We believe the long-term opportunities are strong in our key strategic growth areas: Global Consumer Financial Services, which includes consumer-to-consumer money transfer and consumer bill payments; Business Solutions, which consists of international business-to-business payments; and Ventures, which is our new services area and today includes digital and stored value.

In 2012, Western Union generated revenue of $5.7 billion and $1.2 billion in cash flow from operations. We continue to emphasize shareholder value. In 2012, we returned over $1 billion to shareholders through dividends and repurchases.