Morale in many areas is down due to the major changes that are taking place. There always seems to be some sort of reorganization going on, causing extreme changes in business process, office closures, files moving from one office/jurisdiction to another. I used to feel extremely proud to say I worked for Liberty Mutual, but with the frequent office closings and staff changes it is difficult to tell someone that it is a good place to work. People get jobs with a Fortune 100 company, and within a year are out of a job because an office is closing. How is that reponsible?