263 We lease office space for use in our operations.  The lease agreements, which expire periodically through  August 2017,  contain provisions for scheduled periodic rent increases. Net rental expense in connection with these leases totaled  $5.6 million  in 2012, $5.0 million in 2011 and $4.9 million in 2010. The commitment for non-cancelable operating leases in future years is  as follows: The commitment for non-cancelable operating leases in future years has not been reduced by future minimum sublease  rental payments aggregating approximately  $14.1 million at December 31, 2012. (In thousands) 2013 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 12,863 2014 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12,810 2015 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10,071 2016 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,458 2017 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,939 Thereafter. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . — $ 43,141 Notes to Consolidated Financial Statements - (Continued) Radian Group Inc.