mastercard incorporated notes to consolidated financial statements 2014 ( continued ) ( in thousands , except percent and per share data ) the following table summarizes expected benefit payments through 2019 for the pension plans , including those payments expected to be paid from the company 2019s general assets .since the majority of the benefit payments are made in the form of lump-sum distributions , actual benefit payments may differ from expected benefit payments. . 2010      | $ 18181
2011      | 27090  
2012      | 21548  
2013      | 25513  
2014      | 24002  
2015-2019 | 128494  substantially all of the company 2019s u.s .employees are eligible to participate in a defined contribution savings plan ( the 201csavings plan 201d ) sponsored by the company .the savings plan allows employees to contribute a portion of their base compensation on a pre-tax and after-tax basis in accordance with specified guidelines .the company matches a percentage of employees 2019 contributions up to certain limits .in 2007 and prior years , the company could also contribute to the savings plan a discretionary profit sharing component linked to company performance during the prior year .beginning in 2008 , the discretionary profit sharing amount related to prior year company performance was paid directly to employees as a short-term cash incentive bonus rather than as a contribution to the savings plan .in addition , the company has several defined contribution plans outside of the united states .the company 2019s contribution expense related to all of its defined contribution plans was $ 40627 , $ 35341 and $ 26996 for 2009 , 2008 and 2007 , respectively .note 13 .postemployment and postretirement benefits the company maintains a postretirement plan ( the 201cpostretirement plan 201d ) providing health coverage and life insurance benefits for substantially all of its u.s .employees hired before july 1 , 2007 .the company amended the life insurance benefits under the postretirement plan effective january 1 , 2007 .the impact , net of taxes , of this amendment was an increase of $ 1715 to accumulated other comprehensive income in 2007 .in 2009 , the company recorded a $ 3944 benefit expense as a result of enhanced postretirement medical benefits under the postretirement plan provided to employees that chose to participate in a voluntary transition program. .
Question: what is the ratio of benefit payments in 2013 to 2012?
Steps: divide(25513, 21548)
Answer: 1.18401
Question: what is that less 1?

Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.
mastercard incorporated notes to consolidated financial statements 2014 ( continued ) ( in thousands , except percent and per share data ) the following table summarizes expected benefit payments through 2019 for the pension plans , including those payments expected to be paid from the company 2019s general assets .since the majority of the benefit payments are made in the form of lump-sum distributions , actual benefit payments may differ from expected benefit payments. . 2010      | $ 18181
2011      | 27090  
2012      | 21548  
2013      | 25513  
2014      | 24002  
2015-2019 | 128494  substantially all of the company 2019s u.s .employees are eligible to participate in a defined contribution savings plan ( the 201csavings plan 201d ) sponsored by the company .the savings plan allows employees to contribute a portion of their base compensation on a pre-tax and after-tax basis in accordance with specified guidelines .the company matches a percentage of employees 2019 contributions up to certain limits .in 2007 and prior years , the company could also contribute to the savings plan a discretionary profit sharing component linked to company performance during the prior year .beginning in 2008 , the discretionary profit sharing amount related to prior year company performance was paid directly to employees as a short-term cash incentive bonus rather than as a contribution to the savings plan .in addition , the company has several defined contribution plans outside of the united states .the company 2019s contribution expense related to all of its defined contribution plans was $ 40627 , $ 35341 and $ 26996 for 2009 , 2008 and 2007 , respectively .note 13 .postemployment and postretirement benefits the company maintains a postretirement plan ( the 201cpostretirement plan 201d ) providing health coverage and life insurance benefits for substantially all of its u.s .employees hired before july 1 , 2007 .the company amended the life insurance benefits under the postretirement plan effective january 1 , 2007 .the impact , net of taxes , of this amendment was an increase of $ 1715 to accumulated other comprehensive income in 2007 .in 2009 , the company recorded a $ 3944 benefit expense as a result of enhanced postretirement medical benefits under the postretirement plan provided to employees that chose to participate in a voluntary transition program. .
Question: what is the ratio of benefit payments in 2013 to 2012?
Steps: divide(25513, 21548)
Answer: 1.18401
Question: what is that less 1?
