PROPERTY, EQUIPMENT AND SOFTWARE, NET (Tables)

12 Months Ended

Dec. 31, 2019

Property, Plant and Equipment [Abstract]

Property and Equipment, Net

Property, equipment and software, net, consists of the following:

(in millions)	December 31, 2019			December 31, 2018
Software	$	174		$	144
Office equipment, including data processing equipment	27			27
Leasehold improvements	24			21
Furniture, fixtures, and equipment	17			15
Projects in progress	3			2
Total	245			209
Less: Accumulated depreciation	(160		)	(130		)
Property and equipment, net	$	85		$	79

The following table summarizes our depreciation expense and capitalized internally developed software costs and related depreciation expense.

	Year Ended December 31,
(in millions)	2019		2018		2017
Depreciation expense	$	41	$	35	$	28
Capitalized internally developed software costs	31		33		29
Depreciation expense for capitalized internally developed software costs	29		24		17