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INCOME TAXES - Narrative (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Dec. 31, 2015
Income Tax Disclosure [Abstract]      
Income tax expense $ 109 $ 106  
Effective income tax rate 32.90% 33.70%  
Federal income tax rate 35.00% 35.00%  
Deferred taxes, net $ 852   $ 730