local consumer lending local consumer lending ( lcl ) , which constituted approximately 70% ( 70 % ) of citi holdings by assets as of december 31 , 2010 , includes a portion of citigroup 2019s north american mortgage business , retail partner cards , western european cards and retail banking , citifinancial north america and other local consumer finance businesses globally .
the student loan corporation is reported as discontinued operations within the corporate/other segment for the second half of 2010 only .
at december 31 , 2010 , lcl had $ 252 billion of assets ( $ 226 billion in north america ) .
approximately $ 129 billion of assets in lcl as of december 31 , 2010 consisted of u.s .
mortgages in the company 2019s citimortgage and citifinancial operations .
the north american assets consist of residential mortgage loans ( first and second mortgages ) , retail partner card loans , personal loans , commercial real estate ( cre ) , and other consumer loans and assets .
in millions of dollars 2010 2009 2008 % (  % ) change 2010 vs .
2009 % (  % ) change 2009 vs .
2008 .

In millions of dollars
2010
2009
2008
% Change 2010 vs. 2009
% Change 2009 vs. 2008
Net interest revenue
$13,831
$12,995
$17,136
6%
(24)%
Non-interest revenue
1,995
4,770
6,362
(58)
(25)
Total revenues, net of interest expense
$15,826
$17,765
$23,498
(11)%
(24)%
Total operating expenses
$8,064
$9,799
$14,238
(18)%
(31)%
Net credit losses
$17,040
$19,185
$13,111
(11)%
46%
Credit reserve build (release)
(1,771)
5,799
8,573
NM
(32)
Provision for benefits and claims
775
1,054
1,192
(26)
(12)
Provision for unfunded lending commitments
—
—
—
—
—
Provisions for credit losses and for benefits and claims
$16,044
$26,038
$22,876
(38)%
14%
(Loss) from continuing operations before taxes
$(8,282)
$(18,072)
$(13,616)
54%
(33)%
Benefits for income taxes
(3,289)
(7,656)
(5,259)
57
(46)
(Loss) from continuing operations
$(4,993)
$(10,416)
$(8,357)
52%
(25)%
Net income attributable to noncontrolling interests
8
33
12
(76)
NM
Net (loss)
$(5,001)
$(10,449)
$(8,369)
52%
(25)%
Average assets(in billions of dollars)
$324
$351
$420
(8)%
(16)
Net credit losses as a percentage of average loans
6.20%
6.38%
3.80%

nm not meaningful 2010 vs .
2009 revenues , net of interest expense decreased 11% ( 11 % ) from the prior year .
net interest revenue increased 6% ( 6 % ) due to the adoption of sfas 166/167 , partially offset by the impact of lower balances due to portfolio run-off and asset sales .
non-interest revenue declined 58% ( 58 % ) , primarily due to the absence of the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 and a higher mortgage repurchase reserve charge .
operating expenses decreased 18% ( 18 % ) , primarily due to the impact of divestitures , lower volumes , re-engineering actions and the absence of costs associated with the u.s .
government loss-sharing agreement , which was exited in the fourth quarter of 2009 .
provisions for credit losses and for benefits and claims decreased 38% ( 38 % ) , reflecting a net $ 1.8 billion credit reserve release in 2010 compared to a $ 5.8 billion build in 2009 .
lower net credit losses across most businesses were partially offset by the impact of the adoption of sfas 166/167 .
on a comparable basis , net credit losses were lower year-over-year , driven by improvement in u.s .
mortgages , international portfolios and retail partner cards .
assets declined 21% ( 21 % ) from the prior year , primarily driven by portfolio run-off , higher loan loss reserve balances , and the impact of asset sales and divestitures , partially offset by an increase of $ 41 billion resulting from the adoption of sfas 166/167 .
key divestitures in 2010 included the student loan corporation , primerica , auto loans , the canadian mastercard business and u.s .
retail sales finance portfolios .
2009 vs .
2008 revenues , net of interest expense decreased 24% ( 24 % ) from the prior year .
net interest revenue was 24% ( 24 % ) lower than the prior year , primarily due to lower balances , de-risking of the portfolio , and spread compression .
non-interest revenue decreased $ 1.6 billion , mostly driven by the impact of higher credit losses flowing through the securitization trusts , partially offset by the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 .
operating expenses declined 31% ( 31 % ) from the prior year , due to lower volumes and reductions from expense re-engineering actions , and the impact of goodwill write-offs of $ 3.0 billion in the fourth quarter of 2008 , partially offset by higher costs associated with delinquent loans .
provisions for credit losses and for benefits and claims increased 14% ( 14 % ) from the prior year , reflecting an increase in net credit losses of $ 6.1 billion , partially offset by lower reserve builds of $ 2.8 billion .
higher net credit losses were primarily driven by higher losses of $ 3.6 billion in residential real estate lending , $ 1.0 billion in retail partner cards , and $ 0.7 billion in international .
assets decreased $ 57 billion from the prior year , primarily driven by lower originations , wind-down of specific businesses , asset sales , divestitures , write- offs and higher loan loss reserve balances .
key divestitures in 2009 included the fi credit card business , italy consumer finance , diners europe , portugal cards , norway consumer and diners club north america. .

Question: Analyse this data from a financial earnings document. what percentage of total revenues net of interest expense where net interest revenues in 2009?
Choices:
2.72432
-0.73149
0.73149
0.75835
0.96459
Correct choice index: 2