Congratulations, America. You're still on the hook.

That may as well have been the first bullet point on the news releases announcing Citigroup Inc.'s plans for repaying the Troubled Asset Relief Program and canceling a loss-sharing agreement with the government on more than $300 billion of loans and securities. For while Citigroup gets to escape the pay czar, and the Treasury Department gets to claim a key victory, the taxpayer gets no relief from the burden of too-big-to-fail institutions — only a "debt of gratitude" from Citigroup Chief Executive Vikram Pandit and a promise that the company will do more to help homeowners and other borrowers in need.

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