Global Consumer Solutions revenue is both transaction and subscription based and is derived from the sale of credit monitoring and identity theft protection products, which we deliver electronically to consumers primarily via the internet in the U.S., Canada, and the U.K. We also sell consumer and credit information to resellers who combine our information with other information to provide direct-to-consumer monitoring, reports and scores. Geographic Information.  We currently have operations in the following countries: Argentina, Australia, Canada, Chile, Costa Rica, Ecuador, El Salvador, Honduras, India, Mexico, New Zealand, Paraguay, Peru, Portugal, the Republic of Ireland, Spain, the U.K., Uruguay and the U.S. We also offer Equifax branded credit services in Russia through a joint venture, have investments in consumer and/or commercial credit information companies through joint ventures in Cambodia, Malaysia, Singapore and the United Arab Emirates and have an investment in a consumer and commercial credit information company in Brazil. Approximately 78% and 73% our revenue was generated in the U.S. during the twelve months ended December 31, 2020 and 2019, respectively. Key Performance Indicators. Management focuses on a variety of key indicators to monitor operating and financial performance. These performance indicators include measurements of operating revenue, change in operating revenue, operating income, operating margin, net income, diluted earnings per share, cash provided by operating activities and capital expenditures. Key performance indicators for the twelve months ended December 31, 2020, 2019 and 2018, which reflect the change in accounting principle related to the change in accounting method for our pension and other benefits plans (see Note 1), include the following:  *Amounts above include accruals for capital expenditures. 36 Key Performance Indicators Twelve Months Ended December 31, 2020 2019 2018 (In millions, except per share data) Operating revenue $ 4,127.5 $ 3,507.6  $ 3,412.1  Operating revenue change 18 % 3 % 1 % Operating income (loss) $ 676.6 $ (335.4) $ 448.0  Operating margin 16.4 % (9.6)% 13.1 % Net income (loss) attributable to Equifax $ 520.1 $ (384.1) $ 310.5  Diluted earnings per share $ 4.24 $ (3.15) $ 2.56  Cash provided by operating activities $ 946.2 $ 313.8  $ 672.2  Capital expenditures* $ (430.7) $ (375.9) $ (368.1)