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PROPERTY, EQUIPMENT AND SOFTWARE, NET (Tables)
12 Months Ended
Dec. 31, 2020
Property, Plant and Equipment [Abstract]  
Property and Equipment, Net
Property, equipment and software, net, consists of the following:
(in millions)December 31, 2020December 31, 2019
Software$204 $174 
Office equipment, including data processing equipment28 27 
Leasehold improvements24 24 
Furniture, fixtures, and equipment16 17 
Projects in progress1 
Total273 245 
Less: Accumulated depreciation(194)(160)
Property and equipment, net$79 $85 
The following table summarizes our depreciation expense and capitalized internally developed software costs and related depreciation expense.
 Year Ended December 31,
(in millions)202020192018
Depreciation expense$42 $41 $35 
Capitalized internally developed software costs36 31 33 
Depreciation expense for capitalized internally developed software costs31 29 24