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Notes Receivable and Allowances for Credit Losses (Tables)

6 Months Ended

Jan. 31, 2026

Receivables [Abstract]

Financing Receivable, Allowance for Credit Loss

The changes in the allowance for credit losses for our business loan portfolio for the three and six months ended January 31, 2026 and 2025 were as shown in the following table.

			Three Months Ended												Six Months Ended
(In millions)			January 31, 2026						January 31, 2025						January 31, 2026						January 31, 2025
Beginning balance			$	112					$	69					$	100					$	62
Provision for expected credit losses			49						32						87						53
Charge-offs			(44)						(20)						(75)						(36)
Recoveries			3						3						8						5
Ending balance			$	120					$	84					$	120					$	84

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- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

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- References

No definition available.

+ Details

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