MODERNIZATION (Tables)

6 Months Ended

Jun. 30, 2026

Modernization [Abstract]

Schedule of Modernization Costs

The following table shows the composition of our Modernization expense.


			Three Months Ended												Six Months Ended
($ in millions)			June 30, 2026						June 30, 2025						June 30, 2026						June 30, 2025
Advisory services			$	(1)					$	22					$	(1)					$	31
Consulting (implementation)			5						7						14						7
Transition costs			2						1						5						1
Technology			4						2						8						2
Other			—						2						—						3
			$	10					$	34					$	26					$	44

Schedule of Modernization Reserve

The following table presents the activity for this accrual on our Balance Sheet related to our Modernization efforts.


($ in millions)
Balance at December 31, 2025						$	26
Modernization expenses						26
Cash payments						(27)

Balance at June 30, 2026						$	25