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PROPERTY AND EQUIPMENT
 12 Months Ended
Dec. 31, 2022
Property, Plant and Equipment [Abstract]  
PROPERTY AND EQUIPMENT PROPERTY AND EQUIPMENT
Property and equipment as of December 31, 2022 and 2021, consisted of the following (in millions):
20222021
Internally developed software$105 $71 
Security systems18 10 
Computers13 11 
Software implementation costs4 3 
Furniture and fixtures3 3 
Office equipment3 2 
Leasehold improvements2 2 
Total148 102 
Accumulated depreciation and amortization(90)(57)
Property and equipment – net$58 $45 
Depreciation and amortization expense of $37 million, $27 million, and $22 million was recorded for the years ended December 31, 2022, 2021 and 2020, respectively.