I see what you guys are saying, but I just think there is a lot of overhead resistance and I didn't like the way it touched 15 the other day and then turned away. While the div is enticing, I think institutions will wait to see the earnings and if the div is really just a return of capital. Remember the 1st quarter was disastrous for a lot of financials. so that is my argument for why I beleive short term we may be headed somewhat lower. Long term I think the stock will be fine.