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, 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% |
.
Please answer the following question with expressions if necessary.
what is the ratio of direct amount to ceded amount in 2009?
assistant
divide(15415, 5943)