S&P is calling for about 2.80 in earnings for 2011. That supports a 1.00 dividend. Since I have been following BBT they stick to a schedule on dividend announcements so we'll see it on that schedule. Don't worry about large rate increases in 2011. Worry more about macroeconomic setbacks. We could see some sell-off with an overall market correction. More opportunity to get on this long term winner.