CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenues	$ 3,856	$ 3,503	$ 3,275
Insurance costs	2,927	2,610	2,466
Cost of providing services	245	229	213
Sales and marketing	190	182	187
General and administrative	137	142	114
Systems development and programming	43	49	45
Depreciation and amortization of intangible assets	46	40	33
Total costs and operating expenses	3,588	3,252	3,058
Operating income	268	251	217
Other income (expense):
Interest expense, bank fees and other	(21)	(22)	(20)
Interest income	23	12	3
Income before provision for income taxes	270	241	200
Income taxes	58	49	22
Net income	212	192	178
Comprehensive income	$ 212	$ 192	$ 178
Net income per share:
Basic (in dollars per share)	$ 3.04	$ 2.72	$ 2.57
Diluted (in dollars per share)	$ 2.99	$ 2.65	$ 2.49
Weighted average shares:
Basic (in shares)	70	70	69
Diluted (in shares)	71	72	71
Professional service revenues
Revenues	$ 530	$ 487	$ 458
Insurance service revenues
Revenues	$ 3,326	$ 3,016	$ 2,817