Here is what you don't understand, In the last two weeks Citi bank has been buying up banks in Costa Rica and Nicaragua. They just finished a new office building two blocks long. Thay also have another complex that has about two blocks long. I don't think they would be buying up these assets and building new work centers for nothing. Here is what they are doing, They got rid of 53,000 high priced workers and are now opening in Costa Rica where they will pay $400.00 a month instead of $500.00 a week and are using hard times to cover up the fact they are replacing these workers with low over seas labor. It sounds like alot of money that Citi bank is lossing but why are there insiders at Citi Bank buy 1,700,000 shares last week alone. I live in Escazu, Costa Rica there plan is to get rid of high price labor and replace it with low costa labor they will be fine. I bet they will be $18.00 a share in no time.