It takes a whistle blower to find this. and she only did it for the reward. Don't we have government investigators who are supposed to do this? So they party while my home is devalued. Great. And they wonder why we despise their business practices and probably dislike them too.What is amazing is that CitiGroup needs a charter to stay in business. Why does the government renew their charter instead of disbanding them? This was standard practice--having businesses renew their charter or license to exist every five years or so until the late 1800s. And governments (state and federal) could pull licenses for criminal activities whenever they damned well pleased.