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 hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year. Keep in mind that if your locality there are several banks, working with MoneyGram and you will convert the currency received, before receiving check currency rates in several points - they can vary. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.