{box title="Balance"}

{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}