citigroup 2019s repurchases are primarily from government sponsored entities .
the specific representations and warranties made by the company depend on the nature of the transaction and the requirements of the buyer .
market conditions and credit-ratings agency requirements may also affect representations and warranties and the other provisions the company may agree to in loan sales .
in the event of a breach of the representations and warranties , the company may be required to either repurchase the mortgage loans ( generally at unpaid principal balance plus accrued interest ) with the identified defects or indemnify ( 201cmake-whole 201d ) the investor or insurer .
the company has recorded a repurchase reserve that is included in other liabilities in the consolidated balance sheet .
in the case of a repurchase , the company will bear any subsequent credit loss on the mortgage loans .
the company 2019s representations and warranties are generally not subject to stated limits in amount or time of coverage .
however , contractual liability arises only when the representations and warranties are breached and generally only when a loss results from the breach .
in the case of a repurchase , the loan is typically considered a credit- impaired loan and accounted for under sop 03-3 , 201caccounting for certain loans and debt securities , acquired in a transfer 201d ( now incorporated into asc 310-30 , receivables 2014loans and debt securities acquired with deteriorated credit quality ) .
these repurchases have not had a material impact on nonperforming loan statistics , because credit-impaired purchased sop 03-3 loans are not included in nonaccrual loans .
the company estimates its exposure to losses from its obligation to repurchase previously sold loans based on the probability of repurchase or make-whole and an estimated loss given repurchase or make-whole .
this estimate is calculated separately by sales vintage ( i.e. , the year the loans were sold ) based on a combination of historical trends and forecasted repurchases and losses considering the : ( 1 ) trends in requests by investors for loan documentation packages to be reviewed ; ( 2 ) trends in recent repurchases and make-wholes ; ( 3 ) historical percentage of claims made as a percentage of loan documentation package requests ; ( 4 ) success rate in appealing claims ; ( 5 ) inventory of unresolved claims ; and ( 6 ) estimated loss given repurchase or make-whole , including the loss of principal , accrued interest , and foreclosure costs .
the company does not change its estimation methodology by counterparty , but the historical experience and trends are considered when evaluating the overall reserve .
the request for loan documentation packages is an early indicator of a potential claim .
during 2009 , loan documentation package requests and the level of outstanding claims increased .
in addition , our loss severity estimates increased during 2009 due to the impact of macroeconomic factors and recent experience .
these factors contributed to a $ 493 million change in estimate for this reserve in 2009 .
as indicated above , the repurchase reserve is calculated by sales vintage .
the majority of the repurchases in 2009 were from the 2006 and 2007 sales vintages , which also represent the vintages with the largest loss- given-repurchase .
an insignificant percentage of 2009 repurchases were from vintages prior to 2006 , and this is expected to decrease , because those vintages are later in the credit cycle .
although early in the credit cycle , the company has experienced improved repurchase and loss-given-repurchase statistics from the 2008 and 2009 vintages .
in the case of a repurchase of a credit-impaired sop 03-3 loan ( now incorporated into asc 310-30 ) , the difference between the loan 2019s fair value and unpaid principal balance at the time of the repurchase is recorded as a utilization of the repurchase reserve .
payments to make the investor whole are also treated as utilizations and charged directly against the reserve .
the provision for estimated probable losses arising from loan sales is recorded as an adjustment to the gain on sale , which is included in other revenue in the consolidated statement of income .
a liability for representations and warranties is estimated when the company sells loans and is updated quarterly .
any subsequent adjustment to the provision is recorded in other revenue in the consolidated statement of income .
the activity in the repurchase reserve for the years ended december 31 , 2009 and 2008 is as follows: .

In millions of dollars
2009
2008
Balance, beginning of the year
$75
$2
Additions for new sales
33
23
Change in estimate
493
59
Utilizations
(119)
(9)
Balance, end of the year
$482
$75

goodwill goodwill represents an acquired company 2019s acquisition cost over the fair value of net tangible and intangible assets acquired .
goodwill is subject to annual impairment tests , whereby goodwill is allocated to the company 2019s reporting units and an impairment is deemed to exist if the carrying value of a reporting unit exceeds its estimated fair value .
furthermore , on any business dispositions , goodwill is allocated to the business disposed of based on the ratio of the fair value of the business disposed of to the fair value of the reporting unit .
intangible assets intangible assets 2014including core deposit intangibles , present value of future profits , purchased credit card relationships , other customer relationships , and other intangible assets , but excluding msrs 2014are amortized over their estimated useful lives .
intangible assets deemed to have indefinite useful lives , primarily certain asset management contracts and trade names , are not amortized and are subject to annual impairment tests .
an impairment exists if the carrying value of the indefinite-lived intangible asset exceeds its fair value .
for other intangible assets subject to amortization , an impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the intangible asset .
other assets and other liabilities other assets include , among other items , loans held-for-sale , deferred tax assets , equity-method investments , interest and fees receivable , premises and equipment , end-user derivatives in a net receivable position , repossessed assets , and other receivables. .

Question: Analyse this data from a financial earnings document. what was the ratio of the change in estimate for 2009 to 2008
Choices:
6.57333
8.35593
0.50847
164.33333
1
Correct choice index: 1