{"pre_text": ["table 44 : allowance for loan and lease losses ."], "post_text": ["as further described in the consolidated income statement review section of this item 7 , the provision for credit losses totaled $ 1.0 billion for 2012 compared to $ 1.2 billion for 2011 .", "for 2012 , the provision for commercial lending credit losses declined by $ 39 million or 22% ( 22 % ) from 2011 .", "similarly , the provision for consumer lending credit losses decreased $ 126 million or 13% ( 13 % ) from 2011 .", "at december 31 , 2012 , total alll to total nonperforming loans was 124% ( 124 % ) .", "the comparable amount for december 31 , 2011 was 122% ( 122 % ) .", "these ratios are 79% ( 79 % ) and 84% ( 84 % ) , respectively , when excluding the $ 1.5 billion and $ 1.4 billion , respectively , of allowance at december 31 , 2012 and december 31 , 2011 allocated to consumer loans and lines of credit not secured by residential real estate and purchased impaired loans .", "we have excluded consumer loans and lines of credit not secured by real estate as they are charged off after 120 to 180 days past due and not placed on nonperforming status .", "additionally , we have excluded purchased impaired loans as they are considered performing regardless of their delinquency status as interest is accreted based on our estimate of expected cash flows and additional allowance is recorded when these cash flows are below recorded investment .", "see table 33 : nonperforming assets by type within this credit risk management section for additional information .", "the alll balance increases or decreases across periods in relation to fluctuating risk factors , including asset quality trends , charge-offs and changes in aggregate portfolio balances .", "during 2012 , improving asset quality trends , including , but not limited to , delinquency status , improving economic conditions , realization of previously estimated losses through charge-offs and overall portfolio growth , combined to result in reducing the estimated credit losses within the portfolio .", "as a result , the alll balance declined $ 311 million , or 7% ( 7 % ) , to $ 4.0 billion during the year ended december 31 , 2012 .", "see note 7 allowances for loan and lease losses and unfunded loan commitments and letters of credit and note 6 purchased loans in the notes to consolidated financial statements in item 8 of this report regarding changes in the alll and in the allowance for unfunded loan commitments and letters of credit .", "credit default swaps from a credit risk management perspective , we use credit default swaps ( cds ) as a tool to manage risk concentrations in the credit portfolio .", "that risk management could come from protection purchased or sold in the form of single name or index products .", "when we buy loss protection by purchasing a cds , we pay a fee to the seller , or cds counterparty , in return for the right to receive a payment if a specified credit event occurs for a particular obligor or reference entity .", "when we sell protection , we receive a cds premium from the buyer in return for pnc 2019s obligation to pay the buyer if a specified credit event occurs for a particular obligor or reference entity .", "we evaluate the counterparty credit worthiness for all our cds activities .", "counterparty creditworthiness is approved based on a review of credit quality in accordance with our traditional credit quality standards and credit policies .", "the credit risk of our counterparties is monitored in the normal course of business .", "in addition , all counterparty credit lines are subject to collateral thresholds and exposures above these thresholds are secured .", "cdss are included in the 201cderivatives not designated as hedging instruments under gaap 201d section of table 54 : financial derivatives summary in the financial derivatives section of this risk management discussion .", "the pnc financial services group , inc .", "2013 form 10-k 97 ."], "table": [["dollars in millions", "2012", "2011"], ["january 1", "$ 4347", "$ 4887"], ["total net charge-offs", "-1289 ( 1289 )", "-1639 ( 1639 )"], ["provision for credit losses", "987", "1152"], ["net change in allowance for unfunded loan commitments and letters of credit", "-10 ( 10 )", "-52 ( 52 )"], ["other", "1", "-1 ( 1 )"], ["december 31", "$ 4036", "$ 4347"], ["net charge-offs to average loans ( for the year ended )", ".73% ( .73 % )", "1.08% ( 1.08 % )"], ["allowance for loan and lease losses to total loans", "2.17", "2.73"], ["commercial lending net charge-offs", "$ -359 ( 359 )", "$ -712 ( 712 )"], ["consumer lending net charge-offs", "-930 ( 930 )", "-927 ( 927 )"], ["total net charge-offs", "$ -1289 ( 1289 )", "$ -1639 ( 1639 )"], ["net charge-offs to average loans ( for the year ended )", "", ""], ["commercial lending", ".35% ( .35 % )", ".86% ( .86 % )"], ["consumer lending", "1.24", "1.33"]], "table_ori": [["Dollars in millions", "2012", "2011"], ["January 1", "$4,347", "$4,887"], ["Total net charge-offs", "(1,289)", "(1,639)"], ["Provision for credit losses", "987", "1,152"], ["Net change in allowance for unfunded loan commitments and letters of credit", "(10)", "(52)"], ["Other", "1", "(1)"], ["December 31", "$4,036", "$4,347"], ["Net charge-offs to average loans (for the year ended)", ".73%", "1.08%"], ["Allowance for loan and lease losses to total loans", "2.17", "2.73"], ["Commercial lending net charge-offs", "$(359)", "$(712)"], ["Consumer lending net charge-offs", "(930)", "(927)"], ["Total net charge-offs", "$(1,289)", "$(1,639)"], ["Net charge-offs to average loans (for the year ended)", "", ""], ["Commercial lending", ".35%", ".86%"], ["Consumer lending", "1.24", "1.33"]]}

Question: in 2012 what was the ratio of the decline in the provision for commercial lending credit losses to the consumers provision
Evidence:
text_2: for 2012 , the provision for commercial lending credit losses declined by $ 39 million or 22% ( 22 % ) from 2011 .
text_3: similarly , the provision for consumer lending credit losses decreased $ 126 million or 13% ( 13 % ) from 2011 .
Program: divide(39, 126)
Answer:
str_answer: 0.31
exe_answer: 0.30952