I was struck by CNA's fourth quarter results where they reported an improvement over last year's Q4 combined ratio -- 89.1%. Once upon a time, that would have been "golden". But, because they recognized losses of over $300million on mark-to-market actions for some of their investments, they LOST money for the year. What a leadership challenge it is to keep everyone motivated in the face of great results with bad outcomes. Let's all recognize one anothers' efforts to work hard, contribute and push through these unprecidented times.