Property, Software And Equipment

12 Months Ended

Dec. 31, 2014

Property, Software and Equipment [Abstract]

Property, software and equipment consist of the following as of December 31 ($ in millions):



	2014			2013
Computer software	$	198		$	185
Building	208			206
Land	87			69
Computer hardware	88			69
Furniture and office equipment	70			53
Leasehold improvements	82			57
	733			639
Less accumulated depreciation	(288		)	(244		)
Property, software and equipment, net	$	445		$	395

As of December 31, 2014 and 2013, the Company had assets acquired under capital leases included above of $7 million and $6 million, net of accumulated amortization of $3 million and $2 million, respectively. Amortization on assets under capital leases charged to expense is included in depreciation expense. Depreciation expense for the years ended December 31, 2014, 2013 and 2012 was $65 million, $52 million and $49 million, respectively.

- Definition

The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.

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