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

Question: in 2010 what was the percentage change in the deferred policy acquisition costs and present value of future profits
Program: subtract(9857, 10686), divide(#0, 10686)
Answer: -0.07758