“We are not the best owner of a domestic bank. So the timing of when we IPO will be driven by market conditions.”

In context

“eir performance when I was down there. And they're also focused on getting the work done to be able to go public things like the prepared audit financial statements, or filling the various regulatory requirements. Have we told them we want to see the business performance improving, and we want to make sure that we are doing everything in our control to be in a position to IPO by the year-end. And you know, to the second part of your question, we will always look at what we believe to be in the best interest of our shareholders. We believe that the best interest of our shareholders is to be up to IPO this business. We think that is the right thing. It fits with Citi's strategy for all the reasons we've talked about in the past. We're the best owner of the corporate franchise we have there. We are not the best owner of a domestic bank. So the timing of when we IPO will be driven by market conditions. It will be driven by the timing of regulatory approvals. So that could move that from 2025 into 2026. We will always be guided by what we think will maximize value for our shareholders. John McDonald: Great. Thanks, Jane. Operator: Our next question comes from the line of Ken Usdin with Autonomous Research. Your line is now open. Please go ahead. Ken Usdin: Thanks. Good morning. Wanted to follow up on the points you made about consumer hanging in there through April. Mark, you mentioned that there could be more uncertainty as we get later, but you believe, you know, you're still intact with your charge-off guides for the year. I think that just noticing retail services wise, I think, expectively higher than the high end at 643. Can you just remind us again how you're expecting the cadence”