Jim O'Neill, the former U.K. commercial secretary to the Treasury, says E.U. banks have never embraced true cross-services reform and that American banks played a more successful game than their E.U. counterparts. JPMorgan Chase's John Normand says Trump's policies are more diluted than they were on the campaign trail. James Stavridis, dean of the Fletcher School at Tufts University, says he's concerned with the diffusion pattern of the Russian investigations. Jeffrey Currie, Goldman Sachs' global head of commodities research, says oil will stay in a trading range of between $55 and $60. Finally, Mike Mayo, an independent bank analyst, says Citigroup might need a restructuring.