Since going public two and a half years ago, MoneyGram has made great strides by pouring energy and resources into several critically important areas for business. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. 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 offers an efficient, fast and secure way to send money around the world. Thousands of businesses count on MoneyGram for payment services to move money and drive commerce. This is a trust that MoneyGram takes very seriously. Millions of families depend on MoneyGram to safely send money home or pay the bills.