 Citibank has a problem with its safety systems. Marketplace's Nova Safo is here live with more. Well David you know Citigroup has been a uniquely complicated operation for a long time even among giant financial institutions and regulators say that that complexity is still hampering Citi from being able to respond in an agile way to sudden economic shocks both here and abroad. In response Citi's CEO Jane Fraser acknowledged that the bank needs to move faster.