The term balance-of-payments problem is identified in base64 scheme by the sequence YmFsYW5jZS1vZi1wYXltZW50cyBwcm9ibGVt, while the MD5 signature is equal to dfa9ad4410819b0f239f94bd1674e668. The ASCII encoding of balance-of-payments problem in hexadecimal notation is 62616c616e63652d6f662d7061796d656e74732070726f626c656d.