We've had softer revenue growth in North America than we want. This is something that I think we can do better.

We've had softer revenue growth in North America than we want, ... I expect we're going to do a better job.

More of our growth over the 5 to 10 years will come internationally than nationally. Having their expertise as part of the team effort really gives us a leg up.

We are very bullish on our growth prospects in India,

It is a key priority for Citigroup to resolve major cases like this one and to put a difficult chapter in our history behind us.

I don't think we are late to the party. I would already have liked to do it.