Topics covered: Variable annuity business outlook, Treasury loan to AIG, Trader's market and pair trades, Stock recommendations, Regulatory outlook, Raising capital, Poor equity markets, Mergers and acquisition activity, Market Volatility, Management quality, Investor interest, Increase in claims, Impact of the credit crisis, Hoarding cash resources, Exposure to subprime and derivatives, Disability insurance, Default risk, Cutting expenses, Credit ratings, Access to TARP funds