Jeff Hochstadt Thanks John and good morning everyone. I will begin my overview on slide nine. I Net sales increased 1% in the quarter as strong growth from our Prepaid business offset the expected softness in Debit and Credit. Prepaid sales increased 14%, driven by higher sales to existing customers, while Debit and Credit segment sales decreased 1% as the previously implemented price increases helped offset some of the reduced demand. Looking at our products and services and Debit and Credit, declines in e ...