a significant portion of our revenues are derived from the sale of products and services within the banking ( including consumer credit ) industry , and 69 % and 74 % of our revenues were derived from within this industry during fiscal 2015 and 2014 , respectively . in addition , we derive a significant share of revenue from transactional or unit-based software license fees , transactional fees derived under scoring , network service or internal hosted software arrangements , annual software maintenance fees and annual license fees under long-term software license arrangements . arrangements with transactional or unit-based pricing accounted for 67 % of our revenues during fiscal 2015 and 2014 . revenue fluctuations in our business are primarily driven by changes in the transactional volume and license fees . 27 operating income for fiscal 2015 was $ 137.5 million , a decrease of 15 % from $ 161.9 million in fiscal 2014 . operating margin decreased to 16 % from 21 % . the margin decrease was primarily attributable to an increase in our restructuring cost related to the write-down of facilities , our continued investment in the areas of cloud computing and saas , and an increase in our professional services delivery cost , partially offset by a higher percentage of revenues derived from our higher-margin products including revenues generated from our experian agreement . net income decreased 9 % to $ 86.5 million in fiscal 2015 from $ 94.9 million in fiscal 2014 primarily due to the decrease in operating margin , partially offset by lower income tax expense , largely driven by a favorable tax adjustment in fiscal 2015. diluted earnings per share for fiscal 2015 was $ 2.65 , a decrease of 3 % from $ 2.72 in fiscal 2014 . bookings management regards the volume of bookings achieved as an important indicator of future revenues , but they are not comparable to nor a substitute for an analysis of our revenues . bookings represent contracts signed in the current reporting period that generate current and future revenue streams . we estimate bookings as of the end of the period in which a contract is signed and initial booking estimates are not updated in future periods for changes between estimated and actual results . our calculations have varying degrees of certainty depending on the revenue type and individual contract terms . they are subject to a number of risks and uncertainties concerning timing and contingencies affecting product delivery and performance , and estimates consider contract terms , knowledge of the marketplace and experience with our customers , among other factors . actual revenue and the timing thereof could differ materially from our initial estimates . although many of our contracts contain non-cancelable terms , most of our bookings are transactional or service related that are dependent upon estimates such as volume of transactions , number of active accounts , or number of hours incurred . since these estimates can not be considered fixed or firm , we do not believe it is appropriate to characterize bookings as backlog . the following paragraphs discuss the key assumptions used to calculate bookings and the susceptibility of these assumptions to variability for each revenue type . transactional and maintenance bookings we calculate transactional bookings as the total estimated volume of transactions or number of accounts under contract , multiplied by the contractual rate . transactional contracts generally span multiple years and require estimates of future transaction volumes or number of active accounts . we develop estimates from discussions with our customers and examinations of historical data from similar products and customer arrangements . differences between estimated bookings and actual results occur due to variability in the volume of transactions or number of active accounts estimated . this variability is primarily caused by the economic trends in our customers ' industries ; individual performance of our customers relative to their competitors ; and regulatory and other factors that affect the business environment in which our customers operate . we calculate maintenance bookings directly from the terms stated in the contract . professional services bookings we calculate professional services bookings as the estimated number of hours to complete a project multiplied by the rate per hour . we estimate the number of hours based on our understanding of the project scope , conversations with customer personnel and our experience in estimating professional services projects . estimated bookings may differ from actual results primarily due to differences in the actual number of hours incurred . license bookings licenses are sold on a perpetual or term basis and bookings generally equal the fixed amount stated in the contract . 28 bookings trend analysis replace_table_token_4_th ( 1 ) bookings yield represents the percentage of revenue recognized from bookings for the periods indicated . ( 2 ) weighted-average term of bookings measures the average term over which bookings are expected to be recognized as revenue . ( a ) nm - measure is not meaningful as our estimate of bookings is as of the end of the period in which a contract is signed , and we do not update our initial booking estimates in future periods for changes between estimated and actual results . transactional and maintenance bookings were 31 % and 29 % of total bookings for the years ended september 30 , 2015 and 2014 , respectively . professional services bookings were 47 % of total bookings for the years ended september 30 , 2015 and 2014 . license bookings were 22 % and 24 % of total bookings for the years ended september 30 , 2015 and 2014 , respectively . results of operations we are organized into the following three reportable segments : applications , scores and tools . story_separator_special_tag the decrease in our effective tax rate in fiscal 2015 compared to fiscal 2014 was due primarily to the favorable settlement of the fiscal 2006 - 2009 state audits and the favorable settlement of the 2010 foreign transfer pricing assessment , as well as the december 2014 reenactment of the calendar 2014 u.s. federal research and development credit , which resulted in a catch up adjustment for the r & d credit during fiscal 2015. the decrease in our effective tax rate in fiscal 2014 compared to fiscal 2013 was due primarily to the favorable settlement of the fiscal 2010 - 2012 federal irs audits and secondarily to a higher percentage of revenue in lower taxing jurisdictions . as of september 30 , 2015 we have reported $ 52.8 million of unremitted earnings of the international subsidiaries in our consolidated income . u.s. income taxes have not been provided on undistributed earnings of international subsidiaries . it is our intention to reinvest these earnings permanently or to repatriate the earnings only when it is tax efficient to do so . the amount of the unrecognized deferred tax liability depends on judgment required to analyze the withholding tax due , the applicable tax law and related tax treaties , and factual circumstances in effect at the time of any such distribution , therefore , we believe it is not practicable at this time to reliably determine the amount of the unrecognized deferred tax liability related to our undistributed earnings . if circumstances change and it becomes apparent that some or all of the undistributed earnings of a subsidiary will be remitted in the next twelve months and income taxes have not been recognized by the parent entity , the parent entity shall accrue as an expense of the current period income taxes attributable to that remittance . 35 operating income the following tables set forth certain summary information on a segment basis related to our operating income for the fiscal 2015 , 2014 and 2013 : replace_table_token_13_th applications replace_table_token_14_th scores replace_table_token_15_th tools replace_table_token_16_th 36 the decrease in operating income between fiscal 2015 and 2014 of $ 24.4 million was attributable to a $ 61.3 million increase in segment operating expenses , a $ 14.0 million increase in restructuring and acquisition-related expenses , an $ 8.9 million increase in share-based compensation expense and a $ 1.8 million increase in amortization expense , partially offset by a $ 49.8 million increase in segment revenues and an $ 11.8 million decrease in unallocated corporate expenses . at the segment level , the $ 0.3 million increase in segment operating income was driven by an $ 11.8 million decrease in unallocated corporate expenses and an $ 8.9 million increase in our scores segment , partially offset by a $ 10.5 million decrease in our tools segment and a $ 9.9 million decrease in our applications segment . the $ 9.9 million decrease in applications segment operating income was attributable to a $ 31.9 million increase in segment operating expenses , partially offset by a $ 22.0 million increase in segment revenues . segment operating income as a percentage of segment revenues for applications decreased to 30 % from 34 % primarily due to an increase in professional services delivery cost , as well as an increase in salaries and benefits cost as a result of our increased headcount , partially offset by an increase in sales of our higher-margin software products . the $ 8.9 million increase in scores segment operating income was attributable to a $ 20.5 million increase in segment revenues , partially offset by an $ 11.6 million increase in segment operating expenses . segment operating income as a percentage of segment revenues for scores decreased to 73 % from 76 % mainly due to a decrease in sales of our higher-margin software products , an increase in salaries and benefits cost as a result of our increased headcount , and a nonrecurring charge in third-party data cost . in addition , the margin was positively impacted by an increase in our higher-margin revenues generated from the experian agreement . the $ 10.5 million decrease in tools segment operating income ( loss ) was attributable to a $ 17.8 million increase in segment operating expenses , partially offset by a $ 7.3 million increase in segment revenues . segment operating income as a percentage of segment revenues for tools was a negative 6 % for fiscal 2015 compared to a positive 4 % for fiscal 2014 mainly due to an increase in the research and development efforts related to our cloud-based fico ® decision management platform and several new products in the tools segment , as well as an increase in professional services delivery cost , partially offset by an increase in sales of higher-margin software products . the $ 11.8 million decrease in unallocated corporate expenses was primarily attributable to a decrease in incentive cost , as well as a decrease in certain corporate charges including bad debt . the increase in operating income between fiscal 2014 and 2013 of $ 0.3 million was attributable to a $ 45.5 million increase in segment revenues and a $ 1.6 million decrease in amortization expense , partially offset by a $ 20.4 million increase in segment operating expenses , a $ 15.1 million increase in unallocated corporate expenses , a $ 10.5 million increase in share-based compensation expense and a $ 0.8 million increase in restructuring and acquisition-related expenses . at the segment level , the $ 10.0 million increase in segment operating income was driven by a $ 28.4 million increase in our applications segment and a $ 12.0 million increase in our scores segment , partially offset by a $ 15.1 million increase in unallocated corporate expenses and a $ 15.3 million decrease in our tools segment . the $ 28.4 million increase in applications segment operating income was attributable to a $ 28.2 million increase in segment revenues and a

cash flows from operating activities our primary method for funding operations and growth has been through cash flows generated from operating activities . net cash provided by operating activities totaled $ 133.0 million in fiscal 2015 compared to $ 175.0 million in fiscal 2014. the $ 42.0 million decrease was mainly attributable to a $ 27.6 million decrease caused by timing of receipts and payments in our ordinary course of business , a $ 15.2 million increase in payment associated with our accrued incentive from prior year and an $ 11.4 million increase in our income tax payments . net cash provided by operating activities totaled $ 175.0 million in fiscal 2014 compared to $ 136.1 million in fiscal 2013. the $ 38.9 million increase was mainly attributable to a $ 40.4 million increase caused by the timing of receipts and payments in our ordinary course of business , including a $ 29.2 million increase caused by timing of payment on accrued compensation and employee benefits . cash flows from investing activities net cash used in investing activities totaled $ 81.9 million in fiscal 2015 compared to $ 19.8 million in fiscal 2014. the $ 62.1 million increase was attributable to a $ 49.7 million increase in net cash used for acquisitions and a $ 12.4 million increase in net cash used for purchases of property and equipment . net cash used in investing activities totaled $ 19.8 million in fiscal 2014 compared to $ 35.0 million in fiscal 2013. the $ 15.2 million decrease was attributable to a $ 25.6 million decrease in net cash used for acquisitions and an $ 11.6 million decrease in net cash used for purchases of property and equipment , partially offset by a $ 22.0 million decrease in proceeds from maturities of marketable securities .


 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.
     ```cash flows from operating activities our primary method for funding operations and growth has been through cash flows generated from operating activities . net cash provided by operating activities totaled $ 133.0 million in fiscal 2015 compared to $ 175.0 million in fiscal 2014. the $ 42.0 million decrease was mainly attributable to a $ 27.6 million decrease caused by timing of receipts and payments in our ordinary course of business , a $ 15.2 million increase in payment associated with our accrued incentive from prior year and an $ 11.4 million increase in our income tax payments . net cash provided by operating activities totaled $ 175.0 million in fiscal 2014 compared to $ 136.1 million in fiscal 2013. the $ 38.9 million increase was mainly attributable to a $ 40.4 million increase caused by the timing of receipts and payments in our ordinary course of business , including a $ 29.2 million increase caused by timing of payment on accrued compensation and employee benefits . cash flows from investing activities net cash used in investing activities totaled $ 81.9 million in fiscal 2015 compared to $ 19.8 million in fiscal 2014. the $ 62.1 million increase was attributable to a $ 49.7 million increase in net cash used for acquisitions and a $ 12.4 million increase in net cash used for purchases of property and equipment . net cash used in investing activities totaled $ 19.8 million in fiscal 2014 compared to $ 35.0 million in fiscal 2013. the $ 15.2 million decrease was attributable to a $ 25.6 million decrease in net cash used for acquisitions and an $ 11.6 million decrease in net cash used for purchases of property and equipment , partially offset by a $ 22.0 million decrease in proceeds from maturities of marketable securities .
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 Suspicious Activity Report : a significant portion of our revenues are derived from the sale of products and services within the banking ( including consumer credit ) industry , and 69 % and 74 % of our revenues were derived from within this industry during fiscal 2015 and 2014 , respectively . in addition , we derive a significant share of revenue from transactional or unit-based software license fees , transactional fees derived under scoring , network service or internal hosted software arrangements , annual software maintenance fees and annual license fees under long-term software license arrangements . arrangements with transactional or unit-based pricing accounted for 67 % of our revenues during fiscal 2015 and 2014 . revenue fluctuations in our business are primarily driven by changes in the transactional volume and license fees . 27 operating income for fiscal 2015 was $ 137.5 million , a decrease of 15 % from $ 161.9 million in fiscal 2014 . operating margin decreased to 16 % from 21 % . the margin decrease was primarily attributable to an increase in our restructuring cost related to the write-down of facilities , our continued investment in the areas of cloud computing and saas , and an increase in our professional services delivery cost , partially offset by a higher percentage of revenues derived from our higher-margin products including revenues generated from our experian agreement . net income decreased 9 % to $ 86.5 million in fiscal 2015 from $ 94.9 million in fiscal 2014 primarily due to the decrease in operating margin , partially offset by lower income tax expense , largely driven by a favorable tax adjustment in fiscal 2015. diluted earnings per share for fiscal 2015 was $ 2.65 , a decrease of 3 % from $ 2.72 in fiscal 2014 . bookings management regards the volume of bookings achieved as an important indicator of future revenues , but they are not comparable to nor a substitute for an analysis of our revenues . bookings represent contracts signed in the current reporting period that generate current and future revenue streams . we estimate bookings as of the end of the period in which a contract is signed and initial booking estimates are not updated in future periods for changes between estimated and actual results . our calculations have varying degrees of certainty depending on the revenue type and individual contract terms . they are subject to a number of risks and uncertainties concerning timing and contingencies affecting product delivery and performance , and estimates consider contract terms , knowledge of the marketplace and experience with our customers , among other factors . actual revenue and the timing thereof could differ materially from our initial estimates . although many of our contracts contain non-cancelable terms , most of our bookings are transactional or service related that are dependent upon estimates such as volume of transactions , number of active accounts , or number of hours incurred . since these estimates can not be considered fixed or firm , we do not believe it is appropriate to characterize bookings as backlog . the following paragraphs discuss the key assumptions used to calculate bookings and the susceptibility of these assumptions to variability for each revenue type . transactional and maintenance bookings we calculate transactional bookings as the total estimated volume of transactions or number of accounts under contract , multiplied by the contractual rate . transactional contracts generally span multiple years and require estimates of future transaction volumes or number of active accounts . we develop estimates from discussions with our customers and examinations of historical data from similar products and customer arrangements . differences between estimated bookings and actual results occur due to variability in the volume of transactions or number of active accounts estimated . this variability is primarily caused by the economic trends in our customers ' industries ; individual performance of our customers relative to their competitors ; and regulatory and other factors that affect the business environment in which our customers operate . we calculate maintenance bookings directly from the terms stated in the contract . professional services bookings we calculate professional services bookings as the estimated number of hours to complete a project multiplied by the rate per hour . we estimate the number of hours based on our understanding of the project scope , conversations with customer personnel and our experience in estimating professional services projects . estimated bookings may differ from actual results primarily due to differences in the actual number of hours incurred . license bookings licenses are sold on a perpetual or term basis and bookings generally equal the fixed amount stated in the contract . 28 bookings trend analysis replace_table_token_4_th ( 1 ) bookings yield represents the percentage of revenue recognized from bookings for the periods indicated . ( 2 ) weighted-average term of bookings measures the average term over which bookings are expected to be recognized as revenue . ( a ) nm - measure is not meaningful as our estimate of bookings is as of the end of the period in which a contract is signed , and we do not update our initial booking estimates in future periods for changes between estimated and actual results . transactional and maintenance bookings were 31 % and 29 % of total bookings for the years ended september 30 , 2015 and 2014 , respectively . professional services bookings were 47 % of total bookings for the years ended september 30 , 2015 and 2014 . license bookings were 22 % and 24 % of total bookings for the years ended september 30 , 2015 and 2014 , respectively . results of operations we are organized into the following three reportable segments : applications , scores and tools . story_separator_special_tag the decrease in our effective tax rate in fiscal 2015 compared to fiscal 2014 was due primarily to the favorable settlement of the fiscal 2006 - 2009 state audits and the favorable settlement of the 2010 foreign transfer pricing assessment , as well as the december 2014 reenactment of the calendar 2014 u.s. federal research and development credit , which resulted in a catch up adjustment for the r & d credit during fiscal 2015. the decrease in our effective tax rate in fiscal 2014 compared to fiscal 2013 was due primarily to the favorable settlement of the fiscal 2010 - 2012 federal irs audits and secondarily to a higher percentage of revenue in lower taxing jurisdictions . as of september 30 , 2015 we have reported $ 52.8 million of unremitted earnings of the international subsidiaries in our consolidated income . u.s. income taxes have not been provided on undistributed earnings of international subsidiaries . it is our intention to reinvest these earnings permanently or to repatriate the earnings only when it is tax efficient to do so . the amount of the unrecognized deferred tax liability depends on judgment required to analyze the withholding tax due , the applicable tax law and related tax treaties , and factual circumstances in effect at the time of any such distribution , therefore , we believe it is not practicable at this time to reliably determine the amount of the unrecognized deferred tax liability related to our undistributed earnings . if circumstances change and it becomes apparent that some or all of the undistributed earnings of a subsidiary will be remitted in the next twelve months and income taxes have not been recognized by the parent entity , the parent entity shall accrue as an expense of the current period income taxes attributable to that remittance . 35 operating income the following tables set forth certain summary information on a segment basis related to our operating income for the fiscal 2015 , 2014 and 2013 : replace_table_token_13_th applications replace_table_token_14_th scores replace_table_token_15_th tools replace_table_token_16_th 36 the decrease in operating income between fiscal 2015 and 2014 of $ 24.4 million was attributable to a $ 61.3 million increase in segment operating expenses , a $ 14.0 million increase in restructuring and acquisition-related expenses , an $ 8.9 million increase in share-based compensation expense and a $ 1.8 million increase in amortization expense , partially offset by a $ 49.8 million increase in segment revenues and an $ 11.8 million decrease in unallocated corporate expenses . at the segment level , the $ 0.3 million increase in segment operating income was driven by an $ 11.8 million decrease in unallocated corporate expenses and an $ 8.9 million increase in our scores segment , partially offset by a $ 10.5 million decrease in our tools segment and a $ 9.9 million decrease in our applications segment . the $ 9.9 million decrease in applications segment operating income was attributable to a $ 31.9 million increase in segment operating expenses , partially offset by a $ 22.0 million increase in segment revenues . segment operating income as a percentage of segment revenues for applications decreased to 30 % from 34 % primarily due to an increase in professional services delivery cost , as well as an increase in salaries and benefits cost as a result of our increased headcount , partially offset by an increase in sales of our higher-margin software products . the $ 8.9 million increase in scores segment operating income was attributable to a $ 20.5 million increase in segment revenues , partially offset by an $ 11.6 million increase in segment operating expenses . segment operating income as a percentage of segment revenues for scores decreased to 73 % from 76 % mainly due to a decrease in sales of our higher-margin software products , an increase in salaries and benefits cost as a result of our increased headcount , and a nonrecurring charge in third-party data cost . in addition , the margin was positively impacted by an increase in our higher-margin revenues generated from the experian agreement . the $ 10.5 million decrease in tools segment operating income ( loss ) was attributable to a $ 17.8 million increase in segment operating expenses , partially offset by a $ 7.3 million increase in segment revenues . segment operating income as a percentage of segment revenues for tools was a negative 6 % for fiscal 2015 compared to a positive 4 % for fiscal 2014 mainly due to an increase in the research and development efforts related to our cloud-based fico ® decision management platform and several new products in the tools segment , as well as an increase in professional services delivery cost , partially offset by an increase in sales of higher-margin software products . the $ 11.8 million decrease in unallocated corporate expenses was primarily attributable to a decrease in incentive cost , as well as a decrease in certain corporate charges including bad debt . the increase in operating income between fiscal 2014 and 2013 of $ 0.3 million was attributable to a $ 45.5 million increase in segment revenues and a $ 1.6 million decrease in amortization expense , partially offset by a $ 20.4 million increase in segment operating expenses , a $ 15.1 million increase in unallocated corporate expenses , a $ 10.5 million increase in share-based compensation expense and a $ 0.8 million increase in restructuring and acquisition-related expenses . at the segment level , the $ 10.0 million increase in segment operating income was driven by a $ 28.4 million increase in our applications segment and a $ 12.0 million increase in our scores segment , partially offset by a $ 15.1 million increase in unallocated corporate expenses and a $ 15.3 million decrease in our tools segment . the $ 28.4 million increase in applications segment operating income was attributable to a $ 28.2 million increase in segment revenues and a

