Now it wouldn't be a MoneyGram earnings call without discussing compliance. So I'll simply say that we've shared in the past that despite rising fraud rates across the industry, our compliance programs are achieving what we believe are the lowest fraud rates in the industry. The most recent FTC Sentinel report provides evidence of this in that our fraud rates decreased again this past year. This highlights the progress we've made and that fraud reported against MoneyGram continues to represent an ever smaller piece of a rapidly growing issue for many other companies.