this is such a poorly run company esp. transamerica in the states. Senior management never works together they work to protect their fat salaries, their golf outings, their positions of influence, and payola they get from companies trying to do business with them. The corrupt nature is out of control. anyone who identifies inappropriate receipt of vendor gifts swiftly gets eliminated or terminated. Investigations are pending (FL), but doubt will result in any changes. Takeover is definately possible and being discussed/only way to clean it up and add shareholder value. CR culture not strong enough to lead a major corp. I could go on and on..