what percentage of total revenues net of interest expense where net interest revenues in 2010?
local consumer lending local consumer lending ( lcl ) , which constituted approximately 70% ( 70 % ) of citi holdings by assets as of december 31 , 2010 , includes a portion of citigroup 2019s north american mortgage business , retail partner cards , western european cards and retail banking , citifinancial north america and other local consumer finance businesses globally . the student loan corporation is reported as discontinued operations within the corporate/other segment for the second half of 2010 only . at december 31 , 2010 , lcl had $ 252 billion of assets ( $ 226 billion in north america ) . approximately $ 129 billion of assets in lcl as of december 31 , 2010 consisted of u.s . mortgages in the company 2019s citimortgage and citifinancial operations . the north american assets consist of residential mortgage loans ( first and second mortgages ) , retail partner card loans , personal loans , commercial real estate ( cre ) , and other consumer loans and assets . in millions of dollars 2010 2009 2008 % (  % ) change 2010 vs . 2009 % (  % ) change 2009 vs . 2008 .

| In millions of dollars | 2010 | 2009 | 2008 | % Change 2010 vs. 2009 | % Change 2009 vs. 2008 |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Net interest revenue | $13,831 | $12,995 | $17,136 | 6% | (24)% |
| Non-interest revenue | 1,995 | 4,770 | 6,362 | (58) | (25) |
| Total revenues, net of interest expense | $15,826 | $17,765 | $23,498 | (11)% | (24)% |
| Total operating expenses | $8,064 | $9,799 | $14,238 | (18)% | (31)% |
| Net credit losses | $17,040 | $19,185 | $13,111 | (11)% | 46% |
| Credit reserve build (release) | (1,771) | 5,799 | 8,573 | NM | (32) |
| Provision for benefits and claims | 775 | 1,054 | 1,192 | (26) | (12) |
| Provision for unfunded lending commitments | — | — | — | — | — |
| Provisions for credit losses and for benefits and claims | $16,044 | $26,038 | $22,876 | (38)% | 14% |
| (Loss) from continuing operations before taxes | $(8,282) | $(18,072) | $(13,616) | 54% | (33)% |
| Benefits for income taxes | (3,289) | (7,656) | (5,259) | 57 | (46) |
| (Loss) from continuing operations | $(4,993) | $(10,416) | $(8,357) | 52% | (25)% |
| Net income attributable to noncontrolling interests | 8 | 33 | 12 | (76) | NM |
| Net (loss) | $(5,001) | $(10,449) | $(8,369) | 52% | (25)% |
| Average assets(in billions of dollars) | $324 | $351 | $420 | (8)% | (16) |
| Net credit losses as a percentage of average loans | 6.20% | 6.38% | 3.80% |  |  |

nm not meaningful 2010 vs . 2009 revenues , net of interest expense decreased 11% ( 11 % ) from the prior year . net interest revenue increased 6% ( 6 % ) due to the adoption of sfas 166/167 , partially offset by the impact of lower balances due to portfolio run-off and asset sales . non-interest revenue declined 58% ( 58 % ) , primarily due to the absence of the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 and a higher mortgage repurchase reserve charge . operating expenses decreased 18% ( 18 % ) , primarily due to the impact of divestitures , lower volumes , re-engineering actions and the absence of costs associated with the u.s . government loss-sharing agreement , which was exited in the fourth quarter of 2009 . provisions for credit losses and for benefits and claims decreased 38% ( 38 % ) , reflecting a net $ 1.8 billion credit reserve release in 2010 compared to a $ 5.8 billion build in 2009 . lower net credit losses across most businesses were partially offset by the impact of the adoption of sfas 166/167 . on a comparable basis , net credit losses were lower year-over-year , driven by improvement in u.s . mortgages , international portfolios and retail partner cards . assets declined 21% ( 21 % ) from the prior year , primarily driven by portfolio run-off , higher loan loss reserve balances , and the impact of asset sales and divestitures , partially offset by an increase of $ 41 billion resulting from the adoption of sfas 166/167 . key divestitures in 2010 included the student loan corporation , primerica , auto loans , the canadian mastercard business and u.s . retail sales finance portfolios . 2009 vs . 2008 revenues , net of interest expense decreased 24% ( 24 % ) from the prior year . net interest revenue was 24% ( 24 % ) lower than the prior year , primarily due to lower balances , de-risking of the portfolio , and spread compression . non-interest revenue decreased $ 1.6 billion , mostly driven by the impact of higher credit losses flowing through the securitization trusts , partially offset by the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 . operating expenses declined 31% ( 31 % ) from the prior year , due to lower volumes and reductions from expense re-engineering actions , and the impact of goodwill write-offs of $ 3.0 billion in the fourth quarter of 2008 , partially offset by higher costs associated with delinquent loans . provisions for credit losses and for benefits and claims increased 14% ( 14 % ) from the prior year , reflecting an increase in net credit losses of $ 6.1 billion , partially offset by lower reserve builds of $ 2.8 billion . higher net credit losses were primarily driven by higher losses of $ 3.6 billion in residential real estate lending , $ 1.0 billion in retail partner cards , and $ 0.7 billion in international . assets decreased $ 57 billion from the prior year , primarily driven by lower originations , wind-down of specific businesses , asset sales , divestitures , write- offs and higher loan loss reserve balances . key divestitures in 2009 included the fi credit card business , italy consumer finance , diners europe , portugal cards , norway consumer and diners club north america. .

interest_revenue_2010 = 13831
interest_revenue_total = 15826
percent_2010 = interest_revenue_2010 / interest_revenue_total
answer = percent_2010 * 100