both chuck prince and bicram pandit are holders. he has experience restructuring the bank, and i think it is a really positive development. >> on that conference call that we just reported by the citi's chairman, michael o'neill, who said there is no other shoe to drop. michael corbett said he is going to follow on the foundation that was set by bikram pandit. is it going to be business as usual or are they going to do things differently? >> they autos hav almost have to things differently because they sold smith barney ne, and they sold the insurance business. what they have left is the core bank, and citi holdings, which are the assets they want to get rid of. that includes consumer and capital lending, and the commercial market, which is much smaller than it used to be, and there are other components in the mix. my hope is this new c.e.o. and its team focus on what they have, avoid a lot of the noise going forward, and maybe coax investors back into the stock. because it has been a very difficult story. >> what about the stock? i