RE: Manulife Financial Q3 2012 Financial Results I think we need some solid changes at the top. For 3 years they have been getting creative with selected write downs. This qtr was no different. We were told that 4 billion was coming and now its pushed off a year. True they didn't think that interest rates would stay this low this long. However for the big dollars we are paying these top dogs we should be getting better results.