Very political at the Executive level with many of the folks in roles they may have been good at as a company with $500M in written premium, but not as one with $9B in written premium. Most acquisitions were not integrated properly and most back end processes are poor (and highly decentralized). True leadership is really missing - Corporate Communications are lacking and the CEO is a recluse, not a leader of a Fortune 500 company (try to find a picture of him online).