The increase in our net income in the third quarter of 2018, compared with the third quarter of 2017, was primarily driven by:
•a shift to a benefit for credit losses from a provision for credit losses;
•a shift to fair value gains from fair value losses; and
•a lower provision for federal income taxes;
•partially offset by a decrease in fee and other income.
See “Consolidated Results of Operations” for more information on our quarterly financial results.