Hi Everyone, I'm back from the land down under, so let's get caught up on what's going on.  The market is lower today, based on a number of factors.  The government was trying to sell some of it's ownership in Citi in order to pay back the US taxpayer, however there weren't a lot of takers and share price has dropped below the initial purchase price from the government.  The lack of interest is certainly concerning about the long term viability of Citi, or at least the negative view of Citi in the short term.