We are convinced that the ATM network is the platform for electronic money. Ongoing developments such as the proliferation of PIN acceptance in the brick and mortar marketplace, the recent Wal-Mart led law suit won over MasterCard / Visa, and new legislation are resulting in the advancement of PIN based transactions as the preferred solution. We anticipate a breakthrough with PIN usage online in the near future and are acting on multiple fronts to assist in driving that reality. At the same time we are designing services and solutions that will utilize the coming opportunity to the benefit of our customers, the marketplace and the world.