Jim Jubak

"I have to read this because it's important that I get this exactly right. This is what Vikram Pandit, the new CEO of Citigroup told a gathering of 300 Wall Street Analysts in the first week of May. 'The infrastructure of of this company has never been fully integrated.' Now he tells us.

"Ten years after the merger that put together Citigroup - putting together the brokerage firms and the insurance companies and a bank there were going to create this incredible financial super market. Ten years after that it turns out that nobody ever did the hard work of putting all the pieces together..."