in 2008 what was the ratio of the direct amount to the amount ceded to other companies
s c h e d u l e i v ( continued ) 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 , 2008 , 2007 , and 2006 ( in millions of u.s . dollars ) direct amount ceded to companies assumed from other companies net amount percentage of amount assumed to .

| For the years ended December 31, 2008, 2007, and 2006(in millions of U.S. dollars) | Direct Amount | Ceded To Other Companies | Assumed From Other Companies | Net Amount | Percentage of Amount Assumed to Net |
| :--- | :--- | :--- | :--- | :--- | :--- |
| 2008 | $16,087 | $6,144 | $3,260 | $13,203 | 25% |
| 2007 | $14,673 | $5,834 | $3,458 | $12,297 | 28% |
| 2006 | $13,562 | $5,198 | $3,461 | $11,825 | 29% |

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direct_amount = 16087
ceded_to_other_companies = 6144
answer = direct_amount / ceded_to_other_companies