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Chargeback Liability (Tables)

12 Months Ended

Dec. 31, 2020

SEC Schedule, 12-09, Valuation and Qualifying Accounts [Abstract]

Rollforward of Estimated Chargeback Liability

The following is a rollforward of our estimated chargeback liability for each of the three years presented in our Consolidated Financial Statements:

			2020						2019						2018
Balance - January 1			$	134.5					$	128.1					$	120.8
Add: Provisions			118.1						108.6						108.3
Deduct: Chargebacks			(110.5)						(102.2)						(101.0)
Balance - December 31			$	142.1					$	134.5					$	128.1

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- Definition

Tabular disclosure of the carrying amount of the liability for chargeback reserves including a reconciliation of the beginning and ending balances. The liability represents the estimated chargeback of commissions related to financing, insurance, or vehicle protection products in the event of early termination of the contracts by customers.

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