When sending money, we must always remember that into the speed of money transfers almost always make the corrective amendmentssuch such things as the difference in time zones around the world and on different continents, operating time of MoneyGram offices, branches of partners and banks. Understanding that being in another country, you may not be fluent in the local language, that's why MoneyGram always tries to talk to you in your native language. Very intensive and focused approach has helped MoneyGram to grow business at a rapid pace and establish MoneyGram as a global player in the marketplace. MoneyGram's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. 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.