| Schedule of Cost and Accumulated Amortization |
The cost and accumulated amortization of intangible assets as of September 30, 2026 and December 31, 2025 are as follows:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | September 30, 2026 | | | Weighted average useful life | | Gross carrying amount | | Accumulated amortization | | Net carrying amount | | | | | | | | | | | | | | dollars in thousands | | | | Internally developed software | | 3.3 | | $ | 172,156 | | | $ | (114,283) | | | $ | 57,873 | | | Renewal rights | | 9.9 | | 21,731 | | | (12,116) | | | 9,615 | | | Trade names and trademarks | | 14.2 | | 11,867 | | | (5,268) | | | 6,599 | | | State licenses | | Indefinite | | 11,263 | | | — | | | 11,263 | | | Relationships and customer lists | | 15.5 | | 7,900 | | | (2,767) | | | 5,133 | | | Other | | 3.5 | | 578 | | | (578) | | | — | | | Total intangible assets | | | | $ | 225,495 | | | $ | (135,012) | | | $ | 90,483 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | Weighted average useful life | | Gross carrying amount | | Accumulated amortization | | Net carrying amount | | | | | | | | | | | | | | dollars in thousands | | | | Internally developed software | | 3.4 | | $ | 155,933 | | | $ | (102,326) | | | $ | 53,607 | | | Renewal rights | | 10.0 | | 21,740 | | | (10,693) | | | 11,047 | | | Trade names and trademarks | | 14.2 | | 11,867 | | | (4,402) | | | 7,465 | | | State licenses | | Indefinite | | 11,263 | | | — | | | 11,263 | | | Relationships and customer lists | | 15.5 | | 7,913 | | | (2,380) | | | 5,533 | | | Other | | 3.5 | | 580 | | | (580) | | | — | | | Total intangible assets | | | | $ | 209,296 | | | $ | (120,381) | | | $ | 88,915 | |
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| Schedule of Future Amortization Expense |
Estimated future aggregate amortization expense related to intangible assets as of September 30, 2026 is as follows:
| | | | | | | in thousands | | 2026 - remaining | $ | 6,069 | | | 2027 | 26,582 | | | 2028 | 21,402 | | | 2029 | 12,579 | | | 2030 | 3,443 | | | Thereafter | 9,145 | | | Total | $ | 79,220 | |
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