, albeit slightly real, the bigger issue is this look at the next chart this is the exact same to imframe it's basically taking the xlf just before the pandemic hit, and so we have a sector that has not recovered on a relative basis to where it was. the bottom panel's relative performance to the s&p even as it's made new absolute highs, and then look at city, the next chart. i mean, this is sort of really kind of tragic i mean, now you've got a two-panel but it's sitting on the top. citi's relative perform to xlf on the bottom and the final chart, this is three comparative lines. this tells the whole story citi bank is below where it was before the pandemic. financials is a sector are up 20%. the market is up 40%, most big banks like jpmorgan and the bkx and vre are all above where they were what's wrong with citi something must be. >> calling citi tragic, tony, caught my attention, that's for sure what do you make of mike's take on financials and the strategy >> yeah. so this is one that i'm somewhat conflicted on because when you look at the business itself, citigroup is one that i actu