Separation Costs The components of non-recurring separation costs incurred as a result of the Spin-off are presented below. | | | | | | | | | | | | | | | | | (in millions) | Three Months Ended | | Six Months Ended | June 30, | | June 30, | 2013 | | 2012 | | 2013 | | 2012 | Advisory fees and other | $ | — |
| | $ | 2 |
| | $ | — |
| | $ | 5 |
| Rebranding and marketing costs | — |
| | 2 |
| | — |
| | 4 |
| Information and technology costs | — |
| | 1 |
| | 1 |
| | 1 |
| Employee retention and hiring costs | — |
| | 1 |
| | — |
| | 1 |
| Lease termination and other real estate costs | 1 |
| | — |
| | 1 |
| | — |
| Total separation costs in operating income | 1 |
| | 6 |
| | 2 |
| | 11 |
| Income tax benefit | — |
| | (2 | ) | | — |
| | (3 | ) | Total separation costs, net of tax | $ | 1 |
| | $ | 4 |
| | $ | 2 |
| | $ | 8 |
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