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TAXES (Tables)
6 Months Ended
Jun. 30, 2020
TAXES [Abstract]  
Schedule of Income Tax Examinations We are subject to tax examinations in various taxing jurisdictions. The earliest years open for examination are as follows:

Earliest Exam Year

Taxing Authority Jurisdiction:

U.S. Federal

2016

Various U.S. States

2015

Puerto Rico (U.S. Territory)

2014

Canada

2014

Reconciliation of Federal Income Tax Expense

Three Months Ended

Six Months Ended

June 30,

June 30,

($ in thousands)

2020

2019

2020

2019

Effective Tax Rate

20.0

%

21.0

%

20.3

%

21.0

%