Bards need songs. Please consider making Insults a Spontaneous Song ability instead of costing sp.

Tier 1: Insult
Spontaneous song (expends a song but instant activation): Reduces all saves of nearby enemies by 1 per Core Swashbuckler enhancement (ie -1 for level 1 bard, up to -6 for a level 20 Swashbuckler Bard) for (10/20/30) seconds. Cooldown 60 seconds.

This should not be a multi selector but simply apply to all saves (otherwise having to choose reflex/will/fort reduction makes this almost impractical to use).

Do reference Spellsinger's Tier 1 Haunting Melody: You rework Fascinate with haunting notes, intoxicating yet unnerving. Fascinated creatures are Haunted for (20/40/60) seconds. Haunted: -2 on all Saving Throws, Skill checks and attack rolls.