human
mastercard incorporated notes to consolidated financial statements 2014 (continued) (in thousands, except percent and per share data) the following table summarizes expected benefit payments through 2019 for the pension plans, including those payments expected to be paid from the company 2019s general assets. since the majority of the benefit payments are made in the form of lump-sum distributions, actual benefit payments may differ from expected benefit payments. .
| 2010 | $18,181 |
| --------- | --------- |
| 2011 | 27,090 |
| 2012 | 21,548 |
| 2013 | 25,513 |
| 2014 | 24,002 |
| 2015-2019 | 128,494 |
substantially all of the company 2019s u.s. employees are eligible to participate in a defined contribution savings plan (the 201csavings plan 201d) sponsored by the company. the savings plan allows employees to contribute a portion of their base compensation on a pre-tax and after-tax basis in accordance with specified guidelines. the company matches a percentage of employees 2019 contributions up to certain limits. in 2007 and prior years, the company could also contribute to the savings plan a discretionary profit sharing component linked to company performance during the prior year. beginning in 2008, the discretionary profit sharing amount related to prior year company performance was paid directly to employees as a short-term cash incentive bonus rather than as a contribution to the savings plan. in addition, the company has several defined contribution plans outside of the united states. the company 2019s contribution expense related to all of its defined contribution plans was $40627, $35341 and $26996 for 2009, 2008 and 2007, respectively. note 13. postemployment and postretirement benefits the company maintains a postretirement plan (the 201cpostretirement plan 201d) providing health coverage and life insurance benefits for substantially all of its u.s. employees hired before july 1, 2007. the company amended the life insurance benefits under the postretirement plan effective january 1, 2007. the impact, net of taxes, of this amendment was an increase of $1715 to accumulated other comprehensive income in 2007. in 2009, the company recorded a $3944 benefit expense as a result of enhanced postretirement medical benefits under the postretirement plan provided to employees that chose to participate in a voluntary transition program. .
Please answer the following questions with expressions if necessary.
what is the ratio of benefit payments in 2013 to 2012?
assistant
divide(25513, 21548)
human
what is that less 1?
assistant
divide(25513, 21548), subtract(#0, const_1)