Don't really follow this stock, but I'm in the insurance business and what you say makes sense. When you get non-insurance people in charge that don't respect the culture of our industry and the long term affects of what they're doing you have problems. Steve H. knew the business from the ground up. That's the kind of people that need to be leading a company. They know everything about the company, they birthed it and the options for the future now are what??? I'm not bashing the stock, sounds like the guy has the money to make it go if he wants too, but who would want to buy a sinking ship? He's going to have to get insurance people running it to plug the holes or sell at a big loss himself. Money people don't like to lose money, so he'll do something.