I just want to give you analogy why Citi just want to pay the fine to settle the case.
Suppose one day, you are lonely and you walked into a big booboo. You guys talked and walked. Suddenly that bitch shouted and told other people that you harassed her. Being dressed with fine Italian made suits, you did not want to be seen in this way in front of the public, especially afraid of being seeing by your colleagues in this busy downtown CBD. So you quickly gave her two $100 bills and merged into crowds. It seemed that that woman is happy with the money and she starts to look for another big fish of the day.