Another BAD week for Travelers.Earnings down 25%,stock down again again again,near the 52 week low.Many units under performing, expenses rising more than needed. What happens next?TRV under performs the S&P 500 so why own it.Only own stocks that out perform this major index. No need to take a chance with your money to get sub par results and no spread of risk. No real direction for TRV & Wall St. knows it.So many issues to deal with no time to discuss them all. JAY are you there? Any plans to cut expenses,increase rates,get out of lines of business with no profit or under performimg?Why do the Specialties cost so much to run with poor results? Can we do better in Personal lines? Will you stop the failed stockbuy back plan? $9BILL of stockholder money being wasted.WHY WHY WHY . Jay will you get a large bonus for these results? Jay will your few true followers also get big pay days & a large bonus? If yes, WHY?