 S&P and Nasdaq futures are down a tenth of a percent each. Dow futures down about two-tenths percent. Citigroup is still too risky a company. That's the assessment of the Federal Reserve and another bank regulator. They're fining Citi $136 million and telling it to speed up an overhaul to make sure the quote too big to fail bank can fail if some emergency were to arise without bringing down the U.S. economy.