  function withdrawDaiDividends() public returns (uint _amount) {
    calcCurPointsForAcct(msg.sender);
    _amount = tokenHolders[msg.sender].currentDaiPoints / totalSupply;
    uint _pointsUsed = safeMul(_amount, totalSupply);
    tokenHolders[msg.sender].currentDaiPoints = safeSub(tokenHolders[msg.sender].currentDaiPoints, _pointsUsed);
    holdoverDaiBalance = safeSub(holdoverDaiBalance, _amount);
    require(iERC20Token(daiToken).transfer(msg.sender, _amount), "failed to transfer dai");
  }