We saw a very good increase in book value with Q3 report. I would have expected a better bump in stock price since it is obvious that XL is well on its way to complete financial recovery. It goes without saying that any further increase in the stock price due to good Q3 was short circuited by the whole market tanking over the last few days. The question I have for you is: Do you think money invested in XL stock at this point is dead money? HIG, GNW and XL have all performed poorly lately but XL should have performed better. Do you think the insurance sector is the problem as a whole? Your opinion valued...Objective Guy