[jaredklewis]

Who said anything about being evil? If my car manufacturer has a bug in their manufacturing process and I die in a ball of fire as a result, they weren't being evil (they didn't intentionally kill me), but it doesn't change the fact that they screwed up and are going to have to make amends.

Citigroup screwed up. Now they have to pay a fine. If they get off the hook for free, how is that fair to their competitors, who also had to do this rather tedious reporting?

Same here,