I agree mate. The only thing I will say in Jag's defence is that he looks fine alongside Stones. I don't think he has any confidence alongside Distin anymore, although it's probably the same vice versa!
Completely agree about Howard, he's a joke. Only makes saves when we're miles ahead, and literally never keeps us in a game (and it has always been the case!). When you consider that Liverpool got rid of Rein, and we still have Howard, it is mind boggling. Probably the most average goalkeeper to have lasted at a top team in my memory.