the hartford financial services group , inc . notes to consolidated financial statements ( continued ) 7 . deferred policy acquisition costs and present value of future profits ( continued ) results changes in the dac balance are as follows: .

2011: balance january 1: 9857
deferred costs: 2608
amortization 2014 dac: -2920
amortization 2014 dac from discontinued operations: 2014
amortization 2014 unlock benefit ( charge ) pre-tax [1]: -507
adjustments to unrealized gains and losses on securities available-for-sale and other [2]: -377
effect of currency translation: 83
cumulative effect of accounting change pre-tax [3]: 2014
balance december 31: 8744
2010: balance january 1: 10686
deferred costs: 2648
amortization 2014 dac: -2665
amortization 2014 dac from discontinued operations: -17
amortization 2014 unlock benefit ( charge ) pre-tax [1]: 138
adjustments to unrealized gains and losses on securities available-for-sale and other [2]: -1159
effect of currency translation: 215
cumulative effect of accounting change pre-tax [3]: 11
balance december 31: 9857
2009: balance january 1: 13248
deferred costs: 2853
amortization 2014 dac: -3247
amortization 2014 dac from discontinued operations: -10
amortization 2014 unlock benefit ( charge ) pre-tax [1]: -1010
adjustments to unrealized gains and losses on securities available-for-sale and other [2]: -1031
effect of currency translation: -39
cumulative effect of accounting change pre-tax [3]: -78
balance december 31: 10686

[1] the most significant contributors to the unlock charge recorded during the year ended december 31 , 2011 were assumption changes which reduced expected future gross profits including additional costs associated with implementing the japan hedging strategy and the u.s . variable annuity macro hedge program , as well as actual separate account returns below our aggregated estimated return . the most significant contributors to the unlock benefit recorded during the year ended december 31 , 2010 were actual separate account returns being above our aggregated estimated return . also included in the benefit are assumption updates related to benefits from withdrawals and lapses , offset by hedging , annuitization estimates on japan products , and long-term expected rate of return updates . the most significant contributors to the unlock charge recorded during the year ended december 31 , 2009 were the results of actual separate account returns being significantly below our aggregated estimated return for the first quarter of 2009 , partially offset by actual returns being greater than our aggregated estimated return for the period from april 1 , 2009 to december 31 , 2009 . [2] the most significant contributor to the adjustments was the effect of declining interest rates , resulting in unrealized gains on securities classified in aoci . other includes a $ 34 decrease as a result of the disposition of dac from the sale of the hartford investment canadian canada in 2010 . [3] for the year ended december 31 , 2010 the effect of adopting new accounting guidance for embedded credit derivatives resulted in a decrease to retained earnings and , as a result , a dac benefit . in addition , an offsetting amount was recorded in unrealized losses as unrealized losses decreased upon adoption of the new accounting guidance . for the year ended december 31 , 2009 the effect of adopting new accounting guidance for investments other- than- temporarily impaired resulted in an increase to retained earnings and , as a result , a dac charge . in addition , an offsetting amount was recorded in unrealized losses as unrealized losses increased upon adoption of the new accounting guidance . as of december 31 , 2011 , estimated future net amortization expense of present value of future profits for the succeeding five years is $ 39 , $ 58 , $ 24 , $ 23 and $ 22 in 2012 , 2013 , 2014 , 2015 and 2016 , respectively. .

Questions:
what is the net change in estimated future net amortization expense of present value of future profits from 2013 to 2014?
what percentage change does this represent?

Answers:
-34
58.6%