Last year, regulators slapped Citigroup with a $400 million civil penalty and a consent order that tasked the bank with correcting long-standing issues with its internal risks and controls. Due to needed investments in this infrastructure, management at Citigroup had previously guided for expenses to be up 2% to 3% in 2021 compared to last year. But as Mason has been saying all along, these investments being done to address the consent order are also investments that are needed to modernize the bank.