Ignorance rears its' head again, why would Citi merge with Goldman when it has its' own investment bank. If Citi were to fall hard, the government would bail them out instantly, too big to fail imo. Lou do you know anything about Citi? Do you realize their presence? They don't just make bad investments that was about 5% of the company, the GTS portion of Citi has been growing for the past 19 quarters. I personally believe Vikram is a good CEO but that's my 2 cents.