So I could go on.
That's good. That's actually a good Segway into the first question in terms of thinking about your growth profile. So obviously a part of that is function size, part of that is you guys are obviously winning market share but maybe if you can dig into the nature of that growth profile, where you are outpacing what is the attribute at this point that gives you guys that faster overall growth, think about geographically or agent growth. What's the main search…?Pam Patsley Yes. It's an interesting question Julio. So when you are in a 192 countries, that's a little hard to just narrow it and so I am going to give you on two levels, one, just from a geographic look. We think about our business in three primary buckets, US to US, US outbound and then send originating outside the US. The profile of our businesses today on transactions about is almost a third, third, a third. On revenue it's much different. The US to US would be a little over 25% while since originating outside the US or about 47% on revenue. So that gives you a little bit of a perspective and clearly for MoneyGram if you are not familiar growing and the point of presence in all these other countries is newer. MoneyGram's legacy US business. Having said that, the US to US businesses you know and we are very proud of this. For years now continues to put up double digit growth and we are still very much focused on that. The growth also then comes when you look at our agent network growth. For the fourth quarter we had 18% growth in our agent networks. We have a young network and it takes 12 to 18 months for that network to be fully productive. That's going to vary if you are signing someone that's been a money transfer seller before versus if you are initiating or inaugurating services with a new non-seller of money transfer services. So there is a lot of leverage just in our pipeline from the newness of our agent network if you will. So we're up to 267,000 locations at year-end. Read the rest of this transcript for free on seekingalpha.com