mr. o neill is a serious guy and fixed a troubled institution in hawaii and bank of hawaii is one of theest performers in the united states. >> but what about the way it was handle d? >> it's unseemly, sure, that's right. it should have been a decent transition but something was a catalyst and we still don't know the full story. >> todd, what do you think of how it was handled? >> it wasn't handled right. it's clear as day about that. but pandit also had a complicated tenure with the acquisition, $800 million in an all cash deal that just vested recently because it was a five-year investing schedule. you have to question what the culture was like at citi during this entire time. pandit went into a very stressful situation but knew he wasn't going to take on that much risk. you really needed a recovery specialist, turnaround specialist and clearly mike oneill is that person. >> meredith whitney was on this week and said no ceo can fix citi. listen to what she said. >> i don't know that anybody knows michael corbit outside of citi. anyone can go into that slot and it's mike o neill's agend