for additional information on this transaction , see “ item 7 – management 's discussion and analysis of financial condition and results of operations – liquidity and capital resources ” and note 5 to the consolidated financial statements included elsewhere in this report . in august 2019 , we issued $ 350.0 million of 3.70 % senior notes due 2030 , and used the net proceeds , along with cash on hand , to complete a cash tender offer to purchase $ 100.0 million of the $ 375.0 million then outstanding aggregate principal amount of our 6.75 % senior notes due 2034 and to redeem $ 250.0 million of the $ 300.0 million then outstanding aggregate principal amount of our floating rate senior notes due 2021. a loss on extinguishment of debt of $ 31.4 million , primarily related to incremental consideration required to be paid to debtholders as a result of the interest rate differential over the remaining term as compared to current rates , was reported in twelve months 2019 as a result of the cash tender offer . see “ – liquidity and capital resources , ” below for further details . summary of financial results : consolidated net income attributable to common stockholders increased $ 127.1 million , or 54 % , to $ 363.9 million for twelve months 2019 from $ 236.8 million for twelve months 2018. the increase was driven by $ 128.7 million of lower reportable catastrophes ( reportable catastrophe losses , net of reinsurance and client profit sharing adjustments , and including reinstatement and other premiums ) and expansion in our global lifestyle segment , as well as full-year contributions from 40 twg . the increase was partially offset by a $ 163.9 million after-tax loss related to a change in the fair value of iké following the company 's decision to sell the business . global lifestyle net income increased $ 111.6 million , or 37 % , to $ 409.3 million for twelve months 2019 from $ 297.7 million for twelve months 2018 , primarily due to strong organic growth in mobile and full-year contributions from twg , partially offset by continued declines in global financial services and other . twg contributed approximately $ 130 million of full year net income to global lifestyle in 2019 compared to $ 74.7 million of income , excluding the $ 9.3 million after-tax benefit for client recoverables , for seven months in 2018. global lifestyle net earned premiums , fees and other income increased $ 1.91 billion to $ 7.09 billion for the twelve months 2019 compared with $ 5.18 billion for twelve months 2018 , primarily due to full-year contributions from twg and growth in connected living , primarily driven by growth in new mobile subscribers and higher trade-in volumes in our repairs and logistics business , and continued growth in global automotive . global housing net income increased $ 107.9 million , or 72 % , to $ 258.7 million for twelve months 2019 from $ 150.8 million for twelve months 2018 , primarily due to $ 128.8 million of lower reportable catastrophes . excluding reportable catastrophes , segment net income decreased , primarily driven by declines in lender-placed insurance , mostly from the reduction in loans tracked from a financially insolvent client and higher non-catastrophe loss experience in specialty and other . the decrease was partially offset by the absence of mortgage solutions losses in twelve months 2018 and growth in multifamily housing . global housing net earned premiums , fees and other income decreased $ 55.5 million to $ 2.03 billion for twelve months 2019 compared with $ 2.09 billion for twelve months 2018 , primarily due to the sale of mortgage solutions . excluding mortgage solutions , net earned premiums , fees and other income increased 3 % primarily due to growth in specialty and other and multifamily housing , partially offset by declines in lender-placed insurance , including the impact of additional catastrophe reinsurance . global preneed net income decreased $ 5.5 million , or 10 % , to $ 52.2 million for twelve months 2019 from $ 57.7 million for twelve months 2018 , primarily due to an out of period adjustment of $ 9.9 million related to a net over-capitalization of deferred acquisition costs occurring over a ten-year period . excluding this adjustment , segment net income increased primarily due to overall growth in the business and lower mortality . global preneed net earned premiums , fees and other income increased $ 11.4 million to $ 200.9 million for twelve months 2019 compared with $ 189.5 million for twelve months 2018 , primarily driven by growth in prefunded funeral policies and prior period sales of the final need product . critical factors affecting results our results depend on , among other things , the appropriateness of our product pricing , underwriting , the accuracy of our reserving methodology for future policyholder benefits and claims , the frequency and severity of reportable and non-reportable catastrophes , returns on and values of invested assets and our ability to manage our expenses and achieve expense savings . our results will also depend on our ability to profitably grow all of our businesses , in particular our connected living , multifamily housing and global automotive businesses , and manage the pace of declines in placement rates in our lender-placed insurance business and the north american credit insurance business in global financial services and other . factors affecting these items , including , but not limited to , conditions in financial markets , the global economy and the markets in which we operate , fluctuations in exchange rates and inflation , may have a material adverse effect on our results of operations or financial condition . for more information on these and other factors that could affect our results , see “ item 1a – risk factors . story_separator_special_tag while we have not been released from our contractual obligation to the policyholders , changes in and deviations from economic , mortality , morbidity , and withdrawal assumptions used in the calculation of these reserves will not directly affect our results of operations unless there is a default by the assuming reinsurer . deferred acquisition costs ( “ dac ” ) and value of business acquired ( “ voba ” ) only direct incremental costs associated with the successful acquisition of new or renewal insurance contracts are deferred to the extent that such costs are deemed recoverable from future premiums or gross profits . acquisition costs primarily consist of commissions and premium taxes . certain direct response advertising expenses are deferred when the primary purpose of the advertising is to elicit sales to customers who can be shown to have specifically responded to the advertising and the direct response advertising results in probable future benefits . premium deficiency testing is performed annually and generally reviewed quarterly . such testing involves the use of best estimate assumptions including the anticipation of investment income to determine if anticipated future policy premiums are adequate to recover all dac and related claims , benefits and expenses . to the extent a premium deficiency exists , it is recognized immediately by a charge to the consolidated statement of operations and a corresponding reduction in dac . if the premium deficiency is greater than unamortized dac , a loss ( and related liability ) is recorded for the excess deficiency . long duration contracts acquisition costs for pre-funded funeral life insurance policies issued prior to 2009 and certain life insurance policies no longer offered are deferred and amortized in proportion to anticipated premiums over the premium-paying period . these acquisition costs consist primarily of first year commissions paid to agents . for preneed investment-type annuities , preneed life insurance policies with discretionary death benefit growth issued after january 1 , 2009 , universal life insurance policies and investment-type annuities no longer offered , dac is amortized in proportion to the present value of estimated gross profits from investment , mortality , expense margins and surrender charges over the estimated life of the policy or contract . estimated gross profits include the impact of unrealized gains or losses on investments as if these gains or losses had been realized , with corresponding credits or charges included in accumulated other comprehensive income ( “ aoci ” ) . the assumptions used for the estimates are consistent with those used in computing the policy or contract liabilities . short duration contracts 45 acquisition costs relating to extended service contracts , vehicle service contracts , mobile device protection , credit insurance , lender-placed homeowners insurance and flood , multifamily housing and manufactured housing are amortized over the term of the contracts in relation to premiums earned . these acquisition costs consist primarily of advance commissions paid to agents . acquisition costs relating to disposed lines of business ( group term life , group disability , group dental and group vision ) consist primarily of compensation to sales representatives . such costs are deferred and amortized over the estimated terms of the underlying contracts . voba as part of the acquisition of businesses that sell long-term extended service contracts , such as warranty contracts sold by twg , and long-duration insurance contracts , such as life products , we establish an intangible asset related to voba , which represents the fair value of the expected future profits in unearned premium for insurance contracts acquired . for vehicle service contracts and extended service contracts such as those purchased in connection with the twg acquisition , the amount is determined using estimates , for premium earnings patterns , paid loss development patterns , expense loads , and discount rates applied to cash flows that include a provision for credit risk . for vehicle service contracts and extended service contracts , voba is amortized consistent with the premium earning patterns of the underlying in-force contracts . for limited payment policies , preneed life insurance policies , universal life policies and annuities , the valuation of voba at the time of acquisition is derived from similar assumptions to those used to establish the associated claim or benefit reserves and is amortized over the expected life of the policies . investments we regularly monitor our investment portfolio to ensure that investments that may be other-than-temporarily impaired are timely identified , properly valued and charged against earnings in the proper period . the determination that a security has incurred an other-than-temporary decline in value requires the judgment of management . assessment factors include , but are not limited to , the length of time and the extent to which the market value has been less than cost , the financial condition and rating of the issuer , whether any collateral is held , our intent and ability to retain the investment for a period of time sufficient to allow for recovery and our intent to sell or whether it is more likely than not that we will be required to sell for fixed maturity securities . inherently , there are risks and uncertainties involved in making these judgments . changes in circumstances and critical assumptions such as a continued weak economy , a more pronounced economic downturn or unforeseen events that affect one or more companies , industry sectors , or countries could result in additional impairments in future periods for other-than-temporary declines in value . the impairment of a fixed maturity security that we have the intent to sell or that we will more likely than not be required to sell is deemed other-than-temporary and is written down to its market value at the balance sheet date with the amount of the impairment reported as a realized loss in that period . for all other-than-temporarily impaired fixed maturity securities that do not meet either of these two criteria , we are required to analyze our ability

net cash provided by operating activities was $ 1.41 billion and $ 656.7 million for twelve months 2019 and twelve months 2018 , respectively . the increase in net cash provided by operating activities was primarily due to growth of our global lifestyle business that benefitted from the twg acquisition and organic growth in connected living from new and existing mobile protection programs domestically and internationally as well as a decrease in claim payments for reportable catastrophes . additionally , twelve months 2018 included a $ 41.5 million payment of an accrued indemnification liability related to the previous sale of our general agency business in the prior year . investing activities : 61 net cash used in investing activities was $ 619.8 million and $ 2.20 billion for twelve months 2019 and twelve months 2018 , respectively . the decrease in net cash used in investing activities was primarily due to the acquisition of twg in the second quarter 2018 when $ 1.49 billion of cash was used to fund a portion of the $ 2.47 billion purchase price . in addition , cash from our cies was lower due to the timing of clo structures launched in each year . for additional information , see note 9 to the consolidated financial statements included elsewhere in the report . the reductions in cash were partially offset by normal changes in our operating portfolio .


 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.
     ```net cash provided by operating activities was $ 1.41 billion and $ 656.7 million for twelve months 2019 and twelve months 2018 , respectively . the increase in net cash provided by operating activities was primarily due to growth of our global lifestyle business that benefitted from the twg acquisition and organic growth in connected living from new and existing mobile protection programs domestically and internationally as well as a decrease in claim payments for reportable catastrophes . additionally , twelve months 2018 included a $ 41.5 million payment of an accrued indemnification liability related to the previous sale of our general agency business in the prior year . investing activities : 61 net cash used in investing activities was $ 619.8 million and $ 2.20 billion for twelve months 2019 and twelve months 2018 , respectively . the decrease in net cash used in investing activities was primarily due to the acquisition of twg in the second quarter 2018 when $ 1.49 billion of cash was used to fund a portion of the $ 2.47 billion purchase price . in addition , cash from our cies was lower due to the timing of clo structures launched in each year . for additional information , see note 9 to the consolidated financial statements included elsewhere in the report . the reductions in cash were partially offset by normal changes in our operating portfolio .
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 Suspicious Activity Report : for additional information on this transaction , see “ item 7 – management 's discussion and analysis of financial condition and results of operations – liquidity and capital resources ” and note 5 to the consolidated financial statements included elsewhere in this report . in august 2019 , we issued $ 350.0 million of 3.70 % senior notes due 2030 , and used the net proceeds , along with cash on hand , to complete a cash tender offer to purchase $ 100.0 million of the $ 375.0 million then outstanding aggregate principal amount of our 6.75 % senior notes due 2034 and to redeem $ 250.0 million of the $ 300.0 million then outstanding aggregate principal amount of our floating rate senior notes due 2021. a loss on extinguishment of debt of $ 31.4 million , primarily related to incremental consideration required to be paid to debtholders as a result of the interest rate differential over the remaining term as compared to current rates , was reported in twelve months 2019 as a result of the cash tender offer . see “ – liquidity and capital resources , ” below for further details . summary of financial results : consolidated net income attributable to common stockholders increased $ 127.1 million , or 54 % , to $ 363.9 million for twelve months 2019 from $ 236.8 million for twelve months 2018. the increase was driven by $ 128.7 million of lower reportable catastrophes ( reportable catastrophe losses , net of reinsurance and client profit sharing adjustments , and including reinstatement and other premiums ) and expansion in our global lifestyle segment , as well as full-year contributions from 40 twg . the increase was partially offset by a $ 163.9 million after-tax loss related to a change in the fair value of iké following the company 's decision to sell the business . global lifestyle net income increased $ 111.6 million , or 37 % , to $ 409.3 million for twelve months 2019 from $ 297.7 million for twelve months 2018 , primarily due to strong organic growth in mobile and full-year contributions from twg , partially offset by continued declines in global financial services and other . twg contributed approximately $ 130 million of full year net income to global lifestyle in 2019 compared to $ 74.7 million of income , excluding the $ 9.3 million after-tax benefit for client recoverables , for seven months in 2018. global lifestyle net earned premiums , fees and other income increased $ 1.91 billion to $ 7.09 billion for the twelve months 2019 compared with $ 5.18 billion for twelve months 2018 , primarily due to full-year contributions from twg and growth in connected living , primarily driven by growth in new mobile subscribers and higher trade-in volumes in our repairs and logistics business , and continued growth in global automotive . global housing net income increased $ 107.9 million , or 72 % , to $ 258.7 million for twelve months 2019 from $ 150.8 million for twelve months 2018 , primarily due to $ 128.8 million of lower reportable catastrophes . excluding reportable catastrophes , segment net income decreased , primarily driven by declines in lender-placed insurance , mostly from the reduction in loans tracked from a financially insolvent client and higher non-catastrophe loss experience in specialty and other . the decrease was partially offset by the absence of mortgage solutions losses in twelve months 2018 and growth in multifamily housing . global housing net earned premiums , fees and other income decreased $ 55.5 million to $ 2.03 billion for twelve months 2019 compared with $ 2.09 billion for twelve months 2018 , primarily due to the sale of mortgage solutions . excluding mortgage solutions , net earned premiums , fees and other income increased 3 % primarily due to growth in specialty and other and multifamily housing , partially offset by declines in lender-placed insurance , including the impact of additional catastrophe reinsurance . global preneed net income decreased $ 5.5 million , or 10 % , to $ 52.2 million for twelve months 2019 from $ 57.7 million for twelve months 2018 , primarily due to an out of period adjustment of $ 9.9 million related to a net over-capitalization of deferred acquisition costs occurring over a ten-year period . excluding this adjustment , segment net income increased primarily due to overall growth in the business and lower mortality . global preneed net earned premiums , fees and other income increased $ 11.4 million to $ 200.9 million for twelve months 2019 compared with $ 189.5 million for twelve months 2018 , primarily driven by growth in prefunded funeral policies and prior period sales of the final need product . critical factors affecting results our results depend on , among other things , the appropriateness of our product pricing , underwriting , the accuracy of our reserving methodology for future policyholder benefits and claims , the frequency and severity of reportable and non-reportable catastrophes , returns on and values of invested assets and our ability to manage our expenses and achieve expense savings . our results will also depend on our ability to profitably grow all of our businesses , in particular our connected living , multifamily housing and global automotive businesses , and manage the pace of declines in placement rates in our lender-placed insurance business and the north american credit insurance business in global financial services and other . factors affecting these items , including , but not limited to , conditions in financial markets , the global economy and the markets in which we operate , fluctuations in exchange rates and inflation , may have a material adverse effect on our results of operations or financial condition . for more information on these and other factors that could affect our results , see “ item 1a – risk factors . story_separator_special_tag while we have not been released from our contractual obligation to the policyholders , changes in and deviations from economic , mortality , morbidity , and withdrawal assumptions used in the calculation of these reserves will not directly affect our results of operations unless there is a default by the assuming reinsurer . deferred acquisition costs ( “ dac ” ) and value of business acquired ( “ voba ” ) only direct incremental costs associated with the successful acquisition of new or renewal insurance contracts are deferred to the extent that such costs are deemed recoverable from future premiums or gross profits . acquisition costs primarily consist of commissions and premium taxes . certain direct response advertising expenses are deferred when the primary purpose of the advertising is to elicit sales to customers who can be shown to have specifically responded to the advertising and the direct response advertising results in probable future benefits . premium deficiency testing is performed annually and generally reviewed quarterly . such testing involves the use of best estimate assumptions including the anticipation of investment income to determine if anticipated future policy premiums are adequate to recover all dac and related claims , benefits and expenses . to the extent a premium deficiency exists , it is recognized immediately by a charge to the consolidated statement of operations and a corresponding reduction in dac . if the premium deficiency is greater than unamortized dac , a loss ( and related liability ) is recorded for the excess deficiency . long duration contracts acquisition costs for pre-funded funeral life insurance policies issued prior to 2009 and certain life insurance policies no longer offered are deferred and amortized in proportion to anticipated premiums over the premium-paying period . these acquisition costs consist primarily of first year commissions paid to agents . for preneed investment-type annuities , preneed life insurance policies with discretionary death benefit growth issued after january 1 , 2009 , universal life insurance policies and investment-type annuities no longer offered , dac is amortized in proportion to the present value of estimated gross profits from investment , mortality , expense margins and surrender charges over the estimated life of the policy or contract . estimated gross profits include the impact of unrealized gains or losses on investments as if these gains or losses had been realized , with corresponding credits or charges included in accumulated other comprehensive income ( “ aoci ” ) . the assumptions used for the estimates are consistent with those used in computing the policy or contract liabilities . short duration contracts 45 acquisition costs relating to extended service contracts , vehicle service contracts , mobile device protection , credit insurance , lender-placed homeowners insurance and flood , multifamily housing and manufactured housing are amortized over the term of the contracts in relation to premiums earned . these acquisition costs consist primarily of advance commissions paid to agents . acquisition costs relating to disposed lines of business ( group term life , group disability , group dental and group vision ) consist primarily of compensation to sales representatives . such costs are deferred and amortized over the estimated terms of the underlying contracts . voba as part of the acquisition of businesses that sell long-term extended service contracts , such as warranty contracts sold by twg , and long-duration insurance contracts , such as life products , we establish an intangible asset related to voba , which represents the fair value of the expected future profits in unearned premium for insurance contracts acquired . for vehicle service contracts and extended service contracts such as those purchased in connection with the twg acquisition , the amount is determined using estimates , for premium earnings patterns , paid loss development patterns , expense loads , and discount rates applied to cash flows that include a provision for credit risk . for vehicle service contracts and extended service contracts , voba is amortized consistent with the premium earning patterns of the underlying in-force contracts . for limited payment policies , preneed life insurance policies , universal life policies and annuities , the valuation of voba at the time of acquisition is derived from similar assumptions to those used to establish the associated claim or benefit reserves and is amortized over the expected life of the policies . investments we regularly monitor our investment portfolio to ensure that investments that may be other-than-temporarily impaired are timely identified , properly valued and charged against earnings in the proper period . the determination that a security has incurred an other-than-temporary decline in value requires the judgment of management . assessment factors include , but are not limited to , the length of time and the extent to which the market value has been less than cost , the financial condition and rating of the issuer , whether any collateral is held , our intent and ability to retain the investment for a period of time sufficient to allow for recovery and our intent to sell or whether it is more likely than not that we will be required to sell for fixed maturity securities . inherently , there are risks and uncertainties involved in making these judgments . changes in circumstances and critical assumptions such as a continued weak economy , a more pronounced economic downturn or unforeseen events that affect one or more companies , industry sectors , or countries could result in additional impairments in future periods for other-than-temporary declines in value . the impairment of a fixed maturity security that we have the intent to sell or that we will more likely than not be required to sell is deemed other-than-temporary and is written down to its market value at the balance sheet date with the amount of the impairment reported as a realized loss in that period . for all other-than-temporarily impaired fixed maturity securities that do not meet either of these two criteria , we are required to analyze our ability

