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 answer the following question with expressions if necessary.
what growth rate does this represent?
assistant
subtract(15780, 15415), divide(#0, 15415)