Post-credits
Tony has been telling this whole story to someone, and they have not been listening.
Bruce Banner has fallen asleep. He is not that kind of doctor.
Marvel Cinematic Universe
After New York, the armour is a coping mechanism. Then a bombing campaign takes the fight somewhere the suit cannot follow.
Christmas.
Post-credits
Tony has been telling this whole story to someone, and they have not been listening.
Bruce Banner has fallen asleep. He is not that kind of doctor.