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This Tuesday, Oct. 16, 2012, photo, shows the Citibank Building in New York. Citigroup reported earnings that are below Wall Street's expectations as the bank's legal expenses climb on Thursday, Jan. 17, 2013. Citi earned $1.2 billion after paying preferred dividends, or 38 cents per share, in the three months ended Dec. 31. That compares with $933 million, or 31 cents per share, in the same period a year earlier. (AP Photo/Mark Lennihan)