what percent of the direct amount is ceded to other companies in 2009 , ( in millions ) ?
s c h e d u l e i v ace limited and subsidiaries s u p p l e m e n t a l i n f o r m a t i o n c o n c e r n i n g r e i n s u r a n c e premiums earned for the years ended december 31 , 2009 , 2008 , and 2007 ( in millions of u.s . dollars , except for percentages ) direct amount ceded to companies assumed from other companies net amount percentage of amount assumed to .

| For the years ended December 31, 2009, 2008, and 2007(in millions of U.S. dollars, except for percentages) | Direct Amount | Ceded To Other Companies | Assumed From Other Companies | Net Amount | Percentage of Amount Assumed to Net |
| :--- | :--- | :--- | :--- | :--- | :--- |
| 2009 | $15,415 | $5,943 | $3,768 | $13,240 | 28% |
| 2008 | $16,087 | $6,144 | $3,260 | $13,203 | 25% |
| 2007 | $14,673 | $5,834 | $3,458 | $12,297 | 28% |

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ceded_to_other_companies = 5943
assumed_from_other_companies = 15415
net_amount = ceded_to_other_companies - assumed_from_other_companies
percent_of_amount_assumed_to_net = ceded_to_other_companies / assumed_from_other_companies
answer = percent_of_amount_assumed_to_net * 100