28 we derive a significant portion of revenues internationally , and 34 % and 36 % of total consolidated revenues were derived from clients outside the u.s. during fiscal 2018 and 2017 , respectively . a significant portion of our revenues are derived from the sale of products and services within the banking ( including consumer credit ) industry , and 86 % and 74 % of our revenues were derived from within this industry during fiscal 2018 and 2017 , respectively . in addition , we derive a significant share of revenues from transactional or unit-based software license fees , transactional fees derived under credit scoring , data processing , data management and saas subscription services arrangements , and annual software maintenance fees . arrangements with transactional or unit-based pricing accounted for 74 % and 70 % of our revenues during fiscal 2018 and 2017 , respectively . revenue fluctuations in our business are primarily driven by changes in the transactional volume and license fees . operating income for fiscal 2018 was $ 206.4 million , an increase of 16 % from $ 177.2 million in fiscal 2017 . operating margin was 20 % and 19 % for fiscal 2018 and 2017 , respectively . net income increased 11 % to $ 142.4 million in fiscal 2018 from $ 128.3 million in fiscal 2017 primarily due to an increase in operating income , partially offset by the income tax expense related to enactment of the tax cuts and jobs act . diluted earnings per share for fiscal 2018 was $ 4.57 , an increase of 15 % from $ 3.98 in fiscal 2017 . 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 depend 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 . 29 bookings trend analysis replace_table_token_3_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 46 % and 41 % of total bookings for the years ended september 30 , 2018 and 2017 , respectively . professional services bookings were 43 % and 43 % of total bookings for the years ended september 30 , 2018 and 2017 , respectively . license bookings were 11 % and 16 % of total bookings for the years ended september 30 , 2018 and 2017 , respectively . results of operations we are organized into the following three reportable segments : applications , scores and decision management software . although we sell solutions and services into a large number of end user product and industry markets , our reportable business segments reflect the primary method in which management organizes and evaluates internal financial information to make operating decisions and assess performance . story_separator_special_tag segment operating margin for decision management software decreased to a negative 29 % from a negative 10 % mainly due to a decrease in sales of our higher-margin software products , as well as our continued investment in cloud infrastructure operations and new products . the fiscal 2017 over 2016 increase in operating income of $ 7.6 million was attributable to a $ 50.8 million increase in segment revenues , a $ 5.6 million decrease in unallocated corporate expenses and a $ 1.3 million decrease in amortization expense , partially offset by a $ 39.9 million increase in segment operating expenses , a $ 5.7 million increase in share-based compensation expense and a $ 4.5 million increase in restructuring and acquisition-related expenses . 37 at the segment level , the $ 16.5 million increase in segment operating income was the result of a $ 26.8 million increase in our scores segment operating income and a $ 5.6 million decrease in unallocated corporate expenses , partially offset by an $ 8.8 million decrease in our applications segment operating income and a $ 7.1 million increase in our decision management software segment operating loss . the $ 8.8 million decrease in applications segment operating income was attributable to a $ 29.3 million increase in segment operating expenses , partially offset by a $ 20.5 million increase in segment revenue . segment operating income as a percentage of segment revenue for applications decreased to 29 % from 32 % primarily due to a decrease in sales of our higher-margin software products and an increase in professional services delivery cost . the $ 26.8 million increase in scores segment operating income was attributable to a $ 25.3 million increase in segment revenue and a $ 1.5 million decrease in segment operating expenses . segment operating income as a percentage of segment revenue for scores increased to 80 % from 77 % mainly due to an increase in sales of our higher-margin score products . the $ 7.1 million increase in decision management software segment operating loss was attributable to a $ 12.1 million increase in segment operating expenses , partially offset by a $ 5.0 million increase in segment revenue . segment operating margin for decision management software decreased to a negative 10 % from a negative 3 % mainly due to a decrease in sales of our higher-margin software products , our continued investment in sales distribution , and expanded investment in cloud infrastructure operations . capital resources and liquidity outlook as of september 30 , 2018 , we had $ 90.0 million in cash and cash equivalents , which included $ 75.9 million held off-shore by our foreign subsidiaries . we believe these balances , as well as available borrowings from our $ 400 million revolving line of credit and anticipated cash flows from operating activities , will be sufficient to fund our working and other capital requirements as well as the $ 28.0 million principal payment due in july 2019 on our senior notes issued in july 2010. under our current financing arrangements , we have no other significant debt obligations maturing over the next twelve months . additionally , though we do not anticipate the need to repatriate any undistributed earnings from our foreign subsidiaries for the foreseeable future , we may take advantage of opportunities where we are able to repatriate these earnings to the u.s. without material incremental tax provision . in the normal course of business , we evaluate the merits of acquiring technology or businesses , or establishing strategic relationships with or investing in these businesses . we may elect to use available cash and cash equivalents to fund such activities in the future . in the event additional needs for cash arise , or if we refinance our existing debt , we may raise additional funds from a combination of sources , including the potential issuance of debt or equity securities . additional financing might not be available on terms favorable to us , or at all . if adequate funds were not available or were not available on acceptable terms , our ability to take advantage of unanticipated opportunities or respond to competitive pressures could be limited . summary of cash flows replace_table_token_15_th story_separator_special_tag style= `` line-height:120 % ; font-size:10pt ; `` > 39 senior notes on may 7 , 2008 , we issued $ 275 million of senior notes in a private placement to a group of institutional investors , the outstanding aggregate principal amount of which was paid in full at maturity on may 7 , 2018. on july 14 , 2010 , we issued $ 245 million of senior notes in a private placement to a group of institutional investors ( the “ 2010 senior notes ” ) . the 2010 senior notes were issued in four series with maturities ranging from 6 to 10 years . the outstanding 2010 senior notes ' weighted average interest rate is 5.6 % and the weighted average maturity is 9.8 years . the 2010 senior notes require interest payments semi-annually and contain certain restrictive covenants , including the maintenance of a maximum consolidated net debt to consolidated ebitda ratio of 3.00 and a minimum fixed charge coverage ratio of 2.50. on may 8 , 2018 , we issued $ 400 million of senior notes in a private offering to qualified institutional investors ( the “ 2018 senior notes ” , and with the 2010 senior notes , the “ senior notes ” ) . the 2018 senior notes require interest payments semi-annually at a rate of 5.25 % per annum and will mature on may 15 , 2026. the purchase agreement for the 2010 senior notes and the indenture for the 2018 senior notes contain certain covenants typical of unsecured obligations . as of september 30 , 2018 , the carrying value of the senior notes was $ 513.0 million and we were in compliance with all financial covenants under the purchase agreement and

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 $ 223.1 million in fiscal 2018 compared to $ 225.6 million in fiscal 2017. the $ 2.5 million decrease was mainly attributable to a $ 43.8 million decrease that resulted from timing of receipts and payments in our ordinary course of business , partially offset by a $ 26.9 million increase in non-cash items , including a $ 31.8 million increase in non-cash deferred income taxes and $ 10 million non-operating gain related to the divestiture of a cost-method investment ; as well a $ 14.2 increase in net income . 38 net cash provided by operating activities totaled $ 225.6 million in fiscal 2017 compared to $ 210.3 million in fiscal 2016. the $ 15.3 million increase was mainly attributable to a $ 20.0 million decrease in our deferred income tax provision and an $ 18.8 million increase in net income , partially offset by a $ 24.2 million excess tax benefit related to share-based payments that was recorded as an increase to additional paid-in capital in the prior year but was recorded as a reduction of income tax expense in the current year as a result of our early adoption of asu 2016-09 effective october 1 , 2016. cash flows from investing activities net cash used in investing activities totaled $ 14.1 million in fiscal 2018 compared to $ 20.6 million in fiscal 2017. the $ 6.5 million decrease was primarily attributable to a $ 20.0 million increase in proceeds from the sale of cost method investment , partially offset by an $ 11.5 million increase in net cash used for purchases of property and equipment as well as a $ 2.8 million increase in purchases , net of proceeds from sale , 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 $ 223.1 million in fiscal 2018 compared to $ 225.6 million in fiscal 2017. the $ 2.5 million decrease was mainly attributable to a $ 43.8 million decrease that resulted from timing of receipts and payments in our ordinary course of business , partially offset by a $ 26.9 million increase in non-cash items , including a $ 31.8 million increase in non-cash deferred income taxes and $ 10 million non-operating gain related to the divestiture of a cost-method investment ; as well a $ 14.2 increase in net income . 38 net cash provided by operating activities totaled $ 225.6 million in fiscal 2017 compared to $ 210.3 million in fiscal 2016. the $ 15.3 million increase was mainly attributable to a $ 20.0 million decrease in our deferred income tax provision and an $ 18.8 million increase in net income , partially offset by a $ 24.2 million excess tax benefit related to share-based payments that was recorded as an increase to additional paid-in capital in the prior year but was recorded as a reduction of income tax expense in the current year as a result of our early adoption of asu 2016-09 effective october 1 , 2016. cash flows from investing activities net cash used in investing activities totaled $ 14.1 million in fiscal 2018 compared to $ 20.6 million in fiscal 2017. the $ 6.5 million decrease was primarily attributable to a $ 20.0 million increase in proceeds from the sale of cost method investment , partially offset by an $ 11.5 million increase in net cash used for purchases of property and equipment as well as a $ 2.8 million increase in purchases , net of proceeds from sale , of marketable securities .
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 Suspicious Activity Report : 28 we derive a significant portion of revenues internationally , and 34 % and 36 % of total consolidated revenues were derived from clients outside the u.s. during fiscal 2018 and 2017 , respectively . a significant portion of our revenues are derived from the sale of products and services within the banking ( including consumer credit ) industry , and 86 % and 74 % of our revenues were derived from within this industry during fiscal 2018 and 2017 , respectively . in addition , we derive a significant share of revenues from transactional or unit-based software license fees , transactional fees derived under credit scoring , data processing , data management and saas subscription services arrangements , and annual software maintenance fees . arrangements with transactional or unit-based pricing accounted for 74 % and 70 % of our revenues during fiscal 2018 and 2017 , respectively . revenue fluctuations in our business are primarily driven by changes in the transactional volume and license fees . operating income for fiscal 2018 was $ 206.4 million , an increase of 16 % from $ 177.2 million in fiscal 2017 . operating margin was 20 % and 19 % for fiscal 2018 and 2017 , respectively . net income increased 11 % to $ 142.4 million in fiscal 2018 from $ 128.3 million in fiscal 2017 primarily due to an increase in operating income , partially offset by the income tax expense related to enactment of the tax cuts and jobs act . diluted earnings per share for fiscal 2018 was $ 4.57 , an increase of 15 % from $ 3.98 in fiscal 2017 . 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 depend 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 . 29 bookings trend analysis replace_table_token_3_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 46 % and 41 % of total bookings for the years ended september 30 , 2018 and 2017 , respectively . professional services bookings were 43 % and 43 % of total bookings for the years ended september 30 , 2018 and 2017 , respectively . license bookings were 11 % and 16 % of total bookings for the years ended september 30 , 2018 and 2017 , respectively . results of operations we are organized into the following three reportable segments : applications , scores and decision management software . although we sell solutions and services into a large number of end user product and industry markets , our reportable business segments reflect the primary method in which management organizes and evaluates internal financial information to make operating decisions and assess performance . story_separator_special_tag segment operating margin for decision management software decreased to a negative 29 % from a negative 10 % mainly due to a decrease in sales of our higher-margin software products , as well as our continued investment in cloud infrastructure operations and new products . the fiscal 2017 over 2016 increase in operating income of $ 7.6 million was attributable to a $ 50.8 million increase in segment revenues , a $ 5.6 million decrease in unallocated corporate expenses and a $ 1.3 million decrease in amortization expense , partially offset by a $ 39.9 million increase in segment operating expenses , a $ 5.7 million increase in share-based compensation expense and a $ 4.5 million increase in restructuring and acquisition-related expenses . 37 at the segment level , the $ 16.5 million increase in segment operating income was the result of a $ 26.8 million increase in our scores segment operating income and a $ 5.6 million decrease in unallocated corporate expenses , partially offset by an $ 8.8 million decrease in our applications segment operating income and a $ 7.1 million increase in our decision management software segment operating loss . the $ 8.8 million decrease in applications segment operating income was attributable to a $ 29.3 million increase in segment operating expenses , partially offset by a $ 20.5 million increase in segment revenue . segment operating income as a percentage of segment revenue for applications decreased to 29 % from 32 % primarily due to a decrease in sales of our higher-margin software products and an increase in professional services delivery cost . the $ 26.8 million increase in scores segment operating income was attributable to a $ 25.3 million increase in segment revenue and a $ 1.5 million decrease in segment operating expenses . segment operating income as a percentage of segment revenue for scores increased to 80 % from 77 % mainly due to an increase in sales of our higher-margin score products . the $ 7.1 million increase in decision management software segment operating loss was attributable to a $ 12.1 million increase in segment operating expenses , partially offset by a $ 5.0 million increase in segment revenue . segment operating margin for decision management software decreased to a negative 10 % from a negative 3 % mainly due to a decrease in sales of our higher-margin software products , our continued investment in sales distribution , and expanded investment in cloud infrastructure operations . capital resources and liquidity outlook as of september 30 , 2018 , we had $ 90.0 million in cash and cash equivalents , which included $ 75.9 million held off-shore by our foreign subsidiaries . we believe these balances , as well as available borrowings from our $ 400 million revolving line of credit and anticipated cash flows from operating activities , will be sufficient to fund our working and other capital requirements as well as the $ 28.0 million principal payment due in july 2019 on our senior notes issued in july 2010. under our current financing arrangements , we have no other significant debt obligations maturing over the next twelve months . additionally , though we do not anticipate the need to repatriate any undistributed earnings from our foreign subsidiaries for the foreseeable future , we may take advantage of opportunities where we are able to repatriate these earnings to the u.s. without material incremental tax provision . in the normal course of business , we evaluate the merits of acquiring technology or businesses , or establishing strategic relationships with or investing in these businesses . we may elect to use available cash and cash equivalents to fund such activities in the future . in the event additional needs for cash arise , or if we refinance our existing debt , we may raise additional funds from a combination of sources , including the potential issuance of debt or equity securities . additional financing might not be available on terms favorable to us , or at all . if adequate funds were not available or were not available on acceptable terms , our ability to take advantage of unanticipated opportunities or respond to competitive pressures could be limited . summary of cash flows replace_table_token_15_th story_separator_special_tag style= `` line-height:120 % ; font-size:10pt ; `` > 39 senior notes on may 7 , 2008 , we issued $ 275 million of senior notes in a private placement to a group of institutional investors , the outstanding aggregate principal amount of which was paid in full at maturity on may 7 , 2018. on july 14 , 2010 , we issued $ 245 million of senior notes in a private placement to a group of institutional investors ( the “ 2010 senior notes ” ) . the 2010 senior notes were issued in four series with maturities ranging from 6 to 10 years . the outstanding 2010 senior notes ' weighted average interest rate is 5.6 % and the weighted average maturity is 9.8 years . the 2010 senior notes require interest payments semi-annually and contain certain restrictive covenants , including the maintenance of a maximum consolidated net debt to consolidated ebitda ratio of 3.00 and a minimum fixed charge coverage ratio of 2.50. on may 8 , 2018 , we issued $ 400 million of senior notes in a private offering to qualified institutional investors ( the “ 2018 senior notes ” , and with the 2010 senior notes , the “ senior notes ” ) . the 2018 senior notes require interest payments semi-annually at a rate of 5.25 % per annum and will mature on may 15 , 2026. the purchase agreement for the 2010 senior notes and the indenture for the 2018 senior notes contain certain covenants typical of unsecured obligations . as of september 30 , 2018 , the carrying value of the senior notes was $ 513.0 million and we were in compliance with all financial covenants under the purchase agreement and

