Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. In MoneyGram were added or converted new currencies in an additional 29 countries during the past year, providing consumers with a wide array of currency payout options. As part of the 2008 Recapitalization, our wholly owned subsidiary, MoneyGram Payment Systems Worldwide, Inc., issued Goldman Sachs $500.0 million of senior secured second lien notes with a 10-year maturity. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days.