Who really cares. .95 and only paying a penny for divvy just think about the amount of money piling up at the bank. In addition Pandit won't refile until mid June and the Fed has 75 days to reply. That means they could miss raising the divvy by the August ex divvy date. I believe Pandit purposely asked for too much payout for the stress test so he could avoid raising the divvy and pile up cash at the bank. Screw the SH so he could benefit in the long run by having capital overload at the bank. Think about it. All the while saying, like he did last year, it is the intent of the company to return more money to the shareholders.