Johnson missed just three greens in regulation during his double round and he carded only three bogeys in 36 holes.

CNN: January 8, 2013 -- Updated 1648 GMT (0048 HKT)

Most other large investment banks double-check all big trades, even when not forced to by regulation.

ECONOMIST: UBS��s trading loss

Important obstacles for Citi include political action, with Dodd-Frank, Basel III, and other regulation beginning to take effect, and a weaker than expected, double-dipping housing market.

FORBES: Bullish On Citi As Retail Investors Abandon Ship