Management also confirmed something the earlier section only inferred, without quite putting it in these words. Kemper just unified underwriting, pricing, product, and claims for auto under one new P&C leader, Eric Kappler, whom McAnena described as bringing deep experience in non-standard auto, and welcomed a new board member, Tony DeSantis, who spent a decade in the same niche. That’s Kemper’s own leadership using the same non-standard-auto framing laid out above.