International Operating Margin. ?
?Operating margin decreased to 20.0% in 2015 as compared to 21.1% in 2014.
The decline primarily resulted from geographic and product mix, regionalization efforts, and investments in the U. K.  Operating margin decreased in 2014 as compared to 2013 due to recent acquisitions, including increased acquisition-related amortization expense of $23.3 million in 2014, related to the recent acquisitions.
The declines in margin were also a result of inflation-driven pressures on margin in Argentina.
Workforce Solutions
## Table 0 ##
Verification Services. ?
?Revenue increased 25% in 2015 compared to prior year, due to strong growth in mortgage, auto, pre-employment screening and government verticals, and continued addition of new records to The Work Number database.
Revenue increased 5% in 2014 compared to prior year, due to strong growth in non-mortgage verticals, which was partially offset by the expected decline in mortgage-related verification revenue in 2014 driven by the anticipated decline in mortgage market activity in 2014.
The revenue growth in non-mortgage verticals was primarily a result of increased revenue mostly related to government, pre-employment and auto segments.
Employer Services. ?
?Revenue grew 8% in 2015, as compared to 2014.
Revenue growth was due to continued higher employment based tax credit activity due to the delayed approval of the Federal Work Opportunity Tax Credit program for 2014, as well as growth in our employer-based compliance solutions and workforce analytics business.
Revenue grew 1% in 2014, as compared to 2013.
Revenue growth was due to growth in our transaction-based services business and workforce analytics business.
The growth in 2014 was partially offset by lower unemployment claims activity and a decline in revenue related to the non-renewal of the Federal Work Opportunity Tax Credit program in 2014.
Workforce Solutions Operating Margin. ?
?Operating margin increased 510 basis points to 37.9% in 2015 as compared to 32.8% in 2014.
Margin expansion in 2015 was driven by product mix, as well as strong revenue growth in 2015.
Operating margin for 2014 increased to 32.8% compared to 30.1% in prior year.
Margin expansion in 2014 was driven by a higher mix of high margin business compared to 2013, as well as cost management initiatives executed during the year.
Margin improvement was also driven by lower acquisition-related amortization due to certain purchased intangible assets related to our TALX Corporation acquisition in 2007 that became fully amortized during the second quarter of 2013.
We have some multiple element arrangements that include software. ?
?We recognize the elements for which we have established vendor specific objective evidence at fair value upon delivery, in accordance with the applicable guidance.
We record revenue on a net basis for those sales in which we have in substance acted as an agent or broker in the transaction.
The debt collections and recovery management revenue is calculated as a percentage of debt collected on behalf of the customer and, as such, is primarily recognized when the cash is collected assuming all other revenue recognition criteria are met.
Deferred revenue consists of amounts billed in excess of revenue recognized on sales of our information services relating generally to the deferral of subscription fees and arrangement consideration from elements not meeting the criteria for having stand-alone value discussed above.
Deferred revenues are subsequently recognized as revenue in accordance with our revenue recognition policies.
Cost of Services. ?
?Cost of services consist primarily of (1) data acquisition and royalty fees; (2) customer service costs, which include: personnel costs to collect, maintain and update our proprietary databases, to develop and maintain software application platforms and to provide consumer and customer call center support; (3) hardware and software expense associated with transaction processing systems; (4) telecommunication and computer network expense; and (5) occupancy costs associated with facilities where these functions are performed by Equifax employees.
Selling, General and Administrative Expenses. ?
?Selling, general and administrative expenses consist primarily of personnel-related costs, restructuring costs, corporate costs, fees for professional and consulting services, advertising costs, and other costs of administration.
Advertising. ?
?Advertising costs from continuing operations, which are expensed as incurred, totaled $65.1 million, $57.1 million and $57.5 million during 2015, 2014 and 2013, respectively.
Stock-Based Compensation. ?
?We recognize the cost of stock-based payment transactions in the financial statements over the period services are rendered according to the fair value of the stock-based awards issued.
All of our stock-based awards, which are stock options and nonvested stock, are classified as equity instruments.
Income Taxes. ?
?We account for income taxes under the liability method.
Deferred income tax assets and liabilities are determined based on the estimated future tax effects of temporary differences between the financial statement and tax bases of assets and liabilities, as measured by current enacted tax rates.
We assess whether it is more likely than not that we will generate sufficient taxable income to realize our deferred tax assets.
We record a valuation allowance, as necessary, to reduce our deferred tax assets to the amount of future tax benefit that we estimate is more likely than not to be realized.
We record tax benefits for positions that we believe are more likely than not of being sustained under audit examinations.
We assess the potential outcome of such examinations to determine the adequacy of our income tax accruals.
We recognize interest and penalties accrued related to unrecognized tax benefits in the provision for income taxes on our Consolidated Statements of Income.
We adjust our income tax provision during the period in which we determine that the actual results of the examinations may differ from our estimates or when statutory terms expire.
Changes in tax laws and rates are reflected in our income tax provision in the period in which they occur.
??
Earnings Per Share. ?
?Our basic earnings per share, or EPS, is calculated as net income divided by the weightedaverage number of common shares outstanding during the reporting period.
Diluted EPS is calculated to reflect the potential dilution that would occur if stock options or other contracts to issue common stock were exercised and resulted in additional common shares outstanding.
The net income amounts used in both our basic and diluted EPS calculations are the same.
A reconciliation of the weighted-average outstanding shares used in the two calculations is as follows:
## Table 1 ##
THE GOLDMAN SACHS GROUP, INC.  AND SUBSIDIARIES Management’s Discussion and Analysis Other principal transactions revenues in the consolidated statements of earnings were $3.20 billion for 2016, 36% lower than 2015, primarily due to significantly lower revenues from investments in equities, primarily reflecting a significant decrease in net gains from private equities, driven by company-specific events and corporate performance.
In addition, revenues in debt securities and loans were significantly lower compared with 2015, reflecting significantly lower revenues related to relationship lending activities, due to the impact of changes in credit spreads on economic hedges.
Losses related to these hedges were $596 million in 2016, compared with gains of $329 million in 2015.
This decrease was partially offset by higher net gains from investments in debt instruments.
See Note 9 to the consolidated financial statements for further information about economic hedges related to our relationship lending activities.
Net Interest Income.
Net interest income in the consolidated statements of earnings was $2.59 billion for 2016, 16% lower than 2015, reflecting an increase in interest expense primarily due to the impact of higher interest rates on other interest-bearing liabilities, interestbearing deposits and collateralized financings, and increases in total average long-term borrowings and total average interest-bearing deposits.
The increase in interest expense was partially offset by higher interest income related to collateralized agreements, reflecting the impact of higher interest rates, and loans receivable, reflecting an increase in total average balances and the impact of higher interest rates.
See “Statistical Disclosures — Distribution of Assets, Liabilities and Shareholders’ Equity” for further information about our sources of net interest income.
Operating Expenses Our operating expenses are primarily influenced by compensation, headcount and levels of business activity.
Compensation and benefits includes salaries, discretionary compensation, amortization of equity awards and other items such as benefits.
Discretionary compensation is significantly impacted by, among other factors, the level of net revenues, overall financial performance, prevailing labor markets, business mix, the structure of our sharebased compensation programs and the external environment.
In addition, see “Use of Estimates” for further information about expenses that may arise from litigation and regulatory proceedings.
In the context of the challenging environment, we completed an initiative during 2016 that identified areas where we can operate more efficiently, resulting in a reduction of approximately $900 million in annual run rate compensation.
For 2016, net savings from this initiative, after severance and other related costs, were approximately $500 million.
The table below presents our operating expenses and total staff (including employees, consultants and temporary staff).
## Table 2 ##
In the table above, other expenses for 2015 included $3.37 billion recorded for the settlement agreement with the RMBS Working Group.
See Note 27 to the consolidated financial statements in Part II, Item 8 of our Annual Report on Form 10-K for the year ended December 31, 2015 for further information.2017 versus 2016.
Operating expenses in the consolidated statements of earnings were $20.94 billion for 2017, 3% higher than 2016.
Compensation and benefits expenses in the consolidated statements of earnings were $11.85 billion for 2017, 2% higher than 2016.
The ratio of compensation and benefits to net revenues for 2017 was 37.0% compared with 38.1% for 2016.
Non-compensation expenses in the consolidated statements of earnings were $9.09 billion for 2017, 5% higher than 2016, primarily driven by our investments to fund growth.
The increase compared with 2016 reflected higher expenses related to consolidated investments and our digital lending and deposit platform, Marcus: by Goldman Sachs (Marcus).
These increases were primarily included in depreciation and amortization expenses, market development expenses and other expenses.
In addition, technology expenses increased, reflecting higher expenses related to cloud-based services and software depreciation, and professional fees increased, primarily related to consulting costs.
These increases were partially offset by lower net provisions for litigation and regulatory proceedings, and lower occupancy expenses (primarily related to exit costs in 2016).
Net provisions for litigation and regulatory proceedings for 2017 were $188 million compared with $396 million for 2016.2017 included a $127 million charitable contribution to Goldman Sachs Gives, our donor-advised fund.
Compensation was reduced to fund this charitable contribution to Goldman Sachs Gives.
We ask our participating managing directors to make recommendations regarding potential charitable recipients for this contribution.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="3">Twelve Months Ended December 31,</td><td colspan="5">Change</td></tr><tr><td></td><td></td><td></td><td></td><td colspan="2">2015 vs. 2014</td><td colspan="3">2014 vs. 2013</td></tr><tr><td>Workforce Solutions</td><td>2015</td><td>2014</td><td>2013</td><td>$</td><td>%</td><td>$</td><td colspan="2">%</td></tr><tr><td></td><td colspan="8">(In millions)</td></tr><tr><td>Operating Revenue:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Verification Services</td><td>$364.4</td><td>$292.6</td><td>$279.3</td><td>$71.8</td><td>25%</td><td>$13.3</td><td>5%</td><td></td></tr><tr><td>Employer Services</td><td>213.3</td><td>197.5</td><td>194.8</td><td>15.8</td><td>8%</td><td>2.7</td><td>1%</td><td></td></tr><tr><td>Total operating revenue</td><td>$577.7</td><td>$490.1</td><td>$474.1</td><td>$87.6</td><td>18%</td><td>$16.0</td><td>3%</td><td></td></tr><tr><td>% of consolidated revenue</td><td>22%</td><td>20%</td><td>21%</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total operating income</td><td>$218.8</td><td>$160.7</td><td>$142.6</td><td>$58.1</td><td>36%</td><td>$18.1</td><td>13%</td><td></td></tr><tr><td>Operating margin</td><td>37.9%</td><td>32.8%</td><td>30.1%</td><td></td><td>5.1pts</td><td></td><td>2.7</td><td>pts</td></tr></table>
<table><tr><td></td><td colspan="3">Twelve Months Ended December 31,</td></tr><tr><td></td><td>2015</td><td>2014</td><td>2013</td></tr><tr><td></td><td colspan="3">(In millions)</td></tr><tr><td>Weighted-average shares outstanding (basic)</td><td>118.7</td><td>121.2</td><td>121.2</td></tr><tr><td>Effect of dilutive securities:</td><td></td><td></td><td></td></tr><tr><td>Stock options and restricted stock units</td><td>2.2</td><td>2.3</td><td>2.5</td></tr><tr><td>Weighted-average shares outstanding (diluted)</td><td>120.9</td><td>123.5</td><td>123.7</td></tr></table>
<table><tr><td></td><td>Year Ended December</td></tr><tr><td><i>$ in millions</i></td><td>2017</td><td>2016</td><td>2015</td></tr><tr><td>Compensation and benefits</td><td>$11,853</td><td>$11,647</td><td>$12,678</td></tr><tr><td>Brokerage, clearing, exchangeand distribution fees</td><td>2,540</td><td>2,555</td><td>2,576</td></tr><tr><td>Market development</td><td>588</td><td>457</td><td>557</td></tr><tr><td>Communications and technology</td><td>897</td><td>809</td><td>806</td></tr><tr><td>Depreciation and amortization</td><td>1,152</td><td>998</td><td>991</td></tr><tr><td>Occupancy</td><td>733</td><td>788</td><td>772</td></tr><tr><td>Professional fees</td><td>965</td><td>882</td><td>963</td></tr><tr><td>Other expenses</td><td>2,213</td><td>2,168</td><td>5,699</td></tr><tr><td>Totalnon-compensationexpenses</td><td>9,088</td><td>8,657</td><td>12,364</td></tr><tr><td>Total operating expenses</td><td>$20,941</td><td>$20,304</td><td>$25,042</td></tr><tr><td>Total staff atperiod-end</td><td>36,600</td><td>34,400</td><td>36,800</td></tr></table>

Question: In the year with the most Total operating revenue, what is the growth rate of Total operating income?
Answer: 0.36154
Reasoning program: subtract(218.8,160.7), divide(#0,160.7)