CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Current Assets:
Cash and cash equivalents	$ 675	$ 700
Fiduciary cash	1,827	1,603
Short-term investments	10	11
Commission, fees and other receivables	895	790
Fiduciary receivables	1,116	1,125
Reinsurance recoverable	1,527	125
Prepaid reinsurance premiums	520	462
Other current assets	354	314
Total current assets	6,924	5,130
Fixed assets, net	319	270
Operating lease assets	200	199
Goodwill	7,970	7,341
Amortizable intangible assets, net	1,814	1,621
Investments	19	21
Other assets	366	301
Total assets	17,612	14,883
Current Liabilities:
Fiduciary liabilities	2,943	2,727
Losses and loss adjustment reserve	1,543	131
Unearned premiums	577	462
Accounts payable	373	459
Accrued expenses and other liabilities	653	608
Current portion of long-term debt	225	569
Total current liabilities	6,314	4,956
Long-term debt less unamortized discount and debt issuance costs	3,599	3,227
Operating lease liabilities	189	179
Deferred income taxes, net	711	616
Other liabilities	362	326
Shareholders’ Equity:
Common stock, par value $0.10 per share; authorized 560 shares; issued 306 shares and outstanding 286 shares at 2024, issued 304 shares and outstanding 285 shares at 2023, respectively	31	30
Additional paid-in capital	1,118	1,027
Treasury stock, at cost 20 shares at 2024 and 2023	(748)	(748)
Accumulated other comprehensive loss	(109)	(19)
Non-controlling interests	17
Retained earnings	6,128	5,289
Total shareholders' equity	6,437	5,579
Total liabilities and shareholders’ equity	$ 17,612	$ 14,883