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 | $ 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 % ) |  | 

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 2009?
Program: divide(12995, 17765)
Answer: 0.73149