Budapest Bank in Hungary, owned by GE Capital, renewed a long-term contract with us after the original contract ended. In addition, our Indonesian-based Cakra network consolidated its activities in 2000  and is now expanding its offerings to include ATM out- sourcing and mobile replenishment  transaction processing. points, such as ATM, Internet and POS devices, and allows us to offer a comprehensive set of electronic  solutions to financial institutions. It’s extremely  exciting, and it’s going to be very powerful. As an electronic payments processor and outsource provider to banks and mobile operators, we see four major trends driving the growth of our business. One is the tremendous growth worldwide in electronic financial transactions, particularly in emerging markets that are going from cash-based to electronic payments. Two, increased bank consolidation in Europe is creating more ATM outsourcing opportunities. Three, we see a contin- uing market for off-premise convenience ATMs in retail locations. Four, a whole new customer base of mobile phone operators is creating another electronic payment bridge to generate transactions. I can’t say this enough: the market for distribu- tion of prepaid mobile airtime is huge in Europe. Right now in that market there are more than 300 million mobile customers and more than 50% are prepaid customers. The mobile phone market in Europe is expected to grow to more than 460 million by 2005. Prepaid is also the fastest growing segment for mobile phone operators in the US, and approximately 80% of all mobile service in Indonesia is prepaid. Currently, replenishment of prepaid mobile airtime is an expensive distribution nightmare for mobile operators. We offer several electronic payment solutions to mobile operators that enable their customers to conveniently add prepaid minutes through one of our various elec- tronic touchpoints. As more operators in more countries adopt our recharge solutions, we expect them to make a strong contribution to our revenue. Euronet’s mobile banking product enables a bank’s  customers to gain full access to their accounts. In addition, those bank customers can receive instant messages about their account—such as deposit or  overdraft notification—on a mobile device.  I want to emphasize that Euronet’s wireless business  is not some tangent we’re taking that will stretch our resources. This opportunity is simply opening up another customer touchpoint where we can drive transactions. It’s fully integrated with our other electronic touch- So, let me ask you, how would you like your  next transaction… We remain committed to our core business of ATM  and POS outsourcing, as well as electronic bill payment solutions. We will continue to promote our unique  capabilities to banks worldwide so that their customers can realize direct, secure connections through wireless and Internet banking. And, we will continuously  evaluate new technology and market opportunities,  such as mobile operator payment solutions, that help achieve our goal of increasing transactions. Euronet Worldwide is ready to capitalize on this fast-paced, ever-changing world. I have never been as excited about our potential since we started this company. The world is changing around us, and Euronet is uniquely positioned to provide the secure, integrated solutions that meet the growing demand. Our core business is now at a point where it is essentially meeting its cash needs through its recurring revenue stream. Our core transaction business grew 39% last year. Now that we’ve hit a critical mass, we have more opportunities to pursue with bank and mobile operator markets, and we continue to build on recurring  revenue generated by our transaction-processing engine.  What is your outlook for Euronet Worldwide? What is Euronet’s mobile banking opportunity? Can you elaborate on Euronet’s position on mobile recharge? What industry trends interest you the most? 5