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                                                                                                       | $ 15415       | $ 5943                   | $ 3768                       | $ 13240    | 28% ( 28 % )                       
2008                                                                                                       | $ 16087       | $ 6144                   | $ 3260                       | $ 13203    | 25% ( 25 % )                       
2007                                                                                                       | $ 14673       | $ 5834                   | $ 3458                       | $ 12297    | 28% ( 28 % )                        .
Question: what is the amount ceded to other companies in 2009?
Steps: Ask for number 5943
Answer: 5943.0
Question: what about the total direct amount in 2009?
Steps: Ask for number 15415
Answer: 15415.0
Question: what portion of the direct amount is ceded to other companies?
Steps: divide(5943, 15415)
Answer: 0.38553
Question: what is the ratio of direct amount to ceded amount in 2009?

Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.
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                                                                                                       | $ 15415       | $ 5943                   | $ 3768                       | $ 13240    | 28% ( 28 % )                       
2008                                                                                                       | $ 16087       | $ 6144                   | $ 3260                       | $ 13203    | 25% ( 25 % )                       
2007                                                                                                       | $ 14673       | $ 5834                   | $ 3458                       | $ 12297    | 28% ( 28 % )                        .
Question: what is the amount ceded to other companies in 2009?
Steps: Ask for number 5943
Answer: 5943.0
Question: what about the total direct amount in 2009?
Steps: Ask for number 15415
Answer: 15415.0
Question: what portion of the direct amount is ceded to other companies?
Steps: divide(5943, 15415)
Answer: 0.38553
Question: what is the ratio of direct amount to ceded amount in 2009?
