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	3	Sources list for CITIGROUP INC EFFICIENCY RATIOS COMPARED TO J P MORGAN CHASE
	Citigroup Press Release. (10 May 2004) "Citigroup Reaches Settlement on WorldCom Class Action Litigation for $1.64 Billion After-Tax." Citigroup Official Website. Press Releases. Retrieved 21 Feb at http://www.citigroup.com/citigroup/press/2004/040510a.ht Accounting Scandals "Key Business Ratios." Dun and Bradstreet. 2004. Dun & Bradstreet Key Business Ratios. University of Phoenix, Phoenix, AZ. July 8, 2004 <http://80-kbr.dnb.com.ezproxy.apollolibrary.com/KBR_Main.asp?inCurTab=3>. Smurfit-Stone Container Corporation Wallerstein, Immanuel. `The rise and future demise of the world capitalist system: concepts for comparative analysis', Comparative Studies in Society and History (Vol. 16, 1974), p. 389. World System Theory Introduction to Ratio Analysis http://www.bized.ac.uk/compfact/ratios Accounting and Financial Statement Analysis Fama, E. (1998), "Market efficiency, long-term returns and behavioural finance", Journal of Financial Economics, 49, 283- 306. UK Concept of Market Efficiency