guys this is the best deal on the menu. They don't have much of a selection anymore that has the selective region, deposits, and branches about 250. Well run. What's the problem? Yeah I know Citi in toilet, for sure, but they will be protected and backstopped regardless of what happens. Changing of the guard (Chairman) that will be a boost for them stock wise. I say it's a buy at this level, should be back in the 12/13 soon. Short term play and long term vision, tough times, no doubt.