the taxact business 's basic federal tax preparation online software service is `` free for everyone , `` meaning that any taxpayer can use the services to e-file his or her federal income tax return without paying for upgraded services and may do so for every form that the irs allows to be e-filed . this free offer differentiates taxact 's offerings from many of its competitors who limit their free software and or services offerings to certain categories of customers or certain forms . the taxact business generates revenue from a percentage of these `` free `` users who purchase a state form or choose to upgrade for a fee to the deluxe or ultimate offering , which includes additional support , tools , or state forms in the 30 case of the ultimate offering . in addition , revenue is generated from the sale of ancillary services , which include , among other things , tax preparation support services , data archive services , bank services ( including reloadable pre-paid debit card services ) , and additional e-filing services . taxact is the recognized value player in the digital do-it-yourself space , offering comparable software and or services at a lower cost to the end user compared to larger competitors . this , coupled with its `` free for everyone `` offer , provides taxact a valuable marketing position . taxact 's professional tax preparer software allows professional tax preparers to file individual returns for their clients . revenue from professional tax preparers historically has constituted a relatively small percentage of the taxact business 's overall revenue and requires relatively modest incremental development costs as the professional tax preparer software is substantially similar to the consumer-facing software and online service . on october 4 , 2013 , taxact acquired balance financial , a provider of web and mobile-based financial management software through its website www.balancefinancial.com . e-commerce our e-commerce business , monoprice , is an online retailer of self-branded electronics and accessories to both consumers and businesses . monoprice offers its products for sale through the www.monoprice.com website , where the majority of our e-commerce revenue is derived , and fulfills those orders from our warehouse in rancho cucamonga , california . we also sell our products through reseller and marketplace agreements . monoprice has built a well-respected brand by delivering products with quality on par with well-known national brands , selling these products at prices far below the prices for those well-known brands , and providing top-tier service and rapid product delivery . the monoprice website showcases 14 product categories and over 6,900 individual products . monoprice has developed an efficient product cost structure that is enabled by a direct import supply chain solution that eliminates traditional layers of mark-ups imposed by intermediaries . consumers are able to access and purchase products 24 hours a day from the convenience of a computer or a mobile device . monoprice 's team of customer service representatives assists customers primarily by online chat or email . nearly all sales are to customers located in the united states . acquisitions hsw : on may 30 , 2014 , infospace acquired hsw for $ 44.9 million in cash . hsw is included in our financial results beginning on may 30 , 2014 , the acquisition date . monoprice : on august 22 , 2013 , we acquired monoprice for $ 182.9 million in cash . monoprice is included in our financial results beginning on august 22 , 2013 , the acquisition date . accordingly , the results discussed below were impacted by the timing of this acquisition , in that 2014 included a full year of monoprice results as compared to a partial year of results in 2013. taxact : on january 31 , 2012 , we acquired taxact for $ 287.5 million in cash . taxact is included in our financial results beginning on january 31 , 2012 , the acquisition date . accordingly , the results discussed below were impacted by the timing of this acquisition , in that 2014 and 2013 included twelve months of taxact results while 2012 included eleven months . in addition , on october 4 , 2013 , taxact acquired balance financial . seasonality our tax preparation segment is highly seasonal , with the significant majority of its annual revenue earned in the first four months of our fiscal year . during the third and fourth quarters , the tax preparation segment typically reports losses because revenue from the segment is minimal while core operating expenses continue at relatively consistent levels . revenue from our e-commerce segment also is seasonal , with revenues historically being the lowest in the second quarter , a period that does not include consumer back-to-school or holiday-related spending . comparability we revised certain amounts for the year ended december 31 , 2012 from the amounts previously reported in that period 's annual report on form 10-k. we reclassified credit card fees previously reported in `` services cost of revenue `` to `` “ sales and marketing `` expense . the reclassification had no effect on our reported revenues , operating income , or cash flows for the year ended december 31 , 2012. refer to `` note 1 : the company and basis of presentation `` of the notes to consolidated financial statements in part ii item 8 of this report . 31 results of operations summary replace_table_token_4_th year ended december 31 , 2014 compared with year ended december 31 , 2013 total revenues increased approximately $ 6.7 million due to increases of $ 96.4 million in product revenue from the monoprice business that we acquired in august 2013 and $ 12.5 million in revenue related to our tax preparation business , offset by a decrease of $ 102.2 million in revenue related to our search and content business . story_separator_special_tag million increase in revenue , offset by an increase of $ 18.6 million in operating expenses that primarily were related to the timing of the taxact acquisition . the increase in operating expenses was amplified further by the fact that a relatively high percentage of tax season advertising occurs in january , a month that was included in 2013 results but not in 2012 results due to the timing of the taxact acquisition . in addition , personnel expenses increased mainly due to higher headcount supporting sales and marketing and general and administrative functions , while data center expenses grew primarily to support our online service offerings . these operating expense increases were offset by a $ 2.4 million decrease in tax preparation services cost of revenue primarily related to decreased bank service fees on our bank card services and royalties . e-commerce the e-commerce segment was new in 2013 due to our acquisition of monoprice . unless otherwise indicated , figures for the year ended december 31 , 2013 reflect the results from august 22 , 2013 , the acquisition date , through december 31 , 2013. replace_table_token_9_th monoprice is an online retailer of self-branded electronics and accessories to both consumers and businesses . monoprice offers its products for sale through the www.monoprice.com website , where the majority of our e-commerce revenue is derived , and fulfills those orders from our warehouse in rancho cucamonga , california . we also sell our products through reseller and marketplace agreements . e-commerce revenue growth largely is driven by our ability to increase the number of monoprice.com orders and extend our sales channels . because we acquired the monoprice business during the course of 2013 , we believe that presenting the percentage change in the number of orders covering the same 2013 time period as the financial results presented ( and comparable period ) would not accurately reflect segment results of operations . accordingly , we are presenting this metric for the entire 2013 calendar year and the comparable prior period . while order growth slowed for the current period as compared to the prior period , it was offset by an increase in the average order value . the decrease in the number of orders was driven by increased activity through the reseller channel , which also increased the average order value , as well as the impacts of inventory challenges due to port slowdowns . order numbers changed as follows : replace_table_token_10_th 36 e-commerce revenue and operating income increased approximately $ 96.4 million and $ 7.1 million , respectively , primarily due to the timing of the monoprice acquisition . in addition , e-commerce segment operating expenses included a $ 1.2 million charge triggered by the resignation of ajay kumar , the president of monoprice . on june 24 , 2014 , the company accepted the resignation of mr. kumar , and , under the circumstances of that resignation , mr. kumar was entitled to receive payment under the terms of the restricted cash agreement that was entered into in connection with our acquisition of monoprice . the amount that mr. kumar was entitled to under the restricted cash agreement was the deferred amount that he otherwise would have been entitled to receive at the time of the 2013 sale of monoprice to blucora . refer to our current report on form 8-k dated june 24 , 2014 for additional information . as noted above , we have experienced inventory challenges as a result of port slowdowns . see `` risks related to our e-commerce business `` in part i item 1a . of this report . the port slowdowns have continued into the first quarter of 2015. until these slowdowns are resolved , the availability of our products will be negatively impacted . as a result , we expect downward pressure on our quarterly revenues through at least the first quarter of 2015. corporate-level activity replace_table_token_11_th certain corporate-level activity is not allocated to our segments , including certain general and administrative costs ( including personnel and overhead costs ) , stock-based compensation , depreciation , amortization of intangible assets , and impairment of goodwill and intangible assets . for further detail , refer to segment information appearing in `` note 11 : segment information `` of the notes to consolidated financial statements in part ii item 8 of this report . year ended december 31 , 2014 compared with year ended december 31 , 2013 operating expenses included in corporate-level activity increased primarily due to a $ 1.1 million net increase in personnel expenses and a $ 0.5 million increase in corporate business insurance expenses as a result of the monoprice acquisition . the net increase in personnel expenses consisted of an increase in headcount to support operations , an increase in employee separation and related costs incurred in connection with leadership changes , offset by lower bonus amounts consistent with company performance in 2014. these increases were offset by a $ 0.9 million increase in capitalized internally developed software primarily due to the timing of the monoprice acquisition . internally developed software expense is recorded within our segments with the related cost capitalization benefit recorded within corporate-level activity . stock-based compensation increased primarily due to the issuance of equity awards to balance financial and monoprice employees . depreciation increased primarily due to depreciation expense on fixed assets attributable to monoprice . amortization of intangible assets increased primarily due to amortization expense related to intangibles acquired as part of the monoprice and hsw acquisitions . impairment of goodwill and intangible assets increased primarily due to impairments recognized in the fourth quarter of 2014 on e-commerce goodwill and trade name . for further detail , see `` note 4 : goodwill and other intangible assets `` of the notes to consolidated financial statements in part ii item 8 of this report . year ended december 31 , 2013 compared with year ended december 31 , 2012 operating expenses included in

use of cash we may use our cash , cash equivalents , and short-term investments balance in the future on investment in our current businesses , in acquiring new businesses or assets , for repayment of debt , or for stock repurchases . such businesses or assets may not be related to search and content , tax preparation , or e-commerce , and such acquisitions will result in further transaction-related costs . we currently are focused on the following areas : enhancing the search and content services and tax preparation services and software offered to our end users , maintaining and adding search distribution partners and tax preparation and monoprice.com customers , expanding and diversifying the offerings of our three businesses , extending our e-commerce sales channels through geographic and other means , and building our e-commerce brand recognition . on may 30 , 2014 , infospace acquired hsw for $ 44.9 million in cash , which was funded from our available cash . on august 22 , 2013 , we acquired monoprice for $ 182.9 million in cash . the acquisition of monoprice was funded from our available cash . on november 22 , 2013 , monoprice entered into a $ 70.0 million credit facility agreement for the purposes of post-transaction financing of the monoprice acquisition and providing future working capital flexibility for monoprice . the final maturity date of the credit facility is november 22 , 2018. the interest rate is variable , based upon choices from which monoprice elects . the credit facility includes financial and operating covenants with respect to certain ratios , including leverage ratio and fixed charge coverage ratio , which are defined further in the agreement . we were in compliance with these covenants as of december 31 , 2014 . monoprice borrowed $ 50.0 million under the credit facility , receiving net proceeds of approximately $ 49.3 million .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```use of cash we may use our cash , cash equivalents , and short-term investments balance in the future on investment in our current businesses , in acquiring new businesses or assets , for repayment of debt , or for stock repurchases . such businesses or assets may not be related to search and content , tax preparation , or e-commerce , and such acquisitions will result in further transaction-related costs . we currently are focused on the following areas : enhancing the search and content services and tax preparation services and software offered to our end users , maintaining and adding search distribution partners and tax preparation and monoprice.com customers , expanding and diversifying the offerings of our three businesses , extending our e-commerce sales channels through geographic and other means , and building our e-commerce brand recognition . on may 30 , 2014 , infospace acquired hsw for $ 44.9 million in cash , which was funded from our available cash . on august 22 , 2013 , we acquired monoprice for $ 182.9 million in cash . the acquisition of monoprice was funded from our available cash . on november 22 , 2013 , monoprice entered into a $ 70.0 million credit facility agreement for the purposes of post-transaction financing of the monoprice acquisition and providing future working capital flexibility for monoprice . the final maturity date of the credit facility is november 22 , 2018. the interest rate is variable , based upon choices from which monoprice elects . the credit facility includes financial and operating covenants with respect to certain ratios , including leverage ratio and fixed charge coverage ratio , which are defined further in the agreement . we were in compliance with these covenants as of december 31 , 2014 . monoprice borrowed $ 50.0 million under the credit facility , receiving net proceeds of approximately $ 49.3 million .
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 Suspicious Activity Report : the taxact business 's basic federal tax preparation online software service is `` free for everyone , `` meaning that any taxpayer can use the services to e-file his or her federal income tax return without paying for upgraded services and may do so for every form that the irs allows to be e-filed . this free offer differentiates taxact 's offerings from many of its competitors who limit their free software and or services offerings to certain categories of customers or certain forms . the taxact business generates revenue from a percentage of these `` free `` users who purchase a state form or choose to upgrade for a fee to the deluxe or ultimate offering , which includes additional support , tools , or state forms in the 30 case of the ultimate offering . in addition , revenue is generated from the sale of ancillary services , which include , among other things , tax preparation support services , data archive services , bank services ( including reloadable pre-paid debit card services ) , and additional e-filing services . taxact is the recognized value player in the digital do-it-yourself space , offering comparable software and or services at a lower cost to the end user compared to larger competitors . this , coupled with its `` free for everyone `` offer , provides taxact a valuable marketing position . taxact 's professional tax preparer software allows professional tax preparers to file individual returns for their clients . revenue from professional tax preparers historically has constituted a relatively small percentage of the taxact business 's overall revenue and requires relatively modest incremental development costs as the professional tax preparer software is substantially similar to the consumer-facing software and online service . on october 4 , 2013 , taxact acquired balance financial , a provider of web and mobile-based financial management software through its website www.balancefinancial.com . e-commerce our e-commerce business , monoprice , is an online retailer of self-branded electronics and accessories to both consumers and businesses . monoprice offers its products for sale through the www.monoprice.com website , where the majority of our e-commerce revenue is derived , and fulfills those orders from our warehouse in rancho cucamonga , california . we also sell our products through reseller and marketplace agreements . monoprice has built a well-respected brand by delivering products with quality on par with well-known national brands , selling these products at prices far below the prices for those well-known brands , and providing top-tier service and rapid product delivery . the monoprice website showcases 14 product categories and over 6,900 individual products . monoprice has developed an efficient product cost structure that is enabled by a direct import supply chain solution that eliminates traditional layers of mark-ups imposed by intermediaries . consumers are able to access and purchase products 24 hours a day from the convenience of a computer or a mobile device . monoprice 's team of customer service representatives assists customers primarily by online chat or email . nearly all sales are to customers located in the united states . acquisitions hsw : on may 30 , 2014 , infospace acquired hsw for $ 44.9 million in cash . hsw is included in our financial results beginning on may 30 , 2014 , the acquisition date . monoprice : on august 22 , 2013 , we acquired monoprice for $ 182.9 million in cash . monoprice is included in our financial results beginning on august 22 , 2013 , the acquisition date . accordingly , the results discussed below were impacted by the timing of this acquisition , in that 2014 included a full year of monoprice results as compared to a partial year of results in 2013. taxact : on january 31 , 2012 , we acquired taxact for $ 287.5 million in cash . taxact is included in our financial results beginning on january 31 , 2012 , the acquisition date . accordingly , the results discussed below were impacted by the timing of this acquisition , in that 2014 and 2013 included twelve months of taxact results while 2012 included eleven months . in addition , on october 4 , 2013 , taxact acquired balance financial . seasonality our tax preparation segment is highly seasonal , with the significant majority of its annual revenue earned in the first four months of our fiscal year . during the third and fourth quarters , the tax preparation segment typically reports losses because revenue from the segment is minimal while core operating expenses continue at relatively consistent levels . revenue from our e-commerce segment also is seasonal , with revenues historically being the lowest in the second quarter , a period that does not include consumer back-to-school or holiday-related spending . comparability we revised certain amounts for the year ended december 31 , 2012 from the amounts previously reported in that period 's annual report on form 10-k. we reclassified credit card fees previously reported in `` services cost of revenue `` to `` “ sales and marketing `` expense . the reclassification had no effect on our reported revenues , operating income , or cash flows for the year ended december 31 , 2012. refer to `` note 1 : the company and basis of presentation `` of the notes to consolidated financial statements in part ii item 8 of this report . 31 results of operations summary replace_table_token_4_th year ended december 31 , 2014 compared with year ended december 31 , 2013 total revenues increased approximately $ 6.7 million due to increases of $ 96.4 million in product revenue from the monoprice business that we acquired in august 2013 and $ 12.5 million in revenue related to our tax preparation business , offset by a decrease of $ 102.2 million in revenue related to our search and content business . story_separator_special_tag million increase in revenue , offset by an increase of $ 18.6 million in operating expenses that primarily were related to the timing of the taxact acquisition . the increase in operating expenses was amplified further by the fact that a relatively high percentage of tax season advertising occurs in january , a month that was included in 2013 results but not in 2012 results due to the timing of the taxact acquisition . in addition , personnel expenses increased mainly due to higher headcount supporting sales and marketing and general and administrative functions , while data center expenses grew primarily to support our online service offerings . these operating expense increases were offset by a $ 2.4 million decrease in tax preparation services cost of revenue primarily related to decreased bank service fees on our bank card services and royalties . e-commerce the e-commerce segment was new in 2013 due to our acquisition of monoprice . unless otherwise indicated , figures for the year ended december 31 , 2013 reflect the results from august 22 , 2013 , the acquisition date , through december 31 , 2013. replace_table_token_9_th monoprice is an online retailer of self-branded electronics and accessories to both consumers and businesses . monoprice offers its products for sale through the www.monoprice.com website , where the majority of our e-commerce revenue is derived , and fulfills those orders from our warehouse in rancho cucamonga , california . we also sell our products through reseller and marketplace agreements . e-commerce revenue growth largely is driven by our ability to increase the number of monoprice.com orders and extend our sales channels . because we acquired the monoprice business during the course of 2013 , we believe that presenting the percentage change in the number of orders covering the same 2013 time period as the financial results presented ( and comparable period ) would not accurately reflect segment results of operations . accordingly , we are presenting this metric for the entire 2013 calendar year and the comparable prior period . while order growth slowed for the current period as compared to the prior period , it was offset by an increase in the average order value . the decrease in the number of orders was driven by increased activity through the reseller channel , which also increased the average order value , as well as the impacts of inventory challenges due to port slowdowns . order numbers changed as follows : replace_table_token_10_th 36 e-commerce revenue and operating income increased approximately $ 96.4 million and $ 7.1 million , respectively , primarily due to the timing of the monoprice acquisition . in addition , e-commerce segment operating expenses included a $ 1.2 million charge triggered by the resignation of ajay kumar , the president of monoprice . on june 24 , 2014 , the company accepted the resignation of mr. kumar , and , under the circumstances of that resignation , mr. kumar was entitled to receive payment under the terms of the restricted cash agreement that was entered into in connection with our acquisition of monoprice . the amount that mr. kumar was entitled to under the restricted cash agreement was the deferred amount that he otherwise would have been entitled to receive at the time of the 2013 sale of monoprice to blucora . refer to our current report on form 8-k dated june 24 , 2014 for additional information . as noted above , we have experienced inventory challenges as a result of port slowdowns . see `` risks related to our e-commerce business `` in part i item 1a . of this report . the port slowdowns have continued into the first quarter of 2015. until these slowdowns are resolved , the availability of our products will be negatively impacted . as a result , we expect downward pressure on our quarterly revenues through at least the first quarter of 2015. corporate-level activity replace_table_token_11_th certain corporate-level activity is not allocated to our segments , including certain general and administrative costs ( including personnel and overhead costs ) , stock-based compensation , depreciation , amortization of intangible assets , and impairment of goodwill and intangible assets . for further detail , refer to segment information appearing in `` note 11 : segment information `` of the notes to consolidated financial statements in part ii item 8 of this report . year ended december 31 , 2014 compared with year ended december 31 , 2013 operating expenses included in corporate-level activity increased primarily due to a $ 1.1 million net increase in personnel expenses and a $ 0.5 million increase in corporate business insurance expenses as a result of the monoprice acquisition . the net increase in personnel expenses consisted of an increase in headcount to support operations , an increase in employee separation and related costs incurred in connection with leadership changes , offset by lower bonus amounts consistent with company performance in 2014. these increases were offset by a $ 0.9 million increase in capitalized internally developed software primarily due to the timing of the monoprice acquisition . internally developed software expense is recorded within our segments with the related cost capitalization benefit recorded within corporate-level activity . stock-based compensation increased primarily due to the issuance of equity awards to balance financial and monoprice employees . depreciation increased primarily due to depreciation expense on fixed assets attributable to monoprice . amortization of intangible assets increased primarily due to amortization expense related to intangibles acquired as part of the monoprice and hsw acquisitions . impairment of goodwill and intangible assets increased primarily due to impairments recognized in the fourth quarter of 2014 on e-commerce goodwill and trade name . for further detail , see `` note 4 : goodwill and other intangible assets `` of the notes to consolidated financial statements in part ii item 8 of this report . year ended december 31 , 2013 compared with year ended december 31 , 2012 operating expenses included in

