- Lack of inspiration from upper management: Very mature company in a mature industry. Cannot think outside the box
- If Zurich says jump, New York says how high
- Non-transferable skill set when looking to leave
- Hypocrisy in upper management value message and execution
- Lack of vision
- Personally believe that Swiss Re, in the next market down cycle, will suffer severe repercussions for their inability to hedge highly exposed balance sheet