{box title="Balance"}

{if $userinfo.balance < 0}
{$userinfo.balance|money_format}
{else}
{$userinfo.balance|money_format}
{/if}

{if $userinfo.balance < 0} {if !check_conf('userpanel.disable_transferform')} {trans("Click here to print payment form")} {/if} {else} {trans("All your covenants are settled")} {/if}
{/box}