0 1 3 . ▁In ▁January ▁ 2 0 1 4 , ▁Francis ▁replaced ▁four ▁of ▁the ▁five ▁cardinal ▁over se ers ▁of ▁the ▁V at ican ▁Bank , ▁who ▁had ▁been ▁confirmed ▁in ▁their ▁positions ▁in ▁the ▁final ▁days ▁of ▁Bened ict ▁XVI ' s ▁pap acy . ▁L ay ▁exper ts ▁and ▁cler ics ▁were ▁looking ▁into ▁how ▁the ▁bank ▁was ▁run . ▁Ernst ▁von ▁Fre y berg ▁was ▁put ▁in ▁charge . ▁M oney val ▁feels ▁more ▁reform ▁is ▁needed , ▁and ▁Francis ▁may ▁be ▁willing ▁to ▁close ▁the ▁bank ▁if ▁the ▁re forms ▁prove ▁too ▁difficult . ▁There ▁is ▁uncertainty ▁how ▁far ▁re forms ▁can ▁succeed . ▁ ▁Pap al ▁documents ▁On ▁ 2 9 ▁June ▁ 2 0 1 3 , ▁Pope ▁Francis ▁published ▁the   ency clic al   L umen ▁f ide i ,   that ▁was ▁largely ▁the ▁work ▁of ▁Bened ict ▁XVI ▁but ▁await ing ▁a ▁final ▁draft ▁at ▁his ▁ret irement . ▁On ▁ 2 4 ▁November ▁ 2 0 1 3 , ▁Francis ▁published ▁his ▁first ▁major ▁letter ▁as ▁po pe , ▁the ▁apost ol ic ▁ex h ort ation ▁Evangel ii ▁ga ud ium , ▁which ▁he ▁described ▁as ▁the ▁program m atic ▁of ▁his ▁pap acy ,   ▁On ▁ 1 8 ▁June ▁ 2 0 1 5 , ▁he ▁published ▁his ▁first ▁own , ▁original ▁en cyc lic al   La ud ato ▁si ' ▁ ▁concerning ▁care ▁for ▁the ▁planet . ▁On ▁ 8 ▁April ▁ 2 0