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% |
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Please answer the following questions with expressions if necessary.
what is the direct amount for 2010?
assistant
15780
human
what about in 2009?
assistant
15415
human
what is the net change in direct amount from 2009 to 2010?
assistant
subtract(15780, 15415)
human
what is the direct amount for 2009?
assistant
15415
human
what growth rate does this represent?
assistant
subtract(15780, 15415), divide(#0, 15415)