I can find little to be upset about. Sounds like there are pockets of rate increases as well, which is quite welcome.
Agree basically with your two posts. I think the stock won't take off until investors see that the company can also make money on US insurance. Jury is still out on that.
Actually, I would like to see some open market share repurchases. They seem to have ample capital, so start capturing some of the discount to book, fellas.