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 .

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