Online Information Solutions. Revenue for 2020 increased 16% compared to 2019, due to improved core credit decisioning services volumes related to improvements in the U.S. mortgage market and a $15.0 million settlement with a commercial customer which negatively impacted revenue for 2019. This is partially offset by a reduction in non-mortgage online revenue due to the economic impact of COVID-19, which began in the latter half of March 2020. Revenue for 2019 increased 5% compared to 2018, due to increases in core credit decisioning services volumes, revenue from acquisitions and our identity and fraud solutions business. These increases were partially offset by a $15.0 million settlement with a commercial customer. Mortgage Solutions. Revenue increased 46% in 2020 compared to 2019 due to increased mortgage market transaction volumes. Revenue decreased 11% in 2019 compared to 2018, primarily due to channel shift between our Mortgage Solutions and Online Information Solutions businesses, partially offset by an increase in mortgage market transaction volumes. Financial Marketing Services.  Revenue decreased 1% in 2020 compared to 2019 due the economic impact of COVID-19 on project related revenue. 2019 revenue was negatively impacted by a $5.0 million settlement with a commercial customer. Revenue remained flat in 2019 compared to 2018 due to an increase in project related revenue, offset by a $5.0 million settlement with a commercial customer. U.S. Information Solutions Operating Margin. USIS operating margin decreased to 31.3% in 2020 compared to 33.1% in 2019, due to increased royalty, people, technology and depreciation costs, as well as incremental technology and data security costs associated with our ongoing technology transformation, partially offset by the increase in revenue. USIS operating margin decreased to 33.1% in 2019 compared to 35.4% in 2018, primarily due to increases in royalties, technology, data security and people costs and settlements with commercial customers. These increases were partially offset by the public records litigation settlement of $18.5 million in 2018 that did not recur in 2019. Workforce Solutions Workforce Solutions revenue increased by 51% in 2020 compared to 2019 due to strong growth in both Verification Services and Employer Services. Verification Services growth was due to strong growth in mortgage related revenue. Employer Services growth was due to growth in unemployment claims management revenue. Workforce Solutions revenue increased by 15% in 2019 compared to 2018 due to strong growth in Verification Services. This was partially offset by decreased revenue in Employer Services, due to reductions in revenue from tax management services and our Affordable Care Act compliance services. Verification Services. Revenue increased 58% in 2020 compared to 2019, due to strong growth in the mortgage vertical and continued addition of new records to The Work Number database. Revenue from the commercial non-mortgage verticals of Verification Services have experienced declines versus 2019 due to the economic impact of COVID-19. 41 Twelve Months Ended December 31, Change 2020 vs. 2019 2019 vs. 2018 Workforce Solutions 2020 2019 2018 $ % $ % (In millions) Operating Revenue: Verification Services $ 1,103.2 $ 700.1  $ 567.0  $ 403.1 58 % $ 133.1  23 % Employer Services 334.7 249.6  259.8  85.1 34 % (10.2) (4) % Total operating revenue $ 1,437.9 $ 949.7  $ 826.8  $ 488.2 51 % $ 122.9  15 % % of consolidated revenue 35 % 27  % 24  % Total operating income $ 700.7 $ 389.7  $ 332.7  $ 311.0 80 % $ 57.0  17 % Operating margin 48.7 % 41.0  % 40.2  % 7.7 pts 0.8  pts