Edward "Ned" Kelly, chief financial officer of Citigroup Inc
UNITED STATES - JUNE 10: Edward "Ned" Kelly, chief financial officer of Citigroup Inc., speaks during an interview in New York, U.S., on Wednesday, June 10, 2009. Citigroup Inc. began swapping $58 billion of preferred stock into common, a deal that will make the U.S. government the bank's largest shareholder and close a shortfall in common equity found in stress tests last month. (Photo by Daniel Acker/Bloomberg via Getty Images)

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