and $33.5 billion.
All of these commitments expire within the next 12 months.
The Corporation is a party to operating leases for certain of its premises and equipment.
Commitments under these leases are approximately $3.0 billion, $2.6 billion, $2.0 billion, $1.6 billion and $1.3 billion for 2012 through 2016, respectively, and $6.1 billion in the aggregate for all years thereafter.
incurred during 2009 as compared to 2010.
The favorable settlement of litigation with Align Technologies in the third quarter 2009 adversely impacted year-over-year operating profit margin comparisons by 75 basis points.
The net dilutive effect of acquired businesses, 2009 divestitures and the operating profit margin impact of contributing certain businesses to the Apex joint venture adversely impacted year-over-year operating profit margin comparisons by approximately 65 basis points.
Acquisition related charges associated with fair value adjustments to acquired inventory and deferred revenue balances as well as 2010 transaction costs deemed significant by the Company (net of comparable acquisition related charges and costs recorded in the comparable period of 2009) also adversely impacted year-over-year operating profit margin comparisons by 35 basis points as such charges and costs were greater in 2010 than in 2009.
Operating profit margins were 13.8% in the year ended December 31, 2009 as compared to 14.7% for the year ended December 31, 2008.
The decrease in operating profit margins during 2009 is primarily a result of lower sales volumes in 2009 compared to 2008, as well as restructuring costs incurred during 2009 in excess of the level incurred during 2008 which reduced operating profit margin comparisons by 115 basis points on a year-over-year basis.
In addition, the dilutive effect of recently acquired businesses had a net adverse impact of 20 basis points on year-over-year operating profit margin comparisons.
Cost savings realized in 2009 attributable to the Company’s 2008 and 2009 restructuring activities and ongoing efforts to reduce material costs and other operating expenses partially offset the reductions in operating profit margins.
The gain recognized during 2009 in connection with the Align litigation settlement also favorably impacted year-over-year operating profit margin comparisons by 75 basis points.
In addition, accounting charges recorded in 2008 associated with recording the fair value of inventory and deferred revenue acquired in connection with the November 2007 acquisition of Tektronix (net of comparable acquisition-related charges recorded in 2009) favorably impacted yearover-year operating profit margin comparisons by 10 basis points as such charges were greater in 2008 than 2009.  Business Segments During the fourth quarter of 2010, the Company changed the composition of its reportable segments to reflect changes in its internal organization resulting from the rate of growth within certain of the Company’s businesses and the contribution of certain of the Company’s hand tool manufacturing and distribution businesses to the Apex joint venture.
The Company now reports results in five separate business segments consisting of the Test & Measurement; Environmental; Life Sciences & Diagnostics; Dental; and Industrial Technologies segments.
In addition, the historical results of the hand tool businesses contributed to Apex and the Company’s equity in earnings of the Apex joint venture will be shown separately in the Company’s segment disclosures.
The Company previously reported its operations under four segments: Professional Instrumentation; Medical Technologies; Industrial Technologies; and Tools & Components.
The table below summarizes sales by business segment for each of the periods indicated ($ in millions):
## Table 1 ##
TEST & MEASUREMENT The Company’s Test & Measurement segment is a leading global provider of electronic measurement instruments, monitoring, management and optimization tools for communications networks and related services that are used in the design, development, manufacture, installation, deployment and operation of electronics equipment and communications networks and services.
Customers for these products and services include manufacturers of electronic products, network equipment manufacturers who design, develop, manufacture and install network equipment, and service providers who implement, maintain and manage communications networks and services.
Also included in the Test & Measurement segment are the Company’s mobile tool and wheel service businesses.
Entergy Corporation and Subsidiaries Notes to Financial Statements As of December 31, 2015, System Energy, in connection with the Grand Gulf sale and leaseback transactions, had future minimum lease payments (reflecting an implicit rate of 5.13%) that are recorded as long-term debt, as follows:
## Table 2 ##
NOTE 11.
RETIREMENT, OTHER POSTRETIREMENT BENEFITS, AND DEFINED CONTRIBUTION PLANS Qualified Pension Plans Entergy has nine qualified pension plans covering substantially all employees.
The “Entergy Corporation Retirement Plan for Non-Bargaining Employees,” “Entergy Corporation Retirement Plan for Bargaining Employees,” “Entergy Corporation Retirement Plan II for Non-Bargaining Employees,” “Entergy Corporation Retirement Plan II for Bargaining Employees,” “Entergy Corporation Retirement Plan IV for Non-Bargaining Employees,” and “Entergy Corporation Retirement Plan IV for Bargaining Employees” are non-contributory final average pay plans and provide pension benefits that are based on employees’ credited service and compensation during employment.
The “Entergy Corporation Retirement Plan III” is a final average pay plan that provides pension benefits that are based on employees’ credited service and compensation during the final years before retirement and includes a mandatory employee contribution of 3% of earnings during the first 10 years of plan participation, and allows voluntary contributions from 1% to 10% of earnings for a limited group of employees.
Non-bargaining employees whose most recent date of hire is after June 30, 2014 participate in the “Entergy Corporation Cash Balance Plan for Non-Bargaining Employees.
” Certain bargaining employees hired or rehired after June 30, 2014, or such later date provided for in their applicable collective bargaining agreements, participate in the “Entergy Corporation Cash Balance Plan for Bargaining Employees.
” The Registrant Subsidiaries participate in these four plans: “Entergy Corporation Retirement Plan for Non-Bargaining Employees,” “Entergy Corporation Retirement Plan for Bargaining Employees,” “Entergy Corporation Cash Balance Plan for Non-Bargaining Employees,” and “Entergy Cash Balance Plan for Bargaining Employees.
”

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="5">December 31, 2011</td></tr><tr><td>(Dollars in millions)</td><td>Expire in OneYear or Less</td><td>Expire After OneYear ThroughThree Years</td><td>Expire After ThreeYears ThroughFive Years</td><td>Expire After FiveYears</td><td>Total</td></tr><tr><td>Notional amount of credit extension commitments</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Loan commitments</td><td>$96,291</td><td>$85,413</td><td>$120,770</td><td>$15,009</td><td>$317,483</td></tr><tr><td>Home equity lines of credit</td><td>1,679</td><td>7,765</td><td>20,963</td><td>37,066</td><td>67,473</td></tr><tr><td>Standby letters of credit and financial guarantees<sup>-1</sup></td><td>26,965</td><td>18,932</td><td>6,433</td><td>5,505</td><td>57,835</td></tr><tr><td>Letters of credit</td><td>2,828</td><td>27</td><td>5</td><td>383</td><td>3,243</td></tr><tr><td>Legally binding commitments</td><td>127,763</td><td>112,137</td><td>148,171</td><td>57,963</td><td>446,034</td></tr><tr><td>Credit card lines<sup>-2</sup></td><td>449,097</td><td>—</td><td>—</td><td>—</td><td>449,097</td></tr><tr><td>Total credit extension commitments</td><td>$576,860</td><td>$112,137</td><td>$148,171</td><td>$57,963</td><td>$895,131</td></tr><tr><td></td><td colspan="5">December 31, 2010</td></tr><tr><td>Notional amount of credit extension commitments</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Loan commitments</td><td>$152,926</td><td>$144,461</td><td>$43,465</td><td>$16,172</td><td>$357,024</td></tr><tr><td>Home equity lines of credit</td><td>1,722</td><td>4,290</td><td>18,207</td><td>55,886</td><td>80,105</td></tr><tr><td>Standby letters of credit and financial guarantees<sup>-1</sup></td><td>35,275</td><td>18,940</td><td>4,144</td><td>5,897</td><td>64,256</td></tr><tr><td>Letters of credit<sup>-3</sup></td><td>3,698</td><td>110</td><td>—</td><td>874</td><td>4,682</td></tr><tr><td>Legally binding commitments</td><td>193,621</td><td>167,801</td><td>65,816</td><td>78,829</td><td>506,067</td></tr><tr><td>Credit card lines<sup>-2</sup></td><td>497,068</td><td>—</td><td>—</td><td>—</td><td>497,068</td></tr><tr><td>Total credit extension commitments</td><td>$690,689</td><td>$167,801</td><td>$65,816</td><td>$78,829</td><td>$1,003,135</td></tr></table>
<table><tr><td></td><td colspan="3"> For the Year Ended December 31</td></tr><tr><td></td><td> 2010</td><td> 2009</td><td> 2008</td></tr><tr><td>Test & Measurement</td><td>$2,832.9</td><td>$2,221.3</td><td>$2,805.0</td></tr><tr><td>Environmental</td><td>2,738.0</td><td>2,418.7</td><td>2,413.2</td></tr><tr><td>Life Sciences & Diagnostics</td><td>2,298.3</td><td>1,484.9</td><td>1,481.5</td></tr><tr><td>Dental</td><td>1,824.6</td><td>1,657.0</td><td>1,795.5</td></tr><tr><td>Industrial Technologies</td><td>3,193.2</td><td>2,795.1</td><td>3,471.0</td></tr><tr><td>Businesses contributed to Apex joint venture</td><td>315.6</td><td>607.9</td><td>731.3</td></tr><tr><td>Total</td><td>$13,202.6</td><td>$11,184.9</td><td>$12,697.5</td></tr></table>
<table><tr><td></td><td>Amount (In Thousands)</td></tr><tr><td>2016</td><td>$17,188</td></tr><tr><td>2017</td><td>17,188</td></tr><tr><td>2018</td><td>17,188</td></tr><tr><td>2019</td><td>17,188</td></tr><tr><td>2020</td><td>17,188</td></tr><tr><td>Years thereafter</td><td>275,000</td></tr><tr><td>Total</td><td>360,940</td></tr><tr><td>Less: Amount representing interest</td><td>326,579</td></tr><tr><td>Present value of net minimum lease payments</td><td>$34,361</td></tr></table>

Question: What is the growing rate of Dental in Table 1 in the year with the most Letters of credit of Expire in OneYear or Less in Table 0?
Answer: 0.10115
Reasoning program: subtract(1824.6,1657), divide(#0,1657)