credit commitments and lines of credit the table below summarizes citigroup 2019s credit commitments as of december 31 , 2010 and december 31 , 2009: .

Table:
in millions of dollars | december 31 2010 u.s . | december 31 2010 outside of u.s . | december 31 2010 total | december 31 2009
commercial and similar letters of credit | $ 1544 | $ 7430 | $ 8974 | $ 7211
one- to four-family residential mortgages | 2582 | 398 | 2980 | 1070
revolving open-end loans secured by one- to four-family residential properties | 17986 | 2948 | 20934 | 23916
commercial real estate construction and land development | 1813 | 594 | 2407 | 1704
credit card lines | 573945 | 124728 | 698673 | 785495
commercial and other consumer loan commitments | 124142 | 86262 | 210404 | 257342
total | $ 722012 | $ 222360 | $ 944372 | $ 1076738
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 loans on the consolidated balance sheet .
credit card lines citigroup provides credit to customers by issuing credit cards .
the credit card lines are unconditionally cancelable 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 $ 79 billion and $ 126 billion with an original maturity of less than one year at december 31 , 2010 and december 31 , 2009 , 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 citigroup 2019s credit commitments as of december 31 , 2010 are outside of the u.s.?
Answer: 24%
Calculation: divide(222360, 944372)