during 2015 , we will continue our focus in these areas , with an emphasis on profitable revenue growth , increasing revenue from our marketing solutions and other services offerings for small businesses and financial institutions , and assessing small to medium-sized acquisitions that complement our large customer bases , with a focus on marketing solutions and other services . earnings for 2014 , as compared to 2013 , benefited from price increases in all three segments and continuing initiatives to reduce our cost structure , primarily within our sales and marketing , fulfillment and information technology organizations . these increases in earnings were partially offset by volume reductions for our personal check businesses due primarily to the continuing decline in check usage , as well as increased investments in revenue growth opportunities , including product and service enhancements . our strategies a discussion of our business strategies can be found under the caption `` business segments `` appearing in item 1 of this report . cost reduction initiatives for several years we have been pursuing cost reduction and business simplification initiatives , including : reducing shared services infrastructure costs ; streamlining our call center and fulfillment activities ; eliminating system and work stream 24 redundancies ; and strengthening our ability to quickly develop new products and services and bring them to market . we have reduced stock-keeping units ( skus ) , standardized products and services and improved the sourcing of third-party goods and services . as a result of all of these efforts , we realized net cost savings of approximately $ 60 million during 2014 , as compared to our 2013 results of operations , generated primarily by our sales and marketing , fulfillment , and information technology organizations . approximately 70 % of these savings impacted selling , general and administrative ( sg & a ) expense , with the remaining 30 % affecting cost of revenue . we anticipate that we will realize additional net cost reductions of approximately $ 50 million in 2015 , as compared to our 2014 results of operations , which will be generated primarily by our sales , marketing and fulfillment organizations . approximately , 60 % of these savings are expected to impact sg & a expense , with the remaining 40 % affecting cost of revenue . outlook for 2015 we anticipate that consolidated revenue will be between $ 1.74 billion and $ 1.78 billion for 2015 , compared to $ 1.67 billion for 2014 . in small business services , we expect revenue to increase between 4 % and 6 % compared to 2014 revenue of $ 1.13 billion , as volume declines in core business products are expected to be more than offset by benefits from our e-commerce investments , price increases and growth in our distributor , dealer and major accounts channels and in our marketing solutions and other services offerings . in financial services , we expect revenue to increase between 12 % and 15 % compared to 2014 revenue of $ 368.4 million . we expect that year-over-year secular check order declines of approximately 6 % , as well as expected contract renewal allowances , will be more than offset by continued growth in marketing solutions and other services , including incremental revenue from the acquisition of wausau financial systems , inc. ( wfs ) in october 2014. additionally , we expect financial services revenue to benefit from higher revenue per order and a full year of revenue from a new large financial institution client acquired in the fourth quarter of 2014. in direct checks , we expect revenue to decline between 9 % and 10 % compared to 2014 revenue of $ 176.4 million , driven primarily by secular check order volume declines resulting from reduced check usage , as well as the elimination of marketing investments that no longer meet our return criteria . we expect that 2015 diluted earnings per share will be between $ 4.23 and $ 4.43 , including a charge of $ 0.12 per share for a loss on early debt extinguishment . in january 2015 , we announced our intention to redeem all $ 200.0 million of our 7.0 % senior notes due in march 2019 . we plan to redeem the notes on march 16 , 2015 , and the redemption will generate a loss on early debt extinguishment during the first quarter of 2015 due to a contractual call premium and related fees . the redemption will be financed primarily with our existing credit facility and the issuance of a short-term bank loan . diluted earnings per share for 2014 was $ 3.96 , which included total charges of $ 0.24 per share related to restructuring-related costs , asset impairment charges and transaction costs related to acquisitions . we expect that the benefits of additional cost reduction activities and lower interest expense will be partially offset by a continued sluggish economy , increases in medical expenses , material costs and delivery rates , as well as continued investments in revenue growth opportunities , including brand awareness , marketing solutions and other services offers , and enhanced e-commerce capabilities . we estimate that our annual effective tax rate for 2015 will be approximately 33.5 % , compared to 32.8 % for 2014 . a number of discrete credits to income tax expense in 2014 collectively reduced our 2014 tax rate by 0.9 points . we anticipate that net cash provided by operating activities will be between $ 290 million and $ 305 million in 2015 , compared to $ 280 million in 2014 , driven by higher earnings and lower interest payments , partially offset by higher income tax , medical and performance-based compensation payments . story_separator_special_tag the increase in total revenue for 2013 , as compared to 2012 , was primarily due to price increases in all three segments and growth of $ 57 million in marketing solutions and other services revenue , including incremental revenue of $ 28 million from businesses acquired during 2013 and 2012 , as well as growth in our small business services distributor channel of approximately $ 30 million . these revenue increases were partially offset by lower order volume for our personal check businesses and contract renewal allowances within financial services . 28 service revenue represented 15.7 % of total revenue in 2014 , 13.6 % in 2013 and 11.2 % in 2012 . as such , the majority of our revenue is generated by product sales . we do not manage our business based on product versus service revenue . instead we analyze our products and services based on the following categories : replace_table_token_6_th the number of orders increased slightly in 2014 , as compared to 2013 , due primarily to growth in the small business services distributor channel and in marketing solutions and other services , including the impact of acquisitions , partially offset by the continuing decline in check and forms usage . the number of orders decreased in 2013 , as compared to 2012 , as the impact of the continuing decline in check and forms usage exceeded the growth in the small business services distributor channel and in marketing solutions and other services , including the impact of acquisitions . revenue per order increased in each of the past two years primarily due to the benefit of price increases in all three segments , as well as a continued shift from personal check orders to higher dollar small business services orders , partially offset by financial services contract renewal allowances . consolidated cost of revenue replace_table_token_7_th cost of revenue consists primarily of raw materials used to manufacture our products , shipping and handling costs , third-party production costs for outsourced products , payroll and related expenses for fulfillment personnel , information technology costs , depreciation and amortization of assets used in the production process and in support of digital service offerings , and relevant overhead . the increase in total cost of revenue for 2014 , as compared to 2013 , was attributable to the growth in volume , most notably in our small business services distributor channel , which contributed a $ 40 million increase in outsourced product costs in 2014 , while the businesses we acquired in 2014 and 2013 incurred incremental costs of approximately $ 14 million . in addition , delivery rates and material costs increased in 2014. partially offsetting these increases in total cost of revenue were manufacturing and delivery efficiencies and other benefits resulting from our continued cost reduction initiatives of approximately $ 18 million . the increase in total cost of revenue for 2013 , as compared to 2012 , was attributable to the growth in volume , most notably in our small business services distributor channel , which contributed a $ 25 million increase in outsourced product costs in 2013 , while the businesses we acquired in 2013 and 2012 incurred incremental costs of approximately $ 11 million . in addition , delivery rates and material costs increased in 2013. partially offsetting these increases in total cost of revenue were manufacturing and delivery efficiencies and other benefits resulting from our continued cost reduction initiatives of approximately $ 15 million . consolidated selling , general & administrative expense replace_table_token_8_th the increase in sg & a expense for 2014 , as compared to 2013 , was driven primarily by incremental operating expenses of the businesses we acquired in 2014 and 2013 of approximately $ 42 million and investments in revenue growth opportunities , including efforts to grow our small business services distributor channel . in addition , performance-based compensation expense increased approximately $ 6 million as compared to 2013 and small business services commission expense increased $ 6 million due primarily to increased financial institution commission rates . these increases were partially offset by various 29 expense reduction initiatives of approximately $ 42 million within sales , marketing and our shared services organizations , including improved labor efficiency and reduced expenses for information technology infrastructure . the increase in sg & a expense for 2013 , as compared to 2012 , was driven primarily by incremental operating expenses of the businesses we acquired in 2013 and 2012 of approximately $ 20 million , increased small business services commission expense of $ 10 million due primarily to increased volume , and investments in revenue growth opportunities , including efforts to grow our small business services distributor channel , brand awareness advertising , marketing solutions and other services offers , and enhanced internet capabilities . these increases were partially offset by various expense reduction initiatives totaling approximately $ 40 million within sales , marketing and our shared services organizations , including improved labor and advertising efficiency , as well as a decrease in performance-based compensation of approximately $ 7 million and a decrease in medical expense of approximately $ 6 million . net restructuring charges replace_table_token_9_th we recorded restructuring charges and reversals related to the cost reduction initiatives discussed under executive overview . the charges and reversals for each period primarily relate to costs of our restructuring activities such as employee severance benefits and other direct costs of our initiatives , including information technology costs , employee and equipment moves , training and travel . in addition to the restructuring charges shown here , restructuring charges of $ 0.9 million in 2014 , $ 1.5 million in 2013 and $ 2.8 million in 2012 were included within total cost of revenue in our consolidated statements of income . further information can be found under restructuring costs . asset impairment charges replace_table_token_10_th during the third quarter of 2014 , we performed an impairment analysis related to our small business services search engine

capital resources our total debt was $ 554.3 million as of december 31 , 2014 , a decrease of $ 86.4 million from december 31 , 2013 . we have entered into interest rate swaps to hedge against changes in the fair value of a portion of our long-term debt . as of december 31 , 2014 , interest rate swaps with a notional amount of $ 200.0 million were designated as fair value hedges . the carrying amount of long-term debt as of december 31 , 2014 included an $ 8.1 million decrease related to adjusting the hedged debt for changes in its fair value . as of december 31 , 2013 , this fair value adjustment was a decrease of $ 14.7 million . further information concerning the interest rate swaps and our outstanding debt can be found under the captions “ note 6 : derivative financial instruments ” and “ note 13 : debt and lease obligations ” of the notes to consolidated financial statements appearing in item 8 of this report . information regarding our debt service obligations can be found under off-balance sheet arrangements , guarantees and contractual obligations . our capital structure for each period was as follows : replace_table_token_21_th we have an outstanding authorization from our board of directors to purchase up to 10 million shares of our common stock . this authorization has no expiration date , and 2.0 million shares remained available for purchase under this authorization as of december 31 , 2014 . during 2014 , we purchased 1.1 million shares for $ 60.1 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.
     ```capital resources our total debt was $ 554.3 million as of december 31 , 2014 , a decrease of $ 86.4 million from december 31 , 2013 . we have entered into interest rate swaps to hedge against changes in the fair value of a portion of our long-term debt . as of december 31 , 2014 , interest rate swaps with a notional amount of $ 200.0 million were designated as fair value hedges . the carrying amount of long-term debt as of december 31 , 2014 included an $ 8.1 million decrease related to adjusting the hedged debt for changes in its fair value . as of december 31 , 2013 , this fair value adjustment was a decrease of $ 14.7 million . further information concerning the interest rate swaps and our outstanding debt can be found under the captions “ note 6 : derivative financial instruments ” and “ note 13 : debt and lease obligations ” of the notes to consolidated financial statements appearing in item 8 of this report . information regarding our debt service obligations can be found under off-balance sheet arrangements , guarantees and contractual obligations . our capital structure for each period was as follows : replace_table_token_21_th we have an outstanding authorization from our board of directors to purchase up to 10 million shares of our common stock . this authorization has no expiration date , and 2.0 million shares remained available for purchase under this authorization as of december 31 , 2014 . during 2014 , we purchased 1.1 million shares for $ 60.1 million .
```    
 Suspicious Activity Report : during 2015 , we will continue our focus in these areas , with an emphasis on profitable revenue growth , increasing revenue from our marketing solutions and other services offerings for small businesses and financial institutions , and assessing small to medium-sized acquisitions that complement our large customer bases , with a focus on marketing solutions and other services . earnings for 2014 , as compared to 2013 , benefited from price increases in all three segments and continuing initiatives to reduce our cost structure , primarily within our sales and marketing , fulfillment and information technology organizations . these increases in earnings were partially offset by volume reductions for our personal check businesses due primarily to the continuing decline in check usage , as well as increased investments in revenue growth opportunities , including product and service enhancements . our strategies a discussion of our business strategies can be found under the caption `` business segments `` appearing in item 1 of this report . cost reduction initiatives for several years we have been pursuing cost reduction and business simplification initiatives , including : reducing shared services infrastructure costs ; streamlining our call center and fulfillment activities ; eliminating system and work stream 24 redundancies ; and strengthening our ability to quickly develop new products and services and bring them to market . we have reduced stock-keeping units ( skus ) , standardized products and services and improved the sourcing of third-party goods and services . as a result of all of these efforts , we realized net cost savings of approximately $ 60 million during 2014 , as compared to our 2013 results of operations , generated primarily by our sales and marketing , fulfillment , and information technology organizations . approximately 70 % of these savings impacted selling , general and administrative ( sg & a ) expense , with the remaining 30 % affecting cost of revenue . we anticipate that we will realize additional net cost reductions of approximately $ 50 million in 2015 , as compared to our 2014 results of operations , which will be generated primarily by our sales , marketing and fulfillment organizations . approximately , 60 % of these savings are expected to impact sg & a expense , with the remaining 40 % affecting cost of revenue . outlook for 2015 we anticipate that consolidated revenue will be between $ 1.74 billion and $ 1.78 billion for 2015 , compared to $ 1.67 billion for 2014 . in small business services , we expect revenue to increase between 4 % and 6 % compared to 2014 revenue of $ 1.13 billion , as volume declines in core business products are expected to be more than offset by benefits from our e-commerce investments , price increases and growth in our distributor , dealer and major accounts channels and in our marketing solutions and other services offerings . in financial services , we expect revenue to increase between 12 % and 15 % compared to 2014 revenue of $ 368.4 million . we expect that year-over-year secular check order declines of approximately 6 % , as well as expected contract renewal allowances , will be more than offset by continued growth in marketing solutions and other services , including incremental revenue from the acquisition of wausau financial systems , inc. ( wfs ) in october 2014. additionally , we expect financial services revenue to benefit from higher revenue per order and a full year of revenue from a new large financial institution client acquired in the fourth quarter of 2014. in direct checks , we expect revenue to decline between 9 % and 10 % compared to 2014 revenue of $ 176.4 million , driven primarily by secular check order volume declines resulting from reduced check usage , as well as the elimination of marketing investments that no longer meet our return criteria . we expect that 2015 diluted earnings per share will be between $ 4.23 and $ 4.43 , including a charge of $ 0.12 per share for a loss on early debt extinguishment . in january 2015 , we announced our intention to redeem all $ 200.0 million of our 7.0 % senior notes due in march 2019 . we plan to redeem the notes on march 16 , 2015 , and the redemption will generate a loss on early debt extinguishment during the first quarter of 2015 due to a contractual call premium and related fees . the redemption will be financed primarily with our existing credit facility and the issuance of a short-term bank loan . diluted earnings per share for 2014 was $ 3.96 , which included total charges of $ 0.24 per share related to restructuring-related costs , asset impairment charges and transaction costs related to acquisitions . we expect that the benefits of additional cost reduction activities and lower interest expense will be partially offset by a continued sluggish economy , increases in medical expenses , material costs and delivery rates , as well as continued investments in revenue growth opportunities , including brand awareness , marketing solutions and other services offers , and enhanced e-commerce capabilities . we estimate that our annual effective tax rate for 2015 will be approximately 33.5 % , compared to 32.8 % for 2014 . a number of discrete credits to income tax expense in 2014 collectively reduced our 2014 tax rate by 0.9 points . we anticipate that net cash provided by operating activities will be between $ 290 million and $ 305 million in 2015 , compared to $ 280 million in 2014 , driven by higher earnings and lower interest payments , partially offset by higher income tax , medical and performance-based compensation payments . story_separator_special_tag the increase in total revenue for 2013 , as compared to 2012 , was primarily due to price increases in all three segments and growth of $ 57 million in marketing solutions and other services revenue , including incremental revenue of $ 28 million from businesses acquired during 2013 and 2012 , as well as growth in our small business services distributor channel of approximately $ 30 million . these revenue increases were partially offset by lower order volume for our personal check businesses and contract renewal allowances within financial services . 28 service revenue represented 15.7 % of total revenue in 2014 , 13.6 % in 2013 and 11.2 % in 2012 . as such , the majority of our revenue is generated by product sales . we do not manage our business based on product versus service revenue . instead we analyze our products and services based on the following categories : replace_table_token_6_th the number of orders increased slightly in 2014 , as compared to 2013 , due primarily to growth in the small business services distributor channel and in marketing solutions and other services , including the impact of acquisitions , partially offset by the continuing decline in check and forms usage . the number of orders decreased in 2013 , as compared to 2012 , as the impact of the continuing decline in check and forms usage exceeded the growth in the small business services distributor channel and in marketing solutions and other services , including the impact of acquisitions . revenue per order increased in each of the past two years primarily due to the benefit of price increases in all three segments , as well as a continued shift from personal check orders to higher dollar small business services orders , partially offset by financial services contract renewal allowances . consolidated cost of revenue replace_table_token_7_th cost of revenue consists primarily of raw materials used to manufacture our products , shipping and handling costs , third-party production costs for outsourced products , payroll and related expenses for fulfillment personnel , information technology costs , depreciation and amortization of assets used in the production process and in support of digital service offerings , and relevant overhead . the increase in total cost of revenue for 2014 , as compared to 2013 , was attributable to the growth in volume , most notably in our small business services distributor channel , which contributed a $ 40 million increase in outsourced product costs in 2014 , while the businesses we acquired in 2014 and 2013 incurred incremental costs of approximately $ 14 million . in addition , delivery rates and material costs increased in 2014. partially offsetting these increases in total cost of revenue were manufacturing and delivery efficiencies and other benefits resulting from our continued cost reduction initiatives of approximately $ 18 million . the increase in total cost of revenue for 2013 , as compared to 2012 , was attributable to the growth in volume , most notably in our small business services distributor channel , which contributed a $ 25 million increase in outsourced product costs in 2013 , while the businesses we acquired in 2013 and 2012 incurred incremental costs of approximately $ 11 million . in addition , delivery rates and material costs increased in 2013. partially offsetting these increases in total cost of revenue were manufacturing and delivery efficiencies and other benefits resulting from our continued cost reduction initiatives of approximately $ 15 million . consolidated selling , general & administrative expense replace_table_token_8_th the increase in sg & a expense for 2014 , as compared to 2013 , was driven primarily by incremental operating expenses of the businesses we acquired in 2014 and 2013 of approximately $ 42 million and investments in revenue growth opportunities , including efforts to grow our small business services distributor channel . in addition , performance-based compensation expense increased approximately $ 6 million as compared to 2013 and small business services commission expense increased $ 6 million due primarily to increased financial institution commission rates . these increases were partially offset by various 29 expense reduction initiatives of approximately $ 42 million within sales , marketing and our shared services organizations , including improved labor efficiency and reduced expenses for information technology infrastructure . the increase in sg & a expense for 2013 , as compared to 2012 , was driven primarily by incremental operating expenses of the businesses we acquired in 2013 and 2012 of approximately $ 20 million , increased small business services commission expense of $ 10 million due primarily to increased volume , and investments in revenue growth opportunities , including efforts to grow our small business services distributor channel , brand awareness advertising , marketing solutions and other services offers , and enhanced internet capabilities . these increases were partially offset by various expense reduction initiatives totaling approximately $ 40 million within sales , marketing and our shared services organizations , including improved labor and advertising efficiency , as well as a decrease in performance-based compensation of approximately $ 7 million and a decrease in medical expense of approximately $ 6 million . net restructuring charges replace_table_token_9_th we recorded restructuring charges and reversals related to the cost reduction initiatives discussed under executive overview . the charges and reversals for each period primarily relate to costs of our restructuring activities such as employee severance benefits and other direct costs of our initiatives , including information technology costs , employee and equipment moves , training and travel . in addition to the restructuring charges shown here , restructuring charges of $ 0.9 million in 2014 , $ 1.5 million in 2013 and $ 2.8 million in 2012 were included within total cost of revenue in our consolidated statements of income . further information can be found under restructuring costs . asset impairment charges replace_table_token_10_th during the third quarter of 2014 , we performed an impairment analysis related to our small business services search engine

