{if $userinfo.balance < 0}
{$userinfo.balance|money_format}
{else}
{$userinfo.balance|money_format}
{/if}
{if $userinfo.balance < 0}
{if !$_config.userpanel.disable_transferform}
{t}Click here to print payment form{/t}
{/if}
{else}
{t}All your covenants are settled{/t}
{/if}
{/box}