Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. 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 launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. Undoubtedly, you should use the system of electronic money transfers MoneyGram, if you want to send or receive money with the guarantee of their delivery and safety.