It's essential that no institution is viewed----

What does 'healthy' mean now that it didn't mean on October 14, 2008?

I will take that as a no, that we are not being paid for the guarantee that we are----

the market clearly perceives that there is a too big to fail guarantee, and the market is rating Citi higher because of that.

But it's your view that Citi isn't getting that from its higher rating, it's not getting that benefit of being A rated?

But Standard & Poor's, the rating agency, is giving you a bump. The bump is valuable.

I want to know if the American taxpayer gets paid for that.

As everyone in this room knows, in late 2008 a financial crisis threatened to bring the worldwide economy to its knees.

It is really three different kinds of businesses combined: a commercial bank, an investment bank, and an insurance company.

The difference is, that you're trying to capitalize what is now a much stronger company.

So, you don't offer cheaper financing than anyone else does in order to support the sale of GM cars?

You wiped out all of its equity, you caused its debt to have to take a haircut, and that's what helped put it back on firm footing.