Borrowings declined nearly 1.8% year over year to $3.4 billion. Stockholders' equity was a deficit of $374.2 million, compared with stockholder's equity deficit of $309.8 million at year-end 2018. At the end of the quarter, the company generated net cash of $239.6 million from operations, up 80% year over year. Share Repurchase & Dividend Update In the reported quarter, the company returned $260 million in share buybacks and dividend payment to its shareholders. Business Update The company expects to sell its business Speedpay U.S. domestic bill payments for nearly $750 million this month. It has also successfully completed the sale of its Paymap mortgage payment services in May 2019. These efforts reflect the company's efforts to streamline operations by focusing more on core business area of cross-border, cross-currency money movement.