sentence-transformers safetensors new sentence-similarity feature-extraction generated_from_trainer dataset_size:2240 loss:MultipleNegativesRankingLoss custom_code arxiv:1908.10084 arxiv:1705.00652 base_model:thomaskim1130/stella_en_400M_v5-FinanceRAG-v2 base_model:finetune:thomaskim1130/stella_en_400M_v5-FinanceRAG-v2 model-index autotrain_compatible text-embeddings-inference endpoints_compatible region:us
---
base_model: thomaskim1130/stella_en_400M_v5-FinanceRAG-v2
library_name: sentence-transformers
metrics:
- cosine_accuracy@1
- cosine_accuracy@3
- cosine_accuracy@5
- cosine_accuracy@10
- cosine_precision@1
- cosine_precision@3
- cosine_precision@5
- cosine_precision@10
- cosine_recall@1
- cosine_recall@3
- cosine_recall@5
- cosine_recall@10
- cosine_ndcg@10
- cosine_mrr@10
- cosine_map@100
- dot_accuracy@1
- dot_accuracy@3
- dot_accuracy@5
- dot_accuracy@10
- dot_precision@1
- dot_precision@3
- dot_precision@5
- dot_precision@10
- dot_recall@1
- dot_recall@3
- dot_recall@5
- dot_recall@10
- dot_ndcg@10
- dot_mrr@10
- dot_map@100
pipeline_tag: sentence-similarity
tags:
- sentence-transformers
- sentence-similarity
- feature-extraction
- generated_from_trainer
- dataset_size:2240
- loss:MultipleNegativesRankingLoss
widget:
- source_sentence: "Instruct: Given a web search query, retrieve relevant passages\
    \ that answer the query.\nQuery: Title: \nText: | _id | q616790e6 |\n| title |\
    \  |\n| text | what was the percentage decline in the operating loss from 2007\
    \ to 2008\n\nwhat percentage decline in operating loss from 2007 to 2008\n\n\n"
  sentences:
  - "Title: \nText: | _id | d1a72bce4 |\n| title |  |\n| text | Cost of Revenues and\
    \ Gross Margin\n\nCost of revenues in 2019 decreased by $4.3 million, or 16%,\
    \ as compared to 2018. The decrease was primarily driven by a reduction in the\
    \ number of global services and cloud infrastructure personnel, which led to a\
    \ decrease of $2.2 million in compensation and benefits expense, including stock-based\
    \ compensation expense, as compared to 2018. This reduction in headcount also\
    \ contributed to a decrease in allocated facilities and information technology\
    \ costs of $0.5 million in 2019. We also experienced a\n\nof $0.5 million in 2019.\
    \ We also experienced a decrease of $0.9 million in hosting costs in 2019, due\
    \ to a decline in the usage of our hosted platform as compared to 2018. Additionally,\
    \ depreciation decreased $0.5 million in 2019, due to the nature and timing of\
    \ capital expenditures and internal projects as compared to 2018.\n\nOur gross\
    \ margin decreased to 53% during 2019, as compared to 54% during 2018. This was\
    \ primarily due to our revenues, net declining during the year at a slightly faster\
    \ rate than the corresponding decrease in costs.\n\n| Years Ended December 31,\
    \ |                        | Change   |      \n---------------- | ------------------------\
    \ | ---------------------- | -------- | -----\n                 | 2019       \
    \              | 2018                   | $        | %    \n                 |\
    \                          | (dollars in thousands) |          |      \nCost of\
    \ revenues | $22,843                  | $27,154                | $(4,311) | (16)%\n\
    \nGross profit     | 26,193                   | 31,477                 | (6,284)\
    \  | (17) \nGross margin     | 53%                      | 54%                \
    \    |          |\n\nCost of Revenues Gross Margin\n\nCost revenues in 2019 decreased\
    \ by $4. 3 million, or 16%, compared to 2018. decrease driven by reduction in\
    \ number of global services and cloud infrastructure personnel led to decrease\
    \ of $2. 2 million in compensation and benefits expense, including stock-based\
    \ compensation expense compared to 2018. reduction in headcount contributed to\
    \ decrease in allocated facilities and information technology costs of $0. 5 million\
    \ in 2019. experienced decrease of $0. 9 million in hosting costs in 2019 due\
    \ to decline\n\n9 million in hosting costs in 2019 due to decline in usage of\
    \ hosted platform compared to 2018. depreciation decreased $0. 5 million in 2019\
    \ due to nature timing capital expenditures internal projects compared to 2018.\n\
    \ngross margin decreased to 53% during 2019 compared to 54% 2018. primarily due\
    \ to revenues, net declining year at slightly faster rate than decrease in costs.\n\
    \n| Years Ended December 31, |                        | Change   |      \n----------------\
    \ | ------------------------ | ---------------------- | -------- | -----\n   \
    \              | 2019                     | 2018                   | $       \
    \ | %    \n                 |                          | (dollars in thousands)\
    \ |          |      \nCost of revenues | $22,843                  | $27,154  \
    \              | $(4,311) | (16)%\nGross profit     | 26,193                 \
    \  | 31,477                 | (6,284)  | (17)\n\nGross margin     | 53%      \
    \                | 54%                    |          |\n\n\n"
  - "Title: \nText: | _id | d61679140 |\n| title |  |\n| text | with these types of\
    \ uncapped damage provisions are fairly rare , but individual contracts could\
    \ still represent meaningful risk .\nthere is a possibility that a damage claim\
    \ by a counterparty to one of these contracts could result in expenses to the\
    \ company that are far in excess of the revenue received from the counterparty\
    \ in connection with the contract .\n\nindemnification provisions : in addition\
    \ , the company may provide indemnifications for losses that result from the breach\
    \ of general warranties contained in certain commercial , intellectual property\
    \ and divestiture agreements .\nhistorically , the company has not made significant\
    \ payments under these agreements , nor have there been significant claims asserted\
    \ against the company .\nhowever , there is an increasing risk in relation to\
    \ intellectual property indemnities given the current legal climate .\n\nin indemnification\
    \ cases , payment by the company is conditioned on the other party making a claim\
    \ pursuant to the procedures specified in the particular contract , which procedures\
    \ typically allow the company to challenge the other party 2019s claims .\n\n\
    further , the company 2019s obligations under these agreements for indemnification\
    \ based on breach of representations and warranties are generally limited in terms\
    \ of duration , typically not more than 24 months , and for amounts not in excess\
    \ of the contract value , and in some instances the company may have recourse\
    \ against third parties for certain payments made by the company .\n\nlegal matters\
    \ : the company is a defendant in various lawsuits , claims and actions , which\
    \ arise in the normal course of business .\nthese include actions relating to\
    \ products , contracts and securities , as well as matters initiated by third\
    \ parties or motorola relating to infringements of patents , violations of licensing\
    \ arrangements and other intellectual property-related matters .\n\nin the opinion\
    \ of management , the ultimate disposition of these matters will not have a material\
    \ adverse effect on the company 2019s consolidated financial position , liquidity\
    \ or results of operations .\nsegment information the following commentary should\
    \ be read in conjunction with the financial results of each reporting segment\
    \ as detailed in note 12 , 201cinformation by segment and geographic region ,\
    \ 201d to the company 2019s consolidated financial statements .\n\nnet sales and\
    \ operating results for the company 2019s three operating segments for 2008 ,\
    \ 2007 and 2006 are presented below .\nmobile devices segment the mobile devices\
    \ segment designs , manufactures , sells and services wireless handsets with integrated\
    \ software and accessory products , and licenses intellectual property .\nin 2008\
    \ , the segment 2019s net sales represented 40% ( 40 % ) of the company 2019s\
    \ consolidated net sales , compared to 52% ( 52 % ) in 2007 and 66% ( 66 % ) in\
    \ 2006 .\n\n( dollars in millions ) 2008 2007 2006 2008 20142007 2007 20142006\
    \ years ended december 31 percent change .\n\n( dollars in millions )     | years\
    \ ended december 31 2008 | years ended december 31 2007 | years ended december\
    \ 31 2006 | years ended december 31 2008 20142007 | 2007 20142006  \n---------------------------\
    \ | ---------------------------- | ---------------------------- | ----------------------------\
    \ | ------------------------------------- | ---------------\n\nsegment net sales\
    \           | $ 12099                      | $ 18988                      | $\
    \ 28383                      | ( 36 ) % (  % )                       | ( 33 )\
    \ % (  % )\noperating earnings ( loss ) | -2199 ( 2199 )               | -1201\
    \ ( 1201 )               | 2690                         | 83% ( 83 % )       \
    \                   | ***\n\n*** percentage change is not meaningful .\nsegment\
    \ results 20142008 compared to 2007 in 2008 , the segment 2019s net sales were\
    \ $ 12.1 billion , a decrease of 36% ( 36 % ) compared to net sales of $ 19.0\
    \ billion in 2007 .\nthe 36% ( 36 % ) decrease in net sales was primarily driven\
    \ by a 37% ( 37 % ) decrease in unit shipments .\n\nthe segment 2019s net sales\
    \ were negatively impacted by the segment 2019s limited product offerings in critical\
    \ market segments , particularly 3g products , including smartphones , as well\
    \ as very low-tier products .\nin addition , the segment 2019s net sales were\
    \ impacted by the global economic downturn in the second half of 2008 , which\
    \ resulted in the slowing of end user demand .\n\non a product technology basis\
    \ , net sales decreased substantially for gsm and cdma technologies and , to a\
    \ lesser extent , decreased for iden and 3g technologies .\non a geographic basis\
    \ , net sales decreased substantially in north america , the europe , middle east\
    \ and africa region ( 201cemea 201d ) and asia and , to a lesser extent , decreased\
    \ in latin america .\nthe segment incurred an operating loss of $ 2.2 billion\
    \ in 2008 , compared to an operating loss of $ 1.2 billion in 2007 .\n\nthe increase\
    \ in the operating loss was primarily due to a decrease in gross margin , driven\
    \ by : ( i ) a 36% ( 36 % ) decrease in net sales , ( ii ) excess inventory and\
    \ other related charges of $ 370 million in 2008 due to a decision to 61management\
    \ 2019s discussion and analysis of financial condition and results of operations\
    \ %%transmsg*** transmitting job : c49054 pcn : 064000000 ***%%pcmsg|61 |00028|yes|no|02/24/2009\
    \ 12:31|0|0|page is valid , no graphics -- color : n|\n\nuncapped damage provisions\
    \ rare , but individual contracts could still represent meaningful risk.\n possibility\
    \ that damage claim by counterparty to contracts could result in expenses to company\
    \ in excess of revenue received from counterparty in with contract.\n indemnification\
    \ provisions : company may provide indemnifications for losses from breach of\
    \ general warranties in certain commercial , intellectual property and divestiture\
    \ agreements.\n\nhistorically  company not made significant payments under these\
    \ agreements , nor significant claims asserted against company.\n , increasing\
    \ risk in to intellectual property indemnities given current legal climate.\n\
    \ in indemnification cases , payment by company is conditioned on other party\
    \ making claim pursuant to procedures specified in contract , procedures typically\
    \ allow company to challenge other party 2019s claims.\n\ncompany 2019s obligations\
    \ under these agreements for indemnification based on breach of representations\
    \ and warranties generally limited in duration typically not more than 24 months\
    \  for amounts not in excess of contract value , in some instances company may\
    \ have recourse against third parties for certain payments made by company.\n\
    \ legal matters : company is a defendant in various lawsuits , claims and actions\
    \ , in normal course of business.\n\ninclude actions relating to products , contracts\
    \ securities , matters initiated by third parties or motorola relating to infringements\
    \ of patents , violations of licensing arrangements other intellectual property-related\
    \ matters.\n in opinion of management  ultimate disposition of these matters will\
    \ not have material adverse effect on company 2019s consolidated financial position\
    \ , liquidity or results of operations.\n\nsegment information following commentary\
    \ should be read in conjunction with financial results of each reporting segment\
    \ as detailed in note 12 , 201cinformation by segment and geographic region ,\
    \ 201d to company 2019s consolidated financial statements.\nnet sales operating\
    \ results for company 2019s three operating segments for 2008 , 2007 2006 presented\
    \ below.\n\nmobile devices segment segment designs  manufactures  sells services\
    \ wireless handsets with integrated software accessory products licenses intellectual\
    \ property.\n in 2008  segment 2019s net sales represented 40% ( 40 % ) of company\
    \ 2019s consolidated net sales compared to 52% ( 52 % ) in 2007 66% ( 66 % ) in\
    \ 2006.\n ( dollars in millions ) 2008 2007 2006 2008 20142007 20142006 years\
    \ ended december 31 percent change.\n percentage change not meaningful.\n\npercentage\
    \ change not meaningful.\n segment results 20142008 compared to 2007 in 2008 segment\
    \ 2019s net sales were $ 12. 1 billion  decrease of 36% ( 36 % ) compared to net\
    \ sales $ 19. 0 billion in 2007.\n 36% ( 36 % ) decrease in net sales primarily\
    \ driven by 37% ( 37 % ) decrease in unit shipments.\n segment 2019s net sales\
    \ negatively impacted by segment 2019s limited product offerings in critical market\
    \ segments  particularly 3g products  including smartphones very low-tier products.\n\
    \nsegment 2019s net sales impacted by global economic downturn in second half\
    \ of 2008 resulted in slowing of end user demand.\n product technology basis net\
    \ sales decreased substantially for gsm and cdma technologies lesser decreased\
    \ for iden and 3g technologies.\n geographic basis net sales decreased substantially\
    \ in north america europe middle east and africa region asia lesser decreased\
    \ in latin america.\n\nsegment incurred operating loss of $ 2. 2 billion in 2008\
    \  compared to operating loss of $ 1. 2 billion in 2007.\n\n( dollars in millions\
    \ )     | years ended december 31 2008 | years ended december 31 2007 | years\
    \ ended december 31 2006 | years ended december 31 2008 20142007 | 2007 20142006\
    \  \n--------------------------- | ---------------------------- | ----------------------------\
    \ | ---------------------------- | ------------------------------------- | ---------------\n\
    \nsegment net sales           | $ 12099                      | $ 18988       \
    \               | $ 28383                      | ( 36 ) % (  % )             \
    \          | ( 33 ) % (  % )\noperating earnings ( loss ) | -2199 ( 2199 )   \
    \            | -1201 ( 1201 )               | 2690                         | 83%\
    \ ( 83 % )                          | ***\n\nthe increase in the operating loss\
    \ was primarily due to a decrease in gross margin , driven by : ( i ) a 36% (\
    \ 36 % ) decrease in net sales , ( ii ) excess inventory and other related charges\
    \ of $ 370 million in 2008 due to a decision to 61management 2019s discussion\
    \ and analysis of financial condition and results of operations %%transmsg***\
    \ transmitting job : c49054 pcn : 064000000 ***%%pcmsg|61 |00028|yes|no|02/24/2009\
    \ 12:31|0|0|page is valid , no graphics -- color : n|\n\n\n"
  - "Title: \nText: | _id | d1a73c7c4 |\n| title |  |\n| text | BELL WIRELESS RESULTS\n\
    REVENUES\nBell Wireless operating revenues increased by 3.7% in 2019, compared\
    \ to 2018, driven by greater postpaid and prepaid service revenues and higher\
    \ product revenues.\n\nService revenues increased by 2.5% in 2019, compared to\
    \ last year, driven by: • Continued growth in our postpaid and prepaid subscriber\
    \ base coupled with rate increases • A greater mix of customers subscribing to\
    \ higher-value monthly plans including unlimited data plans launched in June 2019\
    \ • The favourable year-over-year impact from the 2018 CRTC retroactive decision\
    \ on wireless domestic wholesale roaming rates\n\nThese factors were partly offset\
    \ by: • Greater sales of premium handsets and more customers subscribing to higher-value\
    \ monthly plans • Lower data and voice overages driven by increased customer adoption\
    \ of monthly plans with higher data allotments and richer voice plans\nProduct\
    \ revenues increased by 6.6% in 2019, compared to last year, driven by greater\
    \ sales of premium handsets and the impact of higher-value rate plans in our sales\
    \ mix.\n\n| 2019  | 2018  | $ CHANGE | % CHANGE\n--------------------------------\
    \ | ----- | ----- | -------- | --------\nExternal service revenues        | 6,427\
    \ | 6,269 | 158      | 2.5%    \nInter-segment service revenues   | 49    | 48\
    \    | 1        | 2.1%    \nTotal operating service revenues | 6,476 | 6,317 |\
    \ 159      | 2.5%    \nExternal product revenues        | 2,660 | 2,497 | 163\
    \      | 6.5%    \nInter-segment product revenues   | 6     | 4     | 2      \
    \  | 50.0%\n\nTotal operating product revenues | 2,666 | 2,501 | 165      | 6.6%\
    \    \nTotal Bell Wireless revenues     | 9,142 | 8,818 | 324      | 3.7%\n\n\
    BELL WIRELESS RESULTS\n REVENUES\n Bell Wireless operating revenues increased\
    \ 3. 7% 2019 compared to 2018 driven by greater postpaid prepaid service revenues\
    \ higher product revenues.\n\nService revenues increased 2. 5% 2019 compared last\
    \ year driven by Continued growth in postpaid prepaid subscriber base rate increases\
    \ greater mix of customers subscribing higher-value monthly plans including unlimited\
    \ data plans launched June 2019 favourable year-over-year impact from 2018 CRTC\
    \ retroactive decision on wireless domestic wholesale roaming rates\n\nfactors\
    \ offset by Greater sales premium handsets more customers subscribing higher-value\
    \ monthly plans Lower data voice overages driven by increased customer adoption\
    \ of monthly plans with higher data allotments richer voice plans\n Product revenues\
    \ increased 6. 6% 2019 compared last year driven by greater sales of premium handsets\
    \ impact higher-value rate plans in sales mix.\n\n| 2019  | 2018  | $ CHANGE |\
    \ % CHANGE\n-------------------------------- | ----- | ----- | -------- | --------\n\
    External service revenues        | 6,427 | 6,269 | 158      | 2.5%    \nInter-segment\
    \ service revenues   | 49    | 48    | 1        | 2.1%    \nTotal operating service\
    \ revenues | 6,476 | 6,317 | 159      | 2.5%    \nExternal product revenues  \
    \      | 2,660 | 2,497 | 163      | 6.5%    \nInter-segment product revenues \
    \  | 6     | 4     | 2        | 50.0%\n\nTotal operating product revenues | 2,666\
    \ | 2,501 | 165      | 6.6%    \nTotal Bell Wireless revenues     | 9,142 | 8,818\
    \ | 324      | 3.7%\n\n\n"
- source_sentence: "Instruct: Given a web search query, retrieve relevant passages\
    \ that answer the query.\nQuery: Title: \nText: | _id | q822237e8 |\n| title |\
    \  |\n| text | what was the percentage change in weighted average shares outstanding\
    \ for diluted net earnings per share from 2006 to 2007?\n\npercentage change in\
    \ weighted average shares for diluted net earnings per share 2006 to 2007?\n\n\
    \n"
  sentences:
  - "Title: \nText: | _id | PG20230221 |\n| title |  |\n| text | The following provides\
    \ additional detail on our reportable segments and the ten product categories\
    \ and brand composition within each segment. Reportable Segments##% of Net Sales\
    \ (1)##% of Net Earnings (1)##Product Categories (Sub-Categories)##Major Brands\
    \ Beauty##18%##21%##Hair Care (Conditioners, Shampoos, Styling Aids, Treatments)##Head\
    \ & Shoulders, Herbal Essences, Pantene, Rejoice ######Skin and Personal Care\
    \ (Antiperspirants and Deodorants, Personal Cleansing, Skin Care)##Olay, Old Spice,\
    \ Safeguard,\n\nSkin Care)##Olay, Old Spice, Safeguard, Secret, SK-II Grooming\
    \ (2)##8%##10%##Grooming (Appliances, Female Blades & Razors, Male Blades & Razors,\
    \ Pre- and Post-Shave Products, Other Grooming)##Braun, Gillette, Venus Health\
    \ Care##14%##14%##Oral Care (Toothbrushes, Toothpastes, Other Oral Care)##Crest,\
    \ Oral-B ######Personal Health Care (Gastrointestinal, Pain Relief, Rapid Diagnostics,\
    \ Respiratory, Vitamins/Minerals/Supplements, Other Personal Health Care)##Metamucil,\
    \ Neurobion, Pepto-Bismol, Vicks Fabric &\n\nNeurobion, Pepto-Bismol, Vicks Fabric\
    \ & Home Care##35%##32%##Fabric Care (Fabric Enhancers, Laundry Additives, Laundry\
    \ Detergents)##Ariel, Downy, Gain, Tide ######Home Care (Air Care, Dish Care,\
    \ P&G Professional, Surface Care)##Cascade, Dawn, Fairy, Febreze, Mr. Clean, Swiffer\
    \ Baby, Feminine & Family Care##25%##23%##Baby Care (Baby Wipes, Taped Diapers\
    \ and Pants)##Luvs, Pampers ######Feminine Care (Adult Incontinence, Feminine\
    \ Care)##Always, Always Discreet, Tampax ######Family Care (Paper Towels, Tissues,\n\
    \nTampax ######Family Care (Paper Towels, Tissues, Toilet Paper)##Bounty, Charmin,\
    \ Puffs\n\ndetail reportable segments ten product categories brand composition.\
    \ Reportable Segments% Net Sales (1) Net Earnings (1)#Product Categories-Categories#Major\
    \ Brands Beauty#18%##21%#Hair Care (Conditioners Shampoos Styling Aids Treatments)#Head\
    \ & Shoulders Herbal Essences Pantene Rejoice ######Skin Personal Care (Antiperspirants\
    \ Deodorants Personal Cleansing Skin Care)#Olay Old Spice Safeguard Secret SK-II\
    \ Grooming#8%##10%#Grooming (Appliances Female Blades Razors Male Blades Razors\
    \ Pre- Post-Shave Products\n\nMale Blades Razors Pre- Post-Shave Products Other\
    \ Grooming)#Braun, Gillette Venus Health Care#14%##14%#Oral Care (Toothbrushes\
    \ Toothpastes Other Oral Care#Crest Oral-B Health Care (Gastrointestinal Pain\
    \ Relief Rapid Diagnostics Respiratory Vitamins/Minerals/Supplements Other Personal\
    \ Health Care)#Metamucil Neurobion Pepto-Bismol Vicks Fabric Home Care#35%##32%#Fabric\
    \ Care (Fabric Enhancers Laundry Additives Laundry Detergents)#Ariel, Downy Gain\
    \ Tide Care (Air Care Dish Care P&G Professional Surface\n\nCare (Air Care Dish\
    \ Care P&G Professional Surface Care)#Cascade, Dawn, Fairy Febreze Mr. Clean Swiffer\
    \ Baby Feminine Family Care#25%##23%#Baby Care (Baby Wipes Taped Diapers Pants)#Luvs\
    \ Pampers Care (Adult Incontinence Feminine Care)#Always, Always Discreet Tampax\
    \ ######Family Care (Paper Towels Tissues Toilet Paper)#Bounty, Charmin Puffs\n\
    \n\n"
  - "Title: \nText: | _id | d82223914 |\n| title |  |\n| text | ABIOMED, INC.  AND\
    \ SUBSIDIARIES Notes to Consolidated Financial Statements—(Continued) Note 12.\n\
    Stock Award Plans and Stock Based Compensation (Continued) Restricted Stock The\
    \ following table summarizes restricted stock activity for the fiscal year ended\
    \ March 31, 2009:\n|  | March 31, 2009 |\n|  | Number of Shares (in thousands)\
    \ | Grant Date Fair Value |\n| Restricted stock awards at March 31, 2008 | 54\
    \ | $11.52 |\n| Granted | 666 | 16.75 |\n| Vested | -167 | 14.65 |\n| Forfeited\
    \ | -73 | 17.53 |\n\n| Forfeited | -73 | 17.53 |\n| Restricted stock awards at\
    \ March 31, 2009 | 480 | $16.77 |\nThe remaining unrecognized compensation expense\
    \ for restricted stock awards at March 31, 2009 was $4.6 million.\nThe weighted\
    \ average remaining contractual life for restricted stock awards at March 31,\
    \ 2009 and 2008 was 1.8 and 2.4 years, respectively.\n\nIn May 2008, 260,001 shares\
    \ of restricted stock were issued to certain executive officers and certain members\
    \ of senior management of the Company, of which 130,002 of these shares vest upon\
    \ achievement of a prescribed performance milestone.\nIn September 2008, the Company\
    \ met the prescribed performance milestone, and all of these performance-based\
    \ shares vested.\nIn connection with the vesting of these shares, these employees\
    \ paid withholding taxes due by returning 39,935 shares valued at $0.7 million.\n\
    \nThese shares have been recorded as treasury stock as of March 31, 2009.\nThe\
    \ remaining 129,999 of the restricted shares award vest ratably over four years\
    \ from the grant date.\nThe stock compensation expense for the restricted stock\
    \ awards is recognized on a straight-line basis over the vesting period, based\
    \ on the probability of achieving the performance milestones.\n\nIn August 2008,\
    \ 406,250 shares of restricted stock were issued to certain executive officers\
    \ and certain members of senior management of the Company, all of which could\
    \ vest upon achievement of certain prescribed performance milestones.\nIn March\
    \ 2009, the Company met a prescribed performance milestone, and a portion of these\
    \ performance-based shares vested.\n\nThe remaining stock compensation expense\
    \ for the restricted stock awards is being recognized on a straight-line basis\
    \ over the vesting period through March 31, 2011 based on the probability of achieving\
    \ the performance milestones.\nThe cumulative effects of changes in the probability\
    \ of achieving the milestones will be recorded in the period in which the changes\
    \ occur.\n\nDuring the year ended March 31, 2008, 60,000 shares of restricted\
    \ stock were issued to certain executive officers of the Company that vest on\
    \ the third anniversary of the date of grant.\nThe stock compensation expense\
    \ for the restricted stock awards is recognized on a straight-line basis over\
    \ the vesting period.\n\nABIOMED, INC. AND SUBSIDIARIES Notes to Consolidated\
    \ Financial Statements—(Continued) Note 12.\n Stock Award Plans and Stock Based\
    \ Compensation (Continued) Restricted Stock table summarizes restricted stock\
    \ activity for fiscal year ended March 31, 2009:\n weighted average remaining\
    \ contractual life for restricted stock awards at March 31, 2009 and 2008 was\
    \ 1. 8 and 2. 4 years, respectively.\n\nIn May 2008, 260,001 shares of restricted\
    \ stock issued to executive officers and members of senior management Company\
    \ 130,002 shares vest upon achievement of prescribed performance milestone.\n\
    \ In September 2008, Company met prescribed performance milestone all performance-based\
    \ shares vested.\n vesting shares employees paid withholding taxes due by returning\
    \ 39,935 shares valued at $0. 7 million.\n These shares recorded as treasury stock\
    \ as of March 31, 2009.\n\nremaining 129,999 of restricted shares award vest ratably\
    \ over four years from grant date.\n stock compensation expense for restricted\
    \ stock awards recognized on straight-line basis over vesting period, based on\
    \ probability of achieving performance milestones.\n In August 2008, 406,250 shares\
    \ of restricted stock issued to executive officers and members of senior management\
    \ Company all could vest upon achievement of prescribed performance milestones.\n\
    \nIn March 2009, Company met prescribed performance milestone, portion of performance-based\
    \ shares vested.\n remaining stock compensation expense for restricted stock awards\
    \ recognized straight-line basis over vesting period through March 31, 2011 based\
    \ on probability of achieving performance milestones.\n cumulative effects of\
    \ changes in probability of achieving milestones recorded in period in changes\
    \ occur.\n\nDuring year ended March 31, 2008, 60,000 shares of restricted stock\
    \ issued to executive officers Company that vest on third anniversary of date\
    \ of grant.\nstock compensation expense for restricted stock awards recognized\
    \ on straight-line basis over vesting period.\n\n|  | March 31, 2009 |\n|  | Number\
    \ of Shares (in thousands) | Grant Date Fair Value |\n| Restricted stock awards\
    \ at March 31, 2008 | 54 | $11.52 |\n| Granted | 666 | 16.75 |\n| Vested | -167\
    \ | 14.65 |\n| Forfeited | -73 | 17.53 |\n| Restricted stock awards at March 31,\
    \ 2009 | 480 | $16.77 |\n\n\n"
  - "Title: \nText: | _id | d82aee67a |\n| title |  |\n| text | |  | Options |\n|\
    \  | Source of Fair Value | Maturity Less Than 1 Year | Maturity 1 to 3 Years\
    \ | Maturity 4 to 5 Years | Maturity Greater Than 5 Years | Total Options Fair\
    \ Value |\n|  | (Thousands of Dollars) |\n| NSP-Minnesota | 2 | $514 | $— | $—\
    \ | $— | $514 |\n| PSCo | 2 | 3,241 | — | — | — | 3,241 |\n| NSP-Wisconsin | 2\
    \ | 20 | — | — | — | 20 |\n| Total Options Fair Value |  | $3,775 | $— | $— |\
    \ $— | $3,775 |\n\n1 \x80\x94 Prices actively quoted or based on actively quoted\
    \ prices.2 \x80\x94 Prices based on models and other valuation methods.\nThese\
    \ represent the fair value of positions calculated using internal models when\
    \ directly and indirectly quoted external prices or prices derived from external\
    \ sources are not available.\nInternal models incorporate the use of options pricing\
    \ and estimates of the present value of cash flows based upon underlying contractual\
    \ terms.\n\nThe models reflect management\x80\x99s estimates, taking into account\
    \ observable market prices, estimated market prices in the absence of quoted market\
    \ prices, the risk-free market discount rate, volatility factors, estimated correlations\
    \ of commodity prices and contractual volumes.\nMarket price uncertainty and other\
    \ risks also are factored into the model.\n* \x80\x94 SPS conducts an inconsequential\
    \ amount of commodity trading.\n\nMargins from commodity trading activity are\
    \ partially redistributed to SPS, NSP-Minnesota, and PSCo, pursuant to the JOA\
    \ approved by the FERC.\nAs a result of the JOA, margins received pursuant to\
    \ the JOA are reflected as part of the fair values by source for the commodity\
    \ trading net asset or liability balances.\n\nNormal purchases and sales transactions,\
    \ as defined by SFAS No.133 and certain other long-term power purchase contracts\
    \ are not included in the fair values by source tables as they are not recorded\
    \ at fair value as part of commodity trading operations and are not qualifying\
    \ hedges.\n\nAt Dec.  31, 2006, a 10-percent increase in market prices over the\
    \ next 12 months for commodity trading contracts would increase pretax income\
    \ from continuing operations by approximately $0.9 million, whereas a 10-percent\
    \ decrease would decrease pretax income from continuing operations by approximately\
    \ $1.1 million.\n\nXcel Energy\x80\x99s short-term wholesale and commodity trading\
    \ operations measure the outstanding risk exposure to price changes on transactions,\
    \ contracts and obligations that have been entered into, but not closed, using\
    \ an industry standard methodology known as VaR.\nVaR expresses the potential\
    \ change in fair value on the outstanding transactions, contracts and obligations\
    \ over a particular period of time, with a given confidence interval under normal\
    \ market conditions.\n\nXcel Energy utilizes the variance/covariance approach\
    \ in calculating VaR.\nThe VaR model employs a 95-percent confidence interval\
    \ level based on historical price movement, lognormal price distribution assumption,\
    \ delta half-gamma approach for non-linear instruments and a three-day holding\
    \ period for both electricity and natural gas.\nVaR is calculated on a consolidated\
    \ basis.\nThe VaRs for the commodity trading operations were:\n\nrepresent fair\
    \ value of positions calculated using internal models when indirectly quoted external\
    \ prices or prices from external sources not available.\n Internal models incorporate\
    \ options pricing estimates of present value of cash flows based upon underlying\
    \ contractual terms.\n models reflect management\x80\x99s estimates observable\
    \ market prices, estimated market prices quoted market prices risk-free market\
    \ discount rate volatility factors estimated correlations of commodity prices\
    \ contractual volumes.\n\nMarket price uncertainty other risks factored into model.\n\
    \ SPS conducts inconsequential amount of commodity trading.\n Margins from commodity\
    \ trading activity partially redistributed to SPS, NSP-Minnesota PSCo JOA approved\
    \ by FERC.\n result JOA margins received reflected as part of fair values by source\
    \ for commodity trading net asset or liability balances.\n\nNormal purchases and\
    \ sales transactions, as defined by SFAS No. 133 certain other long-term power\
    \ purchase contracts not included in fair values by source tables not recorded\
    \ at fair value as part of commodity trading operations not qualifying hedges.\n\
    \nAt Dec. 31, 2006, 10-percent increase in market prices over next 12 months for\
    \ commodity trading contracts would increase pretax income from continuing operations\
    \ by approximately $0. 9 million 10-percent decrease decrease pretax income from\
    \ continuing operations by approximately $1. 1 million.\n\nXcel Energy\x80\x99\
    s short-term wholesale and commodity trading operations measure outstanding risk\
    \ exposure to price changes on transactions, contracts obligations entered into\
    \ but not closed using industry standard methodology known as VaR.\n VaR expresses\
    \ potential change in fair value on outstanding transactions, contracts obligations\
    \ over particular period of time with given confidence interval under normal market\
    \ conditions.\n Xcel Energy utilizes variance/covariance approach in calculating\
    \ VaR.\n\nVaR model employs 95-percent confidence interval based historical price\
    \ movement lognormal price distribution assumption delta half-gamma approach for\
    \ non-linear instruments three-day holding period for electricity and natural\
    \ gas.\n VaR calculated consolidated basis.\n VaRs for commodity trading operations\
    \ were:\n\n|  | Options |\n|  | Source of Fair Value | Maturity Less Than 1 Year\
    \ | Maturity 1 to 3 Years | Maturity 4 to 5 Years | Maturity Greater Than 5 Years\
    \ | Total Options Fair Value |\n|  | (Thousands of Dollars) |\n| NSP-Minnesota\
    \ | 2 | $514 | $— | $— | $— | $514 |\n| PSCo | 2 | 3,241 | — | — | — | 3,241 |\n\
    | NSP-Wisconsin | 2 | 20 | — | — | — | 20 |\n| Total Options Fair Value |  | $3,775\
    \ | $— | $— | $— | $3,775 |\n\n\n"
- source_sentence: "Instruct: Given a web search query, retrieve relevant passages\
    \ that answer the query.\nQuery: Title: \nText: | _id | q84fcfe76 |\n| title |\
    \  |\n| text | What is the ratio of Greater than twelve to twenty-four months\
    \ for Carrying amount of Private to the total in 2009?\n\nratio of Greater than\
    \ twelve to twenty-four months for Carrying amount Private to total in 2009?\n\
    \n\n"
  sentences:
  - "Title: \nText: | _id | d812326ea |\n| title |  |\n| text | Principal Financial\
    \ Group, Inc.  Notes to Consolidated Financial Statements — (continued) 10.\n\
    Debt — (continued) Long-Term Debt The components of long-term debt as of December\
    \ 31, 2009 and 2008, were as follows:\n|  | December 31, |\n|  | 2009 | 2008 |\n\
    |  | (in millions) |\n| 8.2% notes payable, due 2009 | $— | $454.9 |\n| 3.31%\
    \ notes payable, due 2011 | 61.2 | 49.9 |\n| 3.63% notes payable, due 2011 | 31.4\
    \ | 25.6 |\n| 7.875% notes payable, due 2014 | 400.0 | — |\n| 8.875% notes payable,\
    \ due 2019 | 350.0 | — |\n\n| 8.875% notes payable, due 2019 | 350.0 | — |\n|\
    \ 6.05% notes payable, due 2036 | 601.8 | 601.8 |\n| 8% surplus notes payable,\
    \ due 2044 | 99.2 | 99.2 |\n| Non-recourse mortgages and notes payable | 40.6\
    \ | 58.7 |\n| Other mortgages and notes payable | 0.4 | 0.4 |\n| Total long-term\
    \ debt | $1,584.6 | $1,290.5 |\nThe amounts included above are net of the discount\
    \ and premium associated with issuing these notes, which are being amortized to\
    \ expense over their respective terms using the interest method.\n\nOn May 18,\
    \ 2009, we issued $750.0 million of senior notes.\nWe issued a $400.0 million\
    \ series of notes that bear interest at 7.875% and will mature on May 15, 2014,\
    \ and a $350.0 million series of notes that bear interest at 8.875% and will mature\
    \ on May 15, 2019.\nInterest on the notes is payable semi-annually on May 15 and\
    \ November 15 each year, beginning on November 15, 2009.\n\nThe proceeds were\
    \ primarily used to refinance $440.9 million of notes that matured on August 15,\
    \ 2009, with the remaining proceeds being used for general corporate purposes.\n\
    On October 16 and December 5, 2006, we issued $500.0 million and $100.0 million,\
    \ respectively, of senior notes.\nThe notes bear interest at a rate of 6.05% per\
    \ year.\nInterest on the notes is payable semi-annually on April 15 and October\
    \ 15 each year and began on April 15, 2007.\nThe notes will mature on October\
    \ 15, 2036.\n\nThe notes will mature on October 15, 2036.\nA portion of the proceeds\
    \ were used to fund the 2006 acquisition of WM Advisors, Inc. , with the remaining\
    \ proceeds being used for general corporate purposes.\nOn November 3, 2005, Principal\
    \ International de Chile S. A. , a wholly owned indirect subsidiary, entered into\
    \ long-term borrowing agreements with two Chilean banks in the amount of US $93.9\
    \ million.\n\nThis debt is denominated in Unidades de Formento (‘‘UF’’), a Chilean\
    \ inflation-indexed, peso-denominated monetary unit.\nOf this amount, US $49.0\
    \ million of UF +3.31% notes, which was refinanced from +4.59% during 2007, and\
    \ US $44.9 million of UF +3.63% notes, which was refinanced from +4.93% in 2007,\
    \ mature on November 3, 2011.\nInterest on the notes is payable semi-annually\
    \ on May 3 and November 3 each year.\n\nThe debt outstanding and interest expense\
    \ will vary due to fluctuations in the Chilean peso to US dollar exchange rates\
    \ and Chilean inflation.\nOn August 25, 1999, Principal Financial Group (Australia)\
    \ Holdings Pty.\nLimited, a wholly owned indirect subsidiary, issued $665.0 million\
    \ of unsecured redeemable long-term debt.\nPrincipal Financial Group (Australia)\
    \ Holdings Pty.\n\nLimited used the net proceeds from the notes to partially fund\
    \ the purchase of the outstanding stock of several companies affiliated with Bankers\
    \ Trust Australia Group.\nOn December 28, 2001, all of the long-term debt obligations\
    \ of Principal Financial Group (Australia) Holdings Pty.\n\nLimited were assumed\
    \ by its parent, Principal Financial Services, Inc.  Of the original amount issued,\
    \ $200.0 million of 7.95% notes matured on August 15, 2004, with the remaining\
    \ $465.0 million in 8.2% notes maturing on August 15, 2009.\nThe note was paid\
    \ in full during 2009.\nOn March 10, 1994, Principal Life issued $100.0 million\
    \ of surplus notes due March 1, 2044, at an 8% annual interest rate.\nNone of\
    \ our affiliates hold any portion of the notes.\n\nEach payment of interest and\
    \ principal on the notes, however, may be made only with the prior approval of\
    \ the Commissioner of Insurance of the State of Iowa (the ‘‘Commissioner’’) and\
    \ only to the extent that Principal Life has sufficient surplus earnings to make\
    \ such payments.\nInterest of $8.0 million for each of the years ended December\
    \ 31, 2009, 2008 and 2007 was approved by the Commissioner, and charged to expense.\n\
    \nSubject to Commissioner approval, the notes due March 1, 2044, may be redeemed\
    \ at Principal Life’s election on or after March 1, 2014, in whole or in part\
    \ at a redemption price of approximately 102.3% of par.\nThe approximate 2.3%\
    \ premium is scheduled to gradually diminish over the following ten years.\nThese\
    \ notes may be redeemed on or after March 1, 2024, at a redemption price of 100%\
    \ of the principal amount plus interest accrued to the date of redemption.\n\n\
    The non-recourse mortgages, other mortgages and notes payable are primarily financings\
    \ for real estate developments.\nOutstanding principal balances as of December\
    \ 31, 2009, ranged from $5.9 million to $9.1 million per\n|  | December 31, 2008\
    \ |\n|  | Public | Private | Total |\n|  | Carrying amount | Gross unrealized\
    \ losses | Carrying amount | Gross unrealized losses | Carrying amount | Gross\
    \ unrealized losses |\n|  | (in millions) |\n\n|  | (in millions) |\n| Three months\
    \ or less | $3,086.0 | $194.4 | $1,188.1 | $99.5 | $4,274.1 | $293.9 |\n| Greater\
    \ than three to six months | 4,213.7 | 467.9 | 1,673.6 | 236.4 | 5,887.3 | 704.3\
    \ |\n| Greater than six to nine months | 3,014.0 | 620.7 | 1,566.6 | 290.6 | 4,580.6\
    \ | 911.3 |\n| Greater than nine to twelve months | 2,321.0 | 743.0 | 1,259.7\
    \ | 460.1 | 3,580.7 | 1,203.1 |\n| Greater than twelve to twenty-four months |\
    \ 3,042.0 | 1,507.5 | 2,217.1 | 1,519.7 | 5,259.1 | 3,027.2 |\n\n| Greater than\
    \ twenty-four to thirty-six months | 1,045.2 | 296.1 | 312.5 | 217.1 | 1,357.7\
    \ | 513.2 |\n| Greater than thirty-six months | 1,363.8 | 423.5 | 698.2 | 265.8\
    \ | 2,062.0 | 689.3 |\n| Total fixed maturity securities, available-for-sale |\
    \ $18,085.7 | $4,253.1 | $8,915.8 | $3,089.2 | $27,001.5 | $7,342.3 |\n\nThe following\
    \ tables present the carrying amount and the gross unrealized losses, including\
    \ other-than-temporary impairment losses reported in OCI, on below investment\
    \ grade fixed maturity securities available-for-sale by aging category for the\
    \ time periods indicated.\n|  | December 31, 2009 |\n|  | Public | Private | Total\
    \ |\n|  | Carrying amount | Gross unrealized losses | Carrying amount | Gross\
    \ unrealized losses | Carrying amount | Gross unrealized losses |\n|  | (in millions)\
    \ |\n\n|  | (in millions) |\n| Three months or less | $55.7 | $3.3 | $52.8 | $1.2\
    \ | $108.5 | $4.5 |\n| Greater than three to six months | 3.4 | — | 14.8 | — |\
    \ 18.2 | — |\n| Greater than six to nine months | 12.7 | 0.2 | 0.1 | 0.1 | 12.8\
    \ | 0.3 |\n| Greater than nine to twelve months | 32.8 | 11.2 | 1.0 | 1.8 | 33.8\
    \ | 13.0 |\n| Greater than twelve to twenty-four months | 441.3 | 112.2 | 365.6\
    \ | 186.7 | 806.9 | 298.9 |\n| Greater than twenty-four to thirty-six months |\
    \ 609.0 | 314.8 | 403.5 | 435.8 | 1,012.5 | 750.6 |\n\n| Greater than thirty-six\
    \ months | 113.8 | 26.8 | 84.6 | 76.6 | 198.4 | 103.4 |\n| Total fixed maturity\
    \ securities, available-for-sale | $1,268.7 | $468.5 | $922.4 | $702.2 | $2,191.1\
    \ | $1,170.7 |\nDecember 31, 2008\n|  | December 31, 2008 |\n|  | Public | Private\
    \ | Total |\n|  | Carrying amount | Gross unrealized losses | Carrying amount\
    \ | Gross unrealized losses | Carrying amount | Gross unrealized losses |\n| \
    \ | (in millions) |\n| Three months or less | $133.1 | $56.5 | $114.6 | $32.1\
    \ | $247.7 | $88.6 |\n\n| Greater than three to six months | 88.8 | 12.7 | 297.1\
    \ | 74.3 | 385.9 | 87.0 |\n| Greater than six to nine months | 102.5 | 42.9 |\
    \ 129.1 | 46.5 | 231.6 | 89.4 |\n| Greater than nine to twelve months | 163.0\
    \ | 65.9 | 44.5 | 43.7 | 207.5 | 109.6 |\n| Greater than twelve to twenty-four\
    \ months | 242.0 | 151.7 | 351.8 | 239.5 | 593.8 | 391.2 |\n| Greater than twenty-four\
    \ to thirty-six months | 41.2 | 26.1 | 13.3 | 21.4 | 54.5 | 47.5 |\n| Greater\
    \ than thirty-six months | 100.3 | 29.7 | 100.9 | 30.3 | 201.2 | 60.0 |\n\n| Total\
    \ fixed maturity securities, available-for-sale | $870.9 | $385.5 | $1,051.3 |\
    \ $487.8 | $1,922.2 | $873.3 |\nThe following tables present the carrying amount\
    \ and the gross unrealized losses, including other-than-temporary impairment losses\
    \ reported in OCI, on fixed maturity securities available-for-sale where the estimated\
    \ fair value has declined and remained below amortized cost by 20% or more as\
    \ the time periods indicate.\n\nPrincipal Financial Group, Inc. Notes to Consolidated\
    \ Financial Statements — (continued) 10.\n Debt — (continued) Long-Term Debt components\
    \ of long-term debt as of December 31, 2009 and 2008, follows:\n May 18, 2009,\
    \ issued $750. 0 million senior notes.\n issued $400. 0 million series notes bear\
    \ interest at 7. 875% mature May 15, 2014, $350. 0 million series notes bear interest\
    \ at 8. 875% mature May 15, 2019.\n Interest notes payable semi-annually May 15\
    \ and November 15 each year beginning November 15, 2009.\n\nproceeds primarily\
    \ used to refinance $440. 9 million of notes matured August 15, 2009, remaining\
    \ proceeds used for general corporate purposes.\n October 16 and December 5, 2006,\
    \ issued $500. 0 million and $100. 0 million senior notes.\n notes bear interest\
    \ at rate of 6. 05% per year.\n Interest notes payable semi-annually April 15\
    \ October 15 each year began April 15, 2007.\n notes mature October 15, 2036.\n\
    \nnotes mature October 15, 2036.\n portion of proceeds used to fund 2006 acquisition\
    \ of WM Advisors, Inc. remaining proceeds used for general corporate purposes.\n\
    \ November 3, 2005, Principal International de Chile S. A. , wholly owned indirect\
    \ subsidiary entered long-term borrowing agreements with two Chilean banks amount\
    \ US $93. 9 million.\n debt denominated in Unidades de Formento (‘‘UF’’), Chilean\
    \ inflation-indexed, peso-denominated monetary unit.\n\nUS $49. 0 million of UF\
    \ +3. 31% notes refinanced from +4. 59% during 2007, US $44. 9 million of UF +3.\
    \ 63% notes refinanced from +4. 93% in 2007, mature November 3, 2011.\n Interest\
    \ on notes payable semi-annually May 3 and November 3 each year.\ndebt outstanding\
    \ interest expense vary due to fluctuations in Chilean peso to US dollar exchange\
    \ rates Chilean inflation.\n August 25, 1999, Principal Financial Group (Australia)\
    \ Holdings Pty.\n\nLimited, wholly owned indirect subsidiary issued $665. 0 million\
    \ of unsecured redeemable long-term debt.\n Principal.\n used net proceeds from\
    \ notes to partially fund purchase of outstanding stock of companies affiliated\
    \ with Bankers Trust Australia Group.\n December 28, 2001, long-term debt obligations\
    \ of Principal Financial Group Holdings Pty.\n\nassumed by parent, Principal Financial\
    \ Services, Inc. original amount issued, $200. 0 million of 7. 95% notes matured\
    \ August 15, 2004, remaining $465. 0 million in 8. 2% notes maturing on August\
    \ 15, 2009.\n note paid in full during 2009.\n March 10, 1994 Principal Life issued\
    \ $100. 0 million of surplus notes due March 1, 2044, at 8% annual interest rate.\n\
    \ None affiliates hold portion of notes.\n\nNone affiliates hold portion of notes.\n\
    \ payment of interest principal on notes made only with prior approval of Commissioner\
    \ of Insurance of State of Iowa ‘‘Commissioner’’ extent Principal Life has sufficient\
    \ surplus earnings to make payments.\n Interest of $8. 0 million for each years\
    \ ended December 31, 2009, 2008 2007 approved by Commissioner charged to expense.\n\
    \nSubject to Commissioner approval notes due March 1, 2044, may be redeemed at\
    \ Principal Life’s election or after March 1, 2014, in whole or in part at redemption\
    \ price of approximately 102. 3% of par.\n approximate 2. 3% premium scheduled\
    \ to gradually diminish over following ten years.\n notes be redeemed or after\
    \ March 1, 2024, at redemption price of 100% of principal amount plus interest\
    \ accrued to date of redemption.\nnon-recourse mortgages other notes payable financings\
    \ for real estate developments.\n\nprincipal balances as of December 31, 2009,\
    \ ranged from $5. 9 million to $9. 1 million\n\n|  | December 31, |\n|  | 2009\
    \ | 2008 |\n|  | (in millions) |\n| 8.2% notes payable, due 2009 | $— | $454.9\
    \ |\n| 3.31% notes payable, due 2011 | 61.2 | 49.9 |\n| 3.63% notes payable, due\
    \ 2011 | 31.4 | 25.6 |\n| 7.875% notes payable, due 2014 | 400.0 | — |\n| 8.875%\
    \ notes payable, due 2019 | 350.0 | — |\n| 6.05% notes payable, due 2036 | 601.8\
    \ | 601.8 |\n| 8% surplus notes payable, due 2044 | 99.2 | 99.2 |\n| Non-recourse\
    \ mortgages and notes payable | 40.6 | 58.7 |\n| Other mortgages and notes payable\
    \ | 0.4 | 0.4 |\n\n| Other mortgages and notes payable | 0.4 | 0.4 |\n| Total\
    \ long-term debt | $1,584.6 | $1,290.5 |\n|  | December 31, 2008 |\n|  | Public\
    \ | Private | Total |\n|  | Carrying amount | Gross unrealized losses | Carrying\
    \ amount | Gross unrealized losses | Carrying amount | Gross unrealized losses\
    \ |\n|  | (in millions) |\n| Three months or less | $3,086.0 | $194.4 | $1,188.1\
    \ | $99.5 | $4,274.1 | $293.9 |\n| Greater than three to six months | 4,213.7\
    \ | 467.9 | 1,673.6 | 236.4 | 5,887.3 | 704.3 |\n\n| Greater than six to nine\
    \ months | 3,014.0 | 620.7 | 1,566.6 | 290.6 | 4,580.6 | 911.3 |\n| Greater than\
    \ nine to twelve months | 2,321.0 | 743.0 | 1,259.7 | 460.1 | 3,580.7 | 1,203.1\
    \ |\n| Greater than twelve to twenty-four months | 3,042.0 | 1,507.5 | 2,217.1\
    \ | 1,519.7 | 5,259.1 | 3,027.2 |\n| Greater than twenty-four to thirty-six months\
    \ | 1,045.2 | 296.1 | 312.5 | 217.1 | 1,357.7 | 513.2 |\n| Greater than thirty-six\
    \ months | 1,363.8 | 423.5 | 698.2 | 265.8 | 2,062.0 | 689.3 |\n\n| Total fixed\
    \ maturity securities, available-for-sale | $18,085.7 | $4,253.1 | $8,915.8 |\
    \ $3,089.2 | $27,001.5 | $7,342.3 |\n|  | December 31, 2009 |\n|  | Public | Private\
    \ | Total |\n|  | Carrying amount | Gross unrealized losses | Carrying amount\
    \ | Gross unrealized losses | Carrying amount | Gross unrealized losses |\n| \
    \ | (in millions) |\n| Three months or less | $55.7 | $3.3 | $52.8 | $1.2 | $108.5\
    \ | $4.5 |\n| Greater than three to six months | 3.4 | — | 14.8 | — | 18.2 | —\
    \ |\n\n| Greater than six to nine months | 12.7 | 0.2 | 0.1 | 0.1 | 12.8 | 0.3\
    \ |\n| Greater than nine to twelve months | 32.8 | 11.2 | 1.0 | 1.8 | 33.8 | 13.0\
    \ |\n| Greater than twelve to twenty-four months | 441.3 | 112.2 | 365.6 | 186.7\
    \ | 806.9 | 298.9 |\n| Greater than twenty-four to thirty-six months | 609.0 |\
    \ 314.8 | 403.5 | 435.8 | 1,012.5 | 750.6 |\n| Greater than thirty-six months\
    \ | 113.8 | 26.8 | 84.6 | 76.6 | 198.4 | 103.4 |\n\n| Total fixed maturity securities,\
    \ available-for-sale | $1,268.7 | $468.5 | $922.4 | $702.2 | $2,191.1 | $1,170.7\
    \ |\n|  | December 31, 2008 |\n|  | Public | Private | Total |\n|  | Carrying\
    \ amount | Gross unrealized losses | Carrying amount | Gross unrealized losses\
    \ | Carrying amount | Gross unrealized losses |\n|  | (in millions) |\n| Three\
    \ months or less | $133.1 | $56.5 | $114.6 | $32.1 | $247.7 | $88.6 |\n| Greater\
    \ than three to six months | 88.8 | 12.7 | 297.1 | 74.3 | 385.9 | 87.0 |\n\n|\
    \ Greater than six to nine months | 102.5 | 42.9 | 129.1 | 46.5 | 231.6 | 89.4\
    \ |\n| Greater than nine to twelve months | 163.0 | 65.9 | 44.5 | 43.7 | 207.5\
    \ | 109.6 |\n| Greater than twelve to twenty-four months | 242.0 | 151.7 | 351.8\
    \ | 239.5 | 593.8 | 391.2 |\n| Greater than twenty-four to thirty-six months |\
    \ 41.2 | 26.1 | 13.3 | 21.4 | 54.5 | 47.5 |\n| Greater than thirty-six months\
    \ | 100.3 | 29.7 | 100.9 | 30.3 | 201.2 | 60.0 |\n\n| Total fixed maturity securities,\
    \ available-for-sale | $870.9 | $385.5 | $1,051.3 | $487.8 | $1,922.2 | $873.3\
    \ |\n\n\n"
  - "Title: \nText: | _id | d812c0dbe |\n| title |  |\n| text | Free Cash Flow We\
    \ define free cash flow, which is not a measure determined in accordance with\
    \ Generally Accepted Accounting Principles in the United States, as cash provided\
    \ by operating activities less purchases of property and equipment plus proceeds\
    \ from sales of property and equipment as presented in our Consolidated Statements\
    \ of Cash Flows.\nOur free cash flow for the years ended December 31, 2005, 2004\
    \ and 2003 is calculated as follows (in millions):\n\nFree Cash Flow define free\
    \ cash flow not measure determined with Generally Accepted Accounting Principles\
    \ in United States, as cash provided by operating activities less purchases property\
    \ equipment plus proceeds from sales property equipment as presented in Consolidated\
    \ Statements of Cash Flows.\n free cash flow for years ended December 31, 2005,\
    \ 2004 2003 calculated as follows (in millions):\n\n\n"
  - "Title: \nText: | _id | d8204fe4e |\n| title |  |\n| text | CASH FLOW ANALYSIS\
    \ We use the indirect method to prepare our Consolidated Statements of Cash Flows.\n\
    Under this method, we reconcile net income to cash flows provided by operating\
    \ activities by adjusting net income for those items that impact net income but\
    \ do not result in actual cash receipts or payments during the period and for\
    \ operating cash items that do not impact net income.\n\nThese reconciling items\
    \ include depreciation and amortization, allowance for equity funds used during\
    \ construction, gain or loss on sale of assets, equity earnings from investments,\
    \ distributions received from unconsolidated affiliates, deferred income taxes,\
    \ share-based compensation expense, other amounts, and changes in our assets and\
    \ liabilities not classified as investing or financing activities.\n\nThe following\
    \ table sets forth the changes in cash flows by operating, investing and financing\
    \ activities for the periods indicated:\n\nCASH FLOW ANALYSIS use indirect method\
    \ prepare Consolidated Statements of Cash Flows.\n Under method reconcile net\
    \ income to cash flows operating activities by adjusting net income for items\
    \ impact net income not result in actual cash receipts or payments period for\
    \ operating cash items not impact net income.\n\nreconciling items include depreciation\
    \ amortization allowance for equity funds used during construction gain or loss\
    \ on sale of assets equity earnings from investments distributions from unconsolidated\
    \ affiliates deferred income taxes share-based compensation expense other amounts\
    \ changes in assets and liabilities not classified investing or financing activities.\n\
    \ table sets changes in cash flows by operating, investing financing activities\
    \ for periods indicated:\n\n\n"
- source_sentence: "Instruct: Given a web search query, retrieve relevant passages\
    \ that answer the query.\nQuery: Title: \nText: | _id | q82a8646c |\n| title |\
    \  |\n| text | What's the average of Curtailments and Settlements and Special\
    \ termination benefits in 2010? (in million)\n\n's average of Curtailments Settlements\
    \ Special termination benefits in 2010? (in million)\n\n\n"
  sentences:
  - "Title: \nText: | _id | d82441980 |\n| title |  |\n| text | Income Tax Liabilities\
    \ Noncurrent deferred income tax liabilities as of 30 September 2015 were $903.3.\n\
    Tax liabilities related to unrecognized tax benefits as of 30 September 2015 were\
    \ $97.5.\nThese tax liabilities were excluded from the Contractual Obligations\
    \ table, as it is impractical to determine a cash impact by year given that payments\
    \ will vary according to changes in tax laws, tax rates, and our operating results.\n\
    \nIn addition, there are uncertainties in timing of the effective settlement of\
    \ our uncertain tax positions with respective taxing authorities.\nRefer to Note\
    \ 23, Income Taxes, to the consolidated financial statements for additional information.\n\
    \nIncome Tax Liabilities Noncurrent deferred income tax liabilities as of 30 September\
    \ 2015 were $903. 3.\n Tax liabilities related to unrecognized tax benefits 30\
    \ September 2015 were $97. 5.\n These tax liabilities excluded from Contractual\
    \ Obligations table impractical to determine cash impact by year payments vary\
    \ according to changes in tax laws tax rates operating results.\n uncertainties\
    \ in timing of effective settlement of uncertain tax positions with taxing authorities.\n\
    \nRefer to Note 23, Income Taxes consolidated financial statements for additional\
    \ information.\n\n\n"
  - "Title: \nText: | _id | d6166fc08 |\n| title |  |\n| text | management 2019s discussion\
    \ and analysis liquidity risk management liquidity is of critical importance to\
    \ financial institutions .\nmost of the failures of financial institutions have\
    \ occurred in large part due to insufficient liquidity .\naccordingly , the firm\
    \ has in place a comprehensive and conservative set of liquidity and funding policies\
    \ to address both firm-specific and broader industry or market liquidity events\
    \ .\n\nour principal objective is to be able to fund the firm and to enable our\
    \ core businesses to continue to serve clients and generate revenues , even under\
    \ adverse circumstances .\nwe manage liquidity risk according to the following\
    \ principles : excess liquidity .\nwe maintain substantial excess liquidity to\
    \ meet a broad range of potential cash outflows and collateral needs in a stressed\
    \ environment .\nasset-liability management .\n\nasset-liability management .\n\
    we assess anticipated holding periods for our assets and their expected liquidity\
    \ in a stressed environment .\nwe manage the maturities and diversity of our funding\
    \ across markets , products and counterparties , and seek to maintain liabilities\
    \ of appropriate tenor relative to our asset base .\ncontingency funding plan\
    \ .\nwe maintain a contingency funding plan to provide a framework for analyzing\
    \ and responding to a liquidity crisis situation or periods of market stress .\n\
    \nthis framework sets forth the plan of action to fund normal business activity\
    \ in emergency and stress situations .\nthese principles are discussed in more\
    \ detail below .\nexcess liquidity our most important liquidity policy is to pre-fund\
    \ our estimated potential cash and collateral needs during a liquidity crisis\
    \ and hold this excess liquidity in the form of unencumbered , highly liquid securities\
    \ and cash .\n\nwe believe that the securities held in our global core excess\
    \ would be readily convertible to cash in a matter of days , through liquidation\
    \ , by entering into repurchase agreements or from maturities of resale agreements\
    \ , and that this cash would allow us to meet immediate obligations without needing\
    \ to sell other assets or depend on additional funding from credit-sensitive markets\
    \ .\n\nas of december 2013 and december 2012 , the fair value of the securities\
    \ and certain overnight cash deposits included in our gce totaled $ 184.07 billion\
    \ and $ 174.62 billion , respectively .\n\nbased on the results of our internal\
    \ liquidity risk model , discussed below , as well as our consideration of other\
    \ factors including , but not limited to , an assessment of our potential intraday\
    \ liquidity needs and a qualitative assessment of the condition of the financial\
    \ markets and the firm , we believe our liquidity position as of both december\
    \ 2013 and december 2012 was appropriate .\n\nthe table below presents the fair\
    \ value of the securities and certain overnight cash deposits that are included\
    \ in our gce .\naverage for the year ended december in millions 2013 2012 .\n\n\
    in millions                  | average for theyear ended december 2013 | average\
    \ for theyear ended december 2012\n---------------------------- | ---------------------------------------\
    \ | ---------------------------------------\nu.s . dollar-denominated     | $\
    \ 136824                                | $ 125111                           \
    \    \nnon-u.s . dollar-denominated | 45826                                  \
    \ | 46984\n\ntotal                        | $ 182650                         \
    \       | $ 172095\n\nthe u.s .\ndollar-denominated excess is composed of ( i\
    \ ) unencumbered u.s .\ngovernment and federal agency obligations ( including\
    \ highly liquid u.s .\nfederal agency mortgage-backed obligations ) , all of which\
    \ are eligible as collateral in federal reserve open market operations and ( ii\
    \ ) certain overnight u.s .\ndollar cash deposits .\nthe non- u.s .\n\ndollar\
    \ cash deposits .\nthe non- u.s .\ndollar-denominated excess is composed of only\
    \ unencumbered german , french , japanese and united kingdom government obligations\
    \ and certain overnight cash deposits in highly liquid currencies .\nwe strictly\
    \ limit our excess liquidity to this narrowly defined list of securities and cash\
    \ because they are highly liquid , even in a difficult funding environment .\n\
    \nwe do not include other potential sources of excess liquidity , such as less\
    \ liquid unencumbered securities or committed credit facilities , in our gce .\n\
    goldman sachs 2013 annual report 83\n\nmanagement 2019s discussion analysis liquidity\
    \ risk management liquidity critical importance to financial institutions.\n most\
    \ failures of financial institutions occurred in due to insufficient liquidity.\n\
    \ the firm has comprehensive conservative liquidity and funding policies to address\
    \ firm-specific and broader industry or market liquidity events.\n principal objective\
    \ is to to fund firm enable core businesses to continue serve clients generate\
    \ revenues  even under adverse circumstances.\n\nwe manage liquidity risk according\
    \ to principles : excess liquidity.\n maintain substantial excess liquidity to\
    \ meet broad potential cash outflows collateral needs in stressed environment.\n\
    \ asset-liability management.\n assess anticipated holding periods for assets\
    \ and expected liquidity in stressed environment.\n manage maturities diversity\
    \ of funding across markets  products counterparties  maintain liabilities of\
    \ appropriate tenor relative to asset base.\n contingency funding plan.\n\ncontingency\
    \ funding plan.\n maintain contingency funding plan framework for analyzing responding\
    \ to liquidity crisis situation or market stress.\n framework sets forth plan\
    \ of action to fund normal business activity in emergency stress situations.\n\
    \ principles discussed in more detail below.\n excess liquidity important liquidity\
    \ policy is to pre-fund estimated potential cash and collateral needs during liquidity\
    \ crisis hold excess liquidity in form of unencumbered , highly liquid securities\
    \ and cash.\n\nbelieve securities held in our global core excess would be readily\
    \ convertible to cash in days , through liquidation , by entering repurchase agreements\
    \ or from maturities of resale agreements this cash would allow us to meet immediate\
    \ obligations without needing to sell other assets or depend on additional funding\
    \ from credit-sensitive markets.\n\nas of december 2013 and december 2012  fair\
    \ value of securities and certain overnight cash deposits included in our gce\
    \ totaled $ 184. 07 billion and $ 174. 62 billion , respectively.\nbased on results\
    \ of our internal liquidity risk model discussed consideration of other factors\
    \ including assessment of potential intraday liquidity needs qualitative assessment\
    \ of condition of financial markets and firm  believe our liquidity position both\
    \ december 2013 and december 2012 was appropriate.\n\ntable below presents fair\
    \ value of securities certain overnight cash deposits included in our gce.\n average\
    \ for year ended december in millions 2013 2012.\n in millions | average for theyear\
    \ ended december 2013| average ended december 2012\n ----------------------------|\n\
    \ u. s. dollar-denominated | $ 136824 | $ 125111\n non-u. s. dollar-denominated\
    \ | 45826 | 46984\n total | $ 182650 | $ 172095\n u. s.\n dollar-denominated excess\
    \ is composed of i ) unencumbered u. s.\n\ngovernment and federal agency obligations\
    \ ( including highly liquid.\n federal agency mortgage-backed obligations ) eligible\
    \ as collateral in federal reserve open market operations ii certain overnight\
    \ u. s.\n dollar cash deposits.\n non- u. s.\n dollar-denominated excess composed\
    \ of only unencumbered german , french, japanese united kingdom government obligations\
    \ and certain overnight cash deposits in highly liquid currencies.\n\nlimit excess\
    \ liquidity to this narrowly defined list of securities and cash because highly\
    \ liquid  even in difficult funding environment.\n do not include other potential\
    \ sources of excess liquidity less liquid unencumbered securities or committed\
    \ credit facilities in gce.\n goldman sachs 2013 annual report 83\n\n\n"
  - "Title: \nText: | _id | d1a72949e |\n| title |  |\n| text | Products\nThe Registrant\
    \ has the ability to produce a wide range of processed chicken products and prepared\
    \ chicken items.\n\nProcessed chicken is first salable as an ice-packed, whole\
    \ chicken. The Registrant adds value to its ice-packed, whole chickens by removing\
    \ the giblets, weighing, packaging and labeling the product to specific customer\
    \ requirements and cutting and deboning the product based on customer specifications.\
    \ The additional processing steps of giblet removal, close tolerance weighing\
    \ and cutting increase the value of the product to the customer over whole, ice-packed\
    \ chickens by reducing customer handling and\n\nchickens by reducing customer\
    \ handling and cutting labor and capital costs, reducing the shrinkage associated\
    \ with cutting, and ensuring consistently sized portions.\n\nThe Registrant adds\
    \ additional value to the processed chicken by deep chilling and packaging whole\
    \ chickens in bags or combinations of fresh chicken parts, including boneless\
    \ product, in various sized, individual trays under the Registrant’s brand name,\
    \ which then may be weighed and pre-priced, based on each customer’s needs. This\
    \ chill-pack process increases the value of the product by extending shelf life,\
    \ reducing customer weighing and packaging labor, and providing the customer with\
    \ a wide variety of\n\nand providing the customer with a wide variety of products\
    \ with uniform, well designed packaging, all of which enhance the customer’s ability\
    \ to merchandise chicken products.\n\nTo satisfy some customers’ merchandising\
    \ needs, the Registrant freezes the chicken product, which adds value by meeting\
    \ the customers’ handling, storage, distribution and marketing needs and by permitting\
    \ shipment of product overseas where transportation time may be as long as 60\
    \ days.\nThe following table sets forth, for the periods indicated, the contribution,\
    \ as a percentage of net sales dollars, of each of the Registrant’s major product\
    \ lines.\n\n|         |         | Fiscal Year Ended October 31,  |         | \
    \      \n-------------------------------- | ------- | ------- | ------------------------------\
    \ | ------- | ------\n                                 | 2019    | 2018    | 2017\
    \                           | 2016    | 2015  \nRegistrant processed chicken:\
    \    |         |         |                                |         |\n\nValue\
    \ added:                     |         |         |                           \
    \     |         |       \nFresh vacuum-sealed              | 38.3 %  | 35.2 %\
    \  | 39.8 %                         | 37.6 %  | 35.2% \nFresh chill-packed   \
    \            | 32.9    | 35.6    | 31.0                           | 34.7    |\
    \ 36.9  \nFresh bulk-packed                | 14.4    | 15.1    | 16.4        \
    \                   | 15.1    | 13.9\n\nFrozen                           | 6.2\
    \     | 6.5     | 6.7                            | 5.1     | 6.3   \nSubtotal\
    \                         | 91.8    | 92.4    | 93.9                         \
    \  | 92.5    | 92.3  \nNon-value added:                 |         |         |\
    \                                |         |       \nFresh ice-packed        \
    \         | 1.2     | 1.2     | 1.0                            | 0.9     | 1.0\n\
    \nSubtotal                         | 1.2     | 1.2     | 1.0                 \
    \           | 0.9     | 1.0   \nTotal Company processed chicken  | 93.0    | 93.6\
    \    | 94.9                           | 93.4    | 93.3  \nMinimally prepared chicken\
    \       | 7.0     | 6.4     | 5.1                            | 6.6     | 6.7 \
    \  \nTotal                            | 100.0 % | 100.0 % | 100.0 %          \
    \              | 100.0 % | 100.0%\n\nProducts\n Registrant produce wide range\
    \ of processed chicken products and prepared chicken items.\n\nProcessed chicken\
    \ first salable as ice-packed, whole chicken. Registrant adds value to ice-packed\
    \ whole chickens by removing giblets weighing packaging labeling product to specific\
    \ customer requirements cutting deboning product based on customer specifications.\
    \ additional processing steps of giblet removal, close tolerance weighing cutting\
    \ increase value product customer over whole, ice-packed chickens by reducing\
    \ customer handling cutting labor capital costs reducing shrinkage associated\
    \ with cutting\n\ncosts reducing shrinkage associated with cutting ensuring consistently\
    \ sized portions.\n\nRegistrant adds additional value to processed chicken by\
    \ deep chilling packaging whole chickens in bags or combinations of fresh chicken\
    \ parts, including boneless product, in various sized individual trays under Registrant’s\
    \ brand name, may be weighed pre-priced, based on each customer’s needs. chill-pack\
    \ process increases value product by extending shelf life reducing customer weighing\
    \ packaging labor providing customer with wide variety of products with uniform,\
    \ well designed packaging enhance\n\nwith uniform, well designed packaging enhance\
    \ customer’s ability to merchandise chicken products.\n\nTo satisfy some customers’\
    \ merchandising needs, Registrant freezes chicken product adds value by meeting\
    \ customers’ handling, storage distribution marketing needs permitting shipment\
    \ of product overseas where transportation time may be as long as 60 days.\n following\
    \ table sets forth for periods, contribution, as percentage of net sales dollars,\
    \ of each of Registrant’s major product lines.\n\n|         |         | Fiscal\
    \ Year Ended October 31,  |         |       \n--------------------------------\
    \ | ------- | ------- | ------------------------------ | ------- | ------\n  \
    \                               | 2019    | 2018    | 2017                   \
    \        | 2016    | 2015  \nRegistrant processed chicken:    |         |    \
    \     |                                |         |       \nValue added:      \
    \               |         |         |                                |       \
    \  |\n\nFresh vacuum-sealed              | 38.3 %  | 35.2 %  | 39.8 %        \
    \                 | 37.6 %  | 35.2% \nFresh chill-packed               | 32.9\
    \    | 35.6    | 31.0                           | 34.7    | 36.9  \nFresh bulk-packed\
    \                | 14.4    | 15.1    | 16.4                           | 15.1 \
    \   | 13.9  \nFrozen                           | 6.2     | 6.5     | 6.7     \
    \                       | 5.1     | 6.3\n\nSubtotal                         |\
    \ 91.8    | 92.4    | 93.9                           | 92.5    | 92.3  \nNon-value\
    \ added:                 |         |         |                               \
    \ |         |       \nFresh ice-packed                 | 1.2     | 1.2     | 1.0\
    \                            | 0.9     | 1.0   \nSubtotal                    \
    \     | 1.2     | 1.2     | 1.0                            | 0.9     | 1.0\n\n\
    Total Company processed chicken  | 93.0    | 93.6    | 94.9                  \
    \         | 93.4    | 93.3  \nMinimally prepared chicken       | 7.0     | 6.4\
    \     | 5.1                            | 6.6     | 6.7   \nTotal             \
    \               | 100.0 % | 100.0 % | 100.0 %                        | 100.0 %\
    \ | 100.0%\n\n\n"
- source_sentence: "Instruct: Given a web search query, retrieve relevant passages\
    \ that answer the query.\nQuery: Title: \nText: | _id | q83deb16a |\n| title |\
    \  |\n| text | In the section with the most Bank deposits, what is the growth\
    \ rate of Collateral financing arrangements?\n\nIn section with most Bank deposits,\
    \ what growth rate of Collateral financing arrangements?\n\n\n"
  sentences:
  - "Title: \nText: | _id | d81f933f2 |\n| title |  |\n| text | | Cash | $45,826 |\n\
    | Customer-related intangible assets | 42,721 |\n| Acquired technology | 27,954\
    \ |\n| Trade name | 2,901 |\n| Other assets | 2,337 |\n| Deferred income tax assets\
    \ (liabilities) | -9,788 |\n| Other liabilities | -49,797 |\n| Total identifiable\
    \ net assets | 62,154 |\n| Goodwill | 203,828 |\n| Total purchase consideration\
    \ | $265,982 |\n\n| Total purchase consideration | $265,982 |\nGoodwill of $203.8\
    \ million arising from the acquisition, included in the Asia-Pacific segment,\
    \ was attributable to expected growth opportunities in Australia and New Zealand,\
    \ as well as growth opportunities and operating synergies in integrated payments\
    \ in our existing Asia-Pacific and North America markets.\nGoodwill associated\
    \ with this acquisition is not deductible for income tax purposes.\n\nThe customer-related\
    \ intangible assets have an estimated amortization period of 15 years.\nThe acquired\
    \ technology has an estimated amortization period of 15 years.\nThe trade name\
    \ has an estimated amortization period of 5 years.\nNOTE 3 \x80\x94 SETTLEMENT\
    \ PROCESSING ASSETS AND OBLIGATIONS Funds settlement refers to the process of\
    \ transferring funds for sales and credits between card issuers and merchants.\n\
    \nFor transactions processed on our systems, we use our internal network to provide\
    \ funding instructions to financial institutions that in turn fund the merchants.\n\
    We process funds settlement under two models, a sponsorship model and a direct\
    \ membership model.\n\nUnder the sponsorship model, we are designated as a Merchant\
    \ Service Provider by MasterCard and an Independent Sales Organization by Visa,\
    \ which means that member clearing banks (\x80\x9CMember\x80\x9D) sponsor us and\
    \ require our adherence to the standards of the payment networks.\nIn certain\
    \ markets, we have sponsorship or depository and clearing agreements with financial\
    \ institution sponsors.\n\nThese agreements allow us to route transactions under\
    \ the Members\x80\x99 control and identification numbers to clear credit card\
    \ transactions through MasterCard and Visa.\nIn this model, the standards of the\
    \ payment networks restrict us from performing funds settlement or accessing merchant\
    \ settlement funds, and, instead, require that these funds be in the possession\
    \ of the Member until the merchant is funded.\n\nUnder the direct membership model,\
    \ we are members in various payment networks, allowing us to process and fund\
    \ transactions without third-party sponsorship.\nIn this model, we route and clear\
    \ transactions directly through the card brand\x80\x99s network and are not restricted\
    \ from performing funds settlement.\nOtherwise, we process these transactions\
    \ similarly to how we process transactions in the sponsorship model.\nWe are required\
    \ to adhere to the standards of the payment networks in which we are direct members.\n\
    \nWe maintain relationships with financial institutions, which may also serve\
    \ as our Member sponsors for other card brands or in other markets, to assist\
    \ with funds settlement.\nTiming differences, interchange fees, Merchant Reserves\
    \ and exception items cause differences between the amount received from the payment\
    \ networks and the amount funded to the merchants.\n\nThese intermediary balances\
    \ arising in our settlement process for direct merchants are reflected as settlement\
    \ processing assets and obligations on our consolidated balance sheets.\nSettlement\
    \ processing assets and obligations include the components outlined below: ?\n\
    Interchange reimbursement.\nOur receivable from merchants for the portion of the\
    \ discount fee related to reimbursement of the interchange fee.\n\nx The Executive\
    \ Benefits business offers corporate-owned universal and variable universal life\
    \ insurance (\x80\x9CCOLI\x80\x9D) and bankowned universal and variable universal\
    \ life insurance (\x80\x9CBOLI\x80\x9D) to small to mid-sized banks and mid to\
    \ large-sized corporations, mostly through executive benefit brokers.11 The Group\
    \ Protection segment focuses on offering group term life, disability income and\
    \ dental insurance primarily in the small to mid-sized employer marketplace for\
    \ their eligible employees.\n\nEmployer Markets - Retirement Products The Defined\
    \ Contribution business is the largest business in this segment and focuses on\
    \ 403(b) plans and 401(k) plans.\nLincoln has a strong historical presence in\
    \ the 403(b) space where assets account for about 61% of total assets under management\
    \ in this segment as of December 31, 2007.\nThe 401(k) business accounts for 51%\
    \ of our new deposits as of December 31, 2007.\nThe Retirement Products segment\x80\
    \x99s deposits (in millions) were as follows:\n\nGoodwill associated with acquisition\
    \ not deductible for income tax purposes.\n customer-related intangible assets\
    \ have estimated amortization period of 15 years.\n acquired technology has estimated\
    \ amortization period of 15 years.\n trade name has estimated amortization period\
    \ 5 years.\n NOTE 3 \x80\x94 SETTLEMENT PROCESSING ASSETS AND OBLIGATIONS Funds\
    \ settlement refers to process transferring funds for sales and credits between\
    \ card issuers and merchants.\n\nFor transactions processed on our systems we\
    \ use our internal network to provide funding instructions to financial institutions\
    \ fund merchants.\n We process funds settlement under two models, sponsorship\
    \ model and direct membership model.\n Under sponsorship model we designated as\
    \ Merchant Service Provider by MasterCard and Independent Sales Organization by\
    \ Visa member clearing banks (\x80\x9CMember\x80\x9D) sponsor us require adherence\
    \ to standards of payment networks.\n\nIn certain markets we have sponsorship\
    \ or depository and clearing agreements with financial institution sponsors.\n\
    \ agreements allow us to route transactions under Members\x80\x99 control identification\
    \ numbers to clear credit card transactions through MasterCard and Visa.\n In\
    \ model standards of payment networks restrict us from performing funds settlement\
    \ or accessing merchant settlement funds require funds be in possession of Member\
    \ until merchant funded.\n\nUnder direct membership model we members in various\
    \ payment networks process and fund transactions without third-party sponsorship.\n\
    \ model route and clear transactions directly through card brand\x80\x99s network\
    \ not restricted from performing funds settlement.\n process transactions similarly\
    \ to in sponsorship model.\n required to adhere to standards of payment networks\
    \ in we direct members.\n\nmaintain relationships with financial institutions,\
    \ may serve as Member sponsors for other card brands in other markets, to assist\
    \ with funds settlement.\nTiming differences interchange fees Merchant Reserves\
    \ exception items cause differences between amount received from payment networks\
    \ and amount funded to merchants.\n intermediary balances in settlement process\
    \ for direct merchants are reflected as settlement processing assets obligations\
    \ on consolidated balance sheets.\n\nSettlement processing assets obligations\
    \ include components ?\n Interchange reimbursement.\n receivable from merchants\
    \ for portion of discount fee related to reimbursement interchange fee.\n\nExecutive\
    \ Benefits business offers corporate-owned universal variable universal life insurance\
    \ and bankowned universal variable universal life insurance (\x80\x9CBOLI\x80\x9D\
    \ to small to mid-sized banks large-sized corporations mostly through executive\
    \ benefit brokers. Group Protection segment focuses on group term life, disability\
    \ income dental insurance in small to mid-sized employer marketplace for eligible\
    \ employees.\n\nEmployer Markets - Retirement Products Defined Contribution business\
    \ is largest business in segment focuses on 403(b) plans 401(k) plans.\n Lincoln\
    \ has strong historical presence in 403(b) space assets account for about 61%\
    \ of total assets under management in as of December 31, 2007.\n 401(k) business\
    \ accounts for 51% of new deposits as of December 31, 2007.\n Retirement Products\
    \ segment\x80\x99s deposits (in millions) were as\n\n| Cash | $45,826 |\n| Customer-related\
    \ intangible assets | 42,721 |\n| Acquired technology | 27,954 |\n| Trade name\
    \ | 2,901 |\n| Other assets | 2,337 |\n| Deferred income tax assets (liabilities)\
    \ | -9,788 |\n| Other liabilities | -49,797 |\n| Total identifiable net assets\
    \ | 62,154 |\n| Goodwill | 203,828 |\n| Total purchase consideration | $265,982\
    \ |\n\n\n"
  - "Title: \nText: | _id | d83b9f596 |\n| title |  |\n| text | Contractual Obligations.\n\
    The following table summarizes the Company’s major contractual obligations at\
    \ December 31, 2009:\n| Contractual Obligations | Total | Less Than   One Year\
    \ | More Than   One Year and   Less Than   Three Years | More Than   Three Years\
    \   and Less   Than Five   Years | More Than   Five Years |\n|  | (In millions)\
    \ |\n| Future policy benefits | $310,592 | $7,220 | $10,681 | $11,424 | $281,267\
    \ |\n| Policyholder account balances | 198,087 | 22,764 | 30,586 | 24,536 | 120,201\
    \ |\n\n| Other policyholder liabilities | 6,142 | 6,142 | — | — | — |\n| Payables\
    \ for collateral under securities loaned and other transactions | 24,196 | 24,196\
    \ | — | — | — |\n| Bank deposits | 10,354 | 8,998 | 1,293 | 63 | — |\n| Short-term\
    \ debt | 912 | 912 | — | — | — |\n| Long-term debt | 21,138 | 1,155 | 4,214 |\
    \ 2,312 | 13,457 |\n| Collateral financing arrangements | 6,694 | 61 | 122 | 122\
    \ | 6,389 |\n| Junior subordinated debt securities | 10,450 | 258 | 517 | 517\
    \ | 9,158 |\n\n| Commitments to lend funds | 7,549 | 7,349 | 177 | 4 | 19 |\n\
    | Operating leases | 1,996 | 287 | 427 | 288 | 994 |\n| Other | 11,788 | 11,374\
    \ | 6 | 6 | 402 |\n| Total | $609,898 | $90,716 | $48,023 | $39,272 | $431,887\
    \ |\n\nFuture policyholder benefits — Future policyholder benefits include liabilities\
    \ related to traditional whole life policies, term life policies, pension closeout\
    \ and other group annuity contracts, structured settlements, master terminal funding\
    \ agreements, single premium immediate annuities, long-term disability policies,\
    \ individual disability income policies, long-term care (“LTC”) policies and property\
    \ and casualty contracts.\n\nIncluded within future policyholder benefits are\
    \ contracts where the Company is currently making payments and will continue to\
    \ do so until the occurrence of a specific event such as death, as well as those\
    \ where the timing of a portion of the payments has been determined by the contract.\n\
    \nAlso included are contracts where the Company is not currently making payments\
    \ and will not make payments until the occurrence of an insurable event, such\
    \ as death or illness, or where the occurrence of the payment triggering event,\
    \ such as a surrender of a policy or contract, is outside the control of the Company.\n\
    The Company has estimated the timing of the cash flows related to these contracts\
    \ based on historical experience, as well as its expectation of future payment\
    \ patterns.\n\nLiabilities related to accounting conventions, or which are not\
    \ contractually due, such as shadow liabilities, excess interest reserves and\
    \ property and casualty loss adjustment expenses, of $498 million have been excluded\
    \ from amounts presented in the table above.\n\nAmounts presented in the table\
    \ above, excluding those related to property and casualty contracts, represent\
    \ the estimated cash payments for benefits under such contracts including assumptions\
    \ related to the receipt of future premiums and assumptions related to mortality,\
    \ morbidity, policy lapse, renewal, retirement, inflation, disability incidence,\
    \ disability terminations, policy loans and other contingent events as appropriate\
    \ to the respective product type.\n\nPayments for case reserve liabilities and\
    \ incurred but not reported liabilities associated with property and casualty\
    \ contracts of $1.5 billion have been included using an estimate of the ultimate\
    \ amount to be settled under the policies based upon historical payment patterns.\n\
    \nThe ultimate amount to be paid under property and casualty contracts is not\
    \ determined until the Company reaches a settlement with the claimant, which may\
    \ vary significantly from the liability or contractual obligation presented above\
    \ especially as it relates to incurred but not reported liabilities.\nAll estimated\
    \ cash payments presented in the table above are undiscounted as to interest,\
    \ net of estimated future premiums on policies currently in-force and gross of\
    \ any reinsurance recoverable.\n\nThe more than five years category includes estimated\
    \ payments due for periods extending for more than 100 years from the present\
    \ date.\n\nThe sum of the estimated cash flows shown for all years in the table\
    \ of $310.6 billion exceeds the liability amount of $135.9 billion included on\
    \ the consolidated balance sheet principally due to the time value of money, which\
    \ accounts for at least 80% of the difference, as well as differences in assumptions,\
    \ most significantly mortality, between the date the liabilities were initially\
    \ established and the current date.\n\nFor the majority of the Company’s insurance\
    \ operations, estimated contractual obligations for future policy benefits and\
    \ policyholder account balance liabilities as presented in the table above are\
    \ derived from the annual asset adequacy analysis used to develop actuarial opinions\
    \ of statutory reserve adequacy for state regulatory purposes.\nThese cash flows\
    \ are materially representative of the cash flows under generally accepted accounting\
    \ principles.\n(See “— Policyholder account balances” below. )\n\n(See “— Policyholder\
    \ account balances” below. )\nActual cash payments to policyholders may differ\
    \ significantly from the liabilities as presented in the consolidated balance\
    \ sheet and the estimated cash payments as presented in the table above due to\
    \ differences between actual experience and the assumptions used in the establishment\
    \ of these liabilities and the estimation of these cash payments.\n\nPolicyholder\
    \ account balances — Policyholder account balances include liabilities related\
    \ to conventional guaranteed interest contracts, guaranteed interest contracts\
    \ associated with formal offering programs, funding agreements, individual and\
    \ group annuities, total control accounts, individual and group universal life,\
    \ variable universal life and company-owned life insurance.\n\nIncluded within\
    \ policyholder account balances are contracts where the amount and timing of the\
    \ payment is essentially fixed and determinable.\nThese amounts relate to policies\
    \ where the Company is currently making payments and will continue to do so, as\
    \ well as those where the timing of the payments has been determined by the contract.\n\
    \nOther contracts involve payment obligations where the timing of future payments\
    \ is uncertain and where the Company is not currently making payments and will\
    \ not make payments until the occurrence of an insurable event, such as death,\
    \ or where the occurrence of the payment triggering event, such as a surrender\
    \ of or partial withdrawal on a policy or deposit contract, is outside the control\
    \ of the Company.\n\nThe Company has estimated the timing of the cash flows related\
    \ to these contracts based on historical experience, as well as its expectation\
    \ of future payment patterns.\nExcess interest reserves representing purchase\
    \ accounting adjustments of $565 million have been excluded from amounts presented\
    \ in the table above as they represent an accounting convention and not a contractual\
    \ obligation.\n\nContractual Obligations.\n table summarizes Company’s major contractual\
    \ obligations at December 31, 2009:\n Included within future policyholder benefits\
    \ are contracts where Company is currently making payments and will continue to\
    \ until specific event death, those where timing of portion of payments determined\
    \ by contract.\n\nAlso included are contracts where Company not currently making\
    \ payments and will not make payments until insurable event, death or illness,\
    \ or where occurrence payment triggering event surrender of policy or contract,\
    \ outside control of Company.\n Company estimated timing of cash flows related\
    \ to these contracts based on historical experience expectation of future payment\
    \ patterns.\n\nLiabilities related to accounting conventions, or not contractually\
    \ due, shadow liabilities, excess interest reserves and property and casualty\
    \ loss adjustment expenses, of $498 million excluded from amounts in table above.\n\
    \nAmounts presented in table above, excluding related to property and casualty\
    \ contracts, represent estimated cash payments for benefits under such contracts\
    \ including assumptions related to receipt of future premiums and assumptions\
    \ related to mortality, morbidity, policy lapse, renewal, retirement, inflation,\
    \ disability incidence, disability terminations, policy loans and other contingent\
    \ events as appropriate to respective product type.\n\nPayments for case reserve\
    \ liabilities and incurred but not reported liabilities associated with property\
    \ and casualty contracts of $1. 5 billion included using estimate of ultimate\
    \ amount to be settled under policies based upon historical payment patterns.\n\
    \nultimate amount to be paid under property and casualty contracts is not determined\
    \ until Company reaches settlement with claimant, which may vary significantly\
    \ from liability or contractual obligation presented above especially to incurred\
    \ but not reported liabilities.\nestimated cash payments in table above are undiscounted\
    \ to interest, net of estimated future premiums on policies currently in-force\
    \ gross of reinsurance recoverable.\n\nmore than five years category includes\
    \ estimated payments due for periods extending for more than 100 years from present\
    \ date.\n sum of estimated cash flows for all years in table of $310. 6 billion\
    \ exceeds liability amount of $135. 9 billion on consolidated balance sheet principally\
    \ due to time value of money accounts for at least 80% of difference differences\
    \ in assumptions, significantly mortality, between date liabilities initially\
    \ established and current date.\n\nFor majority of Company’s insurance operations,\
    \ estimated contractual obligations for future policy benefits and policyholder\
    \ account balance liabilities in table derived from annual asset adequacy analysis\
    \ to develop actuarial opinions of statutory reserve adequacy for state regulatory\
    \ purposes.\n cash flows representative of cash flows under generally accepted\
    \ accounting principles.\n (See “— Policyholder account balances” below.\n\n(See\
    \ “— Policyholder account balances” below.\n Actual cash payments to policyholders\
    \ may differ significantly from liabilities in consolidated balance sheet and\
    \ estimated cash payments in table due to differences between actual experience\
    \ and assumptions used in establishment of liabilities estimation of cash payments.\n\
    \nPolicyholder account balances — Policyholder account balances include liabilities\
    \ related to conventional guaranteed interest contracts, guaranteed interest contracts\
    \ associated with formal offering programs, funding agreements individual group\
    \ annuities total control accounts individual group universal life, variable universal\
    \ life company-owned life insurance.\n Included within policyholder account balances\
    \ are contracts where amount and timing of payment is essentially fixed and determinable.\n\
    \nThese amounts relate to policies where Company currently making payments and\
    \ will continue those where timing payments determined by contract.\nOther contracts\
    \ involve payment obligations where timing of future payments uncertain where\
    \ Company not currently making payments and will not make payments until occurrence\
    \ of insurable event, such as death, or where occurrence of payment triggering\
    \ event, as surrender of or partial withdrawal on policy or deposit contract,\
    \ outside control of Company.\n\nCompany has estimated timing of cash flows related\
    \ to these contracts based on historical experience, expectation of future payment\
    \ patterns.\n Excess interest reserves representing purchase accounting adjustments\
    \ of $565 million excluded from amounts presented in table above as they represent\
    \ accounting convention not contractual obligation.\n\n| Contractual Obligations\
    \ | Total | Less Than   One Year | More Than   One Year and   Less Than   Three\
    \ Years | More Than   Three Years   and Less   Than Five   Years | More Than \
    \  Five Years |\n|  | (In millions) |\n| Future policy benefits | $310,592 | $7,220\
    \ | $10,681 | $11,424 | $281,267 |\n| Policyholder account balances | 198,087\
    \ | 22,764 | 30,586 | 24,536 | 120,201 |\n| Other policyholder liabilities | 6,142\
    \ | 6,142 | — | — | — |\n\n| Payables for collateral under securities loaned and\
    \ other transactions | 24,196 | 24,196 | — | — | — |\n| Bank deposits | 10,354\
    \ | 8,998 | 1,293 | 63 | — |\n| Short-term debt | 912 | 912 | — | — | — |\n| Long-term\
    \ debt | 21,138 | 1,155 | 4,214 | 2,312 | 13,457 |\n| Collateral financing arrangements\
    \ | 6,694 | 61 | 122 | 122 | 6,389 |\n| Junior subordinated debt securities |\
    \ 10,450 | 258 | 517 | 517 | 9,158 |\n| Commitments to lend funds | 7,549 | 7,349\
    \ | 177 | 4 | 19 |\n\n| Operating leases | 1,996 | 287 | 427 | 288 | 994 |\n|\
    \ Other | 11,788 | 11,374 | 6 | 6 | 402 |\n| Total | $609,898 | $90,716 | $48,023\
    \ | $39,272 | $431,887 |\n\n\n"
  - "Title: \nText: | _id | d61665c62 |\n| title |  |\n| text | management 2019s discussion\
    \ and analysis 68 jpmorgan chase & co./2014 annual report consolidated results\
    \ of operations the following section provides a comparative discussion of jpmorgan\
    \ chase 2019s consolidated results of operations on a reported basis for the three-year\
    \ period ended december 31 , 2014 .\nfactors that relate primarily to a single\
    \ business segment are discussed in more detail within that business segment .\n\
    \nfor a discussion of the critical accounting estimates used by the firm that\
    \ affect the consolidated results of operations , see pages 161 2013165 .\nrevenue\
    \ year ended december 31 .\n\n( in millions )                                \
    \ | 2014    | 2013    | 2012   \n-----------------------------------------------\
    \ | ------- | ------- | -------\ninvestment banking fees                     \
    \    | $ 6542  | $ 6354  | $ 5808 \nprincipal transactions ( a )             \
    \       | 10531   | 10141   | 5536   \nlending- and deposit-related fees     \
    \          | 5801    | 5945    | 6196   \nasset management administration and\
    \ commissions | 15931   | 15106   | 13868\n\nsecurities gains                \
    \                | 77      | 667     | 2110   \nmortgage fees and related income\
    \                | 3563    | 5205    | 8687   \ncard income                  \
    \                   | 6020    | 6022    | 5658   \nother income ( b )        \
    \                      | 2106    | 3847    | 4258   \nnoninterest revenue    \
    \                         | 50571   | 53287   | 52121  \nnet interest income \
    \                            | 43634   | 43319   | 44910\n\ntotal net revenue\
    \                               | $ 94205 | $ 96606 | $ 97031\n\n( a ) included\
    \ funding valuation adjustments ( ( 201cfva 201d ) effective 2013 ) ) and debit\
    \ valuation adjustments ( 201cdva 201d ) on over-the-counter ( 201cotc 201d )\
    \ derivatives and structured notes , measured at fair value .\nfva and dva gains/\
    \ ( losses ) were $ 468 million and $ ( 1.9 ) billion for the years ended december\
    \ 31 , 2014 and 2013 , respectively .\ndva losses were ( $ 930 ) million for the\
    \ year ended december 31 , 2012 .\n\n( b ) included operating lease income of\
    \ $ 1.7 billion , $ 1.5 billion and $ 1.3 billion for the years ended december\
    \ 31 , 2014 , 2013 and 2012 , respectively .\n2014 compared with 2013 total net\
    \ revenue for 2014 was down by $ 2.4 billion , or 2% ( 2 % ) , compared with the\
    \ prior year , predominantly due to lower mortgage fees and related income , and\
    \ lower other income .\nthe decrease was partially offset by higher asset management\
    \ , administration and commissions revenue .\n\ninvestment banking fees increased\
    \ compared with the prior year , due to higher advisory and equity underwriting\
    \ fees , largely offset by lower debt underwriting fees .\nthe increase in advisory\
    \ fees was driven by the combined impact of a greater share of fees for completed\
    \ transactions , and growth in industry-wide fee levels .\nthe increase in equity\
    \ underwriting fees was driven by higher industry-wide issuance .\n\nthe decrease\
    \ in debt underwriting fees was primarily related to lower bond underwriting compared\
    \ with a stronger prior year , and lower loan syndication fees on lower industry-wide\
    \ fee levels .\ninvestment banking fee share and industry-wide data are sourced\
    \ from dealogic , an external vendor .\nfor additional information on investment\
    \ banking fees , see cib segment results on pages 92 201396 , cb segment results\
    \ on pages 97 201399 , and note 7 .\n\nprincipal transactions revenue , which\
    \ consists of revenue primarily from the firm 2019s client-driven market-making\
    \ and private equity investing activities , increased compared with the prior\
    \ year as the prior year included a $ 1.5 billion loss related to the implementation\
    \ of the fva framework for otc derivatives and structured notes .\nthe increase\
    \ was also due to higher private equity gains as a result of higher net gains\
    \ on sales .\n\nthe increase was partially offset by lower fixed income markets\
    \ revenue in cib , primarily driven by credit- related and rates products , as\
    \ well as the impact of business simplification initiatives .\nfor additional\
    \ information on principal transactions revenue , see cib and corporate segment\
    \ results on pages 92 201396 and pages 103 2013104 , respectively , and note 7\
    \ .\n\nlending- and deposit-related fees decreased compared with the prior year\
    \ , reflecting the impact of business simplification initiatives and lower trade\
    \ finance revenue in cib .\nfor additional information on lending- and deposit-\
    \ related fees , see the segment results for ccb on pages 81 2013 91 , cib on\
    \ pages 92 201396 and cb on pages 97 201399 .\n\nasset management , administration\
    \ and commissions revenue increased compared with the prior year , reflecting\
    \ higher asset management fees driven by net client inflows and the effect of\
    \ higher market levels in am and ccb .\nthe increase was offset partially by lower\
    \ commissions and other fee revenue in ccb as a result of the exit of a non-core\
    \ product in the second half of 2013 .\n\nfor additional information on these\
    \ fees and commissions , see the segment discussions of ccb on pages 81 201391\
    \ , am on pages 100 2013102 , and note 7 .\nsecurities gains decreased compared\
    \ with the prior year , reflecting lower repositioning activity related to the\
    \ firm 2019s investment securities portfolio .\nfor additional information , see\
    \ the corporate segment discussion on pages 103 2013104 and note 12 .\nmortgage\
    \ fees and related income decreased compared with the prior year .\n\nthe decrease\
    \ was predominantly due to lower net production revenue driven by lower volumes\
    \ due to higher levels of mortgage interest rates , and tighter margins .\nthe\
    \ decline in net production revenue was partially offset by a lower loss on the\
    \ risk management of mortgage servicing rights ( 201cmsrs 201d ) .\nfor additional\
    \ information , see the segment discussion of ccb on pages 85 201387 and note\
    \ 17 .\n\ncard income remained relatively flat but included higher net interchange\
    \ income on credit and debit cards due to growth in sales volume , offset by higher\
    \ amortization of new account origination costs .\nfor additional information\
    \ on credit card income , see ccb segment results on pages 81 201391.\n\nmanagement\
    \ 2019s discussion analysis 68 jpmorgan chase & co. /2014 annual report consolidated\
    \ results operations section provides comparative discussion of jpmorgan chase\
    \ 2019s consolidated results operations reported basis for three-year period ended\
    \ december 31 , 2014.\n factors relate to single business segment discussed detail\
    \ within business segment.\n discussion of critical accounting estimates firm\
    \ affect consolidated results operations see pages 161 2013165.\n revenue year\
    \ ended december 31.\n\nrevenue year ended december 31.\n included funding valuation\
    \ adjustments ( ( 201cfva 201d ) effective 2013 ) ) debit valuation adjustments\
    \ ( 201cdva 201d ) on over-the-counter ( 201cotc 201d ) derivatives structured\
    \ notes  measured at fair value.\n fva dva gains/ ( losses ) were $ 468 million\
    \ and $ ( 1. 9 ) billion for years ended december 31 , 2014 and 2013 .\n dva losses\
    \ were ( $ 930 ) million for year ended december 31 , 2012.\n\nincluded operating\
    \ lease income of $ 1. 7 billion , $ 1. 5 billion $ 1. 3 billion for years ended\
    \ december 31 , 2014 , 2013 2012 .\n 2014 compared with 2013 total net revenue\
    \ for 2014 down by $ 2. 4 billion , or 2% ( 2 % ) compared prior year due to lower\
    \ mortgage fees related income  lower other income.\n decrease offset by higher\
    \ asset management , administration commissions revenue.\n\ninvestment banking\
    \ fees increased prior year due to higher advisory equity underwriting fees offset\
    \ by lower debt underwriting fees.\n increase in advisory fees driven by impact\
    \ greater share of fees for completed transactions  growth in industry-wide fee\
    \ levels.\n increase in equity underwriting fees driven by higher industry-wide\
    \ issuance.\n decrease in debt underwriting fees related to lower bond underwriting\
    \ prior year lower loan syndication fees on lower industry-wide fee levels.\n\n\
    investment banking fee share industry-wide data sourced from dealogic , external\
    \ vendor.\n for additional information on investment banking fees see cib segment\
    \ results pages 92 201396 , cb segment results pages 97 201399 , note 7.\n\nprincipal\
    \ transactions revenue  revenue primarily from firm 2019s client-driven market-making\
    \ private equity investing activities increased compared with prior year prior\
    \ year included $ 1. 5 billion loss related to implementation fva framework for\
    \ otc derivatives structured notes.\n increase due to higher private equity gains\
    \ higher net gains on sales.\n\nincrease partially offset by lower fixed income\
    \ markets revenue in cib  driven by credit- related rates products impact of business\
    \ simplification initiatives.\n for additional information on principal transactions\
    \ revenue see cib and corporate segment results on pages 92 201396 pages 103 2013104\
    \  note 7.\n lending- and deposit-related fees decreased compared prior year reflecting\
    \ impact of business simplification initiatives lower trade finance revenue in\
    \ cib.\n\nfor additional information on lending- deposit- related fees see segment\
    \ results for ccb on pages 81 2013 91 , cib on pages 92 201396 cb on pages 97\
    \ 201399.\n asset management , administration commissions revenue increased compared\
    \ prior year reflecting higher asset management fees driven by net client inflows\
    \ effect higher market levels in am and ccb.\n increase offset partially by lower\
    \ commissions and other fee revenue in ccb of exit of non-core product in second\
    \ half of 2013.\n\nfor additional information on fees commissions see segment\
    \ discussions of ccb on pages 81 201391 , am on pages 100 2013102  note 7.\n securities\
    \ gains decreased prior year reflecting lower repositioning activity related to\
    \ firm 2019s investment securities portfolio.\n for additional information see\
    \ corporate segment discussion on pages 103 2013104 note 12.\nmortgage fees related\
    \ income decreased compared prior year.\n\ndecrease predominantly due to lower\
    \ net production revenue driven lower volumes higher mortgage interest rates tighter\
    \ margins.\n decline net production revenue partially offset by lower loss on\
    \ risk management of mortgage servicing rights ( 201cmsrs 201d ).\n additional\
    \ information see segment discussion of ccb on pages 85 201387 note 17.\n\ncard\
    \ income remained flat included higher net interchange income on credit debit\
    \ cards due to growth in sales volume offset by higher amortization of new account\
    \ origination costs.\n additional information on credit card income see ccb segment\
    \ results pages 81 201391.\n\n( in millions )                                \
    \ | 2014    | 2013    | 2012   \n-----------------------------------------------\
    \ | ------- | ------- | -------\ninvestment banking fees                     \
    \    | $ 6542  | $ 6354  | $ 5808 \nprincipal transactions ( a )             \
    \       | 10531   | 10141   | 5536   \nlending- and deposit-related fees     \
    \          | 5801    | 5945    | 6196   \nasset management administration and\
    \ commissions | 15931   | 15106   | 13868\n\nsecurities gains                \
    \                | 77      | 667     | 2110   \nmortgage fees and related income\
    \                | 3563    | 5205    | 8687   \ncard income                  \
    \                   | 6020    | 6022    | 5658   \nother income ( b )        \
    \                      | 2106    | 3847    | 4258   \nnoninterest revenue    \
    \                         | 50571   | 53287   | 52121  \nnet interest income \
    \                            | 43634   | 43319   | 44910\n\ntotal net revenue\
    \                               | $ 94205 | $ 96606 | $ 97031\n\n\n"
model-index:
- name: SentenceTransformer based on thomaskim1130/stella_en_400M_v5-FinanceRAG-v2
  results:
  - task:
      type: information-retrieval
      name: Information Retrieval
    dataset:
      name: Evaluate
      type: Evaluate
    metrics:
    - type: cosine_accuracy@1
      value: 0.47815533980582525
      name: Cosine Accuracy@1
    - type: cosine_accuracy@3
      value: 0.7233009708737864
      name: Cosine Accuracy@3
    - type: cosine_accuracy@5
      value: 0.7985436893203883
      name: Cosine Accuracy@5
    - type: cosine_accuracy@10
      value: 0.8567961165048543
      name: Cosine Accuracy@10
    - type: cosine_precision@1
      value: 0.47815533980582525
      name: Cosine Precision@1
    - type: cosine_precision@3
      value: 0.2758899676375404
      name: Cosine Precision@3
    - type: cosine_precision@5
      value: 0.19271844660194173
      name: Cosine Precision@5
    - type: cosine_precision@10
      value: 0.10436893203883495
      name: Cosine Precision@10
    - type: cosine_recall@1
      value: 0.41237864077669906
      name: Cosine Recall@1
    - type: cosine_recall@3
      value: 0.6860032362459547
      name: Cosine Recall@3
    - type: cosine_recall@5
      value: 0.7844255663430421
      name: Cosine Recall@5
    - type: cosine_recall@10
      value: 0.8484223300970875
      name: Cosine Recall@10
    - type: cosine_ndcg@10
      value: 0.6612924842089951
      name: Cosine Ndcg@10
    - type: cosine_mrr@10
      value: 0.6110369471413164
      name: Cosine Mrr@10
    - type: cosine_map@100
      value: 0.5990151574074167
      name: Cosine Map@100
    - type: dot_accuracy@1
      value: 0.44902912621359226
      name: Dot Accuracy@1
    - type: dot_accuracy@3
      value: 0.7038834951456311
      name: Dot Accuracy@3
    - type: dot_accuracy@5
      value: 0.7864077669902912
      name: Dot Accuracy@5
    - type: dot_accuracy@10
      value: 0.8567961165048543
      name: Dot Accuracy@10
    - type: dot_precision@1
      value: 0.44902912621359226
      name: Dot Precision@1
    - type: dot_precision@3
      value: 0.2669902912621359
      name: Dot Precision@3
    - type: dot_precision@5
      value: 0.19029126213592232
      name: Dot Precision@5
    - type: dot_precision@10
      value: 0.10436893203883495
      name: Dot Precision@10
    - type: dot_recall@1
      value: 0.3868932038834952
      name: Dot Recall@1
    - type: dot_recall@3
      value: 0.6644417475728155
      name: Dot Recall@3
    - type: dot_recall@5
      value: 0.7713996763754045
      name: Dot Recall@5
    - type: dot_recall@10
      value: 0.8484223300970875
      name: Dot Recall@10
    - type: dot_ndcg@10
      value: 0.6465164147035897
      name: Dot Ndcg@10
    - type: dot_mrr@10
      value: 0.5909394744952999
      name: Dot Mrr@10
    - type: dot_map@100
      value: 0.579351353684912
      name: Dot Map@100
---

# SentenceTransformer based on thomaskim1130/stella_en_400M_v5-FinanceRAG-v2

This is a [sentence-transformers](https://www.SBERT.net) model finetuned from [thomaskim1130/stella_en_400M_v5-FinanceRAG-v2](https://huggingface.co/thomaskim1130/stella_en_400M_v5-FinanceRAG-v2). It maps sentences & paragraphs to a 1024-dimensional dense vector space and can be used for semantic textual similarity, semantic search, paraphrase mining, text classification, clustering, and more.

## Model Details

### Model Description
- **Model Type:** Sentence Transformer
- **Base model:** [thomaskim1130/stella_en_400M_v5-FinanceRAG-v2](https://huggingface.co/thomaskim1130/stella_en_400M_v5-FinanceRAG-v2) <!-- at revision fb539253ffbe0326a966434281a7694d1a08d510 -->
- **Maximum Sequence Length:** 512 tokens
- **Output Dimensionality:** 1024 tokens
- **Similarity Function:** Cosine Similarity
<!-- - **Training Dataset:** Unknown -->
<!-- - **Language:** Unknown -->
<!-- - **License:** Unknown -->

### Model Sources

- **Documentation:** [Sentence Transformers Documentation](https://sbert.net)
- **Repository:** [Sentence Transformers on GitHub](https://github.com/UKPLab/sentence-transformers)
- **Hugging Face:** [Sentence Transformers on Hugging Face](https://huggingface.co/models?library=sentence-transformers)

### Full Model Architecture

```
SentenceTransformer(
  (0): Transformer({'max_seq_length': 512, 'do_lower_case': False}) with Transformer model: NewModel 
  (1): Pooling({'word_embedding_dimension': 1024, 'pooling_mode_cls_token': False, 'pooling_mode_mean_tokens': True, 'pooling_mode_max_tokens': False, 'pooling_mode_mean_sqrt_len_tokens': False, 'pooling_mode_weightedmean_tokens': False, 'pooling_mode_lasttoken': False, 'include_prompt': True})
  (2): Dense({'in_features': 1024, 'out_features': 1024, 'bias': True, 'activation_function': 'torch.nn.modules.linear.Identity'})
)
```

## Usage

### Direct Usage (Sentence Transformers)

First install the Sentence Transformers library:

```bash
pip install -U sentence-transformers
```

Then you can load this model and run inference.
```python
from sentence_transformers import SentenceTransformer

# Download from the 🤗 Hub
model = SentenceTransformer("sentence_transformers_model_id")
# Run inference
sentences = [
    'Instruct: Given a web search query, retrieve relevant passages that answer the query.\nQuery: Title: \nText: | _id | q83deb16a |\n| title |  |\n| text | In the section with the most Bank deposits, what is the growth rate of Collateral financing arrangements?\n\nIn section with most Bank deposits, what growth rate of Collateral financing arrangements?\n\n\n',
    'Title: \nText: | _id | d83b9f596 |\n| title |  |\n| text | Contractual Obligations.\nThe following table summarizes the Company’s major contractual obligations at December 31, 2009:\n| Contractual Obligations | Total | Less Than   One Year | More Than   One Year and   Less Than   Three Years | More Than   Three Years   and Less   Than Five   Years | More Than   Five Years |\n|  | (In millions) |\n| Future policy benefits | $310,592 | $7,220 | $10,681 | $11,424 | $281,267 |\n| Policyholder account balances | 198,087 | 22,764 | 30,586 | 24,536 | 120,201 |\n\n| Other policyholder liabilities | 6,142 | 6,142 | — | — | — |\n| Payables for collateral under securities loaned and other transactions | 24,196 | 24,196 | — | — | — |\n| Bank deposits | 10,354 | 8,998 | 1,293 | 63 | — |\n| Short-term debt | 912 | 912 | — | — | — |\n| Long-term debt | 21,138 | 1,155 | 4,214 | 2,312 | 13,457 |\n| Collateral financing arrangements | 6,694 | 61 | 122 | 122 | 6,389 |\n| Junior subordinated debt securities | 10,450 | 258 | 517 | 517 | 9,158 |\n\n| Commitments to lend funds | 7,549 | 7,349 | 177 | 4 | 19 |\n| Operating leases | 1,996 | 287 | 427 | 288 | 994 |\n| Other | 11,788 | 11,374 | 6 | 6 | 402 |\n| Total | $609,898 | $90,716 | $48,023 | $39,272 | $431,887 |\n\nFuture policyholder benefits — Future policyholder benefits include liabilities related to traditional whole life policies, term life policies, pension closeout and other group annuity contracts, structured settlements, master terminal funding agreements, single premium immediate annuities, long-term disability policies, individual disability income policies, long-term care (“LTC”) policies and property and casualty contracts.\n\nIncluded within future policyholder benefits are contracts where the Company is currently making payments and will continue to do so until the occurrence of a specific event such as death, as well as those where the timing of a portion of the payments has been determined by the contract.\n\nAlso included are contracts where the Company is not currently making payments and will not make payments until the occurrence of an insurable event, such as death or illness, or where the occurrence of the payment triggering event, such as a surrender of a policy or contract, is outside the control of the Company.\nThe Company has estimated the timing of the cash flows related to these contracts based on historical experience, as well as its expectation of future payment patterns.\n\nLiabilities related to accounting conventions, or which are not contractually due, such as shadow liabilities, excess interest reserves and property and casualty loss adjustment expenses, of $498 million have been excluded from amounts presented in the table above.\n\nAmounts presented in the table above, excluding those related to property and casualty contracts, represent the estimated cash payments for benefits under such contracts including assumptions related to the receipt of future premiums and assumptions related to mortality, morbidity, policy lapse, renewal, retirement, inflation, disability incidence, disability terminations, policy loans and other contingent events as appropriate to the respective product type.\n\nPayments for case reserve liabilities and incurred but not reported liabilities associated with property and casualty contracts of $1.5 billion have been included using an estimate of the ultimate amount to be settled under the policies based upon historical payment patterns.\n\nThe ultimate amount to be paid under property and casualty contracts is not determined until the Company reaches a settlement with the claimant, which may vary significantly from the liability or contractual obligation presented above especially as it relates to incurred but not reported liabilities.\nAll estimated cash payments presented in the table above are undiscounted as to interest, net of estimated future premiums on policies currently in-force and gross of any reinsurance recoverable.\n\nThe more than five years category includes estimated payments due for periods extending for more than 100 years from the present date.\n\nThe sum of the estimated cash flows shown for all years in the table of $310.6 billion exceeds the liability amount of $135.9 billion included on the consolidated balance sheet principally due to the time value of money, which accounts for at least 80% of the difference, as well as differences in assumptions, most significantly mortality, between the date the liabilities were initially established and the current date.\n\nFor the majority of the Company’s insurance operations, estimated contractual obligations for future policy benefits and policyholder account balance liabilities as presented in the table above are derived from the annual asset adequacy analysis used to develop actuarial opinions of statutory reserve adequacy for state regulatory purposes.\nThese cash flows are materially representative of the cash flows under generally accepted accounting principles.\n(See “— Policyholder account balances” below. )\n\n(See “— Policyholder account balances” below. )\nActual cash payments to policyholders may differ significantly from the liabilities as presented in the consolidated balance sheet and the estimated cash payments as presented in the table above due to differences between actual experience and the assumptions used in the establishment of these liabilities and the estimation of these cash payments.\n\nPolicyholder account balances — Policyholder account balances include liabilities related to conventional guaranteed interest contracts, guaranteed interest contracts associated with formal offering programs, funding agreements, individual and group annuities, total control accounts, individual and group universal life, variable universal life and company-owned life insurance.\n\nIncluded within policyholder account balances are contracts where the amount and timing of the payment is essentially fixed and determinable.\nThese amounts relate to policies where the Company is currently making payments and will continue to do so, as well as those where the timing of the payments has been determined by the contract.\n\nOther contracts involve payment obligations where the timing of future payments is uncertain and where the Company is not currently making payments and will not make payments until the occurrence of an insurable event, such as death, or where the occurrence of the payment triggering event, such as a surrender of or partial withdrawal on a policy or deposit contract, is outside the control of the Company.\n\nThe Company has estimated the timing of the cash flows related to these contracts based on historical experience, as well as its expectation of future payment patterns.\nExcess interest reserves representing purchase accounting adjustments of $565 million have been excluded from amounts presented in the table above as they represent an accounting convention and not a contractual obligation.\n\nContractual Obligations.\n table summarizes Company’s major contractual obligations at December 31, 2009:\n Included within future policyholder benefits are contracts where Company is currently making payments and will continue to until specific event death, those where timing of portion of payments determined by contract.\n\nAlso included are contracts where Company not currently making payments and will not make payments until insurable event, death or illness, or where occurrence payment triggering event surrender of policy or contract, outside control of Company.\n Company estimated timing of cash flows related to these contracts based on historical experience expectation of future payment patterns.\n\nLiabilities related to accounting conventions, or not contractually due, shadow liabilities, excess interest reserves and property and casualty loss adjustment expenses, of $498 million excluded from amounts in table above.\n\nAmounts presented in table above, excluding related to property and casualty contracts, represent estimated cash payments for benefits under such contracts including assumptions related to receipt of future premiums and assumptions related to mortality, morbidity, policy lapse, renewal, retirement, inflation, disability incidence, disability terminations, policy loans and other contingent events as appropriate to respective product type.\n\nPayments for case reserve liabilities and incurred but not reported liabilities associated with property and casualty contracts of $1. 5 billion included using estimate of ultimate amount to be settled under policies based upon historical payment patterns.\n\nultimate amount to be paid under property and casualty contracts is not determined until Company reaches settlement with claimant, which may vary significantly from liability or contractual obligation presented above especially to incurred but not reported liabilities.\nestimated cash payments in table above are undiscounted to interest, net of estimated future premiums on policies currently in-force gross of reinsurance recoverable.\n\nmore than five years category includes estimated payments due for periods extending for more than 100 years from present date.\n sum of estimated cash flows for all years in table of $310. 6 billion exceeds liability amount of $135. 9 billion on consolidated balance sheet principally due to time value of money accounts for at least 80% of difference differences in assumptions, significantly mortality, between date liabilities initially established and current date.\n\nFor majority of Company’s insurance operations, estimated contractual obligations for future policy benefits and policyholder account balance liabilities in table derived from annual asset adequacy analysis to develop actuarial opinions of statutory reserve adequacy for state regulatory purposes.\n cash flows representative of cash flows under generally accepted accounting principles.\n (See “— Policyholder account balances” below.\n\n(See “— Policyholder account balances” below.\n Actual cash payments to policyholders may differ significantly from liabilities in consolidated balance sheet and estimated cash payments in table due to differences between actual experience and assumptions used in establishment of liabilities estimation of cash payments.\n\nPolicyholder account balances — Policyholder account balances include liabilities related to conventional guaranteed interest contracts, guaranteed interest contracts associated with formal offering programs, funding agreements individual group annuities total control accounts individual group universal life, variable universal life company-owned life insurance.\n Included within policyholder account balances are contracts where amount and timing of payment is essentially fixed and determinable.\n\nThese amounts relate to policies where Company currently making payments and will continue those where timing payments determined by contract.\nOther contracts involve payment obligations where timing of future payments uncertain where Company not currently making payments and will not make payments until occurrence of insurable event, such as death, or where occurrence of payment triggering event, as surrender of or partial withdrawal on policy or deposit contract, outside control of Company.\n\nCompany has estimated timing of cash flows related to these contracts based on historical experience, expectation of future payment patterns.\n Excess interest reserves representing purchase accounting adjustments of $565 million excluded from amounts presented in table above as they represent accounting convention not contractual obligation.\n\n| Contractual Obligations | Total | Less Than   One Year | More Than   One Year and   Less Than   Three Years | More Than   Three Years   and Less   Than Five   Years | More Than   Five Years |\n|  | (In millions) |\n| Future policy benefits | $310,592 | $7,220 | $10,681 | $11,424 | $281,267 |\n| Policyholder account balances | 198,087 | 22,764 | 30,586 | 24,536 | 120,201 |\n| Other policyholder liabilities | 6,142 | 6,142 | — | — | — |\n\n| Payables for collateral under securities loaned and other transactions | 24,196 | 24,196 | — | — | — |\n| Bank deposits | 10,354 | 8,998 | 1,293 | 63 | — |\n| Short-term debt | 912 | 912 | — | — | — |\n| Long-term debt | 21,138 | 1,155 | 4,214 | 2,312 | 13,457 |\n| Collateral financing arrangements | 6,694 | 61 | 122 | 122 | 6,389 |\n| Junior subordinated debt securities | 10,450 | 258 | 517 | 517 | 9,158 |\n| Commitments to lend funds | 7,549 | 7,349 | 177 | 4 | 19 |\n\n| Operating leases | 1,996 | 287 | 427 | 288 | 994 |\n| Other | 11,788 | 11,374 | 6 | 6 | 402 |\n| Total | $609,898 | $90,716 | $48,023 | $39,272 | $431,887 |\n\n\n',
    'Title: \nText: | _id | d81f933f2 |\n| title |  |\n| text | | Cash | $45,826 |\n| Customer-related intangible assets | 42,721 |\n| Acquired technology | 27,954 |\n| Trade name | 2,901 |\n| Other assets | 2,337 |\n| Deferred income tax assets (liabilities) | -9,788 |\n| Other liabilities | -49,797 |\n| Total identifiable net assets | 62,154 |\n| Goodwill | 203,828 |\n| Total purchase consideration | $265,982 |\n\n| Total purchase consideration | $265,982 |\nGoodwill of $203.8 million arising from the acquisition, included in the Asia-Pacific segment, was attributable to expected growth opportunities in Australia and New Zealand, as well as growth opportunities and operating synergies in integrated payments in our existing Asia-Pacific and North America markets.\nGoodwill associated with this acquisition is not deductible for income tax purposes.\n\nThe customer-related intangible assets have an estimated amortization period of 15 years.\nThe acquired technology has an estimated amortization period of 15 years.\nThe trade name has an estimated amortization period of 5 years.\nNOTE 3 \x80\x94 SETTLEMENT PROCESSING ASSETS AND OBLIGATIONS Funds settlement refers to the process of transferring funds for sales and credits between card issuers and merchants.\n\nFor transactions processed on our systems, we use our internal network to provide funding instructions to financial institutions that in turn fund the merchants.\nWe process funds settlement under two models, a sponsorship model and a direct membership model.\n\nUnder the sponsorship model, we are designated as a Merchant Service Provider by MasterCard and an Independent Sales Organization by Visa, which means that member clearing banks (\x80\x9cMember\x80\x9d) sponsor us and require our adherence to the standards of the payment networks.\nIn certain markets, we have sponsorship or depository and clearing agreements with financial institution sponsors.\n\nThese agreements allow us to route transactions under the Members\x80\x99 control and identification numbers to clear credit card transactions through MasterCard and Visa.\nIn this model, the standards of the payment networks restrict us from performing funds settlement or accessing merchant settlement funds, and, instead, require that these funds be in the possession of the Member until the merchant is funded.\n\nUnder the direct membership model, we are members in various payment networks, allowing us to process and fund transactions without third-party sponsorship.\nIn this model, we route and clear transactions directly through the card brand\x80\x99s network and are not restricted from performing funds settlement.\nOtherwise, we process these transactions similarly to how we process transactions in the sponsorship model.\nWe are required to adhere to the standards of the payment networks in which we are direct members.\n\nWe maintain relationships with financial institutions, which may also serve as our Member sponsors for other card brands or in other markets, to assist with funds settlement.\nTiming differences, interchange fees, Merchant Reserves and exception items cause differences between the amount received from the payment networks and the amount funded to the merchants.\n\nThese intermediary balances arising in our settlement process for direct merchants are reflected as settlement processing assets and obligations on our consolidated balance sheets.\nSettlement processing assets and obligations include the components outlined below: ?\nInterchange reimbursement.\nOur receivable from merchants for the portion of the discount fee related to reimbursement of the interchange fee.\n\nx The Executive Benefits business offers corporate-owned universal and variable universal life insurance (\x80\x9cCOLI\x80\x9d) and bankowned universal and variable universal life insurance (\x80\x9cBOLI\x80\x9d) to small to mid-sized banks and mid to large-sized corporations, mostly through executive benefit brokers.11 The Group Protection segment focuses on offering group term life, disability income and dental insurance primarily in the small to mid-sized employer marketplace for their eligible employees.\n\nEmployer Markets - Retirement Products The Defined Contribution business is the largest business in this segment and focuses on 403(b) plans and 401(k) plans.\nLincoln has a strong historical presence in the 403(b) space where assets account for about 61% of total assets under management in this segment as of December 31, 2007.\nThe 401(k) business accounts for 51% of our new deposits as of December 31, 2007.\nThe Retirement Products segment\x80\x99s deposits (in millions) were as follows:\n\nGoodwill associated with acquisition not deductible for income tax purposes.\n customer-related intangible assets have estimated amortization period of 15 years.\n acquired technology has estimated amortization period of 15 years.\n trade name has estimated amortization period 5 years.\n NOTE 3 \x80\x94 SETTLEMENT PROCESSING ASSETS AND OBLIGATIONS Funds settlement refers to process transferring funds for sales and credits between card issuers and merchants.\n\nFor transactions processed on our systems we use our internal network to provide funding instructions to financial institutions fund merchants.\n We process funds settlement under two models, sponsorship model and direct membership model.\n Under sponsorship model we designated as Merchant Service Provider by MasterCard and Independent Sales Organization by Visa member clearing banks (\x80\x9cMember\x80\x9d) sponsor us require adherence to standards of payment networks.\n\nIn certain markets we have sponsorship or depository and clearing agreements with financial institution sponsors.\n agreements allow us to route transactions under Members\x80\x99 control identification numbers to clear credit card transactions through MasterCard and Visa.\n In model standards of payment networks restrict us from performing funds settlement or accessing merchant settlement funds require funds be in possession of Member until merchant funded.\n\nUnder direct membership model we members in various payment networks process and fund transactions without third-party sponsorship.\n model route and clear transactions directly through card brand\x80\x99s network not restricted from performing funds settlement.\n process transactions similarly to in sponsorship model.\n required to adhere to standards of payment networks in we direct members.\n\nmaintain relationships with financial institutions, may serve as Member sponsors for other card brands in other markets, to assist with funds settlement.\nTiming differences interchange fees Merchant Reserves exception items cause differences between amount received from payment networks and amount funded to merchants.\n intermediary balances in settlement process for direct merchants are reflected as settlement processing assets obligations on consolidated balance sheets.\n\nSettlement processing assets obligations include components ?\n Interchange reimbursement.\n receivable from merchants for portion of discount fee related to reimbursement interchange fee.\n\nExecutive Benefits business offers corporate-owned universal variable universal life insurance and bankowned universal variable universal life insurance (\x80\x9cBOLI\x80\x9d to small to mid-sized banks large-sized corporations mostly through executive benefit brokers. Group Protection segment focuses on group term life, disability income dental insurance in small to mid-sized employer marketplace for eligible employees.\n\nEmployer Markets - Retirement Products Defined Contribution business is largest business in segment focuses on 403(b) plans 401(k) plans.\n Lincoln has strong historical presence in 403(b) space assets account for about 61% of total assets under management in as of December 31, 2007.\n 401(k) business accounts for 51% of new deposits as of December 31, 2007.\n Retirement Products segment\x80\x99s deposits (in millions) were as\n\n| Cash | $45,826 |\n| Customer-related intangible assets | 42,721 |\n| Acquired technology | 27,954 |\n| Trade name | 2,901 |\n| Other assets | 2,337 |\n| Deferred income tax assets (liabilities) | -9,788 |\n| Other liabilities | -49,797 |\n| Total identifiable net assets | 62,154 |\n| Goodwill | 203,828 |\n| Total purchase consideration | $265,982 |\n\n\n',
]
embeddings = model.encode(sentences)
print(embeddings.shape)
# [3, 1024]

# Get the similarity scores for the embeddings
similarities = model.similarity(embeddings, embeddings)
print(similarities.shape)
# [3, 3]
```

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## Evaluation

### Metrics

#### Information Retrieval
* Dataset: `Evaluate`
* Evaluated with [<code>InformationRetrievalEvaluator</code>](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator)

| Metric              | Value     |
|:--------------------|:----------|
| cosine_accuracy@1   | 0.4782    |
| cosine_accuracy@3   | 0.7233    |
| cosine_accuracy@5   | 0.7985    |
| cosine_accuracy@10  | 0.8568    |
| cosine_precision@1  | 0.4782    |
| cosine_precision@3  | 0.2759    |
| cosine_precision@5  | 0.1927    |
| cosine_precision@10 | 0.1044    |
| cosine_recall@1     | 0.4124    |
| cosine_recall@3     | 0.686     |
| cosine_recall@5     | 0.7844    |
| cosine_recall@10    | 0.8484    |
| cosine_ndcg@10      | 0.6613    |
| cosine_mrr@10       | 0.611     |
| **cosine_map@100**  | **0.599** |
| dot_accuracy@1      | 0.449     |
| dot_accuracy@3      | 0.7039    |
| dot_accuracy@5      | 0.7864    |
| dot_accuracy@10     | 0.8568    |
| dot_precision@1     | 0.449     |
| dot_precision@3     | 0.267     |
| dot_precision@5     | 0.1903    |
| dot_precision@10    | 0.1044    |
| dot_recall@1        | 0.3869    |
| dot_recall@3        | 0.6644    |
| dot_recall@5        | 0.7714    |
| dot_recall@10       | 0.8484    |
| dot_ndcg@10         | 0.6465    |
| dot_mrr@10          | 0.5909    |
| dot_map@100         | 0.5794    |

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### Recommendations

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## Training Details

### Training Dataset

#### Unnamed Dataset


* Size: 2,240 training samples
* Columns: <code>sentence_0</code> and <code>sentence_1</code>
* Approximate statistics based on the first 1000 samples:
  |         | sentence_0                                                                         | sentence_1                                                                           |
  |:--------|:-----------------------------------------------------------------------------------|:-------------------------------------------------------------------------------------|
  | type    | string                                                                             | string                                                                               |
  | details | <ul><li>min: 46 tokens</li><li>mean: 80.0 tokens</li><li>max: 217 tokens</li></ul> | <ul><li>min: 53 tokens</li><li>mean: 465.99 tokens</li><li>max: 512 tokens</li></ul> |
* Samples:
  | sentence_0                                                                                                                                                                                                                                                                                                                                                                                                 | sentence_1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               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  | <code>Instruct: Given a web search query, retrieve relevant passages that answer the query.<br>Query: Title: <br>Text: | _id | q8455ea96 |<br>| title |  |<br>| text | Which year is Standardized Approach the most? (in million)<br><br>year Standardized Approach most? (in million)<br><br><br></code>                                                                                                  | <code>Title: <br>Text: | _id | d8445e56a |<br>| title |  |<br>| text | |  | Bank of America Corporation | Bank of America, N.A. |<br>|  | Standardized Approach | Advanced Approaches | Regulatory Minimum-2 | Standardized Approach | Advanced Approaches | Regulatory Minimum-3 |<br>| (Dollars in millions, except as noted) | December 31, 2018 |<br>| Risk-based capital metrics: |  |  |  |  |  |  |<br>| Common equity tier 1 capital | $167,272 | $167,272 |  | $149,824 | $149,824 |  |<br>| Tier 1 capital | 189,038 | 189,038 |  | 149,824 | 149,824 |  |<br><br>| Total capital-4 | 221,304 | 212,878 |  | 161,760 | 153,627 |  |<br>| Risk-weighted assets (in billions) | 1,437 | 1,409 |  | 1,195 | 959 |  |<br>| Common equity tier 1 capital ratio | 11.6% | 11.9% | 8.25% | 12.5% | 15.6% | 6.5% |<br>| Tier 1 capital ratio | 13.2 | 13.4 | 9.75 | 12.5 | 15.6 | 8.0 |<br>| Total capital ratio | 15.4 | 15.1 | 11.75 | 13.5 | 16.0 | 10.0 |<br>| Leverage-based metrics: |  |  |  |  |  |  |<br>| Adjusted quarterly average assets (in billions)(5) | $2,258 | $2,258 |  | $1,719 | $1,719 |  |<br><br>| Tier 1 leverage ratio | 8.4% | 8.4% | 4.0 | 8.7% | 8.7% | 5.0 |<br>| SLR leverage exposure (in billions) |  | $2,791 |  |  | $2,112 |  |<br>| SLR |  | 6.8% | 5.0 |  | 7.1% | 6.0 |<br>|  | December 31, 2017 |<br>| Risk-based capital metrics: |  |  |  |  |  |  |<br>| Common equity tier 1 capital | $171,063 | $171,063 |  | $150,552 | $150,552 |  |<br>| Tier 1 capital | 191,496 | 191,496 |  | 150,552 | 150,552 |  |<br>| Total capital-4 | 227,427 | 218,529 |  | 163,243 | 154,675 |  |<br><br>| Risk-weighted assets (in billions) | 1,434 | 1,449 |  | 1,201 | 1,007 |  |<br>| Common equity tier 1 capital ratio | 11.9% | 11.8% | 7.25% | 12.5% | 14.9% | 6.5% |<br>| Tier 1 capital ratio | 13.4 | 13.2 | 8.75 | 12.5 | 14.9 | 8.0 |<br>| Total capital ratio | 15.9 | 15.1 | 10.75 | 13.6 | 15.4 | 10.0 |<br>| Leverage-based metrics: |  |  |  |  |  |  |<br>| Adjusted quarterly average assets (in billions)(5) | $2,224 | $2,224 |  | $1,672 | $1,672 |  |<br>| Tier 1 leverage ratio | 8.6% | 8.6% | 4.0 | 9.0% | 9.0% | 5.0 |<br><br>(1) Regulatory capital metrics at December 31, 2017 reflect Basel 3 transition provisions for regulatory capital adjustments and deductions, which were fully phased-in as of January 1, 2018.<br>(2) The December 31, 2018 and 2017 amounts include a transition capital conservation buffer of 1.875 percent and 1.25 percent and a transition global systemically important bank surcharge of 1.875 percent and 1.5 percent.<br>The countercyclical capital buffer for both periods is zero.<br><br>(3) Percent required to meet guidelines to be considered well capitalized under the PCA framework.<br>(4) Total capital under the Advanced approaches differs from the Standardized approach due to differences in the amount permitted in Tier 2 capital related to the qualifying allowance for credit losses.<br>(5) Reflects adjusted average total assets for the three months ended December 31, 2018 and 2017.<br><br>The capital adequacy rules issued by the U. S.  banking regulators require institutions to meet the established minimums outlined in the table above.<br>Failure to meet the minimum requirements can lead to certain mandatory and discretionary actions by regulators that could have a material adverse impact on the Corporations financial position.<br>At December 31, 2018 and 2017, the Corporation and its banking entity affiliates were well capitalized.<br><br> Other Regulatory Matters The Federal Reserve requires the Corporations bank subsidiaries to maintain reserve requirements based on a percentage of certain deposit liabilities.<br>The average daily reserve balance requirements, in excess of vault cash, maintained by the Corporation with the Federal Reserve Bank were $11.4 billion and $8.9 billion for 2018 and 2017.<br><br>At December 31, 2018 and 2017, the Corporation had cash and cash equivalents in the amount of $5.8 billion and $4.1 billion, and securities with a fair value of $16.6 billion and $17.3 billion that were segregated in compliance with securities regulations.<br>Cash held on deposit with the Federal Reserve Bank to meet reserve requirements and cash and cash equivalents segregated in compliance with securities regulations are components of restricted cash.<br><br>For additional information, see Note 10  Federal Funds Sold or Purchased, Securities Financing Agreements, Short-term Borrowings and Restricted Cash.<br>In addition, at December 31, 2018 and 2017, the Corporation had cash deposited with clearing organizations of $8.1 billion and $11.9 billion primarily recorded in other assets on the Consolidated Balance Sheet.<br><br>Bank Subsidiary Distributions The primary sources of funds for cash distributions by the Corporation to its shareholders are capital distributions received from its bank subsidiaries, BANA and Bank of America California, N. A.<br>In 2018, the Corporation received dividends of $26.1 billion from BANA and $320 million from Bank of America California, N. A.<br>In addition, Bank of America California, N. A.  returned capital of $1.4 billion to the Corporation in 2018.<br><br>The amount of dividends that a subsidiary bank may declare in a calendar year without OCC approval is the subsidiary banks net profits for that year combined with its retained net profits for the preceding two years.<br>Retained net profits, as defined by the OCC, consist of net income less dividends declared during the period.<br><br>In 2019, BANA can declare and pay dividends of approximately $3.1 billion to the Corporation plus an additional amount equal to its retained net profits for 2019 up to the date of any such dividend declaration.<br>Bank of America California, N. A.  can pay dividends of $40 million in 2019 plus an additional amount equal to its retained net profits for 2019 up to the date of any such dividend declaration.<br><br>December 31, 2018 and 2017 amounts include transition capital conservation buffer 1. 875 percent 1. 25 percent transition global systemically important bank surcharge of 1. 875 percent 1. 5 percent.<br> countercyclical capital buffer for both periods is zero.<br> Percent required to meet guidelines to be well capitalized under PCA framework.<br><br>Total capital under Advanced approaches differs from Standardized approach due to differences in amount permitted Tier 2 capital qualifying allowance for credit losses.<br> Reflects adjusted average total assets for three months ended December 31, 2018 and 2017.<br> capital adequacy rules by U. S. banking regulators require institutions to meet minimums in table above.<br> Failure to meet minimum requirements can lead to mandatory actions adverse impact on Corporations financial position.<br><br>At December 31, 2018 and 2017 Corporation and banking entity affiliates were well capitalized.<br> Federal Reserve requires Corporations bank subsidiaries to maintain reserve requirements based on percentage of certain deposit liabilities.<br> average daily reserve balance requirements excess of vault cash Corporation with Federal Reserve Bank were $11. 4 billion and $8. 9 billion for 2018 and 2017.<br><br>At December 31, 2018 and 2017 Corporation had cash cash equivalents $5. 8 billion and $4. 1 billion securities with fair value of $16. 6 billion and $17. 3 billion segregated in compliance with securities regulations.<br> Cash held on deposit with Federal Reserve Bank to meet reserve requirements cash cash equivalents segregated in compliance with securities regulations are components of restricted cash.<br><br>For additional information, see Note 10 Federal Funds Sold or Purchased, Securities Financing Agreements, Short-term Borrowings Restricted Cash.<br> at December 31, 2018 and 2017 Corporation had cash deposited with clearing organizations of $8. 1 billion and $11.9 billion recorded in other assets on Consolidated Balance Sheet.<br><br>Bank Subsidiary Distributions primary sources of funds for cash distributions Corporation to shareholders are capital distributions from bank subsidiaries BANA and Bank of America California, N. A.<br> In 2018 Corporation received dividends $26. 1 billion from BANA $320 million from Bank of America California, N. A.<br> Bank of America California, N. A. returned capital of $1. 4 billion to Corporation in 2018.<br><br>amount dividends subsidiary bank may declare year without OCC approval is subsidiary banks net profits for year combined with retained net profits for preceding two years.<br> Retained net profits defined OCC, consist of net income less dividends declared during period.<br> In 2019, BANA can declare pay dividends of approximately $3. 1 billion to Corporation plus additional amount equal to retained net profits for 2019 dividend declaration.<br><br>Bank of America California, N. A. can pay dividends of $40 million in 2019 plus additional amount equal to retained net profits for 2019 date dividend declaration.<br><br>|  | Bank of America Corporation | Bank of America, N.A. |<br>|  | Standardized Approach | Advanced Approaches | Regulatory Minimum-2 | Standardized Approach | Advanced Approaches | Regulatory Minimum-3 |<br>| (Dollars in millions, except as noted) | December 31, 2018 |<br>| Risk-based capital metrics: |  |  |  |  |  |  |<br>| Common equity tier 1 capital | $167,272 | $167,272 |  | $149,824 | $149,824 |  |<br>| Tier 1 capital | 189,038 | 189,038 |  | 149,824 | 149,824 |  |<br><br>| Total capital-4 | 221,304 | 212,878 |  | 161,760 | 153,627 |  |<br>| Risk-weighted assets (in billions) | 1,437 | 1,409 |  | 1,195 | 959 |  |<br>| Common equity tier 1 capital ratio | 11.6% | 11.9% | 8.25% | 12.5% | 15.6% | 6.5% |<br>| Tier 1 capital ratio | 13.2 | 13.4 | 9.75 | 12.5 | 15.6 | 8.0 |<br>| Total capital ratio | 15.4 | 15.1 | 11.75 | 13.5 | 16.0 | 10.0 |<br>| Leverage-based metrics: |  |  |  |  |  |  |<br>| Adjusted quarterly average assets (in billions)(5) | $2,258 | $2,258 |  | $1,719 | $1,719 |  |<br><br>| Tier 1 leverage ratio | 8.4% | 8.4% | 4.0 | 8.7% | 8.7% | 5.0 |<br>| SLR leverage exposure (in billions) |  | $2,791 |  |  | $2,112 |  |<br>| SLR |  | 6.8% | 5.0 |  | 7.1% | 6.0 |<br>|  | December 31, 2017 |<br>| Risk-based capital metrics: |  |  |  |  |  |  |<br>| Common equity tier 1 capital | $171,063 | $171,063 |  | $150,552 | $150,552 |  |<br>| Tier 1 capital | 191,496 | 191,496 |  | 150,552 | 150,552 |  |<br>| Total capital-4 | 227,427 | 218,529 |  | 163,243 | 154,675 |  |<br><br>| Risk-weighted assets (in billions) | 1,434 | 1,449 |  | 1,201 | 1,007 |  |<br>| Common equity tier 1 capital ratio | 11.9% | 11.8% | 7.25% | 12.5% | 14.9% | 6.5% |<br>| Tier 1 capital ratio | 13.4 | 13.2 | 8.75 | 12.5 | 14.9 | 8.0 |<br>| Total capital ratio | 15.9 | 15.1 | 10.75 | 13.6 | 15.4 | 10.0 |<br>| Leverage-based metrics: |  |  |  |  |  |  |<br>| Adjusted quarterly average assets (in billions)(5) | $2,224 | $2,224 |  | $1,672 | $1,672 |  |<br>| Tier 1 leverage ratio | 8.6% | 8.6% | 4.0 | 9.0% | 9.0% | 5.0 |<br><br><br></code> |
  | <code>Instruct: Given a web search query, retrieve relevant passages that answer the query.<br>Query: Title: <br>Text: | _id | q61694076 |<br>| title |  |<br>| text | as of december 31 , 2006 what was the percent of the total route miles covered by the main line<br><br>as of december 31 , 2006 percent of total route miles covered by main line<br><br><br></code>                                | <code>Title: <br>Text: | _id | d6168db72 |<br>| title |  |<br>| text | our access to commercial paper and reduce our credit ratings below investment grade , which would prohibit us from utilizing our sale of receivables program and significantly increase the cost of issuing debt .<br>we are dependent on two key domestic suppliers of locomotives 2013 due to the capital intensive nature and sophistication of locomotive equipment , high barriers to entry face potential new suppliers .<br><br>therefore , if one of these domestic suppliers discontinues manufacturing locomotives , we could experience a significant cost increase and risk reduced availability of the locomotives that are necessary to our operations .<br>we may be affected by acts of terrorism , war , or risk of war 2013 our rail lines , facilities , and equipment , including rail cars carrying hazardous materials , could be direct targets or indirect casualties of terrorist attacks .<br><br>terrorist attacks , or other similar events , any government response thereto , and war or risk of war may adversely affect our results of operations , financial condition , and liquidity .<br>in addition , insurance premiums for some or all of our current coverages could increase dramatically , or certain coverages may not be available to us in the future .<br>item 1b .<br>unresolved staff comments item 2 .<br><br>item 1b .<br>unresolved staff comments item 2 .<br>properties with operations in 23 states , we employ a variety of assets in the management and operation of our rail business .<br>these assets include real estate , track and track structure , equipment , and facilities .<br>we own and lease real estate that we use in our operations , and we also own real estate that is not required for our business , which we sell from time to time .<br><br>our equipment includes owned and leased locomotives and rail cars ; heavy maintenance equipment and machinery ; other equipment and tools in our shops , offices and facilities ; and vehicles for maintenance , transportation of crews , and other activities .<br><br>we operate numerous facilities , including terminals for intermodal and other freight ; rail yards for train-building , switching , storage-in-transit ( the temporary storage of customer goods in rail cars prior to shipment ) and other activities ; offices to administer and manage our operations ; dispatch centers to direct traffic on our rail network ; crew quarters to house train crews along our network ; and shops and other facilities for fueling , maintenance , and repair of locomotives and repair and<br><br>, and repair of locomotives and repair and maintenance of rail cars and other equipment .<br><br>we spent approximately $ 2.2 billion in cash capital during 2006 for , among other things , building and maintaining track , structures and infrastructure ; upgrading and augmenting equipment ; and implementing new technologies ( see the capital investments table in management 2019s discussion and analysis of financial condition and results of operations 2013 liquidity and capital resources 2013 financial condition , item 7 ) .<br><br>certain of our properties are subject to federal , state , and local laws and regulations governing the protection of the environment ( see discussion of environmental issues in business 2013 governmental and environmental regulation , item 1 , and management 2019s discussion and analysis of financial condition and results of operations 2013 critical accounting policies 2013 environmental , item 7 ) .<br><br>track 2013 the railroad operates on 32339 main line and branch line route miles in 23 states in the western two-thirds of the united states .<br>we own 26466 route miles , with the remainder of route miles operated pursuant to trackage rights or leases .<br>route miles as of december 31 , 2006 and 2005 , were as follows : 2006 2005 .<br><br>| 2006  | 2005 <br>----------------------------- | ----- | -----<br>main line                     | 27318 | 27301<br>branch line                   | 5021  | 5125 <br>yards sidings and other lines | 19257 | 20241<br>total                         | 51596 | 52667<br><br>access to commercial paper reduce credit ratings below investment grade prohibit us from utilizing sale of receivables program increase cost of issuing debt.<br> dependent on two key domestic suppliers of locomotives 2013 due to capital intensive nature sophistication of locomotive equipment high barriers to entry face potential new suppliers.<br><br>if one domestic suppliers discontinues manufacturing locomotives, could experience significant cost increase risk reduced availability of locomotives necessary to operations.<br> may be affected by acts of terrorism , war  or risk of war 2013 our rail lines , facilities  equipment , including rail cars carrying hazardous materials  could be direct targets or indirect casualties of terrorist attacks.<br><br>terrorist attacks  other similar events , government response war or risk of war may adversely affect results of operations , financial condition  liquidity.<br> insurance premiums for some or all current coverages could increase dramatically or certain coverages may not be available to in future.<br> item 1b.<br> unresolved staff comments item 2.<br> properties with operations in 23 states  employ variety of assets in management and operation of rail business.<br><br>assets include real estate , track and track structure  equipment  facilities.<br> own and lease real estate we use in operations also own real estate not required for business we sell from time to time.<br> equipment includes owned and leased locomotives and rail cars ; heavy maintenance equipment and machinery ; other equipment and tools in shops , offices facilities ; vehicles for maintenance , transportation of crews  other activities.<br><br>operate numerous facilities  including terminals for intermodal freight ; rail yards for train-building  switching  storage-in-transit ( temporary storage customer goods in rail cars prior shipment ) other activities ; offices to administer manage operations ; dispatch centers direct traffic rail network ; crew quarters house train crews network shops facilities for fueling maintenance repair of locomotives repair maintenance rail cars other equipment.<br><br>spent approximately $ 2. 2 billion in cash capital during 2006 for building maintaining track  structures infrastructure ; upgrading augmenting equipment implementing new technologies ( see capital investments table in management 2019s discussion analysis of financial condition results of operations 2013 liquidity capital resources 2013 financial condition , item 7 ).<br><br>certain properties subject to federal  state local laws regulations governing protection environment ( see discussion environmental issues in business 2013 governmental environmental regulation , item 1 , management 2019s discussion analysis financial condition results of operations 2013 critical accounting policies 2013 environmental , item 7 ).<br> track 2013 railroad operates on 32339 main line branch line route miles in 23 states in western two-thirds of united states.<br><br>own 26466 route miles  remainder route miles operated pursuant to trackage rights or leases.<br> route miles as of december 31 , 2006 2005  as follows : 2006 2005.<br> | 2006 | 2005<br> ----------------------------- | -----|<br> main line | 27318 | 27301<br> branch line | 5021 | 5125<br> yards sidings and other lines | 19257 | 20241<br> total | 51596 | 52667<br><br><br></code>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
  | <code>Instruct: Given a web search query, retrieve relevant passages that answer the query.<br>Query: Title: <br>Text: | _id | q813b8c26 |<br>| title |  |<br>| text | What's the sum of the Unit redemptions in the years where Mortgages Payable for Carrying Amounts is positive?<br><br>What's sum of Unit redemptions years where Mortgages Payable for Carrying Amounts positive?<br><br><br></code> | <code>Title: <br>Text: | _id | d813b8e42 |<br>| title |  |<br>| text | iTunes, Software and Services The following table presents net sales information of iTunes, Software and Services for 2014, 2013 and 2012 (dollars in millions):<br>|  | 2014 | Change | 2013 | Change | 2012 |<br>| iTunes, Software and Services | $18,063 | 13% | $16,051 | 25% | $12,890 |<br>| Percentage of total net sales | 10% |  | 9% |  | 8% |<br>The increase in net sales of iTunes, Software and Services in 2014 compared to 2013 was primarily due to growth in net sales from the iTunes Store, AppleCare and licensing.<br><br>The iTunes Store generated a total of $10.2 billion in net sales during 2014 compared to $9.3 billion during 2013.<br>Growth in net sales from the iTunes Store was driven by increases in revenue from app sales reflecting continued growth in the installed base of iOS devices and the expanded offerings of iOS Apps and related in-App purchases.<br>This was partially offset by a decline in sales of digital music.<br><br>The increase in net sales of iTunes, Software and Services in 2013 compared to 2012 was primarily due to growth in net sales from the iTunes Store, AppleCare and licensing.<br>The iTunes Store generated a total of $9.3 billion in net sales during 2013, a 24% increase from 2012.<br><br>Growth in the iTunes Store, which includes the App Store, the Mac App Store and the iBooks Store, reflected continued growth in the installed base of iOS devices, expanded offerings of iOS Apps and related in-App purchases, and expanded offerings of iTunes digital content.<br><br>iTunes, Software and Services table presents net sales information of iTunes for 2014, 2013 2012 (dollars in millions):<br> iTunes Store generated $10. 2 billion net sales during 2014 compared to $9. 3 billion 2013.<br> Growth in net sales iTunes Store driven by increases in revenue from app sales reflecting continued growth in installed base iOS devices expanded offerings of iOS Apps related in-App purchases.<br> partially offset by decline in sales of digital music.<br><br>increase in net sales of iTunes, Software and Services in 2013 compared to 2012 primarily due to growth in net sales from iTunes Store, AppleCare licensing.<br> iTunes Store generated $9. 3 billion in net sales during 2013, 24% increase from 2012.<br> Growth in iTunes Store includes App Store, Mac App Store iBooks Store reflected continued growth in installed base of iOS devices expanded offerings of iOS Apps related in-App purchases expanded offerings iTunes digital content.<br><br>|  | 2014 | Change | 2013 | Change | 2012 |<br>| iTunes, Software and Services | $18,063 | 13% | $16,051 | 25% | $12,890 |<br>| Percentage of total net sales | 10% |  | 9% |  | 8% |<br><br><br></code>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
* Loss: [<code>MultipleNegativesRankingLoss</code>](https://sbert.net/docs/package_reference/sentence_transformer/losses.html#multiplenegativesrankingloss) with these parameters:
  ```json
  {
      "scale": 20.0,
      "similarity_fct": "cos_sim"
  }
  ```

### Training Hyperparameters
#### Non-Default Hyperparameters

- `eval_strategy`: steps
- `per_device_train_batch_size`: 16
- `per_device_eval_batch_size`: 16
- `num_train_epochs`: 2
- `fp16`: True
- `batch_sampler`: no_duplicates
- `multi_dataset_batch_sampler`: round_robin

#### All Hyperparameters
<details><summary>Click to expand</summary>

- `overwrite_output_dir`: False
- `do_predict`: False
- `eval_strategy`: steps
- `prediction_loss_only`: True
- `per_device_train_batch_size`: 16
- `per_device_eval_batch_size`: 16
- `per_gpu_train_batch_size`: None
- `per_gpu_eval_batch_size`: None
- `gradient_accumulation_steps`: 1
- `eval_accumulation_steps`: None
- `torch_empty_cache_steps`: None
- `learning_rate`: 5e-05
- `weight_decay`: 0.0
- `adam_beta1`: 0.9
- `adam_beta2`: 0.999
- `adam_epsilon`: 1e-08
- `max_grad_norm`: 1
- `num_train_epochs`: 2
- `max_steps`: -1
- `lr_scheduler_type`: linear
- `lr_scheduler_kwargs`: {}
- `warmup_ratio`: 0.0
- `warmup_steps`: 0
- `log_level`: passive
- `log_level_replica`: warning
- `log_on_each_node`: True
- `logging_nan_inf_filter`: True
- `save_safetensors`: True
- `save_on_each_node`: False
- `save_only_model`: False
- `restore_callback_states_from_checkpoint`: False
- `no_cuda`: False
- `use_cpu`: False
- `use_mps_device`: False
- `seed`: 42
- `data_seed`: None
- `jit_mode_eval`: False
- `use_ipex`: False
- `bf16`: False
- `fp16`: True
- `fp16_opt_level`: O1
- `half_precision_backend`: auto
- `bf16_full_eval`: False
- `fp16_full_eval`: False
- `tf32`: None
- `local_rank`: 0
- `ddp_backend`: None
- `tpu_num_cores`: None
- `tpu_metrics_debug`: False
- `debug`: []
- `dataloader_drop_last`: False
- `dataloader_num_workers`: 0
- `dataloader_prefetch_factor`: None
- `past_index`: -1
- `disable_tqdm`: False
- `remove_unused_columns`: True
- `label_names`: None
- `load_best_model_at_end`: False
- `ignore_data_skip`: False
- `fsdp`: []
- `fsdp_min_num_params`: 0
- `fsdp_config`: {'min_num_params': 0, 'xla': False, 'xla_fsdp_v2': False, 'xla_fsdp_grad_ckpt': False}
- `fsdp_transformer_layer_cls_to_wrap`: None
- `accelerator_config`: {'split_batches': False, 'dispatch_batches': None, 'even_batches': True, 'use_seedable_sampler': True, 'non_blocking': False, 'gradient_accumulation_kwargs': None}
- `deepspeed`: None
- `label_smoothing_factor`: 0.0
- `optim`: adamw_torch
- `optim_args`: None
- `adafactor`: False
- `group_by_length`: False
- `length_column_name`: length
- `ddp_find_unused_parameters`: None
- `ddp_bucket_cap_mb`: None
- `ddp_broadcast_buffers`: False
- `dataloader_pin_memory`: True
- `dataloader_persistent_workers`: False
- `skip_memory_metrics`: True
- `use_legacy_prediction_loop`: False
- `push_to_hub`: False
- `resume_from_checkpoint`: None
- `hub_model_id`: None
- `hub_strategy`: every_save
- `hub_private_repo`: False
- `hub_always_push`: False
- `gradient_checkpointing`: False
- `gradient_checkpointing_kwargs`: None
- `include_inputs_for_metrics`: False
- `eval_do_concat_batches`: True
- `fp16_backend`: auto
- `push_to_hub_model_id`: None
- `push_to_hub_organization`: None
- `mp_parameters`: 
- `auto_find_batch_size`: False
- `full_determinism`: False
- `torchdynamo`: None
- `ray_scope`: last
- `ddp_timeout`: 1800
- `torch_compile`: False
- `torch_compile_backend`: None
- `torch_compile_mode`: None
- `dispatch_batches`: None
- `split_batches`: None
- `include_tokens_per_second`: False
- `include_num_input_tokens_seen`: False
- `neftune_noise_alpha`: None
- `optim_target_modules`: None
- `batch_eval_metrics`: False
- `eval_on_start`: False
- `use_liger_kernel`: False
- `eval_use_gather_object`: False
- `batch_sampler`: no_duplicates
- `multi_dataset_batch_sampler`: round_robin

</details>

### Training Logs
| Epoch | Step | Evaluate_cosine_map@100 |
|:-----:|:----:|:-----------------------:|
| 0     | 0    | 0.5370                  |
| 1.0   | 141  | 0.5687                  |
| 2.0   | 282  | 0.5990                  |


### Framework Versions
- Python: 3.10.12
- Sentence Transformers: 3.1.1
- Transformers: 4.45.2
- PyTorch: 2.5.1+cu121
- Accelerate: 1.1.1
- Datasets: 3.1.0
- Tokenizers: 0.20.3

## Citation

### BibTeX

#### Sentence Transformers
```bibtex
@inproceedings{reimers-2019-sentence-bert,
    title = "Sentence-BERT: Sentence Embeddings using Siamese BERT-Networks",
    author = "Reimers, Nils and Gurevych, Iryna",
    booktitle = "Proceedings of the 2019 Conference on Empirical Methods in Natural Language Processing",
    month = "11",
    year = "2019",
    publisher = "Association for Computational Linguistics",
    url = "https://arxiv.org/abs/1908.10084",
}
```

#### MultipleNegativesRankingLoss
```bibtex
@misc{henderson2017efficient,
    title={Efficient Natural Language Response Suggestion for Smart Reply},
    author={Matthew Henderson and Rami Al-Rfou and Brian Strope and Yun-hsuan Sung and Laszlo Lukacs and Ruiqi Guo and Sanjiv Kumar and Balint Miklos and Ray Kurzweil},
    year={2017},
    eprint={1705.00652},
    archivePrefix={arXiv},
    primaryClass={cs.CL}
}
```

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