the rms falling short include citigroup, ally finaial, suntrust, and meife. now, keep in mind, this is a worst-case scenario. the fed wanted to see how banks would fare if unemployment soared to 13%, stocks fell 50%, and home prices tanked by more than 20%. the stress tests were originally due out thursday afternoon, but around 3:30 today, j.p. morgan announced a dividend increase, which told investors it had indeed passed its stress test. that helped stocks close at their best levels of the day. the dow jumped almost 220 points, the nasdaq added 56, closing above the 3,000 level for the first time in 11 years, and the s&p rose almost 25 points. joining us now to discuss those stress tests, fred cannon, co-director of research and banking analyst at kbw. >> hi, how are you? >> susie: good, thank you. what do the tasks tell us about the strengths of the banking system? >> primarily they tell us that the bank that rebuilt the catal can with stab a very tough scenario, that's really the good news behind this, is that the capital levels are back at the banks. ove