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 .

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in millions of dollars	2010	2009	2008	% (  % ) change 2010 vs . 2009	% (  % ) change 2009 vs . 2008
net interest revenue	$ 13831	$ 12995	$ 17136	6% ( 6 % )	( 24 ) % (  % )
non-interest revenue	1995	4770	6362	-58 ( 58 )	-25 ( 25 )
total revenues net of interest expense	$ 15826	$ 17765	$ 23498	( 11 ) % (  % )	( 24 ) % (  % )
total operating expenses	$ 8064	$ 9799	$ 14238	( 18 ) % (  % )	( 31 ) % (  % )
net credit losses	$ 17040	$ 19185	$ 13111	( 11 ) % (  % )	46% ( 46 % )
credit reserve build ( release )	-1771 ( 1771 )	5799	8573	nm	-32 ( 32 )
provision for benefits and claims	775	1054	1192	-26 ( 26 )	-12 ( 12 )
provision for unfunded lending commitments	2014	2014	2014	2014	2014
provisions for credit losses and for benefits and claims	$ 16044	$ 26038	$ 22876	( 38 ) % (  % )	14% ( 14 % )
( loss ) from continuing operations before taxes	$ -8282 ( 8282 )	$ -18072 ( 18072 )	$ -13616 ( 13616 )	54% ( 54 % )	( 33 ) % (  % )
benefits for income taxes	-3289 ( 3289 )	-7656 ( 7656 )	-5259 ( 5259 )	57	-46 ( 46 )
( loss ) from continuing operations	$ -4993 ( 4993 )	$ -10416 ( 10416 )	$ -8357 ( 8357 )	52% ( 52 % )	( 25 ) % (  % )
net income attributable to noncontrolling interests	8	33	12	-76 ( 76 )	nm
net ( loss )	$ -5001 ( 5001 )	$ -10449 ( 10449 )	$ -8369 ( 8369 )	52% ( 52 % )	( 25 ) % (  % )
average assets ( in billions of dollars )	$ 324	$ 351	$ 420	( 8 ) % (  % )	-16 ( 16 )
net credit losses as a percentage of average loans	6.20% ( 6.20 % )	6.38% ( 6.38 % )	3.80% ( 3.80 % )		
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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: what percentage of total revenues net of interest expense where net interest revenues in 2010?
Program: divide(13831, 15826)
Answer: 0.87394