CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Cash flows from operating activities:
Net (loss) earnings	$ (44,731)	$ 9,230
Adjustments to reconcile net (loss) earnings to net cash provided by operating activities:
Provision for credit losses	66,081	60,090
Stock-based compensation expense	20,390	55,031
Depreciation	45,728	38,614
Amortization of intangibles	12,616	38,846
Deferred income taxes	(25,435)	(18,081)
Impairment of long-lived and right-of-use assets	12,280	188
Non-cash lease expense	9,587	10,166
Revenue reserves	6,392	6,998
Other adjustments, net	4,226	1,508
Changes in assets and liabilities, net of effects of acquisitions and dispositions:
Accounts receivable	(106,234)	(70,705)
Other assets	(3,342)	(4,966)
Accounts payable and other liabilities	23,271	46,941
Income taxes payable and receivable	499	(570)
Deferred revenue	4,560	(105)
Net cash provided by operating activities	25,888	173,185
Cash flows from investing activities:
Acquisition, net of cash acquired	(25,357)
Capital expenditures	(52,056)	(37,637)
Purchases of marketable debt securities	0	(49,987)
Proceeds from maturities of marketable debt securities	50,000	0
Net proceeds from the sale of a business	750	730
Net cash used in investing activities	(26,663)	(86,894)
Cash flows from financing activities:
Proceeds from the issuance of Senior Notes	0	500,000
Principal payments on Term Loan	(220,000)	(10,313)
Debt issuance costs	0	(5,635)
Purchase of treasury stock	(35,403)	(54,400)
Withholding taxes paid on behalf of employees on net settled stock-based awards	(56,135)	(49,993)
Distribution from IAC pursuant to the tax sharing agreement	0	3,071
Purchase of noncontrolling interests	(23,508)	(4,280)
Net cash (used in) provided by financing activities	(335,046)	378,450
Total cash (used) provided	(335,821)	464,741
Effect of exchange rate changes on cash and cash equivalents and restricted cash	373	(354)
Net (decrease) increase in cash and cash equivalents and restricted cash	(335,448)	464,387
Cash and cash equivalents and restricted cash at beginning of period	813,561	391,478
Cash and cash equivalents and restricted cash at end of period	$ 478,113	$ 855,865