

	September 30, 2019			September 30, 2018
	(in millions)
Land	$	71		$	69
Buildings and building improvements	965			898
Furniture, equipment and leasehold improvements	1,913			1,661
Construction-in-progress	180			153
Technology	3,441			2,916
Total property, equipment and technology	6,570			5,697
Accumulated depreciation and amortization	(3,875		)	(3,225		)
Property, equipment and technology, net	$	2,695		$	2,472

Technology consists of both purchased and internally developed software. Internally developed software primarily represents software utilized by the VisaNet electronic payments network. At September 30, 2019 and 2018, accumulated amortization for technology was $2.3 billion and $1.9 billion, respectively.

At September 30, 2019, estimated future amortization expense on technology is as follows:



	For the Years Ending September 30,
	2020		2021		2022		2023		2024		Thereafter		Total
	(in millions)
Estimated future amortization expense	$	355	$	297	$	226	$	145	$	70	$	24	$	1,117

Depreciation and amortization expense related to property, equipment and technology was $596 million, $558 million and $500 million for fiscal 2019, 2018 and 2017, respectively. Included in those amounts was amortization expense on technology of $357 million, $312 million and $285 million for fiscal 2019, 2018 and 2017, respectively.