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cash. quarterly dividend. quarterly dividend comes in at 37 cents. the buy back is robust. >> can't handle the audible. schwab, citi grdowngrades from to 75. potential headline risk, structurals number one, customersore likely to seek out higher field accounts. that's an interesting one as rates come down. what do you think? >> well, i mean, it feels like a noncall here. the stock has been as strong as the financials have been so it's a rally. now they're saying, oh, well, you've got risk because it's a financial. it's the same risk that existed since the start of the company, e every bank has the s.e.c. can save the world. and i don't buy that. i think the stock is 14 times next year's earnings. lots of people move their cash to higher interest rates that's going to continue to happen and the earnings will go up. >> shannon. >> yeah, cash sorting hack the issue. stocks have already on multiple times, because of the late, make the call and convert it. >> okay. american express, deutsch initiates $235 as a price target. so does bank of america. bmo downgrades to underperformed, target goes to 157 from 188. kerry, you take this first. one of your top picks. >> yeah, we like american express, you got