Guys, sending the down Water street makes far more sense in terms of population distribution. I didn't realize this until I actually started working on Wall Street. The population concentration of actual workers (not the stockbrokers at NYSE or the gobs of tourists looking at said NYSE) is heavily concentrated toward the shores of the island. This is why (among other reasons) that the Nassau St line is so little used, because its right in the middle of a dead spot in the neighborhood, near Broad Street. Having a dedicated subway line more toward the shore would aleviate the congestion on the IRT down there (yes the , as well) and give the UES the option for Western AND Eastern Lower Manhattan. This may not seem like a big deal, especially since everything is so tightly packed down there, but every block closer you can get counts. And when there's so many skycrapers and a non-grid street system, walking somewhere that looks like a short distance on a map may be far longer on the ground than it seems on paper.
And, of course, Hanover Square needs a subway stop, there's no question about that one.