Financial report context:
credit commitments and lines of credit the table below summarizes citigroup 2019s credit commitments as of december 31 , 2009 and december 31 , 2008 : in millions of dollars u.s . outside of december 31 , december 31 .

Financial table:
in millions of dollars: commercial and similar letters of credit; u.s .: $ 1321; outside of u.s .: $ 5890; december 31 2009: $ 7211; december 31 2008: $ 8215
in millions of dollars: one- to four-family residential mortgages; u.s .: 788; outside of u.s .: 282; december 31 2009: 1070; december 31 2008: 937
in millions of dollars: revolving open-end loans secured by one- to four-family residential properties; u.s .: 20914; outside of u.s .: 3002; december 31 2009: 23916; december 31 2008: 25212
in millions of dollars: commercial real estate construction and land development; u.s .: 1185; outside of u.s .: 519; december 31 2009: 1704; december 31 2008: 2702
in millions of dollars: credit card lines; u.s .: 649625; outside of u.s .: 135870; december 31 2009: 785495; december 31 2008: 1002437
in millions of dollars: commercial and other consumer loan commitments; u.s .: 167510; outside of u.s .: 89832; december 31 2009: 257342; december 31 2008: 309997
in millions of dollars: total; u.s .: $ 841343; outside of u.s .: $ 235395; december 31 2009: $ 1076738; december 31 2008: $ 1349500

Additional report context:
the majority of unused commitments are contingent upon customers 2019 maintaining specific credit standards . commercial commitments generally have floating interest rates and fixed expiration dates and may require payment of fees . such fees ( net of certain direct costs ) are deferred and , upon exercise of the commitment , amortized over the life of the loan or , if exercise is deemed remote , amortized over the commitment period . commercial and similar letters of credit a commercial letter of credit is an instrument by which citigroup substitutes its credit for that of a customer to enable the customer to finance the purchase of goods or to incur other commitments . citigroup issues a letter on behalf of its client to a supplier and agrees to pay the supplier upon presentation of documentary evidence that the supplier has performed in accordance with the terms of the letter of credit . when a letter of credit is drawn , the customer is then required to reimburse citigroup . one- to four-family residential mortgages a one- to four-family residential mortgage commitment is a written confirmation from citigroup to a seller of a property that the bank will advance the specified sums enabling the buyer to complete the purchase . revolving open-end loans secured by one- to four-family residential properties revolving open-end loans secured by one- to four-family residential properties are essentially home equity lines of credit . a home equity line of credit is a loan secured by a primary residence or second home to the extent of the excess of fair market value over the debt outstanding for the first mortgage . commercial real estate , construction and land development commercial real estate , construction and land development include unused portions of commitments to extend credit for the purpose of financing commercial and multifamily residential properties as well as land development projects . both secured-by-real-estate and unsecured commitments are included in this line , as well as undistributed loan proceeds , where there is an obligation to advance for construction progress payments . however , this line only includes those extensions of credit that , once funded , will be classified as total loans , net on the consolidated balance sheet . credit card lines citigroup provides credit to customers by issuing credit cards . the credit card lines are unconditionally cancellable by the issuer . commercial and other consumer loan commitments commercial and other consumer loan commitments include overdraft and liquidity facilities , as well as commercial commitments to make or purchase loans , to purchase third-party receivables , to provide note issuance or revolving underwriting facilities and to invest in the form of equity . amounts include $ 126 billion and $ 170 billion with an original maturity of less than one year at december 31 , 2009 and december 31 , 2008 , respectively . in addition , included in this line item are highly leveraged financing commitments , which are agreements that provide funding to a borrower with higher levels of debt ( measured by the ratio of debt capital to equity capital of the borrower ) than is generally considered normal for other companies . this type of financing is commonly employed in corporate acquisitions , management buy-outs and similar transactions. .

Question: what percentage of total credit commitments as of december 31 , 2009 are outside the u.s.?
Answer: 22%