 Citibank has a problem with its safety system. Marketplace's Nova Safo has 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.