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How many are there in a book? http://egotastic.in.net egotasticallstars.com That isn't to say that Corbat's path is without roadblocks. On calls with analysts and reporters, Corbat and his chief financial officer, John Gerspach, were peppered with questions about a number of potential challenges. Among them: proposed new regulations that could require big banks to hold more capital, rising interest rates that could dampen demand for mortgages and a slowdown in growth in emerging market countries, on which Citigroup is heavily reliant.