Baltimore — (TFN): It’s like pulling off a Band-Aid. We can do it quick and get the pain over with, or we can torture ourselves with slow, steady, hair-ripping pulls that make us want to gouge our eyes out in pain.

Since I first scraped my knee chasing the neighbor’s cat across the street dozens of years ago, I have been a fan of the get-it-over-fast strategy. Rip the stitches, dry the tears and move on. Dilly-dallying is for sissies and I’m no sissy.

Citigroup Inc. (C) is lifting the curtain on the $45 billion in taxpayer capital it received, saying it plans to use $36.5 billion to fund U.S. mortgage loans and assist credit card holders and businesses.