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% |
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Please answer the following questions with expressions if necessary.
what is the amount ceded to other companies in 2009?
assistant
5943
human
what about the total direct amount in 2009?
assistant
15415
human
what portion of the direct amount is ceded to other companies?
assistant
divide(5943, 15415)
human
what is the ratio of direct amount to ceded amount in 2009?
assistant
divide(15415, 5943)