The Estate of Mary Rogers, Deceased, By and Through Its Personal Representative Arberdella Rogers v. Globe Life and Accident Insurance Company
MEMORANDUM OPINION. Signed by Judge L Scott Coogler on 1/30/2015. (KAM, )
2015 Jan-30 PM 03:19
U.S. DISTRICT COURT
N.D. OF ALABAMA
IN THE UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF ALABAMA
THE ESTATE OF MARY
ROGERS, DECEASED, BY AND
THROUGH ITS PERSONAL
GLOBE LIFE AND ACCIDENT
MEMORANDUM OF OPINION
Before the Court is Defendant Globe Life and Accident Insurance Company’s
(“Globe Life”) motion for summary judgment (Doc. 18) and the Plaintiff’s crossmotion for partial summary judgment. (Doc. 28). Also pending are several motions
submitted by the Plaintiff seeking to strike evidence submitted in support of Globe
Life’s motion for summary judgment (Docs. 12, 22, 23, 24, 26, 27), and one motion to
strike filed by Globe Life. (Doc. 36.) For the reasons stated below, both Globe Life’s
motion for summary judgment and Plaintiff’s cross-motion for partial summary
judgment are due to be denied.
Page 1 of 18
On May 21, 2009, Globe Life issued an accidental death life insurance policy for
the life of Gregory Rogers (“Mr. Rogers”). Benefits were payable to Mr. Rogers’
mother, Mary Rogers (“Mary”), “[u]pon receipt of due proof of the Accidental Death
of the insured while coverage of such Insured is in force.”1 (Doc. 20-1 at 4.)
“Accidental Death” is defined as “[d]eath due to Accidental Bodily Injury caused by
an Accident occuring while the insurance is in force.” (Doc. 20-1 at 5.) “Accidental
Bodily Injury” is defined as “[u]nexpected traumatic damage to the insured’s body,
of external origin.” (Id.) An “Accident” is defined as a “fortuitous event, unforeseen
and unintended.” (Id.)
Mr. Rogers was a fifty-one year old male from Pleasant Grove, Alabama who
worked as a truck driver. Mr. Rogers suffered from diabetes and hypertension and took
medication to control those conditions. On June 25, 2011, Mr. Rogers departed his
home, either to go to a club or to meet a friend of his. His family never saw Mr. Rogers
Mr. Rogers’ family, who were close with each other, began to worry when Mr.
Rogers did not return their calls the night of June 25. The next day, Mr. Rogers’ sister
Because of the many individuals in this case with the last name of “Rogers,” the members
of the Rogers family will be called by their first names in this opinion for ease of identification.
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Arberdella Rogers (“Arberdella”) began calling Nikki Rogers (“Nikki”), Mr. Rogers’
wife, early in the morning. Nikki did not answer, but eventually called and spoke to
Mary. That same day, Arberdella and Mary went to Mr. Rogers’ home and spoke to
Nikki. Nikki reportedly told them that she was unaware if Mr. Rogers had returned
home that night, speculated that he had potentially “wandered off” due to his
diabetes, and also began to talk about “all these women” that Mr. Rogers was involved
with. (Doc. 20-3 at 18.) Mary then asked Nikki if she had reported Mr. Rogers missing,
and Nikki said that she had. Arberdella and Mary told Nikki to contact them if she
heard from Mr. Rogers, and then left the house to drive around town looking for him.
Nikki had not actually filed a missing persons report for Mr. Rogers, although
she had called the police concerning his disappearance. Mary filed a missing person’s
report with the Pleasant Grove Police Department on June 27, 2011. On June 29, 2011,
Mr. Rogers was found deceased on the northbound entrance ramp to I-65 in Chilton
County. The second row seats of the truck had been folded back, and his body was
wedged between the back of the front seats and the floor in the back of the truck. (Doc.
29-2 at 13.) Mr. Rogers’ body was face down, with his knees flexed against the rear
passenger door. Several objects were found in the truck, including Mr. Rogers’ wallet,
his phone, and several handguns that he owned. Two garage door openers were also
found in the truck, even though it was Mr. Rogers’ customary practice to keep one
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garage door opener in his truck and the other in Nikki’s car. (Doc. 20-3 at 29.)
Mr. Rogers’ body was badly decayed by the time it was found. On June 30, 2011,
Dr. Stephen Boudreau (“Dr. Boudreau”) performed an autopsy on the body. Dr.
Boudreau was unable to determine the specific cause of Mr. Rogers’ death due to the
advanced state of decomposition at the time of the autopsy. The autopsy revealed no
evidence of any injury to Mr. Rogers’ body. (Doc. 20-8 at 3.) The autopsy also listed
both the cause and manner of his death as “undetermined.” (Doc. 20-7 at 2.) Globe
Life denied Mary benefits under the insurance policy because it determined that Mr.
Rogers’ death was not an “accidental death” under the terms of the policy. On August
5, 2014, after speaking with Dr. Boudreau and examining the autopsy report, the
Chilton County Coroner Awlahjaday Agee (“Agee”) amended Mr. Rogers’ death
certificate to state that the manner of Mr. Rogers’ death was natural causes.
Plaintiff filed suit against Globe Life on September 23, 2013, alleging breach of
contract against Globe Life in the Circuit Court of Jefferson County, Alabama. Globe
Life removed the case to this Court on November 1, 2013.
Standard of Review
Summary judgment is appropriate “if the movant shows that there is no genuine
dispute as to any material fact and the movant is entitled to judgment as a matter of
law.” Fed. R. Civ. P. 56(a). A fact is “material” if it “might affect the outcome of the
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suit under the governing law.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248
(1986). There is a “genuine dispute” as to a material fact “if the evidence is such that
a reasonable jury could return a verdict for the nonmoving party.” Id. The trial judge
should not weigh the evidence but must simply determine whether there are any
genuine issues that should be resolved at trial. Id. at 249.
In considering a motion for summary judgment, trial courts must give deference
to the non-moving party by “considering all of the evidence and the inferences it may
yield in the light most favorable to the nonmoving party.” McGee v. Sentinel Offender
Services, LLC, 719 F.3d 1236, 1242 (11th Cir. 2013) (citing Ellis v. England, 432 F. 3d
1321, 1325 (11th Cir. 2005)). In making a motion for summary judgment, “the moving
party has the burden of either negating an essential element of the nonmoving party’s
case or showing that there is no evidence to prove a fact necessary to the nonmoving
party’s case.” Id. Although the trial courts must use caution when granting motions
for summary judgment, “[s]ummary judgment is properly regarded not as a disfavored
procedural shortcut, but rather as an integral part of the Federal Rules as a whole.”
Celotex Corp. v. Catrett, 477 U.S. 317, 327 (1986).
The fact that there are cross-motions for summary judgment does not change
the standard. Even though both sides allege that no genuine issue of material fact
exists, the Court must still evaluate each motion under the Rule 56 standard,
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determining whether either party has established that it is entitled to judgment as a
matter of law. See Griffis v. Delta Family-Care Disability, 723 F.2d 822, 824 (11th Cir.
1984). The Court has considered each motion in the light most favorable to the
opposing party in order to determine whether the Rule 56 standard has been met. See
Mize v. Jefferson City Bd. of Educ., 93 F.3d 739, 742 (11th Cir. 1996).
Globe Life’s Motion for Summary Judgment
Globe Life has moved for summary judgment on Plaintiff’s complaint. In a suit
on an accidental death policy provision, the “plaintiff has the burden of proving that
the death of the insured resulted, ‘directly and independently of all other causes, from
bodily injuries effected solely through external, violent and accidental means.’” Nat’l
Life & Acc. Ins. Co. v. Allen, 234 So.2d 567, 572 (Ala. 1970) (quoting Inter-Ocean Cas.
Co. v. Foster, 147 So. 127 (Ala. 1933)); see also Roberson v. Gulf Life Ins. Co., 655 So.2d
953, 956 (Ala. 1995). A prima facie case is made when the plaintiff shows “(1) the
issuance of the policy, (2) death by accidental means and (3) notice to the insurer.” Id.
A certified copy of a death certificate is “presumptive evidence of the facts therein
stated. . . .” Ala. Code. § 12-21-101 (1975). However, the plaintiff has a right to
contradict the cause of death stated in the death certificate. Union Central Life Ins. Co.
v. Scott, 236 So.2d 328, 334-34 (Ala. 1970).
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In Allen, the Alabama Supreme Court held that a plaintiff had failed to submit
sufficient evidence to prove that the insured’s death was accidental under an
accidental death insurance policy. 234 So.2d at 572. The deceased in that case was
found by his mother in front of her home, after she went to answer the door bell. Id.
at 571. There was an abrasion on the side of the deceased’s head that was not touching
the sidewalk, and fresh blood was found next to his mouth. Id. His watch, the day’s
take from his workplace, the bag of groceries he had purchased minutes before, and his
wallet were all missing. Id. A detective testified that in his “professional opinion,” if
the deceased’s wallet or the day’s take were not on his body when found, “that would
indicate foul play.” Id. The deceased’s death certificate showed that an autopsy had
been performed and that his death was caused by heart disease. Id. at 572. The
Alabama Supreme Court determined that there was “no evidence that the insured’s
death was caused through ‘external, violent and accidental means.’” Id. Although
there was a number of suspicious circumstances surrounding the insured’s death, such
as the missing items and injuries to his body, there was no actual evidence to show that
the death was caused by anything other than natural causes. Id. The detective’s
speculation as to what was indicated by these suspicious circumstances was not
sufficient evidence, because “[v]erdicts may not be rested upon pure supposition or
speculation, and the jury will not be permitted to merely guess as between a number
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of causes. . . .” Id. (quoting Colonial Life & Accident Ins. Co. v. Collins, 194 So. 2d 532,
537 (Ala. 1967)).
The only question in this case is whether Mr. Rogers died by accidental means
under the terms of the insurance policy. Globe Life points to a number of pieces of
evidence that indicate that Mr. Rogers died of natural causes, and argues that Plaintiff
is therefore excluded from recovering under the policy. This evidence includes the
amended death certificate listing Mr. Rogers’ manner of death as “natural cause[s]”
(Doc. 20-11 at4), which constitutes prima facie evidence that Mr. Rogers died of
natural causes. Globe Life also points to the autopsy performed by Dr. Boudreau (Doc.
20-7) and Dr. Boudreau’s declaration (Doc. 20-8), both of which state that no physical
injury was found on the body. Dr. Boudreau, who performed the autopsy, and Agee,
the coroner who revised Mr. Rogers’ death certificate to state that he died of natural
causes, indicate that they believe he died of natural causes because there is no medical
evidence to indicate that he did not, rather than because they had actually determined
Mr. Rogers’ specific cause of death. (Doc. 20-10 at 4; Doc. 20-8 at 3.)
In response, Plaintiff points to only two relevant pieces of evidence. Plaintiffs’
primary piece of evidence is the opinion of her expert witness, Dr. James Lauridson
(“Dr. Lauridson”), a medical doctor and forensic pathologist. Dr. Lauridson stated
in his deposition that there “were not any conditions that would cause [Mr. Rogers]
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to die suddenly” or over a period of time naturally. (Doc. 39-1 at 5.) In his expert
report, he said that the positioning of Mr. Rogers body “required the action of one or
more persons,” and that therefore “the possibility is strong that other persons
contributed to or caused the death of Mr. Rogers.” (Doc. 29-2 at 13.) He stated that
there was no evidence that Mr. Rogers’ death was of natural causes, and that due to
the “unusual death scene it is my opinion beyond reasonable medical certainty that the
manner of death be considered homicide.” (Doc. 29-2 at 13.) The Plaintiff has also
included the affidavit of Aberdella, who states that Mr. Rogers and his wife had a rocky
relationship; that Mr. Rogers was in the habit of only keeping one garage door opener
in his truck, but two opners were found along with Mr. Rogers’ body; and that Mr.
Rogers did not go south of Birmingham, where his body was found. (Doc. 29-1 at 2.)
Globe Life argues that Dr. Lauridson’s opinion testimony is just like the opinion
testimony of the detective in Allen, which was determined to be insufficient evidence.
Like Allen, this case presents a situation where the death certificate states that the
insured died of natural causes, while the unusual circumstances surrounding the death
give rise to the possibility that the death was caused by other means. What makes this
case different from Allen is that Plaintiff has provided more evidence than simply a set
of unusual circumstances surrounding Mr. Rogers’ death and a detective’s statement
concerning possibilities. The Plaintiff has provided the expert opinion of a medical
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doctor and forensic pathologist who determined that to a “medical certainty” Mr.
Rogers death was not of natural causes but was instead a homicide. (Doc. 29-2 at 13.)
Additionally, the death certificate in this case only stated that Mr. Rogers died of
“natural causes” rather than providing a specific manner of death, like in Allen,
because a specific cause of death could not be determined. Rather, a determination was
made that due to the absence of evidence that Mr. Rogers died of anything other than
natural causes, he was presumed to have died for that reason. (Doc. 20-10 at 3-4.) Both
sides have presented differing expert medical opinions as to the cause of Mr. Rogers
death—this is enough to create a jury question on the issue of whether Plaintiff is owed
money under the accidental death policy. Therefore, Globe Life’s motion for summary
judgment is due to be denied.
Plaintiff’s Motion for Partial Summary Judgment
Plaintiff has also filed a cross-motion for partial summary judgment. (Doc. 28.)
Globe Life filed a Motion to Strike the cross-motion on the grounds that it was filed
six days after the dispositive motion deadline in this case. (Doc. 35.) Plaintiff then filed
a motion for a retroactive extension of the dispositive motion deadline. (Doc. 38.) For
the sake of efficiency, the Court will grant that motion, and take up Plaintiff’s motion
for partial summary judgment at this time.
Plaintiff argues for summary judgment on only one particular issue: that Globe
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Life has failed to prove what Plaintiff calls their “obvious” contention that Mr. Rogers
died as a result of failing to take his prescribed medication, because they have failed to
provide medical or scientific evidence establishing this as a possible cause of death.
(Doc. 29 at 8-10.) Plaintiff therefore argues that if she carries her initial burden at trial
of proving that Mr. Rogers’ death was “accidental” under the insurance policy, then
a verdict should be automatically entered in her favor as Globe Life would be unable
to prove its contention that Mr. Rogers died as a result of failing to take his
medication. (Doc. 29 at 11.)
However, as correctly pointed out by Globe Life, it has not made the contention
that Mr. Rogers’ death was caused by failure to take medication. (Doc. 30 at 4.) Globe
Life has asserted nothing more than that Mr. Rogers’ death was due to natural causes,
has provided expert medical testimony that Mr. Rogers died of natural causes, and it
is not required to do any more than that. The Court declines to make such a
determination as the Plaintiff requests on an argument that Globe Life has not made.
Therefore, Plaintiff’s cross-motion for partial summary judgment is due to be denied.
Motions to Strike
Declaration of Dr. Boudreau and Affidavit of Agee
Plaintiff filed a motion to strike the declaration of Dr. Boudreau and the affidavit
of Agee (doc. 22), and Globe Life filed a response to that motion. (Doc. 25.) Plaintiff
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then supplemented and amended the original motion (doc. 26), and Globe Life then
filed a supplemental response. (Doc. 33.) On summary judgment, a party “may object
that the material cited to support or dispute a fact cannot be presented in a form that
would be admissible in evidence.” Fed. R. Civ. P. 56(c)(2). A hearsay statement may be
considered “in passing on a motion for summary judgment if the statement could be
‘reduced to admissible evidence at trial’ or ‘reduced to admissible form.’” Macuba v.
Deboer, 193 F.3d 1316, 1323 (11th Cir. 1999); see also Rowell v. BellSouth Corp., 433 F.3d
794, 800 (11th Cir. 2005).
The original motion to strike stated that Globe Life had failed to disclose, in its
initial disclosures, its intent to rely upon the testimony of Dr. Boudreau and Agee until
it filed the Motion for Summary Judgment, well outside of the applicable limitations
for disclosure given in the Courts scheduling order. Plaintiff fails to recognize that she
requested that the Court extend the time for expert disclosures (doc. 12), and that the
Court did so. Globe Life has submitted evidence that it did indeed disclose its intent
to use the testimony of Boudreau and Agee within the revised deadlines. (Doc. 25-1 at
3-5.) Therefore, failure to disclose an intent to rely on the expert testimony of these
witnesses is not proper grounds to strike this evidence.
In its amended and supplemented motion to strike, Plaintiff states that
paragraph 5 of Agee’s affidavit should be stricken since it is based upon inadmissible
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hearsay. In that paragraph, Agee states that he “discussed the matter with Dr.
Boudreau,” and that based “upon my discussion of his findings” and Agee’s own
review of the autopsy, he decided to amend the death certificate to state that the
manner of death was natural causes. (Doc. 20-10 at 3.)
Hearsay is a statement that the “declarant does not make while testifying at the
current trial or hearing” and is offered “in evidence to prove the truth of the matter
asserted.” Fed. R. Evid. 801(c). A statement is “a person’s oral assertion, written
assertion, or nonverbal conduct, if the person intended it as an assertion.” Fed. R.
Evid. 801(a). In this case, paragraph 5 is not hearsay; Agee is not relaying any
statements made by Boudreau during their discussion, but instead stating the opinion
that he developed and actions that he took after speaking with Boudreau and
performing his own review of the Autopsy Report. Therefore, Plaintiff’s motions to
strike the declaration of Dr. Boudreau and affidavit of Agee are due to be denied.
Amended Death Certificate
Plaintiff has filed both a motion to strike Mr. Rogers’ amended death certificate
(doc. 23) and an amended motion to strike the amended death certificate. (Doc. 27.)
Globe Life has filed a response. (Doc. 34.) Plaintiff argues that the amended death
certificate should be struck from the record because she was not notified of Globe
Life’s intent to rely upon the amended certificate until after the discovery deadline had
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passed. Plaintiff also argues that the amended death certificate should be struck
because it is based upon inadmissible hearsay, as the coroner who prepared the
certificate stated that he amended it after talking to Dr. Boudreau.
As an initial matter, Fed. R. Evid. 803(9) specifically provides that public
records of death, if reported to a public office in accordance with a legal duty, are not
excluded by the rule against hearsay. Plaintiff points to no reason why the fact that the
coroner who prepared the amended death certificate discussed the case with someone
else before amending the certificate would make an admissible public record
inadmissible, and the Court cannot see one. Therefore, this reason to strike is
As to filing after the discovery deadline, Plaintiff has made no argument that she
was in any way prejudiced by not being informed of the amended death certificate
before the close of discovery. Discovery was due by September 30, 2014. Globe Life
included the original death certificate in its initial disclosures to the Plaintiff. The
death certificate was then amended on August 5, 2014, and recorded by the Alabama
Department of Vital Statistics on August 19, 2014. Globe Life states that they only
learned that the death certificate had possibly been amended in early October of 2014,
and notified Plaintiff’s counsel of that possibility on October 2. Globe Life obtained
a copy of the amended certificate on October 9, and provided a copy to Plaintiff’s
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counsel via email on October 13. (Doc. 34-1.) The amended death certificate was a
public record that was equally available to the Plaintiff and Globe Life, and was
prepared by the Chilton County coroner, a public official, not by Globe Life. Due to
the lack of prejudice, the death certificate’s nature as a readily available public record,
Globe Life’s lack of control over the timing of the amendment, and the speed with
which Globe Life informed Plaintiff’s counsel of the amended certificate once it
discovered it, there is no reason not to consider the amended certificate in ruling on
summary judgment. Therefore, the motions to strike the amended death certificate are
due to be denied.
Deposition Testimony of Michael Varden
The Plaintiff has filed a Motion to Strike some of the deposition testimony of
Michael Varden (doc. 21), and Globe Life has filed a response. (Doc. 31.) This
deposition testimony concerns a witness, Michael Varden, who says that he spoke to
Mr. Rogers on the side of the road shortly before Mr. Rogers death. The Plaintiff seeks
to strike several statements that it argues are inadmissible hearsay, and also to strike
testimony that was elicited during Mr. Varden’s deposition by what the Plaintiff states
were leading questions. However, it was not necessary for the Court to use this
evidence in deciding upon the instant motions for summary judgment. Therefore, this
motion is due to be denied as moot.
Page 15 of 18
Expert Report and Affidavit of Dr. Lauridson
Globe Life has moved to strike the expert report and affidavit of Dr. Lauridson
offered by the Plaintiff in opposition to Globe Life’s motion for summary judgment.
(Doc. 36.) Globe Life argues that the expert report should not be admitted because it
is unsworn expert testimony without proper attestation; and that the affidavit should
not be admitted because it is a new opinion not disclosed in Dr. Lauridson’s expert
report. The Plaintiff’s response was to argue that this was “nothing more than a
technical defense” and submit Dr. Lauridson’s deposition testimony in support of his
expert opinion report. (Doc. 39.)
In Carr v. Tatangelo, 338 F.3d 1259, 1273 n.26 (11th Cir. 2003), the Eleventh
Circuit addressed an unsworn “preliminary report by [an] expert witness” when
reviewing a grant of summary judgment. The court found that the unsworn report was
properly excluded, stating that:
Importantly, the alleged expert’s report is unsworn. Only “pleadings,
depositions, answers to interrogatories, and admissions on file, together with
affidavits” can be considered by the district court in reviewing a summary
judgment motion .. . Unsworn statements do not meet the requirements of [Rule
56] and cannot be considered by a district court in ruling on a summary judgment
motion. Because the preliminary report was submitted without attestation, it had
no probative value. . . .
Id. (Internal citations omitted). Under this precedent, “an unsworn opinion can be
considered only if there are supporting affidavits, made on personal knowledge, that
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‘show affirmatively that the affiant is competent to testify to the matters related
therein.’” Southland Health Servs., Inc. v. Bank of Vernon, 887 F.Supp.2d 1158, 1169
(N.D. Ala. 2012) (quoting Fed. R. Civ. P. 56(c)(4)).
In light of the fact that the Plaintiff has submitted sworn deposition testimony
in which Dr. Lauridson has attested to his opinions, this Court will consider his report
on summary judgment. Therefore this portion of Globe Life’s motion is due to be
Dr. Lauridson’s affidavit, on the other hand, is solely concerned with the
deposition testimony of Gregory Varden, which was the subject of another motion to
strike. Because it was not necessary for the Court to consider that testimony in ruling
upon summary judgment, that portion of this motion concerning the related affidavit
is due to be denied as moot.
Opinion Testimony of Proposed Expert William Gault
Plaintiff has also filed a motion to exclude the testimony of proposed expert
William Gault. (Doc. 24.) As correctly pointed out by Globe Life, Gault’s testimony
was not offered by Globe Life as evidence on summary judgment. (Doc. 32.)
Therefore, this motion is due to be denied as moot.
For the foregoing reasons, Globe Life’s motion for summary judgment (Doc.
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18) is due to be DENIED. Plaintiff’s cross-motion for partial summary judgment (Doc.
28) is due to be DENIED. Plaintiff’s motions to strike the declaration of Boudreau and
the affidavit of Agee (Doc.22, 26) are due to be DENIED. Plaintiff’s motions to strike
Mr. Rogers’ amended death certificate are due to be DENIED. (Doc. 23, 27.)
Plaintiff’s motion to strike the deposition testimony of Varden is DENIED as moot.
(Doc. 21.) Globe Life’s motion to strike the expert report and affidavit of Dr.
Lauridson is partially DENIED and partially DENIED as moot. (Doc. 36.) Plaintiff’s
motion to exclude the testimony of proposed witness William Gault is DENIED as
moot. (Doc. 24.)
A separate order will be entered.
Done this 30th day of January 2015.
L. SCOTT COOGLER
UNITED STATES DISTRICT JUDGE
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