Credit Commitments and Lines of Credit The table below summarizes Citigroup’s credit commitments as of December31, 2009 and December31, 2008:
## Table 0 ##
The majority of unused commitments are contingent upon customers’ 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 December31, 2009 and December31, 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.
Level 3 Roll Forward The reconciliations of the beginning and ending balances during the period for Level 3 assets are as follows:
## Table 1 ##
## Table 2 ##
Investment Strategy Citigroup’s global pension and postretirement funds’ investment strategies are to invest in a prudent manner for the exclusive purpose of providing benefits to participants.
The investment strategies are targeted to produce a total return that, when combined with Citigroup’s contributions to the funds, will maintain the funds’ ability to meet all required benefit obligations.
Risk is controlled through diversification of asset types and investments in domestic and international equities, fixed-income securities and cash.
The target asset allocation in most locations outside the U. S.  is to have the majority of the assets in either equity or debt securities.
These allocations may vary by geographic region and country depending on the nature of applicable obligations and various other regional considerations.
The wide variation in the actual range of plan asset allocations for the funded non-U.
S.  plans is a result of differing local statutory requirements and economic conditions.
For example, in certain countries local law requires that all pension plan assets must be invested in fixed-income investments, government funds, or local-country securities.
Significant Concentrations of Risk in Plan Assets The assets of Citigroup’s pension plans are diversified to limit the impact of any individual investment.
The U. S.  pension plan is diversified across multiple asset classes, with publicly traded fixed income, hedge funds and private equity representing the most significant asset allocations.
Investments in these three asset classes are further diversified across funds, managers, strategies, vintages,sectors and geographies, depending on the specific characteristics of each asset class.
The pension assets for Citigroup’s largest non-U.
S.  plans are primarily invested in publicly traded fixed income and publicly traded equity securities.
Risk Management Practices Risk management oversight for Citigroup’s U. S.  pension plans and largest non-U.
S.  pension plans is performed by Citigroup’s Independent Risk Management.
The risk oversight function covers market risk, credit risk and operational risk.
Although the specific components of risk oversight are tailored to the requirements of each region and of each country, the following risk management elements are common to all regions: ·	 Periodic asset/liability management and strategic asset allocation studies ·	 Monitoring of funding levels and funding ratios ·	 Monitoring compliance with asset allocation guidelines ·	 Monitoring asset class performance against asset class benchmarks ·	 Monitoring investment manager performance against benchmarks ·	 Quarterly risk capital measurement Risk management for the remaining non-U.
S.  pension assets and liabilities is performed by Citigroup’s local country management.
Comparison 2008 to 2007

Tables referenced above, in order (Table 0 first):
<table><tr><td>In millions of dollars</td><td>U.S.</td><td>Outside of U.S.</td><td>December 31, 2009</td><td>December 31, 2008</td></tr><tr><td>Commercial and similar letters of credit</td><td>$1,321</td><td>$5,890</td><td>$7,211</td><td>$8,215</td></tr><tr><td>One- to four-family residential mortgages</td><td>788</td><td>282</td><td>1,070</td><td>937</td></tr><tr><td>Revolving open-end loans secured by one- to four-family residential properties</td><td>20,914</td><td>3,002</td><td>23,916</td><td>25,212</td></tr><tr><td>Commercial real estate, construction and land development</td><td>1,185</td><td>519</td><td>1,704</td><td>2,702</td></tr><tr><td>Credit card lines</td><td>649,625</td><td>135,870</td><td>785,495</td><td>1,002,437</td></tr><tr><td>Commercial and other consumer loan commitments</td><td>167,510</td><td>89,832</td><td>257,342</td><td>309,997</td></tr><tr><td>Total</td><td>$841,343</td><td>$235,395</td><td>$1,076,738</td><td>$1,349,500</td></tr></table>
<table><tr><td>In millions of dollars</td><td colspan="6">U.S. pension and postretirement benefit plans</td></tr><tr><td>Asset categories</td><td>Beginning Level 3 market value at Dec. 31, 2009</td><td>Realized gains (losses)</td><td>Unrealized gains (losses)</td><td>Purchases, sales, issuances</td><td>Transfers in and/or out of Level 3</td><td>Ending Level 3 market value at Dec. 31, 2010</td></tr><tr><td>Equity securities</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. equity</td><td>$1</td><td>$-1</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td></tr><tr><td>Non-U.S. equity</td><td>1</td><td>-1</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Debt securities</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. corporate bonds</td><td>1</td><td>—</td><td>—</td><td>3</td><td>1</td><td>5</td></tr><tr><td>Non-U.S corporate bonds</td><td>—</td><td>—</td><td>—</td><td>1</td><td>—</td><td>1</td></tr><tr><td>Hedge funds</td><td>1,235</td><td>-15</td><td>85</td><td>-220</td><td>-71</td><td>1,014</td></tr><tr><td>Annuity contracts</td><td>215</td><td>-44</td><td>55</td><td>-39</td><td>—</td><td>187</td></tr><tr><td>Private equity</td><td>2,539</td><td>148</td><td>292</td><td>-59</td><td>—</td><td>2,920</td></tr><tr><td>Other investments</td><td>148</td><td>-66</td><td>-66</td><td>-16</td><td>4</td><td>4</td></tr><tr><td>Total assets</td><td>$4,140</td><td>$21</td><td>$366</td><td>$-330</td><td>$-66</td><td>$4,131</td></tr></table>
<table><tr><td>In millions of dollars</td><td colspan="6">Non-U.S. pension and postretirement benefit plans</td></tr><tr><td>Asset categories</td><td>Beginning Level 3 market value at Dec. 31, 2009</td><td>Realized gains (losses)</td><td>Unrealized gains (losses)</td><td>Purchases, sales, issuances</td><td>Transfers in and/or out of Level 3</td><td>Ending Level 3 market value at Dec. 31, 2010</td></tr><tr><td>Equity securities</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Non-U.S. equity</td><td>$2</td><td>$—</td><td>$1</td><td>$—</td><td>$—</td><td>$3</td></tr><tr><td>Debt securities</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Non-U.S. corporate bonds</td><td>91</td><td>—</td><td>—</td><td>16</td><td>—</td><td>107</td></tr><tr><td>Hedge funds</td><td>14</td><td>—</td><td>—</td><td>—</td><td>—</td><td>14</td></tr><tr><td>Annuity contracts</td><td>187</td><td>-5</td><td>-1</td><td>—</td><td>—</td><td>181</td></tr><tr><td>Other investments</td><td>18</td><td>—</td><td>4</td><td>—</td><td>-14</td><td>8</td></tr><tr><td>Total assets</td><td>$312</td><td>$-5</td><td>$4</td><td>$16</td><td>$-14</td><td>$313</td></tr></table>

Question: what was the percentage decrease the credit card lines from 2008 to 2009
Answer: -0.21641
Reasoning program: subtract(785495,1002437), divide(#0,1002437)