Payment Processing revenue was $26.2 million, an increase of 6% compared with $24.8 million in the prior year. Revenue growth in the quarter was predominantly driven by an increase in ATH network and POS processing transactions, and accounts on file within our card products business.Business Solutions revenue was $47.3 million, a decrease of 2% compared with $48.1 million in the prior year. The year-over-year decrease in Business Solutions revenue was due primarily to the completion of certain projects in the quarter ended December 31, 2012 and higher deferred revenue, partially offset by increased demand for our services in 2013. Adjusted EBITDA. For the quarter ended December 31, 2013, Adjusted EBITDA was $49.1 million, a decrease of 6% compared with $52.1 million in the prior year. The decrease in Adjusted EBITDA was partly due to higher cost of revenues resulting from higher product sales, and lower dividend from equity method investment. In addition, the year -over -year Adjusted EBITDA comparison for the quarter was affected by the inclusion of a pro-forma adjustment in the prior-year quarter related to estimated net savings from the elimination of certain employees, temporary employees, and professional services. These cost-savings adjustments will not have an impact on Adjusted EBITDA comparisons in future periods. Adjusted EBITDA margin (Adjusted EBITDA as a percentage of total revenues) was 52.6% compared with 57.3% in the prior year. The decrease in Adjusted EBITDA margin was mainly due to the same factors affecting Adjusted EBITDA. Adjusted Net Income. For the quarter ended December 31, 2013, Adjusted Net Income was $35.4 million, an increase of 28% compared with $27.7 million in the prior year. The increase in Adjusted Net Income was predominantly due to lower cash interest expense as a result of the debt refinancing completed in April 2013. Adjusted Net Income per diluted share increased 19% to $0.43 compared with $0.36 in the prior year. Full-Year 2013 Results Revenue. Total revenue for the year ended December 31, 2013 was $357.2 million, an increase of 5% compared with $341.7 million in the prior year. Merchant Acquiring net revenue was $73.6 million, an increase of 6% compared with $69.6 million in the prior year. Revenue growth was driven mainly by an increase in transaction and sales volumes, partially offset by the impact of certain effects during the first half of the year related to the Durbin Amendment.