You don't get it. We all know the eps are down, we aren't all...

You don't get it. We all know the eps are down, we aren't all that worried because the capital you keep talking about, was for future growth. So one cant look at whether that capital was positive over the one year, which clear its not, but over a number of years, and so far if growth rates are maintained for the long term, it wont be long eps will be better than 2013 - 2014 and eps will once again be growing like it has historically has. With the new businesses the rate of growth will be higher long term as well, because you are coming off a much bigger base.

As for dividends, I cant see them being affected, infact I see the payout ratio even being upped like it has historically. Theres plenty of room in earnings to accommodate that