Table IV Outstanding Loans and Leases
## Table 0 ##
(1) Includes pay option loans of $2.3 billion, $3.2 billion, $4.4 billion, $6.7 billion and $9.9 billion, and non-U.
S.  residential mortgage loans of $2 million, $2 million, $0, $93 million and $85 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
The Corporation no longer originates pay option loans.
(2) Includes auto and specialty lending loans of $42.6 billion, $37.7 billion, $38.5 billion, $35.9 billion and $43.0 billion, unsecured consumer lending loans of $886 million, $1.5 billion, $2.7 billion, $4.7 billion and $8.0 billion, U. S.  securities-based lending loans of $39.8 billion, $35.8 billion, $31.2 billion, $28.3 billion and $23.6 billion, non-U.
S.  consumer loans of $3.9 billion, $4.0 billion, $4.7 billion, $8.3 billion and $7.6 billion, student loans of $564 million, $632 million, $4.1 billion, $4.8 billion and $6.0 billion, and other consumer loans of $1.0 billion, $761 million, $1.0 billion, $1.2 billion and $1.5 billion at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(3) Includes consumer finance loans of $564 million, $676 million, $1.2 billion, $1.4 billion and $1.7 billion, consumer leases of $1.4 billion, $1.0 billion, $606 million, $34 million and $0, consumer overdrafts of $146 million, $162 million, $176 million, $177 million and $103 million, and other non-U.
S.  consumer loans of $4 million, $3 million, $5 million, $5 million and $929 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(4) Consumer loans accounted for under the fair value option were residential mortgage loans of $1.6 billion, $1.9 billion, $2.0 billion, $1.0 billion and $2.2 billion, and home equity loans of $250 million, $196 million, $147 million, $0 and $0 at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
Commercial loans accounted for under the fair value option were U. S.  commercial loans of $2.3 billion, $1.9 billion, $1.5 billion, $2.3 billion and $2.2 billion, and non-U.
S.  commercial loans of $2.8 billion, $4.7 billion, $6.4 billion, $5.7 billion and $4.4 billion at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(5) Includes U. S.  small business commercial loans, including card-related products, of $12.9 billion, $13.3 billion, $13.3 billion, $12.6 billion and $13.3 billion at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(6) Includes U. S.  commercial real estate loans of $53.6 billion, $45.2 billion, $46.3 billion, $37.2 billion and $37.8 billion, and non-U.
S.  commercial real estate loans of $3.5 billion, $2.5 billion, $1.6 billion, $1.5 billion and $1.8 billion at December 31, 2015, 2014, 2013, 2012 and 2011, respectively
McKESSON CORPORATION FINANCIAL NOTES (Continued) 19.
Fair Value Measurements Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.
The analysis of fair value is conducted by our accounting and finance personnel who organizationally report to the Chief Financial Officer.
There is a three-level hierarchy that prioritizes the inputs used in determining fair value by their reliability and preferred use, as follows: Level 1 - Valuations based on quoted prices in active markets for identical assets or liabilities.
Level 2 - Valuations based on quoted prices in active markets for similar assets and liabilities, quoted prices for identical or similar assets or liabilities in inactive markets, or other inputs that are observable or can be corroborated by observable market data.
Level 3 - Valuations based on inputs that are both significant to the fair value measurement and unobservable.
At March 31, 2013 and 2012, the carrying amounts of cash, certain cash equivalents, restricted cash, receivables, drafts and accounts payable, short-term borrowings and other current liabilities approximated their estimated fair values because of the short maturity of these financial instruments.
Our long-term debt and other financing are carried at amortized cost.
The carrying amounts and estimated fair values of these liabilities were $4.9 billion and $5.5 billion at March 31, 2013 and $3.6 billion and $4.1 billion at March 31, 2012.
The estimated fair values of our long-term debt and other financing were determined using quoted market prices in a less active market and other observable inputs from available market information, which are considered to be Level 2 inputs, and may not be representative of actual values that could have been realized or that will be realized in the future.
Assets Measured at Fair Value on a Recurring Basis Our financial assets measured at fair value on a recurring basis consist of the following:
## Table 1 ##
(1) Gross unrealized gain and losses were not material for the years ended March 31, 2013 and 2012.
Based on quoted prices of identical investments.
(2) The carrying amounts of these cash equivalents approximated their estimated fair values because of their short maturities.
Fair values of our forward foreign currency derivatives were determined using quoted market prices of similar instruments in an active market and other observable inputs from available market information.
These inputs are considered Level 2 under the fair value measurements and disclosure guidance, and may not be representative of actual values that could have been realized or that will be realized in the future.
Fair values for our net foreign currency hedges were not material at March 31, 2013 and 2012.
There were no transfers between Level 1, Level 2 or Level 3 of the fair value hierarchy during the years ended March 31, 2013 and 2012
2009 levels, we returned a portion of these assets to active service.
At the end of 2010, we continued to maintain in storage approximately 17% of our multiple purpose locomotives and 14% of our freight car inventory, reflecting our ability to effectively leverage our assets as volumes return to our network.  ?
Fuel Prices – Fuel prices generally increased throughout 2010 as the economy improved.
Our average diesel fuel price per gallon increased nearly 20% from January to December of 2010, driven by higher crude oil barrel prices and conversion spreads.
Compared to 2009, our diesel fuel price per gallon consumed increased 31%, driving operating expenses up by $566 million (excluding any impact from year-over-year volume increases).
To partially offset the effect of higher fuel prices, we reduced our consumption rate by 3% during the year, saving approximately 27 million gallons of fuel.
The use of newer, more fuel efficient locomotives; increased use of distributed locomotive power (the practice of distributing locomotives throughout a train rather than positioning them all in the lead resulting in safer and more efficient train operations); fuel conservation programs; and efficient network operations and asset utilization all contributed to this improvement.  ?
Free Cash Flow – Cash generated by operating activities (adjusted for the reclassification of our receivables securitization facility) totaled $4.5 billion, yielding record free cash flow of $1.4 billion in 2010.
Free cash flow is defined as cash provided by operating activities (adjusted for the reclassification of our receivables securitization facility), less cash used in investing activities and dividends paid.
Free cash flow is not considered a financial measure under accounting principles generally accepted in the U. S.  (GAAP) by SEC Regulation G and Item 10 of SEC Regulation S-K.  We believe free cash flow is important in evaluating our financial performance and measures our ability to generate cash without additional external financings.
Free cash flow should be considered in addition to, rather than as a substitute for, cash provided by operating activities.
The following table reconciles cash provided by operating activities (GAAP measure) to free cash flow (non-GAAP measure):
## Table 2 ##
[a] Effective January 1, 2010, a new accounting standard required us to account for receivables transferred under our receivables securitization facility as secured borrowings in our Consolidated Statements of Financial Position and as financing activities in our Consolidated Statements of Cash Flows.
The receivables securitization facility is included in our free cash flow calculation to adjust cash provided by operating activities as though our receivables securitization facility had been accounted for under the new accounting standard for all periods presented.2011 Outlook ?
Safety – Operating a safe railroad benefits our employees, our customers, our shareholders, and the public.
We will continue using a multi-faceted approach to safety, utilizing technology, risk assessment, quality control, and training, and engaging our employees.
We will continue implementing Total Safety Culture (TSC) throughout our operations.
TSC is designed to establish, maintain, reinforce, and promote safe practices among co-workers.
This process allows us to identify and implement best practices for employee and operational safety.
Reducing grade crossing incidents is a critical aspect of our safety programs, and we will continue our efforts to maintain and close crossings; install video cameras on locomotives; and educate the public and law enforcement agencies about crossing safety through a combination of our own programs (including risk assessment strategies), various industry programs, and engaging local communities.  ?
Transportation Plan – To build upon our success in recent years, we will continue evaluating traffic flows and network logistic patterns, which can be quite dynamic, to identify additional opportunities to simplify operations, remove network variability, and improve network efficiency and asset utilization.
We plan to adjust manpower and our locomotive and rail car fleets to meet customer needs and put

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="5">December 31</td></tr><tr><td>(Dollars in millions)</td><td>2015</td><td>2014</td><td>2013</td><td>2012</td><td>2011</td></tr><tr><td>Consumer</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage<sup>-1</sup></td><td>$187,911</td><td>$216,197</td><td>$248,066</td><td>$252,929</td><td>$273,228</td></tr><tr><td>Home equity</td><td>75,948</td><td>85,725</td><td>93,672</td><td>108,140</td><td>124,856</td></tr><tr><td>U.S. credit card</td><td>89,602</td><td>91,879</td><td>92,338</td><td>94,835</td><td>102,291</td></tr><tr><td>Non-U.S. credit card</td><td>9,975</td><td>10,465</td><td>11,541</td><td>11,697</td><td>14,418</td></tr><tr><td>Direct/Indirect consumer<sup>-2</sup></td><td>88,795</td><td>80,381</td><td>82,192</td><td>83,205</td><td>89,713</td></tr><tr><td>Other consumer<sup>-3</sup></td><td>2,067</td><td>1,846</td><td>1,977</td><td>1,628</td><td>2,688</td></tr><tr><td>Total consumer loans excluding loans accounted for under the fair value option</td><td>454,298</td><td>486,493</td><td>529,786</td><td>552,434</td><td>607,194</td></tr><tr><td>Consumer loans accounted for under the fair value option<sup>-4</sup></td><td>1,871</td><td>2,077</td><td>2,164</td><td>1,005</td><td>2,190</td></tr><tr><td>Total consumer</td><td>456,169</td><td>488,570</td><td>531,950</td><td>553,439</td><td>609,384</td></tr><tr><td>Commercial</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. commercial<sup>-5</sup></td><td>265,647</td><td>233,586</td><td>225,851</td><td>209,719</td><td>193,199</td></tr><tr><td>Commercial real estate<sup>-6</sup></td><td>57,199</td><td>47,682</td><td>47,893</td><td>38,637</td><td>39,596</td></tr><tr><td>Commercial lease financing</td><td>27,370</td><td>24,866</td><td>25,199</td><td>23,843</td><td>21,989</td></tr><tr><td>Non-U.S. commercial</td><td>91,549</td><td>80,083</td><td>89,462</td><td>74,184</td><td>55,418</td></tr><tr><td>Total commercial loans excluding loans accounted for under the fair value option</td><td>441,765</td><td>386,217</td><td>388,405</td><td>346,383</td><td>310,202</td></tr><tr><td>Commercial loans accounted for under the fair value option<sup>-4</sup></td><td>5,067</td><td>6,604</td><td>7,878</td><td>7,997</td><td>6,614</td></tr><tr><td>Total commercial</td><td>446,832</td><td>392,821</td><td>396,283</td><td>354,380</td><td>316,816</td></tr><tr><td>Total loans and leases</td><td>$903,001</td><td>$881,391</td><td>$928,233</td><td>$907,819</td><td>$926,200</td></tr></table>
<table><tr><td></td><td colspan="4">March 31, 2013</td><td colspan="4">March 31, 2012</td></tr><tr><td>(In millions)</td><td>Level 1</td><td>Level 2</td><td>Level 3</td><td>Total</td><td>Level 1</td><td>Level 2</td><td>Level 3</td><td>Total</td></tr><tr><td>Cash Equivalents</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Money market funds<sup>-1</sup></td><td>$1,036</td><td>$—</td><td>$—</td><td>$1,036</td><td>$805</td><td>$—</td><td>$—</td><td>$805</td></tr><tr><td>Time deposits<sup>-2</sup></td><td>—</td><td>95</td><td>—</td><td>95</td><td>—</td><td>132</td><td>—</td><td>132</td></tr><tr><td>Repurchase agreements<sup>-2</sup></td><td>447</td><td>—</td><td>—</td><td>447</td><td>211</td><td>—</td><td>—</td><td>211</td></tr><tr><td>Total cash equivalents</td><td>$1,483</td><td>$95</td><td>$—</td><td>$1,578</td><td>$1,016</td><td>$132</td><td>$—</td><td>$1,148</td></tr></table>
<table><tr><td><i>Millions</i></td><td>2010</td><td>2009</td><td>2008</td></tr><tr><td>Cash provided by operating activities</td><td>$4,105</td><td>$3,204</td><td>$4,044</td></tr><tr><td>Receivables securitization facility [a]</td><td>400</td><td>184</td><td>16</td></tr><tr><td>Cash provided by operating activitiesadjusted for the receivables securitizationfacility</td><td>4,505</td><td>3,388</td><td>4,060</td></tr><tr><td>Cash used in investing activities</td><td>-2,488</td><td>-2,145</td><td>-2,738</td></tr><tr><td>Dividends paid</td><td>-602</td><td>-544</td><td>-481</td></tr><tr><td>Free cash flow</td><td>$1,415</td><td>$699</td><td>$841</td></tr></table>

Question: What is the growing rate of Total commercial in the years with the least Total consumer?
Answer: 0.1375
Reasoning program: subtract(446832,392821), divide(#0,392821)