 Start Time: 17:00 January 1, 0000 5:56 PM ET Kemper Corporation NYSE:KMPR Q3 2022 Earnings Conference Call November 02, 2022, 17:00 PM ET Company Participants Joseph Lacher - Chairman, President and CEO James McKinney - EVP and CFO Duane Sanders - EVP, President, Property Casualty Division Karen Guerra - VP, IR Conference Call Participants Gregory Peters - Raymond James Paul Newsome - Piper Sandler Brian Meredith - UBS Gary Ransom - Dowling Partners Andrew Kligerman - Credit Suisse Operator Good afternoon, ladies and gentlemen, and welcome to Kempers Third Quarter 2022 Earnings Conference Call. My name is Drew, and Ill be your coordinating your call today. 