Part of the intention of the spin-off is to allow Western Union to focus on the consumer rather than the businesses that First Data focuses on, and it would also give First Data greater access to capital.

Clearly the intention must have been to kill.

Marriage is a ghastly public confession of a strictly private intention

The migrant worker is the world's last untapped consumer segment, because they are conservative savers, and yet move around and don't get respect from banks. That's the market we look at, and the runway for growth in Asia is huge.

The euro has clearly accelerated some people's focus on cost-saving synergies.

Our focus going forward is going to be to increase relevance among a younger audience.