As we noted in our February earnings call, beginning with this quarter, Western Union has implemented a new segment structure to reflect the acquisition of Travelex Global Business Payments, management changes and strategic initiatives. We now classify segments as Consumer-to-Consumer, Consumer-to-Business, Business Solutions and other. The Consumer-to-Consumer segment has not changed from our previous reporting. Other primarily includes retail money order, prepaid and Mobile Money Transfer. Within Consumer-to-Consumer, we now provide metrics on 6 regions. These include Europe and the CIS, North America, Middle East and Africa, Asia Pacific, Latin America and the Caribbean and westernunion.com online money transfer. Our India and South Asia business is now included in the Asia Pacific region. As a result of reporting these additional regions, we will no longer be providing individual country metrics in our supplemental tables. However, we will give you color on country performance and will continue to provide domestic money transfer and Mexico results throughout 2012. We issued an 8-K last week, which describes the new segments and regions as well as provides historical reclassifications.As a reminder, today's call is being recorded, and our comments include forward-looking statements. Please refer to the cautionary language in the earnings release and in Western Union's filings with the Securities and Exchange Commission, including the 2011 Form 10-K, for additional information concerning factors that could cause actual results to differ materially from the forward-looking statements. During the call, we will discuss some items that do not conform to Generally Accepted Accounting Principles. We have reconciled those items to the most comparable GAAP measures on our website, westernunion.com, under the Investor Relations section. All statements made by Western Union officers on this call are the property of The Western Union Company and subject to copyright protection. Other than the replay noted in our press release, Western Union has not authorized and disclaims responsibility for any recording, replay or distribution of any transcription of this call.