human
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, 2010, 2009, and 2008 (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, 2010, 2009, and 2008(in millions of U.S. dollars, except for percentages) | DirectAmount | Ceded To Other Companies | Assumed From Other Companies | Net Amount | Percentage of Amount Assumed to Net |
| --------- | --------- | --------- | --------- | --------- | --------- |
| 2010 | $15,780 | $5,792 | $3,516 | $13,504 | 26% |
| 2009 | $15,415 | $5,943 | $3,768 | $13,240 | 28% |
| 2008 | $16,087 | $6,144 | $3,260 | $13,203 | 25% |
.
Please compute the result.
what is the direct amount for 2010?
assistant
15780.0
human
what about in 2009?
assistant
15415.0
human
what is the net change in direct amount from 2009 to 2010?
assistant
365.0
human
what is the direct amount for 2009?
assistant
15415.0
human
what growth rate does this represent?
assistant
0.02368