Commitments And Contingencies (Tables)

12 Months Ended

Dec. 31, 2019

Commitments and Contingencies Disclosure [Abstract]

Summary of Changes in Loan Origination Liability

hanges in these liabilities were as follows ($000's omitted):

 

	2019			2018			2017
Liabilities, beginning of period	$	50,282		$	34,641		$	35,114
Reserves provided (released), net	(225		)	16,130			(50		)
Payments	(24,898		)	(489		)	(423		)
Liabilities, end of period	$	25,159		$	50,282		$	34,641

Summary of Changes in Warranty Liability

Changes in warranty liabilities were as follows ($000’s omitted):

 

	2019			2018			2017
Warranty liabilities, beginning of period	$	79,154		$	72,709		$	66,134
Reserves provided	60,818			65,567			50,014
Payments	(75,635		)	(64,525		)	(58,780		)
Other adjustments (a)	27,052			5,403			15,341
Warranty liabilities, end of period	$	91,389		$	79,154		$	72,709

Summary of Changes in Self-insurance Liability

Changes in these liabilities were as follows ($000's omitted):

	2019			2018			2017
Balance, beginning of period	$	737,013		$	758,812		$	831,058
Reserves provided	83,209			93,156			98,176
Adjustments to previously recorded reserves (a)	(49,437		)	(35,873		)	(97,789		)
Payments, net (a)	(60,987		)	(79,082		)	(72,633		)
Balance, end of period	$	709,798		$	737,013		$	758,812

Schedule of Future Minimum Lease Payments Required Under Leases

The future minimum lease payments required under our leases as of December 31, 2019 were as follows ($000's omitted):

Years Ending December 31,
2020	$	18,995
2021	20,523
2022	18,605
2023	17,306
2024	11,677
Thereafter	22,476
Total lease payments (a)	109,582
Less: Interest (b)	18,174
Present value of lease liabilities (c)	$	91,408

(a) Lease payments include options to extend lease terms that are reasonably certain of being exercised and exclude $6.0 million of legally binding minimum lease payments for leases signed but not yet commenced at December 31, 2019.

(b) Our leases do not provide a readily determinable implicit rate. Therefore, we must estimate our discount rate for such leases to determine the present value of lease payments at the lease commencement date.

(c)

The weighted average remaining lease term and weighted average discount rate used in calculating our lease liabilities were 6.1 years and 5.8%, respectively, at December 31, 2019.