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PROPERTY AND EQUIPMENT
 12 Months Ended
Dec. 31, 2023
Property, Plant and Equipment [Abstract]  
PROPERTY AND EQUIPMENT PROPERTY AND EQUIPMENT
Property and equipment as of December 31, 2023 and 2022, consisted of the following (in millions):
20232022
Internally developed software$124 $105 
Security systems19 18 
Computers12 13 
Software implementation costs4 4 
Office equipment3 3 
Furniture and fixtures2 3 
Leasehold improvements2 2 
Total166 148 
Accumulated depreciation and amortization(100)(90)
Property and equipment – net$66 $58 
Depreciation and amortization expense of $38 million, $37 million, and $27 million was recorded for the years ended December 31, 2023, 2022 and 2021, respectively.