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18. allowance for credit losses.
| In millions of dollars | 2009 | 2008(1) | 2007(1) |
| --------- | --------- | --------- | --------- |
| Allowance for loan losses at beginning of year | $29,616 | $16,117 | $8,940 |
| Gross credit losses | (32,784) | (20,760) | (11,864) |
| Gross recoveries | 2,043 | 1,749 | 1,938 |
| Net credit (losses) recoveries (NCLs) | $(30,741) | $(19,011) | $(9,926) |
| NCLs | $30,741 | $19,011 | $9,926 |
| Net reserve builds (releases) | 5,741 | 11,297 | 6,550 |
| Net specific reserve builds (releases) | 2,278 | 3,366 | 356 |
| Total provision for credit losses | $38,760 | $33,674 | $16,832 |
| Other, net(2) | (1,602) | (1,164) | 271 |
| Allowance for loan losses at end of year | $36,033 | $29,616 | $16,117 |
| Allowance for credit losses on unfunded lending commitments at beginning of year(3) | $887 | $1,250 | $1,100 |
| Provision for unfunded lending commitments | 244 | (363) | 150 |
| Allowance for credit losses on unfunded lending commitments at end of year(3) | $1,157 | $887 | $1,250 |
| Total allowance for loans, leases, and unfunded lending commitments | $37,190 | $30,503 | $17,367 |
(1) reclassified to conform to the current period 2019s presentation. (2) 2009 primarily includes reductions to the loan loss reserve of approximately $543 million related to securitizations, approximately $402 million related to the sale or transfers to held-for-sale of u.s. real estate lending loans, and $562 million related to the transfer of the u.k. cards portfolio to held-for-sale. 2008 primarily includes reductions to the loan loss reserve of approximately $800 million related to fx translation, $102 million related to securitizations, $244 million for the sale of the german retail banking operation, $156 million for the sale of citicapital, partially offset by additions of $106 million related to the cuscatl e1n and bank of overseas chinese acquisitions. 2007 primarily includes reductions to the loan loss reserve of $475 million related to securitizations and transfers to loans held-for-sale, and reductions of $83 million related to the transfer of the u.k. citifinancial portfolio to held-for-sale, offset by additions of $610 million related to the acquisitions of egg, nikko cordial, grupo cuscatl e1n and grupo financiero uno. (3) represents additional credit loss reserves for unfunded corporate lending commitments and letters of credit recorded in other liabilities on the consolidated balance sheet. .
Please answer the following questions with expressions if necessary.
what was the change in the allowance for loan losses from 2008 to 2009?
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subtract(29616, 16117)
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and what was that allowance in 2008?
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16117
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what percentage, then, does that change represent in relation to this 2008 allowance?
assistant
subtract(29616, 16117), divide(#0, 16117)
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and from 2007 to 2008, what was the change in that allowance?
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subtract(16117, 8940)
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n/a
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8940