[MRM]

I've been watcing Citibank for a few months now. I think there is another shoe to drop and the price will go lower, but I don't think they'll go out of business. Citibank has a long history of inovation, getting into trouble, inovation, getting into trouble . . . I'm tinking about mid summer it will hit bottom and will snap back when the yield curve normalizes and the financial stocks come back.