Why does one simple exception need four approvals now. I am posting because the VP-controls-risk approval loop made the client exception feel less like a one-off and more like the normal Citi path. The frustrating part is the concrete work is visible, but the answer still lands on two-week bounce for a routine ops item. The second piece I would watch is VP-controls-risk approval loop; once that gets written down, the conversation around two-week bounce for a routine ops item is harder to blur.