--- tags: - sentence-transformers - sentence-similarity - feature-extraction - generated_from_trainer - dataset_size:2256 - loss:MultipleNegativesRankingLoss base_model: thomaskim1130/stella_en_400M_v5-FinanceRAG widget: - source_sentence: "Instruct: Given a web search query, retrieve relevant passages\ \ that answer the query.\nQuery: Title: \nText: What was the sum of Fourth Quarter\ \ without those Fourth Quarter smaller than 0, in 2012? (in million)" sentences: - "Title: \nText: Cash Flow Hedges Citigroup hedges the variability of forecasted\ \ cash flows associated with floating-rate assets/liabilities and other forecasted\ \ transactions.\nVariable cash flows from those liabilities are synthetically\ \ converted to fixed-rate cash flows by entering into receive-variable, pay-fixed\ \ interest rate swaps and receivevariable, pay-fixed forward-starting interest\ \ rate swaps.\nVariable cash flows associated with certain assets are synthetically\ \ converted to fixed-rate cash flows by entering into receive-fixed, pay-variable\ \ interest rate swaps.\nThese cash flow hedging relationships use either regression\ \ analysis or dollar-offset ratio analysis to assess whether the hedging relationships\ \ are highly effective at inception and on an ongoing basis.\nPrior to the adoption\ \ of ASU 2017-12, Citigroup designated the risk being hedged as the risk of overall\ \ variability in the hedged cash flows for certain items.\nWith the adoption of\ \ ASU 2017-12, Citigroup hedges the variability from changes in a contractually\ \ specified rate and recognizes the entire change in fair value of the cash flow\ \ hedging instruments in AOCI.\nPrior to the adoption of ASU 2017-12, to the extent\ \ that these derivatives were not fully effective, changes in their fair values\ \ in excess of changes in the value of the hedged transactions were immediately\ \ included in Other revenue.\nWith the adoption of ASU 2017-12, such amounts are\ \ no longer required to be immediately recognized in income, but instead the full\ \ change in the value of the hedging instrument is required to be recognized in\ \ AOCI, and then recognized in earnings in the same period that the cash flows\ \ impact earnings.\nThe pretax change in AOCI from cash flow hedges is presented\ \ below:\n| | Year ended December 31, |\n| In millions of dollars | 2018 | 2017\ \ | 2016 |\n| Amount of gain (loss) recognized in AOCI on derivative | | | \ \ |\n| Interest rate contracts-1 | $-361 | | $-165 | $-219 |\n| Foreign exchange\ \ contracts | 5 | -8 | 69 |\n| Total gain (loss) recognized in AOCI | $-356 |\ \ | $-173 | $-150 |\n| Amount of gain (loss) reclassified from AOCI to earnings\ \ | Otherrevenue | Net interestrevenue | Otherrevenue | Otherrevenue |\n| Interest\ \ rate contracts-1 | $— | $-301 | $-126 | $-140 |\n| Foreign exchange contracts\ \ | -17 | — | -10 | -93 |\n| Total gain (loss) reclassified from AOCI into earnings\ \ | $-17 | $-301 | $-136 | $-233 |\n(1) After January 1, 2018, all amounts reclassified\ \ into earnings for interest rate contracts are included in Interest income/Interest\ \ expense (Net interest revenue).\nFor all other hedges, including interest rate\ \ hedges prior to January 1, 2018, the amounts reclassified to earnings are included\ \ primarily in Other revenue and Net interest revenue in the Consolidated Statement\ \ of Income.\nFor cash flow hedges, the changes in the fair value of the hedging\ \ derivative remain in AOCI on the Consolidated Balance Sheet and will be included\ \ in the earnings of future periods to offset the variability of the hedged cash\ \ flows when such cash flows affect earnings.\nThe net gain (loss) associated\ \ with cash flow hedges expected to be reclassified from AOCI within 12?months\ \ of December?31, 2018 is approximately $404 million.\nThe maximum length of time\ \ over which forecasted cash flows are hedged is 10 years.\nThe after-tax impact\ \ of cash flow hedges on AOCI is shown in Note?19 to the Consolidated Financial\ \ Statements." - "Title: \nText: | | Net Sales |\n| (Amounts in millions) | 2012 | 2011 | 2010\ \ |\n| Product Category: | | | |\n| Tools | $1,729.4 | $1,667.3 | $1,545.1\ \ |\n| Diagnostics and repair information | 619.8 | 613.7 | 563.3 |\n| Equipment\ \ | 588.7 | 573.2 | 510.8 |\n| | $2,937.9 | $2,854.2 | $2,619.2 |\nThe tools\ \ product category includes hand tools, power tools and tool storage products.\n\ Hand tools include wrenches, sockets, ratchet wrenches, pliers, screwdrivers,\ \ punches and chisels, saws and cutting tools, pruning tools, torque measuring\ \ instruments and other similar products.\nPower tools include cordless (battery),\ \ pneumatic (air), hydraulic, and corded (electric) tools, such as impact wrenches,\ \ ratchets, chisels, drills, sanders, polishers and similar products.\nTool storage\ \ includes tool chests, roll cabinets, tool control systems and other similar\ \ products.\nThe majority of products are manufactured by Snap-on and, in completing\ \ the product offering, other items are purchased from external manufacturers.\n\ The diagnostics and repair information product category includes handheld and\ \ PC-based diagnostic products, service and repair information products, diagnostic\ \ software solutions, electronic parts catalogs, business management systems and\ \ services, point-of-sale systems, integrated systems for vehicle service shops,\ \ OEM purchasing facilitation services, and warranty management systems and analytics\ \ to help OEM dealership service and repair shops manage and track performance.\n\ The equipment product category includes solutions for the diagnosis and service\ \ of vehicles and industrial equipment.\nProducts include wheel alignment equipment,\ \ wheel balancers, tire changers, vehicle lifts, test lane systems, collision\ \ repair equipment, air conditioning service equipment, brake service equipment,\ \ fluid exchange equipment, transmission troubleshooting equipment, safety testing\ \ equipment, battery chargers and hoists.\nSnap-on supports the sale of its diagnostics\ \ and vehicle service shop equipment by offering training programs as well as\ \ after sales support for its customers, primarily focusing on the technologies\ \ and the application of specific products developed and marketed by Snap-on.\n\ Management’s Discussion and Analysis of Financial Condition and Results of Operations\ \ (continued) Segment gross profit of $105.0 million in the fourth quarter of\ \ 2012 decreased $1.4 million from 2011 levels.\nGross margin of 38.1% in the\ \ quarter improved 210 basis points from 36.0% last year primarily due to lower\ \ restructuring costs as well as savings from ongoing RCI initiatives, particularly\ \ in Europe.\nNo restructuring costs were incurred in the fourth quarter of 2012;\ \ gross profit in the fourth quarter of 2011 included $2.5 million of restructuring\ \ costs.\nSegment operating expenses of $73.1 million in the fourth quarter of\ \ 2012 decreased $0.3 million from 2011 levels.\nThe operating expense margin\ \ of 26.5% in the quarter increased 170 basis points from 24.8% last year primarily\ \ as a result of the lower sales.\nAs a result of these factors, segment operating\ \ earnings of $31.9 million in the fourth quarter of 2012, including $1.2 million\ \ of favorable foreign currency effects, decreased $1.1 million, or 3.3%, from\ \ 2011 levels.\nOperating margin for the Commercial & Industrial Group of 11.6%\ \ in the fourth quarter of 2012 improved 40 basis points from 11.2% last year.\n\ Snap-on Tools Group" - "Title: \nText: 5.\nBasis of Presentation and Summary of Significant Accounting\ \ Policies (a) Basis of Presentation On December 30, 2015, US Airways merged with\ \ and into American, which is reflected in American’s consolidated financial statements\ \ as though the transaction had occurred on December 9, 2013, when a subsidiary\ \ of AMR merged with and into US Airways Group.\nThus, the full years of 2015\ \ and 2014 and the period from December 9, 2013 to December 31, 2013 are comprised\ \ of the consolidated financial data of American and US Airways.\nFor the periods\ \ prior to December 9, 2013, the financial data reflects the results of American\ \ only.\nFor financial reporting purposes, the transaction constituted a transfer\ \ of assets between entities under common control and was accounted for in a manner\ \ similar to the pooling of interests method of accounting.\nUnder this method,\ \ the carrying amount of net assets recognized in the balance sheets of each combining\ \ entity are carried forward to the balance sheet of the combined entity and no\ \ other assets or liabilities are recognized.\nThe preparation of financial statements\ \ in accordance with accounting principles generally accepted in the United States\ \ (GAAP) requires management to make certain estimates and assumptions that affect\ \ the reported amounts of assets and liabilities, revenues and expenses, and the\ \ disclosure of contingent assets and liabilities at the date of the financial\ \ statements.\nActual results could differ from those estimates.\nThe most significant\ \ areas of judgment relate to passenger revenue recognition, impairment of goodwill,\ \ impairment of long-lived and\nThe following tables set forth the income yield\ \ and investment income, excluding realized investment gains (losses) and non-hedge\ \ accounting derivative results, for each major investment category of our Japanese\ \ operations’ general account for the periods indicated." - source_sentence: "Instruct: Given a web search query, retrieve relevant passages\ \ that answer the query.\nQuery: Title: \nText: ADBE share repurchase" sentences: - "Title: \nText: TELEFLEX INCORPORATED NOTES?TO CONSOLIDATED FINANCIAL STATEMENTS\ \ — (Continued) The Company issued 82,865, 93,367 and 105,239 of non-vested restricted\ \ stock units in 2017, 2016 and 2015, respectively, the majority of which provide\ \ for vesting as to all underlying shares on the third anniversary of the grant\ \ date.\nThe weighted average grant-date fair value for non-vested restricted\ \ stock units granted during 2017, 2016 and 2015 was $187.85, $142.71 and $118.00,\ \ respectively.\nThe Company recorded $11.2 million of expense related to restricted\ \ stock units during 2017, which is included in cost of goods sold or selling,\ \ general and administrative expenses.\nThe unamortized share-based compensation\ \ cost related to non-vested restricted stock units, net of expected forfeitures,\ \ was $13.2 million, which is expected to be recognized over a weighted-average\ \ period of 1.8 years.\nThe Company uses treasury stock to provide shares of common\ \ stock in connection with vesting of the restricted stock units.\nTELEFLEX INCORPORATED\ \ NOTES?TO CONSOLIDATED FINANCIAL STATEMENTS — (Continued) F-37 Note 13?— Income\ \ taxes The following table summarizes the components of the provision for income\ \ taxes from continuing operations:\n| | 2017 | 2016 | 2015 |\n| | (Dollars\ \ in thousands) |\n| Current: | | | |\n| Federal | $133,621 | $2,344 | $-4,700\ \ |\n| State | 5,213 | 5,230 | 2,377 |\n| Foreign | 35,444 | 28,842 | 53,151 |\n\ | Deferred: | | | |\n| Federal | -258,247 | -25,141 | -35,750 |\n| State |\ \ 1,459 | -1,837 | -5,012 |\n| Foreign | 212,158 | -1,364 | -2,228 |\n| | $129,648\ \ | $8,074 | $7,838 |\nThe Tax Cuts and Jobs Act (the “TCJA”) was enacted on December\ \ 22, 2017.\nThe legislation significantly changes U. S. tax law by, among other\ \ things, permanently reducing corporate income tax rates from a maximum of 35%\ \ to 21%, effective January 1, 2018; implementing a territorial tax system, by\ \ generally providing for, among other things, a dividends received deduction\ \ on the foreign source portion of dividends received from a foreign corporation\ \ if specified conditions are met; and imposing a one-time repatriation tax on\ \ undistributed post-1986 foreign subsidiary earnings and profits, which are deemed\ \ repatriated for purposes of the tax.\nAs a result of the TCJA, the Company reassessed\ \ and revalued its ending net deferred tax liabilities at December 31, 2017 and\ \ recognized a?$46.1 million?provisional tax benefit in the Company’s consolidated\ \ statement of income for the year ended December 31, 2017.\nAs a result of the\ \ deemed repatriation tax under the TCJA, the Company recognized a $154.0 million\ \ provisional tax expense in the Company’s consolidated statement of income for\ \ the year ended December 31, 2017, and the Company expects to pay this tax over\ \ an eight-year period.\nWhile the TCJA provides for a territorial tax system,\ \ beginning in 2018, it includes?two?new U. S. tax base erosion provisions, the\ \ global intangible low-taxed income (“GILTI”) provisions and the base-erosion\ \ and anti-abuse tax (“BEAT”) provisions.\nThe GILTI provisions require the Company\ \ to include in its U. S. income tax return foreign subsidiary earnings in excess\ \ of an allowable return on the foreign subsidiary’s tangible assets.\nThe Company\ \ expects that it will be subject to incremental U. S. tax on GILTI income beginning\ \ in 2018.\nBecause of the complexity of the new GILTI tax rules, the Company\ \ is continuing to evaluate this provision of the TCJA and the application of\ \ Financial Accounting Standards Board Accounting Standards Codification Topic\ \ 740, \"Income Taxes. \"\nUnder U. S. GAAP, the Company may make an accounting\ \ policy election to either (1) treat future taxes with respect to the inclusion\ \ in U. S. taxable income of amounts related to GILTI as current period expense\ \ when incurred (the “period cost method”) or (2) take such amounts into a company’s\ \ measurement of its deferred taxes (the “deferred method”).\nThe Company’s selection\ \ of an accounting policy with respect to the new GILTI tax rules will depend,\ \ in part, on an analysis of the Company’s global income to determine whether\ \ the Company expects to have future U. S. inclusions in taxable income related\ \ to GILTI and, if so, what the impact is expected to be.\nThe determination of\ \ whether the Company expects to have future U. S. inclusions" - 'Title: ADBE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued) Text: For fiscal 2023, 2022 and 2021, the prepayments were classified as treasury stock on our Consolidated Balance Sheets at the payment date, though only shares physically delivered to us by December 1, 2023, December 2, 2022 and December 3, 2021 were excluded from the computation of net income per share. As of December 1, 2023, $354 million of prepayment remained under our outstanding structured stock repurchase agreement.' - "Title: \nText: Market and Market Prices of Common Stock\nDuring 2016 fiscal year\ \ and through February 22, 2017, our common stock was traded on the Nasdaq Capital\ \ Market under the symbol “ACUR”. On February 23, 2017, our common stock was delisted\ \ from the Nasdaq Capital Market due to our failure to comply with Nasdaq’s Listing\ \ Rule 5550(b)(1), which requires that we maintain $2.5 million in stockholders’\ \ equity for continued listing (or meet the alternatives of market value of listed\ \ securities of $35 million or net income from continuing operations). NASDAQ\ \ had granted us a grace period through February 10, 2017, to regain compliance\ \ with Listing Rule 5550(b)(1), but we were unable to regain compliance within\ \ such period.\nCommencing on February 23, 2017, our common stock was quoted on\ \ the OTCQB under the symbol “ACUR”, however commencing June 4, 2018 and lasting\ \ until July 2, 2018 it was quoted on the OTC Markets OTC Pink tier. The downgrade\ \ was a result of the late filing of our 2017 Annual Report on Form 10-K beyond\ \ any applicable grace periods. The Company regained compliance with the OTCQB\ \ and effective July 3, 2018 it was quoted on the OTCQB. However, commencing May\ \ 20, 2019 as a result of late filing of our 2018 Annual Report on Form 10-K our\ \ common stock was again relegated to the OTC Markets OTC Pink tier. The Company\ \ regained compliance with the OTCQB in March, 2020 and effective March 23, 2020\ \ it was quoted on the OTCQB.\nSet forth below for the period indicated are the\ \ high and low sales prices for our common stock in the OTC Market of OTCQB and\ \ Pink tier.\nOn March 27, 2020 the closing sales price of our common stock was\ \ $0.22.\n\nPeriod | | Sales Prices\n---------------------------------\ \ | ----- | ------------\n | High | Low \ \ \n2019 Fiscal Year | | \nFirst Quarter\ \ | $0.29 | $0.11 \nSecond Quarter \ \ | 0.28 | 0.13 \nThird Quarter | 0.45 | 0.14 \ \ \nFourth Quarter | 0.63 | 0.20 \n2020 Fiscal\ \ Year | | \nFirst Quarter thru March 27, 2020\ \ | 0.47 | $0.12 " - source_sentence: "Instruct: Given a web search query, retrieve relevant passages\ \ that answer the query.\nQuery: Title: \nText: What is the growing rate of Equity\ \ securities, trading for Carrying amount in the year with the most Fixed maturities,\ \ available-for-sale ?" sentences: - "Title: \nText: The following table details the estimated changes by risk management\ \ strategy.\nThe table also gives the weighted-average duration of the asset portfolio\ \ for each category, and the net duration gap (i. e. , the weighted-average difference\ \ between the asset and liability durations).\n| | December 31, 2007 |\n| Risk\ \ Management Strategy | Value of total assets(in millions) | Duration of assets\ \ | Net duration gap | Net fair value change (in millions) |\n| Primary duration-managed\ \ | $33,183.4 | 3.53 | -0.01 | $3.3 |\n| Duration-monitored | 17,990.9 | 4.70\ \ | 0.22 | -39.6 |\n| Non duration-managed | 5,234.0 | 4.43 | N/A | N/A |\n| Total\ \ | $56,408.3 | | | $-36.3 |\nOur selection of a 100 basis point immediate,\ \ parallel increase or decrease in interest rates is a hypothetical rate scenario\ \ we use to demonstrate potential risk.\nWhile a 100 basis point immediate, parallel\ \ increase does not represent our view of future market changes, it is a near\ \ term reasonably possible hypothetical change that illustrates the potential\ \ impact of such events.\nWhile these fair value measurements provide a representation\ \ of interest rate sensitivity, they are based on our portfolio exposures at a\ \ point in time and may not be representative of future market results.\nThese\ \ exposures will change as a result of ongoing portfolio transactions in response\ \ to new business, management’s assessment of changing market conditions and available\ \ investment opportunities." - "Title: \nText: PART I ITEM 1. BUSINESS (dollars in millions, except per share,\ \ per ounce and per pound amounts) Introduction Newmont Mining Corporation is\ \ primarily a gold producer with significant operations and/or assets in the United\ \ States, Australia, Peru, Ghana and Suriname.\nAt December 31, 2016, Newmont\ \ had attributable proven and probable gold reserves of 68.5 million ounces and\ \ an aggregate land position of approximately 23,000 square miles (59,000 square\ \ kilometers).\nNewmont is also engaged in the production of copper, principally\ \ through Boddington in Australia and Phoenix in the United States.\nNewmont Mining\ \ Corporation\x80\x99s original predecessor corporation was incorporated in 1921\ \ under the laws of Delaware.\nOn November 2, 2016, Newmont completed the sale\ \ of its 48.5% economic interest in PT Newmont Nusa Tenggara (\x80\x9CPTNNT\x80\ \x9D), which operated the Batu Hijau copper and gold mine (\x80\x9CBatu Hijau\x80\ \x9D) in Indonesia (the \x80\x9CBatu Hijau Transaction\x80\x9D).\nAs a result,\ \ Newmont presents Batu Hijau as a discontinued operation for all periods presented.\n\ In the following discussion, we present and discuss our continuing operations\ \ unless otherwise indicated.\nFor additional information regarding our discontinued\ \ operations, see Note 3 to the Consolidated Financial Statements and the discussion\ \ in our Results of Consolidated Operations in Item 7.\nNewmont\x80\x99s corporate\ \ headquarters are in Greenwood Village, Colorado, USA.\nIn this report, \x80\x9C\ Newmont,\x80\x9D the \x80\x9CCompany,\x80\x9D \x80\x9Cour\x80\x9D and \x80\x9C\ we\x80\x9D refer to Newmont Mining Corporation together with our affiliates and\ \ subsidiaries, unless the context otherwise requires.\nReferences to \x80\x9C\ A$\x80\x9D refer to Australian currency.\nNewmont\x80\x99s Sales and long-lived\ \ assets for continuing operations are geographically distributed as follows:\n\ | | Sales | Long-Lived Assets |\n| | 2016 | 2015 | 2014 | 2016 | 2015 | 2014\ \ |\n| United States | 39% | 33% | 30% | 45% | 43% | 38% |\n| Australia | 32%\ \ | 32% | 30% | 19% | 18% | 19% |\n| Ghana | 15% | 15% | 17% | 16% | 16% | 17%\ \ |\n| Peru | 12% | 18% | 18% | 14% | 19% | 23% |\n| Suriname | 2% | —% | —% |\ \ 6% | 4% | 2% |\n| Other | —% | 2% | 5% | —% | —% | 1% |\nSegment Information\ \ Our regions include North America, South America, Asia Pacific, and Africa.\n\ Our North America segment consists primarily of Carlin, Phoenix, Twin Creeks and\ \ Long Canyon in the state of Nevada and Cripple Creek &Victor (\x80\x9CCC&V\x80\ \x9D) in the state of Colorado, in the United States.\nOur South America segment\ \ consists primarily of Yanacocha in Peru and Merian in Suriname.\nOur Asia Pacific\ \ segment consists primarily of Boddington, Tanami and Kalgoorlie in Australia.\n\ Our Africa segment consists primarily of Ahafo and Akyem in Ghana.\nSee Item 1A,\ \ Risk Factors, below, and Note 5 to the Consolidated Financial Statements for\ \ information relating to our operating segments, domestic and export sales and\ \ lack of dependence on a limited number of customers.\nProducts References in\ \ this report to \x80\x9Cattributable gold ounces\x80\x9D or \x80\x9Cattributable\ \ copper pounds\x80\x9D mean that portion of gold or copper produced, sold or\ \ included in proven and probable reserves based on our proportionate ownership,\ \ unless otherwise noted.\nGold General.\nWe had consolidated gold production\ \ from continuing operations of 5.2 million ounces (4.9 million attributable ounces)\ \ in 2016, 5.0 million ounces (4.6 million attributable ounces) in 2015 and 5.2\ \ million ounces (4.7 million attributable ounces) in 2014.\nOf our 2016 consolidated\ \ gold production, approximately 39% came from North America, 14% from South America,\ \ 31% from Asia Pacific and 16% from Africa.\nFor 2016, 2015 and 2014, 96%, 95%\ \ and 95%, respectively, of our Sales were attributable to gold.\nMost of our\ \ Sales come from the sale of refined gold.\nThe end product at our gold operations,\ \ however, is generally doré bars.\nDoré is an alloy consisting primarily of\ \ gold but also containing silver and other metals.\nDoré is sent to refiners\ \ to produce bullion that meets the required markett standard\nOperating Statistics\ \ The following tables detail operating statistics related to gold production,\ \ ounces sold and production costs per ounce of our continuing operations:\n|\ \ | North America | South America 2018 | |\n| Years Ended December 31, | 2018\ \ | 2017 | 2016 | 2017 | 2016 |\n| Tons mined (000 dry short tons): | | | |\ \ | | |\n| Open pit | 230,558 | 252,086 | 218,411 | 99,793 | 104,763 | 104,713\ \ |\n| Underground | 3,024 | 2,979 | 2,864 | — | — | — |\n| Tons processed (000\ \ dry short tons): | | | | | | |\n| Mill | 25,879 | 25,406 | 25,941 | 21,666\ \ | 20,690 | 9,006 |\n| Leach | 46,034 | 55,289 | 45,109 | 25,405 | 24,082 | 30,639\ \ |\n| Average ore grade (oz/ton): | | | | | | |\n| Mill | 0.075 | 0.077\ \ | 0.074 | 0.042 | 0.043 | 0.063 |\n| Leach | 0.017 | 0.020 | 0.019 | 0.013 |\ \ 0.013 | 0.012 |\n| Average mill recovery rate | 76.7% | 76.9% | 78.5% | 88.0%\ \ | 87.2% | 79.4% |\n| Ounces produced -000: | | | | | | |\n| Mill | 1,453\ \ | 1,485 | 1,501 | 802 | 752 | 434 |\n| Leach | 604 | 726 | 523 | 247 | 296 |\ \ 325 |\n| Consolidated | 2,057 | 2,211 | 2,024 | 1,049 | 1,048 | 759 |\n| Attributable\ \ | 2,057 | 2,211 | 2,024 | 671 | 660 | 414 |\n| Consolidated ounces sold -000\ \ | 2,052 | 2,204 | 1,990 | 1,060 | 1,046 | 736 |\n| Production costs per ounce\ \ sold:-1 | | | | | | |\n| Direct mining and production costs | $753 | $706\ \ | $729 | $593 | $639 | $737 |\n| By-product credits | -8 | -9 | -11 | -19 |\ \ -17 | -11 |\n| Royalties and production taxes | 12 | 10 | 15 | 53 | 54 | 38\ \ |\n| Write-downs and inventory change | 2 | 5 | -34 | 33 | 33 | -5 |\n| Costs\ \ applicable to sales | 759 | 712 | 699 | 660 | 709 | 759 |\n| Depreciation and\ \ amortization | 238 | 244 | 207 | 201 | 229 | 404 |\n| Reclamation accretion\ \ | 6 | 6 | 6 | 24 | 45 | 36 |\n| Total production costs | $1,003 | $962 | $912\ \ | $885 | $983 | $1,199 |\n| All-in sustaining costs per ounce sold-2 | $928\ \ | $876 | $854 | $804 | $870 | $932 |\nYears Ended December 31,\n| | Australia\ \ | Africa 2018 | |\n| Years Ended December 31, | 2018 | 2017 | 2016 | 2017 |\ \ 2016 |\n| Tons mined (000 dry short tons): | | | | | | |\n| Open pit |\ \ 103,192 | 114,371 | 126,619 | 71,970 | 74,580 | 75,048 |\n| Underground | 3,202\ \ | 3,144 | 3,279 | 1,339 | 279 | — |\n| Tons milled (000 dry short tons) | 54,337\ \ | 52,802 | 51,606 | 15,585 | 16,884 | 17,289 |\n| Average ore grade (oz/ton)\ \ | 0.032 | 0.035 | 0.037 | 0.058 | 0.053 | 0.052 |\n| Average mill recovery rate\ \ | 87.4% | 86.1% | 86.4% | 92.6% | 92.3% | 91.1% |\n| Ounces produced -000: |\ \ | | | | | |\n| Mill | 1,523 | 1,573 | 1,641 | 850 | 822 | 819 |\n| Consolidated\ \ | 1,523 | 1,573 | 1,641 | 850 | 822 | 819 |\n| Consolidated ounces sold -000\ \ | 1,553 | 1,558 | 1,624 | 851 | 824 | 822 |\n| Production costs per ounce sold:-1\ \ | | | | | | |\n| Direct mining and production costs | $681 | $673 | $605\ \ | $592 | $573 | $553 |\n| By-product credits | -7 | -8 | -7 | -2 | -2 | -2 |\n\ | Royalties and production taxes | 32 | 32 | 32 | 55 | 51 | 50 |\n| Write-downs\ \ and inventory change | 3 | -25 | — | — | 33 | 65 |\n| Costs applicable to sales\ \ | 709 | 672 | 630 | 645 | 655 | 666 |\n| Depreciation and amortization | 133\ \ | 134 | 135 | 301 | 277 | 271 |\n| Reclamation accretion | 8 | 7 | 7 | 9 | 9\ \ | 7 |\n| Total production costs | $850 | $813 | $772 | $955 | $941 | $944 |\n\ | All-in sustaining costs per ounce sold-2 | $845 | $806 | $777 | $794 | $785\ \ | $795 |\nTable of Contents The following performance graph is not \x80\x9C\ soliciting material,\x80\x9D is not deemed filed with the SEC, and is not to be\ \ incorporated by reference into any of Valero\x80\x99s filings under the Securities\ \ Act of 1933 or the Securities Exchange Act of 1934, as amended, respectively.\n\ This performance graph and the related textual information are based on historical\ \ data and are not indicative of future performance.\nThe following line graph\ \ compares the cumulative total return 1 on an investment in our common stock\ \ against the cumulative total return of the S&P 500 Composite Index and an index\ \ of peer companies (that we selected) for the five-year period commencing December\ \ 31, 2006 and ending December 31, 2011." - "Title: \nText: NOTE 4 Derivatives Derivative Balances Derivatives are entered\ \ into on behalf of customers, for trading, as economic hedges or as qualifying\ \ accounting hedges.\nThe Corporation enters into derivatives to facilitate client\ \ transactions, for principal trading purposes and to manage risk exposures.\n\ For additional information on the Corporation\x80\x99s derivatives and hedging\ \ activities, see Note 1 \x80\x93 Summary of Significant Accounting Principles.\n\ The table below identifies derivative instruments included on the Corporation\x80\ \x99s Consolidated Balance Sheet in derivative assets and liabilities at December\ \ 31, 2010 and 2009.\nBalances are presented on a gross basis, prior to the application\ \ of counterparty and collateral netting.\nTotal derivative assets and liabilities\ \ are adjusted on an aggregate basis to take into consideration the effects of\ \ legally enforceable master netting agreements and have been reduced by the cash\ \ collateral applied.\n| | | December 31, 2010 |\n| | | Gross Derivative Assets\ \ | Gross Derivative Liabilities |\n| | | Trading | | | Trading | | |\n\ | | | Derivatives | | | Derivatives | | |\n| | | and | Qualifying | |\ \ and | Qualifying | |\n| | Contract/ | Economic | Accounting | | Economic\ \ | Accounting | |\n| (Dollars in billions) | Notional-1 | Hedges | Hedges-2\ \ | Total | Hedges | Hedges-2 | Total |\n| Interest rate contracts | | | |\ \ | | | |\n| Swaps | $42,719.2 | $1,193.9 | $14.9 | $1,208.8 | $1,187.9 |\ \ $2.2 | $1,190.1 |\n| Futures and forwards | 9.939.2 | 6.0 | – | 6.0 | 4.7 |\ \ – | 4.7 |\n| Written options | 2,887.7 | – | – | – | 82.8 | – | 82.8 |\n| Purchased\ \ options | 3,026.2 | 88.0 | – | 88.0 | – | – | – |\n| Foreign exchange contracts\ \ | | | | | | | |\n| Swaps | 630.1 | 26.5 | 3.7 | 30.2 | 28.5 | 2.1 | 30.6\ \ |\n| Spot, futures and forwards | 2,652.9 | 41.3 | – | 41.3 | 44.2 | – | 44.2\ \ |\n| Written options | 439.6 | – | – | – | 13.2 | – | 13.2 |\n| Purchased options\ \ | 417.1 | 13.0 | – | 13.0 | – | – | – |\n| Equity contracts | | | | | |\ \ | |\n| Swaps | 42.4 | 1.7 | – | 1.7 | 2.0 | – | 2.0 |\n| Futures and forwards\ \ | 78.8 | 2.9 | – | 2.9 | 2.1 | – | 2.1 |\n| Written options | 242.7 | – | –\ \ | – | 19.4 | – | 19.4 |\n| Purchased options | 193.5 | 21.5 | – | 21.5 | – |\ \ – | – |\n| Commodity contracts | | | | | | | |\n| Swaps | 90.2 | 8.8\ \ | 0.2 | 9.0 | 9.3 | – | 9.3 |\n| Futures and forwards | 413.7 | 4.1 | – | 4.1\ \ | 2.8 | – | 2.8 |\n| Written options | 86.3 | – | – | – | 6.7 | – | 6.7 |\n\ | Purchased options | 84.6 | 6.6 | – | 6.6 | – | – | – |\n| Credit derivatives\ \ | | | | | | | |\n| Purchased credit derivatives: | | | | | | |\ \ |\n| Credit default swaps | 2,184.7 | 69.8 | – | 69.8 | 34.0 | – | 34.0 |\n\ | Total return swaps/other | 26.0 | 0.9 | – | 0.9 | 0.2 | – | 0.2 |\n| Written\ \ credit derivatives: | | | | | | | |\n| Credit default swaps | 2,133.5\ \ | 33.3 | – | 33.3 | 63.2 | – | 63.2 |\n| Total return swaps/other | 22.5 | 0.5\ \ | – | 0.5 | 0.5 | – | 0.5 |\n| Gross derivative assets/liabilities | | $1,518.8\ \ | $18.8 | $1,537.6 | $1,501.5 | $4.3 | $1,505.8 |\n| Less: Legally enforceable\ \ master netting agreements | | | | -1,406.3 | | | -1,406.3 |\n| Less: Cash\ \ collateral applied | | | | -58.3 | | | -43.6 |\n| Total derivative assets/liabilities\ \ | | | | $73.0 | | | $55.9 |\n(1) Represents the total contract/notional\ \ amount of derivative assets and liabilities outstanding.\n(2) Excludes $4.1\ \ billion of long-term debt designated as a hedge of foreign currency risk." - source_sentence: "Instruct: Given a web search query, retrieve relevant passages\ \ that answer the query.\nQuery: Title: \nText: What does the deferred income\ \ taxes reflect?" sentences: - "Title: \nText: 19. INCOME TAXES\nDeferred income taxes reflect the net effect\ \ of temporary differences between the carrying amounts of assets and liabilities\ \ for financial reporting purposes and amounts used for income tax purposes. The\ \ components of our deferred tax assets and liabilities are as follows (in thousands):\n\ As of September 27, 2019, we had $923.4 million of gross federal net operating\ \ loss (\"NOL\") carryforwards consisting of $479.2 million relating to the AppliedMicro\ \ Acquisition, $158.9 million relating to our acquisition of Mindspeed Technologies,\ \ Inc. in 2013, $26.2 million relating to our acquisition of BinOptics Corporation\ \ in 2014 and $259.1 million relating to losses generated by MACOM.\nThe federal\ \ NOL carryforwards will expire at various dates through 2037 for losses generated\ \ prior to the tax period ended September 28, 2018. For losses generated during\ \ the tax period ended September 28, 2018 and future years, the NOL carryforward\ \ period is infinite. The reported net operating loss carryforward includes any\ \ limitation under Sections 382 and 383 of the Internal Revenue Code of 1986,\ \ as amended, which applies to an ownership change as defined under Section 382.\n\ \n | September 27, 2019 |\ \ September 28, 2018\n---------------------------------------------------- | ------------------\ \ | ------------------\nDeferred tax assets (liabilities): |\ \ | \nFederal and foreign net operating losses\ \ and credits | $263,199 | $321,982 \n Intangible assets \ \ | 9,887 | (94,929) \n\ \ Property and equipment | (1,473) | (6,293)\ \ \nOther non-current deferred tax assets | 16,933 \ \ | 13,850 \nDeferred compensation \ \ | — | 3,810 \nDeferred gain \ \ | — | 6,575 \nInterest\ \ | 7,170 | — \ \ \n Valuation allowance | (252,536)\ \ | (243,112) \nTotal deferred tax asset \ \ | $43,180 | $1,883 " - "Title: \nText: The following table presents the components of impairment and\ \ other charges, net, in each fiscal year (in thousands):\nRestructuring costs\ \ decreased by $2.2 million as a result of lower severance expenses, as our general\ \ and administrative cost reduction initiative came to its conclusion as planned.\ \ Costs of closed restaurants and other increased by $3.8 million, primarily due\ \ to a $3.5 million charge recorded in 2019 related to the write- off of software\ \ development costs associated with a discontinued technology project. Gains on\ \ disposition of property and equipment, net, increased by $7.9 million, primarily\ \ due to a $5.7 million gain related to a sale of property and a$0.8 million gain\ \ related to an eminent domain transaction in 2019.\nRefer to Note 9, Impairment\ \ and Other Charges, Net, of the notes to the consolidated financial statements\ \ for additional information regarding these charges.\n\n \ \ | 2019 | 2018 \n------------------------------------------------------------\ \ | ------- | -------\nRestructuring costs \ \ | $8,455 | $10,647\nCosts of closed restaurants and other \ \ | 8,628 | 4,803 \n(Gains) losses on disposition of property and\ \ equipment, net | (6,244) | 1,627 \nAccelerated depreciation \ \ | 1,616 | 1,130 \nOperating restaurant impairment charges\ \ | — | 211 \n \ \ | $12,455 | $18,418" - "Title: \nText: MetLife, Inc. Notes to Consolidated Financial Statements \x80\ \x94 (Continued) $4.3 billion, of which $1.6 billion is deductible for income\ \ tax purposes.\nFurther information on goodwill is described in Note 6.\nSee\ \ Note 5 for the VOBA acquired as part of the acquisition and Note 7 for the value\ \ of distribution agreements (\x80\x9CVODA\x80\x9D) and the value of customer\ \ relationships acquired (\x80\x9CVOCRA\x80\x9D).\nAs part of the integration\ \ of Travelers\x80\x99 operations, management approved and initiated plans to\ \ reduce approximately 1,000 domestic and international Travelers positions, which\ \ was completed in December 2006.\nMetLife initially recorded restructuring costs,\ \ including severance, relocation and outplacement services of Travelers\x80\x99\ \ employees, as liabilities assumed in the purchase business combination of $49\ \ million.\nFor the years ended December 31, 2006 and 2005, the liability for\ \ restructuring costs was reduced by $4 million and $1 million, respectively,\ \ due to a reduction in the estimate of severance benefits to be paid to Travelers\ \ employees.\nThe restructuring costs associated with the Travelers acquisition\ \ were as follows:\n| | Years Ended December 31, |\n| | 2006 | 2005 |\n| |\ \ (In millions) |\n| Balance at January 1, | $28 | $— |\n| Acquisition | — | 49\ \ |\n| Cash payments | -24 | -20 |\n| Other reductions | -4 | -1 |\n| Balance\ \ at December 31, | $— | $28 |\nOther Acquisitions and Dispositions On June 28,\ \ 2007, the Company acquired the remaining 50% interest in a joint venture in\ \ Hong Kong, MetLife Fubon Limited (\x80\x9CMetLife Fubon\x80\x9D), for $56 million\ \ in cash, resulting in MetLife Fubon becoming a consolidated subsidiary of the\ \ Company.\nThe transaction was treated as a step acquisition, and at June 30,\ \ 2007, total assets and liabilities of MetLife Fubon of $839 million and $735\ \ million, respectively, were included in the Company\x80\x99s consolidated balance\ \ sheet.\nThe Company\x80\x99s investment for the initial 50% interest in MetLife\ \ Fubon was $48 million.\nThe Company used the equity method of accounting for\ \ such investment in MetLife Fubon.\nThe Company\x80\x99s share of the joint venture\x80\ \x99s results for the six months ended June 30, 2007, was a loss of $3 million.\n\ The fair value of the assets acquired and the liabilities assumed in the step\ \ acquisition at June 30, 2007, was $427 million and $371 million, respectively.\n\ No additional goodwill was recorded as a part of the step acquisition.\nAs a result\ \ of this acquisition, additional VOBA and VODA of $45 million and $5 million,\ \ respectively, were recorded and both have a weighted average amortization period\ \ of 16 years.\nFurther information on VOBA and VODA is described in Note 5 and\ \ Note 7, respectively.\nOn June 1, 2007, the Company completed the sale of its\ \ Bermuda insurance subsidiary, MetLife International Insurance, Ltd. (\x80\x9C\ MLII\x80\x9D), to a third party for $33 million in cash consideration, resulting\ \ in a gain upon disposal of $3 million, net of income tax.\nThe net assets of\ \ MLII at disposal were $27 million.\nA liability of $1 million was recorded with\ \ respect to a guarantee provided in connection with this disposition.\nFurther\ \ information on guarantees is described in Note 16.\nOn September 1, 2005, the\ \ Company completed the acquisition of CitiStreet Associates, a division of CitiStreet\ \ LLC, which is primarily involved in the distribution of annuity products and\ \ retirement plans to the education, healthcare, and not-for-profit markets, for\ \ $56 million, of which $2 million was allocated to goodwill and $54 million to\ \ other identifiable intangibles, specifically the value of customer relationships\ \ acquired, which have a weighted average amortization period of 16 years.\nCitiStreet\ \ Associates was integrated with MetLife Resources, a focused distribution channel\ \ of MetLife, which is dedicated to provide retirement plans and financial services\ \ to the same markets.\nFurther information on goodwill and VOCRA is described\ \ in Note 6 and Note 7, respectively.\nSee Note 23 for information on the disposition\ \ of the annuities and pension businesses of MetLife Insurance Limited (\x80\x9C\ MetLife Australia\x80\x9D), P. T. Sejahtera (\x80\x9CMetLife Indonesia\x80\x9D\ ) and SSRM Holdings, Inc. (\x80\x9CSSRM\x80\x9D).\nSee Note 25 for information\ \ on the Company\x80\x99s acquisitions subsequent to December 31, 2007." - source_sentence: "Instruct: Given a web search query, retrieve relevant passages\ \ that answer the query.\nQuery: Title: \nText: In the year with lowest amount\ \ of Deposits with banks Average volume, what's the increasing rate of Deposits\ \ with banks Average volume?" sentences: - "Title: \nText: Issuer Purchases of Equity Securities Repurchases of common stock\ \ are made to support the Company\x80\x99s stock-based employee compensation plans\ \ and for other corporate purposes.\nOn February 13, 2006, the Board of Directors\ \ authorized the purchase of $2.0 billion of the Company\x80\x99s common stock\ \ between February 13, 2006 and February 28, 2007.\nIn August 2006, 3M\x80\x99\ s Board of Directors authorized the repurchase of an additional $1.0 billion in\ \ share repurchases, raising the total authorization to $3.0 billion for the period\ \ from February 13, 2006 to February 28, 2007.\nIn February 2007, 3M\x80\x99s\ \ Board of Directors authorized a twoyear share repurchase of up to $7.0 billion\ \ for the period from February 12, 2007 to February 28, 2009." - "Title: \nText: Additional Interest Rate Details Average Balances and Interest\ \ Ratesé\x88¥æ\x93\x9Cssets(1)(2)(3)(4)\n| | Average volume | Interest revenue\ \ | % Average rate |\n| In millions of dollars, except rates | 2015 | 2014 | 2013\ \ | 2015 | 2014 | 2013 | 2015 | 2014 | 2013 |\n| Assets | | | | | | | |\ \ | |\n| Deposits with banks-5 | $133,790 | $161,359 | $144,904 | $727 | $959\ \ | $1,026 | 0.54% | 0.59% | 0.71% |\n| Federal funds sold and securities borrowed\ \ or purchased under agreements to resell-6 | | | | | | | | | |\n| In\ \ U.S. offices | $150,359 | $153,688 | $158,237 | $1,211 | $1,034 | $1,133 | 0.81%\ \ | 0.67% | 0.72% |\n| In offices outside the U.S.-5 | 84,006 | 101,177 | 109,233\ \ | 1,305 | 1,332 | 1,433 | 1.55 | 1.32 | 1.31 |\n| Total | $234,365 | $254,865\ \ | $267,470 | $2,516 | $2,366 | $2,566 | 1.07% | 0.93% | 0.96% |\n| Trading account\ \ assets-7(8) | | | | | | | | | |\n| In U.S. offices | $114,639 | $114,910\ \ | $126,123 | $3,945 | $3,472 | $3,728 | 3.44% | 3.02% | 2.96% |\n| In offices\ \ outside the U.S.-5 | 103,348 | 119,801 | 127,291 | 2,141 | 2,538 | 2,683 | 2.07\ \ | 2.12 | 2.11 |\n| Total | $217,987 | $234,711 | $253,414 | $6,086 | $6,010\ \ | $6,411 | 2.79% | 2.56% | 2.53% |\n| Investments | | | | | | | | |\ \ |\n| In U.S. offices | | | | | | | | | |\n| Taxable | $214,714 | $188,910\ \ | $174,084 | $3,812 | $3,286 | $2,713 | 1.78% | 1.74% | 1.56% |\n| Exempt from\ \ U.S. income tax | 20,034 | 20,386 | 18,075 | 443 | 626 | 811 | 2.21 | 3.07 |\ \ 4.49 |\n| In offices outside the U.S.-5 | 102,376 | 113,163 | 114,122 | 3,071\ \ | 3,627 | 3,761 | 3.00 | 3.21 | 3.30 |\n| Total | $337,124 | $322,459 | $306,281\ \ | $7,326 | $7,539 | $7,285 | 2.17% | 2.34% | 2.38% |\n| Loans (net of unearned\ \ income)(9) | | | | | | | | | |\n| In U.S. offices | $354,439 | $361,769\ \ | $354,707 | $24,558 | $26,076 | $25,941 | 6.93% | 7.21% | 7.31% |\n| In offices\ \ outside the U.S.-5 | 273,072 | 296,656 | 292,852 | 15,988 | 18,723 | 19,660\ \ | 5.85 | 6.31 | 6.71 |\n| Total | $627,511 | $658,425 | $647,559 | $40,546 |\ \ $44,799 | $45,601 | 6.46% | 6.80% | 7.04% |\n| Other interest-earning assets-10\ \ | $55,060 | $40,375 | $38,233 | $1,839 | $507 | $602 | 3.34% | 1.26% | 1.57%\ \ |\n| Total interest-earning assets | $1,605,837 | $1,672,194 | $1,657,861 |\ \ $59,040 | $62,180 | $63,491 | 3.68% | 3.72% | 3.83% |\n| Non-interest-earning\ \ assets-7 | $218,000 | $224,721 | $222,526 | | | | | | |\n| Total assets\ \ from discontinued operations | — | — | 2,909 | | | | | | |\n| Total assets\ \ | $1,823,837 | $1,896,915 | $1,883,296 | | | | | | |\nNet interest revenue\ \ includes the taxable equivalent adjustments related to the tax-exempt bond portfolio\ \ (based on the U. S. federal statutory tax rate of 35%) of $487 million, $498\ \ million and $521 million for 2015, 2014 and 2013, respectively.\nInterest rates\ \ and amounts include the effects of risk management activities associated with\ \ the respective asset categories.\nMonthly or quarterly averages have been used\ \ by certain subsidiaries where daily averages are unavailable.\nDetailed average\ \ volume, Interest revenue and Interest expense exclude Discontinued operations.\n\ See Note 2 to the Consolidated Financial Statements.\nAverage rates reflect prevailing\ \ local interest rates, including inflationary effects and monetary corrections\ \ in certain countries.\nAverage volumes of securities borrowed or purchased under\ \ agreements to resell are reported net pursuant to ASC 210-20-45.\nHowever, Interest\ \ revenue excludes the impact of ASC 210-20-45.\nThe fair value carrying amounts\ \ of derivative contracts are reported net, pursuant to ASC 815-10-45, in Non-interest-earning\ \ assets and Other non-interest bearing liabilities.\nInterest expense on Trading\ \ account liabilities of ICG is reported as a reduction of Interest revenue.\n\ Interest revenue and Interest expense on cash collateral positions are reported\ \ in interest on Trading account assets and Trading account liabilities, respectively.\n\ Includes cash-basis loans.\nIncludes brokerage receivables.\nDuring 2015, continued\ \ management actions, primarily the sale or transfer to held-for-sale of approximately\ \ $1.5 billion of delinquent residential first mortgages, including $0.9 billion\ \ in the fourth quarter largely associated with the transfer of CitiFinancial\ \ loans to held-for-sale referenced above, were the primary driver of the overall\ \ improvement in delinquencies within Citi Holdings\x80\x99 residential first\ \ mortgage portfolio.\nCredit performance from quarter to quarter could continue\ \ to be impacted by the amount of delinquent loan sales or transfers to held-for-sale,\ \ as well as overall trends in HPI and interest rates.\nNorth America Residential\ \ First Mortgages\x80\x94State Delinquency Trends The following tables set forth\ \ the six U. S. states and/or regions with the highest concentration of Citi\x80\ \x99s residential first mortgages.\n| In billions of dollars | December 31, 2015\ \ | December 31, 2014 |\n| State-1 | ENR-2 | ENRDistribution | 90+DPD% | %LTV\ \ >100%-3 | RefreshedFICO | ENR-2 | ENRDistribution | 90+DPD% | %LTV >100%-3 |\ \ RefreshedFICO |\n| CA | $19.2 | 37% | 0.2% | 1% | 754 | $18.9 | 31% | 0.6% |\ \ 2% | 745 |\n| NY/NJ/CT-4 | 12.7 | 25 | 0.8 | 1 | 751 | 12.2 | 20 | 1.9 | 2 |\ \ 740 |\n| VA/MD | 2.2 | 4 | 1.2 | 2 | 719 | 3.0 | 5 | 3.0 | 8 | 695 |\n| IL-4\ \ | 2.2 | 4 | 1.0 | 3 | 735 | 2.5 | 4 | 2.5 | 9 | 713 |\n| FL-4 | 2.2 | 4 | 1.1\ \ | 4 | 723 | 2.8 | 5 | 3.0 | 14 | 700 |\n| TX | 1.9 | 4 | 1.0 | — | 711 | 2.5\ \ | 4 | 2.7 | — | 680 |\n| Other | 11.0 | 21 | 1.3 | 2 | 710 | 18.2 | 30 | 3.3\ \ | 7 | 677 |\n| Total-5 | $51.5 | 100% | 0.7% | 1% | 738 | $60.1 | 100% | 2.1%\ \ | 4% | 715 |\nNote: Totals may not sum due to rounding.\n(1) Certain of the\ \ states are included as part of a region based on Citi\x80\x99s view of similar\ \ HPI within the region.\n(2) Ending net receivables.\nExcludes loans in Canada\ \ and Puerto Rico, loans guaranteed by U. S. government agencies, loans recorded\ \ at fair value and loans subject to long term standby commitments (LTSCs).\n\ Excludes balances for which FICO or LTV data are unavailable.\n(3) LTV ratios\ \ (loan balance divided by appraised value) are calculated at origination and\ \ updated by applying market price data.\n(4) New York, New Jersey, Connecticut,\ \ Florida and Illinois are judicial states.\n(5) Improvement in state trends during\ \ 2015 was primarily due to the sale or transfer to held-for-sale of residential\ \ first mortgages, including the transfer of CitiFinancial residential first mortgages\ \ to held-for-sale in the fourth quarter of 2015.\nForeclosures A substantial\ \ majority of Citi\x80\x99s foreclosure inventory consists of residential first\ \ mortgages.\nAt December 31, 2015, Citi\x80\x99s foreclosure inventory included\ \ approximately $0.1 billion, or 0.2%, of the total residential first mortgage\ \ portfolio, compared to $0.6 billion, or 0.9%, at December 31, 2014, based on\ \ the dollar amount of ending net receivables of loans in foreclosure inventory,\ \ excluding loans that are guaranteed by U. S. government agencies and loans\ \ subject to LTSCs.\nNorth America Consumer Mortgage Quarterly Credit Trends \x80\ \x94Net Credit Losses and Delinquencies\x80\x94Home Equity Loans Citi\x80\x99\ s home equity loan portfolio consists of both fixed-rate home equity loans and\ \ loans extended under home equity lines of credit.\nFixed-rate home equity loans\ \ are fully amortizing.\nHome equity lines of credit allow for amounts to be drawn\ \ for a period of time with the payment of interest only and then, at the end\ \ of the draw period, the then-outstanding amount is converted to an amortizing\ \ loan (the interest-only payment feature during the revolving period is standard\ \ for this product across the industry).\nAfter conversion, the home equity loans\ \ typically have a 20-year amortization period.\nAs of December 31, 2015, Citi\x80\ \x99s home equity loan portfolio of $22.8 billion consisted of $6.3 billion of\ \ fixed-rate home equity loans and $16.5 billion of loans extended under home\ \ equity lines of credit (Revolving HELOCs)." - "Title: \nText: | (Dollar amounts in thousands) | Rate | | Principal Amount of\ \ Subordinated Note/ Debenture Issued to Trust -1 | Investment in Unconsolidated\ \ Subsidiary -2 |\n| Huntington Capital I | 0.99 | -3 | $138,816 | $6,186 |\n\ | Huntington Capital II | 0.93 | -4 | 60,093 | 3,093 |\n| Huntington Capital III\ \ | 6.69 | | 114,072 | 10 |\n| BancFirst Ohio Trust Preferred | 8.54 | | 23,248\ \ | 619 |\n| Sky Financial Capital Trust I | 8.52 | | 64,474 | 1,856 |\n| Sky\ \ Financial Capital Trust II | 3.52 | -5 | 30,929 | 929 |\n| Sky Financial Capital\ \ Trust III | 1.28 | -6 | 77,481 | 2,320 |\n| Sky Financial Capital Trust IV |\ \ 1.27 | -6 | 77,482 | 2,320 |\n| Prospect Trust I | 3.54 | -7 | 6,186 | 186 |\n\ | Total | | | $592,781 | $17,519 |\n(1) Represents the principal amount of debentures\ \ issued to each trust, including unamortized original issue discount.\n(2) Huntington\x80\ \x99s investment in the unconsolidated trusts represents the only risk of loss.\n\ (3) Variable effective rate at December 31, 2010, based on three month LIBOR +\ \ 0.70.\n(4) Variable effective rate at December 31, 2010, based on three month\ \ LIBOR + 0.625.\n(5) Variable effective rate at December 31, 2010, based on three\ \ month LIBOR + 2.95.\n(6) Variable effective rate at December 31, 2010, based\ \ on three month LIBOR + 1.40.\n(7) Variable effective rate at December 31, 2010,\ \ based on three month LIBOR + 3.25.\nEach issue of the junior subordinated debentures\ \ has an interest rate equal to the corresponding trust securities distribution\ \ rate.\nHuntington has the right to defer payment of interest on the debentures\ \ at any time, or from time to time for a period not exceeding five years, provided\ \ that no extension period may extend beyond the stated maturity of the related\ \ debentures.\nDuring any such extension period, distributions to the trust securities\ \ will also be deferred and Huntington\x80\x99s ability to pay dividends on its\ \ common stock will be restricted.\nPeriodic cash payments and payments upon liquidation\ \ or redemption with respect to trust securities are guaranteed by Huntington\ \ to the extent of funds held by the trusts.\nThe guarantee ranks subordinate\ \ and junior in right of payment to all indebtedness of the Company to the same\ \ extent as the junior subordinated debt.\nThe guarantee does not place a limitation\ \ on the amount of additional indebtedness that may be incurred by Huntington.\n\ Low Income Housing Tax Credit Partnerships Huntington makes certain equity investments\ \ in various limited partnerships that sponsor affordable housing projects utilizing\ \ the Low Income Housing Tax Credit pursuant to Section 42 of the Internal Revenue\ \ Code.\nThe purpose of these investments is to achieve a satisfactory return\ \ on capital, to facilitate the sale of additional affordable housing product\ \ offerings, and to assist in achieving goals associated with the Community Reinvestment\ \ Act.\nThe primary activities of the limited partnerships include the identification,\ \ development, and operation of multi-family housing that is leased to qualifying\ \ residential tenants.\nGenerally, these types of investments are funded through\ \ a combination of debt and equity.\nHuntington does not own a majority of the\ \ limited partnership interests in these entities and is not the primary beneficiary.\n\ Huntington uses the equity method to account for the majority of its investments\ \ in these entities.\nThese investments are included in accrued income and other\ \ assets.\nAt December 31, 2010 and 2009, Huntington has commitments of $316.0\ \ million and $285.3 million, respectively, of which $260.1 million and" pipeline_tag: sentence-similarity 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 model-index: - name: SentenceTransformer based on thomaskim1130/stella_en_400M_v5-FinanceRAG results: - task: type: information-retrieval name: Information Retrieval dataset: name: Evaluate type: Evaluate metrics: - type: cosine_accuracy@1 value: 0.46359223300970875 name: Cosine Accuracy@1 - type: cosine_accuracy@3 value: 0.6820388349514563 name: Cosine Accuracy@3 - type: cosine_accuracy@5 value: 0.7597087378640777 name: Cosine Accuracy@5 - type: cosine_accuracy@10 value: 0.8519417475728155 name: Cosine Accuracy@10 - type: cosine_precision@1 value: 0.46359223300970875 name: Cosine Precision@1 - type: cosine_precision@3 value: 0.25647249190938515 name: Cosine Precision@3 - type: cosine_precision@5 value: 0.17766990291262133 name: Cosine Precision@5 - type: cosine_precision@10 value: 0.10242718446601942 name: Cosine Precision@10 - type: cosine_recall@1 value: 0.4095469255663431 name: Cosine Recall@1 - type: cosine_recall@3 value: 0.6423948220064724 name: Cosine Recall@3 - type: cosine_recall@5 value: 0.7298543689320389 name: Cosine Recall@5 - type: cosine_recall@10 value: 0.8398462783171521 name: Cosine Recall@10 - type: cosine_ndcg@10 value: 0.6409313886654548 name: Cosine Ndcg@10 - type: cosine_mrr@10 value: 0.5902248035136388 name: Cosine Mrr@10 - type: cosine_map@100 value: 0.5753196287486457 name: Cosine Map@100 - type: dot_accuracy@1 value: 0.4393203883495146 name: Dot Accuracy@1 - type: dot_accuracy@3 value: 0.6747572815533981 name: Dot Accuracy@3 - type: dot_accuracy@5 value: 0.7354368932038835 name: Dot Accuracy@5 - type: dot_accuracy@10 value: 0.8422330097087378 name: Dot Accuracy@10 - type: dot_precision@1 value: 0.4393203883495146 name: Dot Precision@1 - type: dot_precision@3 value: 0.25 name: Dot Precision@3 - type: dot_precision@5 value: 0.17087378640776701 name: Dot Precision@5 - type: dot_precision@10 value: 0.09975728155339807 name: Dot Precision@10 - type: dot_recall@1 value: 0.3828478964401295 name: Dot Recall@1 - type: dot_recall@3 value: 0.6338187702265372 name: Dot Recall@3 - type: dot_recall@5 value: 0.7005258899676375 name: Dot Recall@5 - type: dot_recall@10 value: 0.8223705501618123 name: Dot Recall@10 - type: dot_ndcg@10 value: 0.6194906173849263 name: Dot Ndcg@10 - type: dot_mrr@10 value: 0.5711877793188473 name: Dot Mrr@10 - type: dot_map@100 value: 0.5528301778009912 name: Dot Map@100 --- # SentenceTransformer based on thomaskim1130/stella_en_400M_v5-FinanceRAG This is a [sentence-transformers](https://www.SBERT.net) model finetuned from [thomaskim1130/stella_en_400M_v5-FinanceRAG](https://huggingface.co/thomaskim1130/stella_en_400M_v5-FinanceRAG). 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](https://huggingface.co/thomaskim1130/stella_en_400M_v5-FinanceRAG) - **Maximum Sequence Length:** 512 tokens - **Output Dimensionality:** 1024 tokens - **Similarity Function:** Cosine Similarity ### 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: In the year with lowest amount of Deposits with banks Average volume, what's the increasing rate of Deposits with banks Average volume?", 'Title: \nText: Additional Interest Rate Details Average Balances and Interest Ratesé\x88¥æ\x93\x9cssets(1)(2)(3)(4)\n| | Average volume | Interest revenue | % Average rate |\n| In millions of dollars, except rates | 2015 | 2014 | 2013 | 2015 | 2014 | 2013 | 2015 | 2014 | 2013 |\n| Assets | | | | | | | | | |\n| Deposits with banks-5 | $133,790 | $161,359 | $144,904 | $727 | $959 | $1,026 | 0.54% | 0.59% | 0.71% |\n| Federal funds sold and securities borrowed or purchased under agreements to resell-6 | | | | | | | | | |\n| In U.S. offices | $150,359 | $153,688 | $158,237 | $1,211 | $1,034 | $1,133 | 0.81% | 0.67% | 0.72% |\n| In offices outside the U.S.-5 | 84,006 | 101,177 | 109,233 | 1,305 | 1,332 | 1,433 | 1.55 | 1.32 | 1.31 |\n| Total | $234,365 | $254,865 | $267,470 | $2,516 | $2,366 | $2,566 | 1.07% | 0.93% | 0.96% |\n| Trading account assets-7(8) | | | | | | | | | |\n| In U.S. offices | $114,639 | $114,910 | $126,123 | $3,945 | $3,472 | $3,728 | 3.44% | 3.02% | 2.96% |\n| In offices outside the U.S.-5 | 103,348 | 119,801 | 127,291 | 2,141 | 2,538 | 2,683 | 2.07 | 2.12 | 2.11 |\n| Total | $217,987 | $234,711 | $253,414 | $6,086 | $6,010 | $6,411 | 2.79% | 2.56% | 2.53% |\n| Investments | | | | | | | | | |\n| In U.S. offices | | | | | | | | | |\n| Taxable | $214,714 | $188,910 | $174,084 | $3,812 | $3,286 | $2,713 | 1.78% | 1.74% | 1.56% |\n| Exempt from U.S. income tax | 20,034 | 20,386 | 18,075 | 443 | 626 | 811 | 2.21 | 3.07 | 4.49 |\n| In offices outside the U.S.-5 | 102,376 | 113,163 | 114,122 | 3,071 | 3,627 | 3,761 | 3.00 | 3.21 | 3.30 |\n| Total | $337,124 | $322,459 | $306,281 | $7,326 | $7,539 | $7,285 | 2.17% | 2.34% | 2.38% |\n| Loans (net of unearned income)(9) | | | | | | | | | |\n| In U.S. offices | $354,439 | $361,769 | $354,707 | $24,558 | $26,076 | $25,941 | 6.93% | 7.21% | 7.31% |\n| In offices outside the U.S.-5 | 273,072 | 296,656 | 292,852 | 15,988 | 18,723 | 19,660 | 5.85 | 6.31 | 6.71 |\n| Total | $627,511 | $658,425 | $647,559 | $40,546 | $44,799 | $45,601 | 6.46% | 6.80% | 7.04% |\n| Other interest-earning assets-10 | $55,060 | $40,375 | $38,233 | $1,839 | $507 | $602 | 3.34% | 1.26% | 1.57% |\n| Total interest-earning assets | $1,605,837 | $1,672,194 | $1,657,861 | $59,040 | $62,180 | $63,491 | 3.68% | 3.72% | 3.83% |\n| Non-interest-earning assets-7 | $218,000 | $224,721 | $222,526 | | | | | | |\n| Total assets from discontinued operations | — | — | 2,909 | | | | | | |\n| Total assets | $1,823,837 | $1,896,915 | $1,883,296 | | | | | | |\nNet interest revenue includes the taxable equivalent adjustments related to the tax-exempt bond portfolio (based on the U. S. federal statutory tax rate of 35%) of $487 million, $498 million and $521 million for 2015, 2014 and 2013, respectively.\nInterest rates and amounts include the effects of risk management activities associated with the respective asset categories.\nMonthly or quarterly averages have been used by certain subsidiaries where daily averages are unavailable.\nDetailed average volume, Interest revenue and Interest expense exclude Discontinued operations.\nSee Note 2 to the Consolidated Financial Statements.\nAverage rates reflect prevailing local interest rates, including inflationary effects and monetary corrections in certain countries.\nAverage volumes of securities borrowed or purchased under agreements to resell are reported net pursuant to ASC 210-20-45.\nHowever, Interest revenue excludes the impact of ASC 210-20-45.\nThe fair value carrying amounts of derivative contracts are reported net, pursuant to ASC 815-10-45, in Non-interest-earning assets and Other non-interest bearing liabilities.\nInterest expense on Trading account liabilities of ICG is reported as a reduction of Interest revenue.\nInterest revenue and Interest expense on cash collateral positions are reported in interest on Trading account assets and Trading account liabilities, respectively.\nIncludes cash-basis loans.\nIncludes brokerage receivables.\nDuring 2015, continued management actions, primarily the sale or transfer to held-for-sale of approximately $1.5 billion of delinquent residential first mortgages, including $0.9 billion in the fourth quarter largely associated with the transfer of CitiFinancial loans to held-for-sale referenced above, were the primary driver of the overall improvement in delinquencies within Citi Holdings\x80\x99 residential first mortgage portfolio.\nCredit performance from quarter to quarter could continue to be impacted by the amount of delinquent loan sales or transfers to held-for-sale, as well as overall trends in HPI and interest rates.\nNorth America Residential First Mortgages\x80\x94State Delinquency Trends The following tables set forth the six U. S. states and/or regions with the highest concentration of Citi\x80\x99s residential first mortgages.\n| In billions of dollars | December 31, 2015 | December 31, 2014 |\n| State-1 | ENR-2 | ENRDistribution | 90+DPD% | %LTV >100%-3 | RefreshedFICO | ENR-2 | ENRDistribution | 90+DPD% | %LTV >100%-3 | RefreshedFICO |\n| CA | $19.2 | 37% | 0.2% | 1% | 754 | $18.9 | 31% | 0.6% | 2% | 745 |\n| NY/NJ/CT-4 | 12.7 | 25 | 0.8 | 1 | 751 | 12.2 | 20 | 1.9 | 2 | 740 |\n| VA/MD | 2.2 | 4 | 1.2 | 2 | 719 | 3.0 | 5 | 3.0 | 8 | 695 |\n| IL-4 | 2.2 | 4 | 1.0 | 3 | 735 | 2.5 | 4 | 2.5 | 9 | 713 |\n| FL-4 | 2.2 | 4 | 1.1 | 4 | 723 | 2.8 | 5 | 3.0 | 14 | 700 |\n| TX | 1.9 | 4 | 1.0 | — | 711 | 2.5 | 4 | 2.7 | — | 680 |\n| Other | 11.0 | 21 | 1.3 | 2 | 710 | 18.2 | 30 | 3.3 | 7 | 677 |\n| Total-5 | $51.5 | 100% | 0.7% | 1% | 738 | $60.1 | 100% | 2.1% | 4% | 715 |\nNote: Totals may not sum due to rounding.\n(1) Certain of the states are included as part of a region based on Citi\x80\x99s view of similar HPI within the region.\n(2) Ending net receivables.\nExcludes loans in Canada and Puerto Rico, loans guaranteed by U. S. government agencies, loans recorded at fair value and loans subject to long term standby commitments (LTSCs).\nExcludes balances for which FICO or LTV data are unavailable.\n(3) LTV ratios (loan balance divided by appraised value) are calculated at origination and updated by applying market price data.\n(4) New York, New Jersey, Connecticut, Florida and Illinois are judicial states.\n(5) Improvement in state trends during 2015 was primarily due to the sale or transfer to held-for-sale of residential first mortgages, including the transfer of CitiFinancial residential first mortgages to held-for-sale in the fourth quarter of 2015.\nForeclosures A substantial majority of Citi\x80\x99s foreclosure inventory consists of residential first mortgages.\nAt December 31, 2015, Citi\x80\x99s foreclosure inventory included approximately $0.1 billion, or 0.2%, of the total residential first mortgage portfolio, compared to $0.6 billion, or 0.9%, at December 31, 2014, based on the dollar amount of ending net receivables of loans in foreclosure inventory, excluding loans that are guaranteed by U. S. government agencies and loans subject to LTSCs.\nNorth America Consumer Mortgage Quarterly Credit Trends \x80\x94Net Credit Losses and Delinquencies\x80\x94Home Equity Loans Citi\x80\x99s home equity loan portfolio consists of both fixed-rate home equity loans and loans extended under home equity lines of credit.\nFixed-rate home equity loans are fully amortizing.\nHome equity lines of credit allow for amounts to be drawn for a period of time with the payment of interest only and then, at the end of the draw period, the then-outstanding amount is converted to an amortizing loan (the interest-only payment feature during the revolving period is standard for this product across the industry).\nAfter conversion, the home equity loans typically have a 20-year amortization period.\nAs of December 31, 2015, Citi\x80\x99s home equity loan portfolio of $22.8 billion consisted of $6.3 billion of fixed-rate home equity loans and $16.5 billion of loans extended under home equity lines of credit (Revolving HELOCs).', 'Title: \nText: Issuer Purchases of Equity Securities Repurchases of common stock are made to support the Company\x80\x99s stock-based employee compensation plans and for other corporate purposes.\nOn February 13, 2006, the Board of Directors authorized the purchase of $2.0 billion of the Company\x80\x99s common stock between February 13, 2006 and February 28, 2007.\nIn August 2006, 3M\x80\x99s Board of Directors authorized the repurchase of an additional $1.0 billion in share repurchases, raising the total authorization to $3.0 billion for the period from February 13, 2006 to February 28, 2007.\nIn February 2007, 3M\x80\x99s Board of Directors authorized a twoyear share repurchase of up to $7.0 billion for the period from February 12, 2007 to February 28, 2009.', ] 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] ``` ## Evaluation ### Metrics #### Information Retrieval * Dataset: `Evaluate` * Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator) | Metric | Value | |:--------------------|:-----------| | cosine_accuracy@1 | 0.4636 | | cosine_accuracy@3 | 0.682 | | cosine_accuracy@5 | 0.7597 | | cosine_accuracy@10 | 0.8519 | | cosine_precision@1 | 0.4636 | | cosine_precision@3 | 0.2565 | | cosine_precision@5 | 0.1777 | | cosine_precision@10 | 0.1024 | | cosine_recall@1 | 0.4095 | | cosine_recall@3 | 0.6424 | | cosine_recall@5 | 0.7299 | | cosine_recall@10 | 0.8398 | | cosine_ndcg@10 | 0.6409 | | cosine_mrr@10 | 0.5902 | | **cosine_map@100** | **0.5753** | | dot_accuracy@1 | 0.4393 | | dot_accuracy@3 | 0.6748 | | dot_accuracy@5 | 0.7354 | | dot_accuracy@10 | 0.8422 | | dot_precision@1 | 0.4393 | | dot_precision@3 | 0.25 | | dot_precision@5 | 0.1709 | | dot_precision@10 | 0.0998 | | dot_recall@1 | 0.3828 | | dot_recall@3 | 0.6338 | | dot_recall@5 | 0.7005 | | dot_recall@10 | 0.8224 | | dot_ndcg@10 | 0.6195 | | dot_mrr@10 | 0.5712 | | dot_map@100 | 0.5528 | ## Training Details ### Training Dataset #### Unnamed Dataset * Size: 2,256 training samples * Columns: sentence_0 and sentence_1 * Approximate statistics based on the first 1000 samples: | | sentence_0 | sentence_1 | |:--------|:------------------------------------------------------------------------------------|:-------------------------------------------------------------------------------------| | type | string | string | | details | | | * Samples: | sentence_0 | sentence_1 | |:----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|:-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | Instruct: Given a web search query, retrieve relevant passages that answer the query.
Query: Title:
Text: What do all Notional sum up, excluding those negative ones in 2008 for As of December 31, 2008 for Financial assets with interest rate risk? (in million) | Title:
Text: Cash Flows Our estimated future benefit payments for funded and unfunded plans are as follows (in millions):
1 The expected benefit payments for our other postretirement benefit plans are net of estimated federal subsidies expected to be received under the Medicare Prescription Drug, Improvement and Modernization Act of 2003.
Federal subsidies are estimated to be $3 million for the period 2019-2023 and $2 million for the period 2024-2028.
The Company anticipates making pension contributions in 2019 of $32 million, all of which will be allocated to our international plans.
The majority of these contributions are required by funding regulations or law. | | Instruct: Given a web search query, retrieve relevant passages that answer the query.
Query: Title:
Text: what's the total amount of No surrender charge of 2010 Individual Fixed Annuities, Change in cash of 2008, and Total reserves of 2010 Individual Variable Annuities ? | Title:
Text: 2010 and 2009 Comparison Surrender rates have improved compared to the prior year for group retirement products, individual fixed annuities and individual variable annuities as surrenders have returned to more normal levels.
Surrender rates for individual fixed annuities have decreased significantly in 2010 due to the low interest rate environment and the relative competitiveness of interest credited rates on the existing block of fixed annuities versus interest rates on alternative investment options available in the marketplace.
Surrender rates for group retirement products are expected to increase in 2011 as certain large group surrenders are anticipated.2009 and 2008 Comparison Surrenders and other withdrawals increased in 2009 for group retirement products primarily due to higher large group surrenders.
However, surrender rates and withdrawals have improved for individual fixed annuities and individual variable annuities.
The following table presents reserves by surrender charge category and surrender rates:
| | 2010 | 2009 |
| At December 31,(in millions) | Group Retirement Products* | Individual Fixed Annuities | Individual Variable Annuities | Group Retirement Products* | Individual Fixed Annuities | Individual Variable Annuities |
| No surrender charge | $52,742 | $14,006 | $11,859 | $47,854 | $11,444 | $11,161 |
| 0% - 2% | 1,292 | 3,510 | 4,083 | 1,509 | 3,054 | 4,094 |
| Greater than 2% - 4% | 1,754 | 5,060 | 2,040 | 1,918 | 5,635 | 2,066 |
| Greater than 4% | 2,753 | 22,777 | 7,361 | 3,213 | 23,885 | 6,758 |
| Non-Surrenderable | 792 | 3,136 | 238 | 850 | 3,184 | 558 |
| Total reserves | $59,333 | $48,489 | $25,581 | $55,344 | $47,202 | $24,637 |
| Surrender rates | 10.3% | 7.4% | 11.4% | 12.3% | 14.4% | 12.1% |
* Excludes mutual funds of $9.0 billion and $8.1 billion in 2010 and 2009, respectively.
Financial Services Operations AIG€™s Financial Services subsidiaries engage in diversified activities including commercial aircraft leasing and the remaining Capital Markets portfolios, which are conducted through ILFC and AIGFP, respectively.
Following the classification of AGF as discontinued operations in the third quarter of 2010 (see Note 4 to the Consolidated Financial Statements), AIG€™s remaining consumer finance businesses are now reported in AIG€™s Other operations category as part of Divested businesses.
As discussed in Note 3 to the Consolidated Financial Statements, in order to align financial reporting with changes made during the third quarter of 2010 to the manner in which AIG€™s chief operating decision makers review the businesses to make decisions about resources to be allocated and to assess performance, changes were made to AIG€™s segment information.
During the third quarter of 2010, AIG€™s Asset Management Group undertook the management responsibilities for non-derivative assets and liabilities of the Capital Markets€™ businesses of the Financial Services segment.
These assets and liabilities are being managed on a spread basis, in concert with the MIP.
Accordingly, gains and losses related to these assets and liabilities, primarily consisting of credit valuation adjustment gains and losses are reported in AIG€™s Other operations category as part of Asset Management €” Direct Investment business.
Also, intercompany interest related to loans from AIG Funding Inc. (AIG Funding) to AIGFP is no longer being allocated to Capital Markets from Other operations.
The remaining Capital Markets derivatives business continues to be reported in the Financial Services segment as part of Capital Markets results.
American International Group, Inc. , and Subsidiaries solely for illustrative purposes.
The selection of these specific events should not be construed as a prediction, but only as a demonstration of the potential effects of such events.
These scenarios should not be construed as the only risks AIG faces; these events are shown as an indication of several possible losses AIG could experience.
In addition, losses from these and other risks could be materially higher than illustrated.
The sensitivity factors utilized for 2010 and presented above were selected based on historical data from 1990 to 2010, as follows (see the table below): ?
a 100 basis point parallel shift in the yield curve is broadly consistent with a one standard deviation movement of the benchmark ten-year treasury yield; ?
a 20 percent drop for equity and alternative investments is broadly consistent with a one standard deviation movement in the S&P 500; and ?
a 10 percent depreciation of foreign currency exchange rates is consistent with a one standard deviation movement in the U. S. dollar (USD)/Japanese Yen (JPY) exchange rate.
| | Period | StandardDeviation | Suggested2010Scenario | 2010 Scenarioas aMultiple ofStandardDeviation | 2010 Change/ Return | 2010 as aMultiple ofStandardDeviation | Original2009 Scenario(based onStandardDeviation for1989-2009Period) |
| 10-Year Treasury | 1990-2010 | 0.01 | 0.01 | 1.01 | -0.01 | 0.56 | 0.01 |
| S&P 500 | 1990-2010 | 0.19 | 0.20 | 1.05 | 0.13 | 0.67 | 0.20 |
| USD/JPY | 1990-2010 | 0.11 | 0.10 | 0.92 | 0.15 | 1.34 | 0.10 |
Operational Risk Management AIG€™s Operational Risk Management department (ORM) oversees AIG€™s operational risk management practices.
The Director of ORM reports to the CRO.
ORM is responsible for establishing and maintaining the framework, principles and guidelines of AIG€™s operational risk management program.
Each business unit is responsible for its operational risks and implementing the components of the operational risk management program to effectively identify, assess, monitor and mitigate such risks.
This responsibility includes developing and implementing policies, procedures, management oversight processes, and other governance-related activities consistent with AIG€™s overall operational risk management process.
Senior operational risk executives in the businesses report to the Director of ORM and to business management.
This reporting structure facilitates development of business-specific knowledge of operational risk matters, while at the same time maintaining company-wide consistency in AIG€™s overall approach to operational risk management.
A strong operational risk management program facilitates escalation and resolution of operational risk issues.
In order to accomplish this, AIG€™s operational risk management program is designed to: ?
pro-actively address potential operational risk issues; ?
create transparency at all levels of the organization; and ?
assign clear ownership and accountability for addressing identified issues.
As part of the operational risk management framework, AIG has implemented a risk and control self assessment (RCSA) process.
The RCSA process is used to identify key operational risks and evaluate the effectiveness of existing controls to mitigate those risks.
Corrective action plans are developed to address any identified issues.
In 2010, business units continued to enhance their RCSA processes to perform more robust risk assessments.
American International Group, Inc. , and Subsidiaries AIG€™s consolidated risk target is to maintain a minimum liquidity buffer such that AIG Parent€™s liquidity needs under the ERM stress scenarios do not exceed 80 percent of AIG Parent€™s overall liquidity sources over the specified two-year horizon.
If the 80 percent minimum threshold is projected to be breached over this defined time horizon, AIG will take appropriate actions to further increase liquidity sources or reduce liquidity needs to maintain the target threshold, although no assurance can be given that this would be possible under then-prevailing market conditions.
AIG expects to enter into additional capital maintenance agreements with its U. S. insurance companies to manage the flow of capital and funds between AIG Parent and the insurance companies.
As a result of these ERM stress tests, AIG believes that it has sufficient liquidity at the AIG Parent level to satisfy future liquidity requirements and meet its obligations, including reasonably foreseeable contingencies or events.
See further discussion regarding AIG Parent and subsidiary liquidity considerations in Liquidity of Parent and Subsidiaries below. | | Instruct: Given a web search query, retrieve relevant passages that answer the query.
Query: Title:
Text: What was the total amount of elements for RevPAR excluding those elements greater than 150 in 2016 ? | Title:
Text: 2016 Compared to 2015 Comparable?Company-Operated North American Properties
| | RevPAR | Occupancy | Average Daily Rate |
| | 2016 | Change vs. 2015 | 2016 | Change vs. 2015 | 2016 | Change vs. 2015 |
| JW Marriott | $187.02 | 4.0% | 76.8% | 2.2% | pts. | $243.57 | 1.1% |
| The Ritz-Carlton | $252.40 | 3.6% | 71.9% | 1.0% | pts. | $350.99 | 2.2% |
| W Hotels | $239.94 | -2.2% | 81.7% | 0.2% | pts. | $293.82 | -2.5% |
| Composite North American Luxury-1 | $242.10 | 2.8% | 76.3% | 1.4% | pts. | $317.13 | 0.9% |
| Marriott Hotels | $144.94 | 2.4% | 75.4% | 0.7% | pts. | $192.23 | 1.4% |
| Sheraton | $149.49 | 2.1% | 76.5% | -0.5% | pts. | $195.40 | 2.7% |
| Westin | $167.21 | 0.9% | 77.4% | -0.6% | pts. | $216.07 | 1.7% |
| Composite North American Upper Upscale-2 | $149.92 | 2.3% | 76.1% | 0.3% | pts. | $196.98 | 1.8% |
| North American Full-Service-3 | $166.97 | 2.4% | 76.2% | 0.5% | pts. | $219.25 | 1.7% |
| Courtyard | $103.65 | 2.2% | 73.1% | 0.3% | pts. | $141.83 | 1.7% |
| Residence Inn | $118.14 | 3.8% | 79.0% | 0.6% | pts. | $149.56 | 3.0% |
| Composite North American Limited-Service-4 | $106.20 | 2.8% | 75.0% | 0.5% | pts. | $141.68 | 2.1% |
| North American - All-5 | $147.48 | 2.5% | 75.8% | 0.5% | pts. | $194.64 | 1.8% |
Comparable?Systemwide North American Properties
| | RevPAR | Occupancy | Average Daily Rate |
| | 2016 | Change vs. 2015 | 2016 | Change vs. 2015 | 2016 | Change vs. 2015 |
| JW Marriott | $178.91 | 3.5% | 76.0% | 1.3% | pts. | $235.47 | 1.8% |
| The Ritz-Carlton | $252.40 | 3.6% | 71.9% | 1.0% | pts. | $350.99 | 2.2% |
| W Hotels | $239.94 | -2.2% | 81.7% | 0.2% | pts. | $293.82 | -2.5% |
| Composite North American Luxury-1 | $231.99 | 2.8% | 76.0% | 1.2% | pts. | $305.36 | 1.2% |
| Marriott Hotels | $124.39 | 2.0% | 72.4% | 0.3% | pts. | $171.92 | 1.5% |
| Sheraton | $115.58 | 2.4% | 73.3% | 0.3% | pts. | $157.73 | 2.0% |
| Westin | $152.94 | 2.4% | 76.9% | 0.1% | pts. | $198.98 | 2.3% |
| Composite North American Upper Upscale-2 | $130.44 | 2.5% | 73.9% | 0.4% | pts. | $176.52 | 1.9% |
| North American Full-Service-3 | $141.11 | 2.6% | 74.1% | 0.5% | pts. | $190.41 | 1.9% |
| Courtyard | $101.49 | 1.9% | 72.9% | —% | pts. | $139.24 | 1.9% |
| Residence Inn | $112.78 | 2.4% | 79.0% | -0.1% | pts. | $142.78 | 2.6% |
| Fairfield Inn & Suites | $77.96 | 1.2% | 70.1% | -0.5% | pts. | $111.20 | 1.9% |
| Composite North American Limited-Service-4 | $96.62 | 2.0% | 74.2% | —% | pts. | $130.15 | 2.0% |
| North American - All-5 | $116.47 | 2.3% | 74.2% | 0.2% | pts. | $157.00 | 2.0% |
(1) Includes JW Marriott, The Ritz-Carlton, W Hotels, The Luxury Collection, St. Regis, and EDITION.
(2) Includes Marriott Hotels, Sheraton, Westin, Renaissance, Autograph Collection, Gaylord Hotels, Le Méridien, and Tribute Portfolio.
(3) Includes Composite North American Luxury and Composite North American Upper Upscale.
(4) Includes Courtyard, Residence Inn, Fairfield Inn & Suites, SpringHill Suites, and TownePlace Suites.
Systemwide also includes Four Points, Aloft, and Element.
(5) Includes North American Full-Service and Composite North American Limited-Service. | * Loss: [MultipleNegativesRankingLoss](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
Click to expand - `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
### Training Logs | Epoch | Step | Evaluate_cosine_map@100 | |:-----:|:----:|:-----------------------:| | 0 | 0 | 0.4564 | | 1.0 | 141 | 0.5233 | | 2.0 | 282 | 0.5753 | ### 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} } ```