Oh contraire. They need to increase the buyback. The dividend is way over industry average and the 6 billion buyback isn't happening at a decent rate. They bought back 500m last qtr and this one too. They borrowed 6 b and are paying interest on it, they should be buying at least 1.5b a qtr to be prudent and effective. They can buy back a lot more shares at 23 than at 30+ 2 years down the road.