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I agree with you - Dr. Tow is a disaster! We have owned CZN for over 20 years. Before Dr. Tow took over, Citizens was a highly respected company. It had an unbroken record of increased earnings, dividends, and appreciation, and had a AAA rating. Under Tows manage-ment (better described as mis-management)the Company has cut its dividend twice, has lost its AAA rating, has practically no earnings, has expanded beyond its means, and the share price is down! When you write to the Company you cannot receive a reply, unless you threaten to complain to the SEC, or other regulatory bodies! Dr. Tow had the gall to critisize the previous management in his 1996 annual report by stating:" Up until six years ago, Citizens had done little to pre-pare for the era of competition, etc." It is time for a new leder! His stock does not qualify him to lead!
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