Summary of Cost of Net Revenues The following table summarizes changes in cost of net revenues:
## Table 0 ##
Cost of Net Revenues Cost of net revenues consists primarily of costs associated with payment processing, customer support and site operations and Skype telecommunications (through November 2009).
Significant components of these costs include bank transaction fees, credit card interchange and assessment fees, interest expense on indebtedness incurred to finance the purchase of consumer loans receivable by Bill Me Later, employee compensation, contractor costs, facilities costs, depreciation of equipment and amortization expense.
Marketplaces Marketplaces cost of net revenues increased $103.2 million, or 11%, in 2010 compared to 2009.
The increase during 2010 was due primarily to the inclusion of a full year of costs attributable to Gmarket and increased site operation costs.
Marketplaces cost of net revenues as a percentage of Marketplaces net revenues increased slightly in 2010 compared to 2009 due primarily to the addition of Gmarket, the settlement of a lawsuit and the establishment of a reserve related to certain indirect tax positions (recorded as a reduction in revenue).
Marketplaces cost of net revenues increased $61.1 million, or 7%, in 2009 compared to 2008.
The increase during 2009 was due primarily to the inclusion of costs attributable to Gmarket and Den Bl?
Avis and BilBasen, partially offset by a decrease in customer support and site operations costs associated with our restructuring activities.
Marketplaces cost of net revenues increased as a percentage of Marketplaces net revenues during 2009 compared to 2008 due primarily to the impact of foreign currency movements on revenues, pricing initiatives (which are recorded as a reduction in revenue) and faster growth in our lower margin Marketplaces businesses.
Payments Payments cost of net revenues increased $272.5 million, or 22%, in 2010 compared to 2009.
The increase in cost of net revenues was primarily due to the impact from our growth in net TPV.
Payments cost of net revenues as a percentage of Payments net revenues decreased slightly in 2010 compared to 2009 due primarily to improved leverage of our customer support infrastructure and existing site operations.
expect that these credit rating agencies will continue to monitor developments in our planned separation of PayPal, including the capital structure for each company after separation, which could result in additional downgrades.
Our borrowing costs depend, in part, on our credit ratings and because downgrades would likely increase our borrowing costs we disclose these ratings to enhance the understanding of the effects of our ratings on our costs of funds.
In addition, to assist PayPal in our planned separation we are currently working with credit rating agencies to obtain separate credit ratings for PayPal and we believe that immediately following separation both eBay and PayPal will be rated investment grade.
Commitments and Contingencies As of December 31, 2014 , approximately $20.2 billion of unused credit was available to PayPal Credit accountholders.
While this amount represents the total unused credit available, we have not experienced, and do not anticipate, that all of our PayPal Credit accountholders will access their entire available credit at any given point in time.
In addition, the individual lines of credit that make up this unused credit are subject to periodic review and termination by the chartered financial institutions that are the issuer of PayPal Credit products based on, among other things, account usage and customer creditworthiness.
When a consumer makes a purchase using a PayPal Credit products, the chartered financial institution extends credit to the consumer, funds the extension of credit at the point of sale and advances funds to the merchant.
We subsequently purchase the consumer receivables related to the consumer loans and as result of that purchase, bear the risk of loss in the event of loan defaults.
However, we subsequently sell a participation interest in the entire pool of consumer loans to the chartered financial institution that extended the consumer loans.
Although the chartered financial institution continues to own the customer accounts, we own and bear the risk of loss on the related consumer receivables, less the participation interest held by the chartered financial institution, and PayPal is responsible for all servicing functions related to the customer account balances.
As of December 31, 2014 , the total outstanding principal balance of this pool of consumer loans was $3.7 billion , of which the chartered financial institution owns a participation interest of $163 million , or 4.4% of the total outstanding balance of consumer receivables at that date.
We have certain fixed contractual obligations and commitments that include future estimated payments for general operating purposes.
Changes in our business needs, contractual cancellation provisions, fluctuating interest rates, and other factors may result in actual payments differing from the estimates.
We cannot provide certainty regarding the timing and amounts of these payments.
The following table summarizes our fixed contractual obligations and commitments:
## Table 1 ##
The significant assumptions used in our determination of amounts presented in the above table are as follows: ?
Debt amounts include the principal and interest amounts of the respective debt instruments.
For additional details related to our debt, please see “Note 10 – Debt” to the consolidated financial statements included in this report.
This table does not reflect any amounts payable under our $3 billion revolving credit facility or $2 billion commercial paper program, for which no borrowings were outstanding as of December 31, 2014 .  ?
Lease amounts include minimum rental payments under our non-cancelable operating leases for office facilities, fulfillment centers, as well as computer and office equipment that we utilize under lease arrangements.
The amounts presented are consistent with contractual terms and are not expected to differ significantly from actual results under our existing leases, unless a substantial change in our headcount needs requires us to expand our occupied space or exit an office facility early.
MARATHON OIL CORPORATION Notes to Consolidated Financial Statements equivalent to the Exchangeable Shares at the acquisition date as discussed below.
Additional shares of voting preferred stock will be issued as necessary to adjust the number of votes to account for changes in the exchange ratio.
Preferred shares – In connection with the acquisition of Western discussed in Note 6, the Board of Directors authorized a class of voting preferred stock consisting of 6 million shares.
Upon completion of the acquisition, we issued 5 million shares of this voting preferred stock to a trustee, who holds the shares for the benefit of the holders of the Exchangeable Shares discussed above.
Each share of voting preferred stock is entitled to one vote on all matters submitted to the holders of Marathon common stock.
Each holder of Exchangeable Shares may direct the trustee to vote the number of shares of voting preferred stock equal to the number of shares of Marathon common stock issuable upon the exchange of the Exchangeable Shares held by that holder.
In no event will the aggregate number of votes entitled to be cast by the trustee with respect to the outstanding shares of voting preferred stock exceed the number of votes entitled to be cast with respect to the outstanding Exchangeable Shares.
Except as otherwise provided in our restated certificate of incorporation or by applicable law, the common stock and the voting preferred stock will vote together as a single class in the election of directors of Marathon and on all other matters submitted to a vote of stockholders of Marathon generally.
The voting preferred stock will have no other voting rights except as required by law.
Other than dividends payable solely in shares of voting preferred stock, no dividend or other distribution, will be paid or payable to the holder of the voting preferred stock.
In the event of any liquidation, dissolution or winding up of Marathon, the holder of shares of the voting preferred stock will not be entitled to receive any assets of Marathon available for distribution to its stockholders.
The voting preferred stock is not convertible into any other class or series of the capital stock of Marathon or into cash, property or other rights, and may not be redeemed.25.
Leases We lease a wide variety of facilities and equipment under operating leases, including land and building space, office equipment, production facilities and transportation equipment.
Most long-term leases include renewal options and, in certain leases, purchase options.
Future minimum commitments for capital lease obligations (including sale-leasebacks accounted for as financings) and for operating lease obligations having initial or remaining noncancelable lease terms in excess of one year are as follows:
## Table 2 ##
(a) Capital lease obligations include $164 million related to assets under construction as of December 31, 2009.
These leases are currently reported in long-term debt based on percentage of construction completed at $36 million.
In connection with past sales of various plants and operations, we assigned and the purchasers assumed certain leases of major equipment used in the divested plants and operations of United States Steel.
In the event of a default by any of the purchasers, United States Steel has assumed these obligations; however, we remain primarily obligated for payments under these leases.
Minimum lease payments under these operating lease obligations of $16 million have been included above and an equal amount has been reported as sublease rentals.

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Year Ended December 31,	Change from 2008 to 2009	Change from 2009 to 2010
2008	2009	2010	in Dollars	in %	in Dollars	in %
(In thousands, except percentages)
Cost of net revenues:
Marketplaces	$907,121	$968,266	$1,071,499	$61,145	7%	$103,233	11%
As a percentage of total Marketplaces net revenues	16.2%	18.2%	18.7%
Payments	1,036,746	1,220,619	1,493,168	183,873	18%	272,549	22%
As a percentage of total Payments net revenues	43.1%	43.7%	43.5%
Communications	284,202	290,877	—	6,675	2%	-290,877	—
As a percentage of total Communications net revenues	51.6%	46.9%	—
Total cost of net revenues	$2,228,069	$2,479,762	$2,564,667	$251,693	11%	$84,905	3%
As a percentage of net revenues	26.1%	28.4%	28.0%

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Payments Due During the Year Ending December 31,	Debt	Leases	Purchase Obligations	Total
(In millions)
2015	1,026	113	275	1,414
2016	164	96	58	318
2017	1,613	83	55	1,751
2018	148	63	43	254
2019	1,697	42	7	1,746
Thereafter	4,708	52	3	4,763
9,356	449	441	10,246

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(In millions)	Capital Lease Obligations (a)	Operating Lease Obligations
2010	$46	$165
2011	45	140
2012	58	121
2013	44	102
2014	44	84
Later years	466	313
Sublease rentals	-	-16
Total minimum lease payments	$703	$909
Less imputed interest costs	-257
Present value of net minimum lease payments	$446

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Question: What is the ratio of Marketplaces to the total in 2009?
Answer: 0.39047000000000004