One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. In one embodiment, a computer-implemented method of sending and receiving encrypted messages between users within an associated group of users is provided. Because the groove is designed on the second substrate of the LCD panel, the first spacer is positioned above the groove. To avoid the loss of the spatial content of the stereo signal, the audio enhancement system determines the difference information that exists between different stereophonic channels.