CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($) shares in Millions, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Interest income	$ 17	$ 15	$ 53	$ 49
Total revenues	1,232	1,252	3,762	3,776
Insurance costs	943	949	2,832	2,772
Cost of providing services	73	74	215	228
Sales and marketing	68	74	203	218
General and administrative	51	46	149	140
Systems development and programming	18	17	55	52
Depreciation and amortization of intangible assets	16	19	50	56
Interest expense, bank fees and other	13	15	42	47
Total costs and operating expenses	1,182	1,194	3,546	3,513
Income before tax	50	58	216	263
Income taxes	16	13	60	67
Net income	34	45	156	196
Other comprehensive income, net of income taxes	0	7	3	4
Comprehensive income	$ 34	$ 52	$ 159	$ 200
Net income per share:
Basic (in dollars per share)	$ 0.70	$ 0.90	$ 3.20	$ 3.91
Diluted (in dollars per share)	$ 0.70	$ 0.89	$ 3.19	$ 3.87
Weighted average shares:
Basic (in shares)	48	50	49	50
Diluted (in shares)	48	50	49	51
Professional service revenues
Service revenues	$ 169	$ 184	$ 550	$ 584
Insurance service revenues
Service revenues	$ 1,046	$ 1,053	$ 3,159	$ 3,143