problems were never the sort that were going to allow a quick fix, and
some of the risk in the stock has centered around the company being too
aggressive in trying to compensate for past mistakes. While a slowdown
in many overseas markets is a definite risk factor to the near-term
growth outlook, Citi seems to be sticking to a multi-year recovery
strategy and it looks like the bank will be in decent shape in two or
three years' time.