{"pre_text": ["agreements associated with the agency securitizations , most sale agreements do not provide for penalties or other remedies if we do not respond timely to investor indemnification or repurchase requests .", "origination and sale of residential mortgages is an ongoing business activity and , accordingly , management continually assesses the need to recognize indemnification and repurchase liabilities pursuant to the associated investor sale agreements .", "we establish indemnification and repurchase liabilities for estimated losses on sold first and second-lien mortgages and home equity loans/lines for which indemnification is expected to be provided or for loans that are expected to be repurchased .", "for the first and second-lien mortgage sold portfolio , we have established an indemnification and repurchase liability pursuant to investor sale agreements based on claims made and our estimate of future claims on a loan by loan basis .", "these relate primarily to loans originated during 2006-2008 .", "for the home equity loans/lines sold portfolio , we have established indemnification and repurchase liabilities based upon this same methodology for loans sold during 2005-2007 .", "indemnification and repurchase liabilities are initially recognized when loans are sold to investors and are subsequently evaluated by management .", "initial recognition and subsequent adjustments to the indemnification and repurchase liability for the sold residential mortgage portfolio are recognized in residential mortgage revenue on the consolidated income statement .", "since pnc is no longer engaged in the brokered home equity lending business , only subsequent adjustments are recognized to the home equity loans/lines indemnification and repurchase liability .", "these adjustments are recognized in other noninterest income on the consolidated income statement .", "management 2019s subsequent evaluation of these indemnification and repurchase liabilities is based upon trends in indemnification and repurchase requests , actual loss experience , risks in the underlying serviced loan portfolios , and current economic conditions .", "as part of its evaluation , management considers estimated loss projections over the life of the subject loan portfolio .", "at december 31 , 2011 and december 31 , 2010 , the total indemnification and repurchase liability for estimated losses on indemnification and repurchase claims totaled $ 130 million and $ 294 million , respectively , and was included in other liabilities on the consolidated balance sheet .", "an analysis of the changes in this liability during 2011 and 2010 follows : analysis of indemnification and repurchase liability for asserted claims and unasserted claims ."], "post_text": ["( a ) repurchase obligation associated with sold loan portfolios of $ 121.4 billion and $ 139.8 billion at december 31 , 2011 and december 31 , 2010 , respectively .", "( b ) repurchase obligation associated with sold loan portfolios of $ 4.5 billion and $ 6.5 billion at december 31 , 2011 and december 31 , 2010 , respectively .", "pnc is no longer engaged in the brokered home equity lending business , which was acquired with national city .", "management believes our indemnification and repurchase liabilities appropriately reflect the estimated probable losses on investor indemnification and repurchase claims at december 31 , 2011 and 2010 .", "while management seeks to obtain all relevant information in estimating the indemnification and repurchase liability , the estimation process is inherently uncertain and imprecise and , accordingly , it is reasonably possible that future indemnification and repurchase losses could be more or less than our established liability .", "factors that could affect our estimate include the volume of valid claims driven by investor strategies and behavior , our ability to successfully negotiate claims with investors , housing prices , and other economic conditions .", "at december 31 , 2011 , we estimate that it is reasonably possible that we could incur additional losses in excess of our indemnification and repurchase liability of up to $ 85 million .", "this estimate of potential additional losses in excess of our liability is based on assumed higher investor demands , lower claim rescissions , and lower home prices than our current assumptions .", "reinsurance agreements we have two wholly-owned captive insurance subsidiaries which provide reinsurance to third-party insurers related to insurance sold to our customers .", "these subsidiaries enter into various types of reinsurance agreements with third-party insurers where the subsidiary assumes the risk of loss through either an excess of loss or quota share agreement up to 100% ( 100 % ) reinsurance .", "in excess of loss agreements , these subsidiaries assume the risk of loss for an excess layer of coverage up to specified limits , once a defined first loss percentage is met .", "in quota share agreements , the subsidiaries and third-party insurers share the responsibility for payment of all claims .", "these subsidiaries provide reinsurance for accidental death & dismemberment , credit life , accident & health , lender placed 200 the pnc financial services group , inc .", "2013 form 10-k ."], "table": [["in millions", "2011 residential mortgages ( a )", "2011 home equity loans/lines ( b )", "2011 total", "2011 residential mortgages ( a )", "2011 home equity loans/lines ( b )", "total"], ["january 1", "$ 144", "$ 150", "$ 294", "$ 229", "$ 41", "$ 270"], ["reserve adjustments net", "102", "4", "106", "120", "144", "264"], ["losses 2013 loan repurchases and settlements", "-163 ( 163 )", "-107 ( 107 )", "-270 ( 270 )", "-205 ( 205 )", "-35 ( 35 )", "-240 ( 240 )"], ["december 31", "$ 83", "$ 47", "$ 130", "$ 144", "$ 150", "$ 294"]], "table_ori": [["", "2011", "2010"], ["In millions", "Residential Mortgages (a)", "Home Equity Loans/Lines (b)", "Total", "Residential Mortgages (a)", "Home Equity Loans/Lines (b)", "Total"], ["January 1", "$144", "$150", "$294", "$229", "$41", "$270"], ["Reserve adjustments, net", "102", "4", "106", "120", "144", "264"], ["Losses – loan repurchases and settlements", "(163)", "(107)", "(270)", "(205)", "(35)", "(240)"], ["December 31", "$83", "$47", "$130", "$144", "$150", "$294"]]}

Question: what was the ratio of the the total indemnification and repurchase liability for estimated losses on indemnification and repurchase claims \\n
Evidence:
text_12: at december 31 , 2011 and december 31 , 2010 , the total indemnification and repurchase liability for estimated losses on indemnification and repurchase claims totaled $ 130 million and $ 294 million , respectively , and was included in other liabilities on the consolidated balance sheet .
Program: add(130, 294)
Answer:
str_answer: 44.2%
exe_answer: 424