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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
shares in Millions, $ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest income $ 64 $ 72 $ 22
Total revenues 5,053 4,994 4,907
Insurance costs 3,797 3,513 3,463
Cost of providing services 304 307 303
Sales and marketing 289 285 242
General and administrative 232 211 241
Systems development and programming 68 65 73
Depreciation and amortization of intangible assets 75 72 64
Interest expense, bank fees and other 62 40 39
Income before tax 226 501 482
Income taxes 53 126 127
Net income 173 375 355
Other comprehensive (loss) income, net of income taxes (1) 3 (4)
Comprehensive income $ 172 $ 378 $ 351
Net income per share:      
Basic (in dollars per share) $ 3.47 $ 6.61 $ 5.66
Diluted (in dollars per share) $ 3.43 $ 6.56 $ 5.61
Weighted average shares:      
Basic (in shares) 50 57 63
Diluted (in shares) 50 57 64
Professional service revenues      
Service revenues $ 765 $ 756 $ 754
Insurance service revenues      
Service revenues $ 4,224 $ 4,166 $ 4,131