You know how kids, when they are 9 or 10 years old, can't wait until they're 16? Or how violinists in the third chair can't wait to be in the No. 1 spot? Henry L. Meyer 3rd, the chairman and chief executive of KeyCorp, had the opposite feeling this spring when his company was the smallest of the 19 financial institutions to undergo the government's much-publicized stress tests.

"I was 19," Meyer recalled this week at an SNL Financial banking industry conference in New York, "and I wanted to be 20."

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