Westchester Fire Insurance Company v. Mid-Continent Casualty Company

Filing 89

Court Findings and Conclusions. Signed by Chief Judge Federico A. Moreno on 6/21/2013. (tkn)

UNI
TED STATES DI
STRI COURT FOR THE
CT
SOUTHERN DI
STRI OF FLORJ
CT
DA
M i m iD i s o
a
vi i n
Cas Num ber 12e
: 21758- V- ORENO
Cl M
W ESTCHESTER FIt I
lE NSUM NCE CO.
,
Pl i if
a ntf ,
VS.

M I CONTI
DNENT CASUALTY CO.
,
D e e nt
f nda .

CO URT FI NGS AND CONCLUSI NS
NDI
O
Thi i as tbya e es i m a ec ri rag ns t prma yi ur rf c
s s ui
n xc s ns nc a re ai t he i r ns e or omm onl w ba
a d
f ih a Fl i saut y bad f t Pl i ifW esc se Fie l ur e Compa st c
at nd orda t t or
aih. antf
the tr r ns anc
ny' wo- ount

c
ompli alege t tDe e ntM i contne Cas ly Com pa a t d i badf t i f lngt
ant l s ha f nda
d- i nt uat
ny c e n
aih n aii o
s tl t unde l ng aci n. Afe c
e te he
ryi
to
tr onduc i abe h ti ,t Cour pur ua t Fe r lRul of
tng
nc ral he
t s nt o de a
e
Ci lPr e e 5 m a fndi off ta s pa ae c usonsofl ass outi t sor r
vi oc dur 2 kes i ngs ac nd e r t oncl i
aw
et
n hi de .
The Cou tco l
r ncudes t t W e the t rs evi nc of M i contne ' bad f ih t s tl t
ha
sc se '
de e
d- i nts
at o e te he
u ryi cli bef etili i ufii nt
nde l ng am
or ra s ns fc e .Howe r t Cour a s fndst tW e t hese has
ve , he
t lo i
ha
sc t r
pr n byapr ponde anc oft evi ncet tM i contne a t di badf t i f lngt notf
ove
e
r e he de ha d- i nt c e n
aih n aii o iy

W e thetro te s tlme to fra trte v r it Theeo ej d me ti fv ro Plitf
sc se f h et n fe fe h ed c. rf r u g n n a o f anif
e
W esc se Fiel lr nc Co pa i e e e i t a ountof$390, 73.
t he t r r nsza e m ny s nt r d n he m
1
1 FA CTU AL BAC K G R O UN D
.

On Ma 1 2 0 J s sP l d s fe e mu t eij re whl o e ai ac n rt
y 9, 0 3, e u il o u f rd li n u is ie p r t
a
pl
ng o cee
m i rt ck mmmf t e a s d by Con i t lM a a t i I Ac or ngt Pildo,t
xe nl
acur d nd ol
tnen a nuf curng, nc. c di o la he

tu k' arhop ra s
r c s i pe s embl dr d o hi whe heatempt d t l ri wih a tr ion a t
y oppe n m
n
t e o owe t t ie r fer
t as e y ha be m ewe d i t u i poston.Asar s toft ac i nt Pil
he s mbl d co
dge n he prght ii
e ul he c de , lado

s fee s v r ln u isicu igb and ma ea d fa tr dv re r e Pild s bsq e t
u frd e ea ij re n ldn r i a g n r cu e etb a . l o u e u nl
a
y
fld apr du slabiiy s tag ns Contne a on J nuar 1 2006i M i - de Cot y,
ie
o ct i lt ui ai t
i nt l a y 2,
n amiDa
mt
Fl i
orda.

Durng t stm e Contne a ha aprm a y i ur nc polc of$1m ilon is d by
i hi i ,
i nt l d i r ns a e iy
li s ue
De e ntM i co i nt n a ton,Contne alpos es e an umbr l i ur nc polc fom
f nda
d- ntne .l ddii
i nt
s sd
ela ns a e i y r

Pli tf W e t hese wih a $5m ilon lm i.W esc t rsum br lapolc sood i e s t
a n if sc t r t
li i t
t hese '
e l iy t n xce s o
M i contne ' prmar polc c i c ran dnma and o ure e
d- i nts i y iy, overng e ti
ges
cc r nc s.
I t e ui ltga i M i contne pr de adef ns f Contne a t oug
n he ns ng ii ton, d- i nt ovi d
e e or
i nt l hr h
a t ne M iha J Pa i. Prort til Pil r pr s nt d by a t ne Sc tSandlr pr s nt
tor y c el . rs i o ra , lado, e e e e
tor y ot
e , e e ed

a e onomi l se ee ng$1m ilon.Fu t r o e hei e
n c
c os xc di
li
rhe m r , nt nded t pr
o oducee rswhowoul
xpe t
d
t siy a tilt tt ac i ntr s t d i s ve a fac u e , an da a ,pe mane hemi
e tf t ra ha he c de e ule n e r l r t r s br i m ge r
nt
ng

l s aur l i a i im e r rng ape l i a ,and a e c r to ofhi glucoma
os , o og c l mpar nt equii
nie mpl nt
n xa e bai n
s a
c usng asgnii a de r s i vii n i hi l f e
a i
i fc nt c ea e n so n s e t ye.
I e l Ja r 2008,de e ec ns Parsc
n ary nua y
f ns ou el i onduc e am oc tilwih t s par t
td
k ra t wo e ae

j r p ol.Th frt o o tn rs l di sve u o sfn n f rCo tne tl iete
u y o s e is p ol f e e ut n e nj r r idig o ni n a whl h
e
r mai ng t eef
e ni hr ound i f vo ofPil a r ng hi $2 milo t $ m ilon i dn
na r
lado, wa di m
li n o 4 li n mage .
s
Thes t eea s as i
e hr lo sgned 0% t 1 ofc
o 0%
ompa a i f tt Pil
r tve aul o lado. l t s cond poolof
n he e

s v n tr ej r r f u di fv rofCo tn n a wh l teoh rf u f u df rPi a o a r ig
e e ,h e u o s o n n a o
n ie tl ie h te o r o n o l d , wadn
l
hi $2. milon t $3 milon i dn a .The ef raddii lyas i ned 1 t 25% of
m 3 li o
li n m ges
s ou
tonal sg
0% o
co r tvef ul t Pildo.Pa i woul lt rsae t theçla ned s ve alt ngs'fo t
mpa a i a t o la
rs
d a e t t ha
te r
e r hi ' r m he
m oc ti t heped hi t de op hi ti lsr e a sr ngt n hi c s . Ex.26,a 22.
k ral hat l
m o vel
s ra tatgy nd te he s a e
t

Folwigtemo ktil M i- ni n ' camsa j se , y i Se n , o cu e
lo n h c ra, d co tne ts li du tr Alca tve s c n ld d
t a a u ywo l a r Pild $16mil nt $ milo i d ma e i if u di h sfv r
h t j r ud wad l o . li o 2 l n n a g s f t o n n i a o .
a
o
i
Neve t l s Stve beleve t tPil do wa i f ct75% t 90% c
rhees , e ns i d ha la
sn a
o
ompar tvey a f ul ba e
ai l t a t s d
o an be off c or t ts t i o a count Thes f cor i l
n um r a t s ha he ook nt c
.
e a t s ncuded t lck ofwine s st
he a
t se o
t a i nt t i biiyofa e r t r c eae t ac i ,hepr s nceofwa nngson t
he ccde , he na lt
n xpe t o e r t he cdent t
ee
ri
he
tu k,he lck ofa de e t i t tuc a t f ctt Pildo ate pt t l
rc t a
ny f c s n he r k, nd he a hat la
tm ed o owert hopper
he

i am a rt twa noti e d. l d,Stve f tt tanum be ofPil salege
n
nne ha s
nt nde ndee e ns el ha
r
lado' l d

ij re ,n ldn tepe iei ln a da g a ae g a c ma we en te e r ltdt te
n u is icu ig h n l mpa t n g rv td lu o , r o v n eae o h
a i nt Cons nty,s r omm e d a s te ntr ngeof$1 000 t $500,
ccde .
eque l he ec
nde etl me a
65, o
000. Thus a
,
we k pro t me ai M i contne s it as tlm e ofe of$1 000.Pildo att s
e i r o di ton, d- i nt ubm ted e te nt f r
00,
la
hi
tme de
i
mand $3. m ilon t s tl hi cli .
ed 5 li o e te s am
On J nua y 22,2008,t pari shed t rfr tm e ai n.Though M i co i nt
a r
he te l hei is di to
d- ntne

i r as d isofe t $1 000and lt r$200, t me a i r s t d i a i s ea
nc e e t f r o 50,
ae
000, he diton e ule n n mpa s s
Pil onl l r d hi poston t $3. m ilon. St nslt rt tfed t tM i contne was
lado y owe e s ii o 3 li
eve a e esii ha d- i nt
notpr par d t ofe a lr ramountwihi iss tl me r nge s ast a d a i
e e o f r a ge
t n t e te nt a
o o voi ny mpac on
t

f t e s tlm e ne i to .I M i contne ' esi ton,i i ofe e a a o a t hi
' ur e te nt gotai ns n du
i nts tma i f t f r d n m unt t he gh
e ofisr
nd t angee ry o Pil woul us t tfgur asabas a ou i f ttenego itons
a l n, lado
d e ha i e
e m nt n u tr
ta i ,
he ubsa i p we n lado'
t r by i r sng t fna s tl ntfgtr l lghtoft s tntalga bet e Pil s
he e nc ea i he i l e teme i le. n i
de a a M i contne ' pr e r nge,M i con i ntf ti woul be f tl t i r s
m nd nd d- i nts opos d a
d- tne el t
d
u ie o nc ea e
is of e .
t fr

On Fe ua y 1 2008,W e the tri s d isfr tde a f M i contne t s tl t
br r ,
sc se s ue t is m nd or di nt o e te he
c s ,e n oferng t c rbut a a ountfom islye ofcove a i M i contne m a a
a e ve f i o onti e n m
r t a r
r ge f di nt de

$1milon ofe . W e these f l
li f r
sc t r olowed t sr ques wih t s c svede a on M a c 11
hi e t t wo uc es i
m nds
rh ,

2008a M a 1 2008f a s tl ntwihi M i con i ntspolc lm is Att stme,
nd y 3,
or e teme
t n d- tne ' i y i t . hi i

Pildo ha f t rr e hi s tl me de a t $2 m ilon.Alhoug M i contne had
la
d urhe educ d s e te nt m nd o
li
t h d- i nt
now ex nde ove $3 000i ltga i c t,t i ur ncec
pe d r 00, n ii ton oss he ns a
ompa sood putatis$ 000
ny t
t 200,
ofe .W hiet pa te s dul d as c m e aton f M a 21 2008 t m e tng was
fr
l he ri s che e e ond di i or y ,
, he ei
ca e e a Contne a ' a M i co i ntsr que t
nc l d t
i nt ls nd d- ntne ' e s .

M i contne t r afe be contm pltng t pur has ofPil swor r s
d- i nt he e tr gan
e a i he c e
lado'
ke '

c pe ai n len vaued a a oxi e y$500, Thei ur ncec pa hope t tdoi
om ns to i l t ppr matl
000.
ns a
om ny
d ha ng
s wou d r move apotntalsumblng bl i f ur s te
o
l e
e i t
i ock n ut e etl mentnegotatonsby e i nai t
ii
lmi tng he
u rai y t tPil woul ot nv s f c i ha ng t ne i t as ts a ton oft le i
nce t nt ha lado
d he ie a e n vi o gotae ai f c i
he in n

a ton t s tlng hi cli .M or ove , i contne wihe t r
ddii o eti s a m
e r M d- i nt s d o emove $500, fo
000 r m
Pil spot nta dama ,e t rby pr ve i Pildo fom boa di t ta
lado' e i l
ges ihe
e ntng la r
r ng ha mountorby
r que tnga s tof fom t g os ve di t De piel alunc ti y t i c d a t ly
e si
e - f r he r s r c . s t eg
era nt hat t oul c ual
a co pls t sr duc i i Pildo' t t ld ges Co i nt le nt lypur ha e t le
c m ih hi e ton n la s o a nma , ntne a ve ua l
c s d he i n

f $55,
or 000.
W ih t ptr ha eoft le de e ecouns lPa i a oa hedpli ifsc
t he lc s
he i n, f ns
e rs ppr c
antf ouns
el

Sa erf rf rhe ne itonsi Aprl2009.Pildo ho ve r f e t at rhi $2 m ilon
ndl o u t r gota i n i
la
we r e us d o le s
li

ofe .Pa i t n a s d Sa e t t c ewoul nots tl f a a ountcos t $1
f r rs he dvie ndlr hat he as
d
e te or ny m
l eo
m ilon,i udi a fgur i t hi $900, r e. Sandlri caed a t stmet the was
li ncl ng i e n he gh
000 ang
e ndi t t hi i ha
ne ta i wih St n M a ks ar nowne pl ntf sa t ne i M im iDa Co mt t alow
go itng t eve
r , e
d ai if tor y n n - de t y, o l
M a kst t y t c e. Re a ng t s di c s ons t St ns i a A pr l1 2009 l te ,Pa i
r o r he as
l yi he e s us i o eve n n
i 6,
e tr rs

a knowldge t tSa e mi hta t m o e s tet c am f al rfgur t woul be
c
e d ha ndl r g t he m nt etl he l i or owe i e han
d
pos i e a t rM ar t t c e Though he had t bs ut l no i a ast whatM r Sa e '
sbl f e
ks ook he as .
ç ol e y
a
de
o
. ndl r s

boto lneo r ( s i t spatculrc s ,' rsvent e t ç pe aet ghe c e
tm i r ange wa l n hi ri a a e'Pai
urd o t cult hat t ) as
s

mi hts tl wihi t r
g e te t n he angeof$600, up t $75 000. Ex. a 3.None hees ,Sa e
000 o 0, '
' 23, t
t l s ndlr

h dgv nPai $ oi iaint a (hs a s to ( s i fc hsrng . f .
a ie rs 1 ndc to h t t i) sump in wa ) n a t i a e' #
n
'
W ih M a ksnow aboa d t tyPil sc e,W esche trm a isf t de
t
r
r o r lado' as
t se de t ourh mand f r
o
M i contne t s tl on M a 4,201 Att pr -ra hea i t daysl tr M ar as
d- i nt o ete
y
0. he e ti l rng wo
ae , ks ked
Parsi hewoul bei e ese i a ç gh/ow ag e m e . Though Pa i r quese s cii aton
i f
d nt r t d n l l
hi
r e nt'
'
rs e t d pe lc i
oft t m sofs h a a e m e , ne rr e ve ar pons fom M ar . 0n Jme 9, 0,
he er
uc n gr e nt he ve ec i d es e r
ks
l
201
St ve pr pa e afna pr -ra s
e ns e r d i l e ti l umm a y i whih s esi ae ag os s tl ntr ngeof
r n c he tm td r s e teme a

$1 1 000 wihoutf ct i i a c
, 29,
t
a orng n ny ompar tvef ul.Howeve ,Stvensantcpatd t tt
ai a t
r e
i i e ha he

j r wo l fn Pi a oe trl a fu t o tea cd n .Smial, rssae i h sp etil
u y u d i d l d n iey t a l f r h c ie t i lry Pai ttd n i r -ra
l
l por;
' t
e
I i ourbe ift tt r i a 70% c nc ofade e e ve di ti t sm a tr
ts
le ha he e s
ha e
f ns r c n hi te
a on t 3 tm e outof1 t tt pl ntf ma obt n aver c ,wea ii t a
nd he i s
0 ha he ai if y ai
dit
ntcpae
s t nta n ountofco pa a i ne i e ewilbeas e s d ag ns t
ubsa i l m
m r tve glg nc l
s s e ai t he
pl i if
a ntf .

Co sd rn pli tf' c u s l (ila tcp tdpo iin o l blt a
n ie ig anifs o n es sc n iiae sto f i ii nd
a y
da ge ,webeivet s tlme r oft scli i $1 000-$350, (n
ma s
le he ete nt ange hi am s 50,
000 i
lgh oft stlmen oft wor rsc
i t he ete t he ke ' ompe ai le ,a lke s wih
ns ton in) nd,i wie t
r pec t t s tl ntoft wor rsc
es t o he e teme
he ke ' ompens ton le t ne ve dit
a i in, he t r c

e ur o t sc am i i t r ngeofze oxpos e n hi l i s n he a
r 4650,
000.
Ex. a 24
26, t -25.

I lghtoft e c l i ns t pa te he d f ti li fontofJ
ni
hes onc uso , he ris ade or ra n r
udgeM i e
cha l

Gende M i con i now a s t t tPil do ne rofe e t s tl f M i contne ' $l
n. d- tnent
s ers ha la
ve f r d o e te or d- i nts
milon polc lmi prort t sa tofti l Ne rhees ,M a kst tfed be or t sCour t t
li
iy i t i o he tr ra . ve t l s r esii
f e hi
t ha

hedi i f c r a h outt Pa i i t da be or ti t m a Pildo' fr t$1milon
d n at ec
o rs n he ys f e ral o ke la s is
li
s tlme ofe .M a ksa s i it d t theha i cae awilngnes t f rhe r duc t
e te nt f r
r lo nsse ha
d ndi td
li
s o u t r e e he

de a t $975, t alow M i contne t s vef e.
m nd o
000 o l
d- i nt o a ac
Re r e s t pa te di nots tea t stmeand ti lbega on J 1 201 Pror
ga dl s , he ris d
etl t hi i
ra
n
une 4, 0. i

t j r s lcin, u eGe d nis e hsd cso rg r i t ewo k rsc mp n ainle ,
o u y ee to J dg n e su d i e iin e adng h r e ' o e s to in
a n u cn ta h ç u dalw ( la o t S o r tepa t dc l xp n e a dp s wa e
n o n ig h t e û l l Pild ) o b ad'h s me ia e e s s n a t g
wo
o
ls, u wo l s t h s a u t ofp t e dc (ijb tev leo tel n' Ex. 4, t
o s b t ud e t o e mo n s f os v r it sc y h au f h i .
e ' 3 a 2.
Thef l ngda t pa te c edet M a ksma a$1milon s tlm e ofe t whih
olowi y, he ri s onc hat r
de
li ete nt f r o c

M i contne di notr pond.I f ct M i contne neve ofe ed mor t n $1 0,
d- i nt d
es
n a , d- i nt r f r
e ha 5 000

tr u h u tetil Ont esx hd y aj r rwh h db e e c s db f r Co t e tlsc s i
h o g o th ra. h it a , u o o a e n x u e eo e ni na ' a e n
n
c efsatd i a i e vew wih de e ec
hi t e n n nt r i
t f ns ouns t ts woul ha f
el ha he
d ve ound i f vorofPil
na
lado.
No he e s no e r c d r c eae Pil sac i ntand Pil do t tfed t hewa pa ty a
net l s , xpe t oul e r t lado' c de
la esi
hat
s rl t

fut Ad iin l , natr aej r rwh sttr u h u t ee tr c s a mitdu n e c s l
a l. d t al a l n t u o o a h o g o t h n ie a e d te po x u a
o y
e
t hewoul ha f
hat
d ve ound Pil 50% a f t W e these alo ca mst i is d f mor
lado
t aul. sc t r s li hat t s ue our e
de a f rM i contne t s tl b or t ti lsc
m nds o di nt o e te ef e he ra ' omplton.
ei

Ath c n l i no t etil nJ n 3 , 01 ,h j r r tr e av r iti fv ro
te o cuso f h ra o u e 0 2 0 te u y eu n d ed c n a o f
Pil wih no c
lado t
ompa a i f ul,a r nghi $1, 173.Pa i howe rsilbeleve t the
r tve a t wa di m 705,
rs
ve tl i d ha
c d r cevea $400, r duc i i dnma fom a pori n oft wor r sco pe a i le
oul e i
000 e ton n
ges r
to
he ke ' m ns ton i n.
l tu h,J e Gende i c t d a ahe rng on amoton i lm i o Jme 1 201 t tç
n r t udg
n ndia e t a i
i n i ne n t 7, 0 ha %
he

wa n ticie t alw ( ild )t o ti ado bl rc vey' o itn wi hse rir
s o n l d o lo P l o o ban u e e o r 'c nsse t t i a l
n
a
h
e
saeme t thewoul s tt a o of pos- r c .1 M or ove , hough Pildo cli e
t t nt ha
d e he m unt f tve dit d.
e rt
la
am d

ove $3 000 i c t ,Parsf l t tJ ge Ge n woul nota r hi t sa ountpur ua
r 00, n oss i et ha ud
nde
d
wa d m hi m
s nt
t t Su e Co tsg de i s Thus wih a $ 000r ton fom t le and a a r
o he pr me ur ' ui lne .
, t 400, educ i r he in
n wa d
ofls t n $300, i c t,M i contne e c e a ne awar no t exc d $1. m ilon.
e s ha
000 n oss d- i nt xpe t d
t
d t o ee
6 li

On J y 1 201 M a ksco a t d Pa i t m a a fna s tlm e ofe of$16 milon.
ul 4, 0, r nt c e rs o ke i l e te nt fr
. li
Thef l ng m o ni Pa i s ntan e lt St ve i or i he oft s tlm e ofer
olowi
r ng, rs e
mai o e ns nf m ng r he e te nt f .
Siniianty,Parsdi noti l ar pr e a i ofW e these on t e a lt
g fc l
i d
nc ude e es nt tve
sc t r he m i hough hehad

i l d W e t he tron pr ousr porsr ga di t underyi a i W ihi sx hour,
ncude
sc se
evi e t e r ng he
l ng cton. t n i
s

St ensrple t tt swasC dea frg d- i j' Ex.
ev e id ha hi
i
no l o Mi contnent.
' 36.Shelkewiedi noti o
i s d nfnn
W tsc se oft sofe ,l e t siyi t ts ti dve tnty'omit W esc se fom t
t he tr hi f r atr e tf ng ha he sna re l ' ted
t he tr r he
ema lc r s
i ore ponde e.
nc

Th c u t n ee isfn lu g n a an t n ie tl n S p e e 8 2 0i t e
e o r e trd t ia j d me t g is Co tn na o e tmb r , 01 n h
n
mountof$1990,73.J
, 1
udgeGe n i t e c enott pe mi a s - ff t wor '
nde n he nd hos
o r t etof or he kers
co pe ai len a awa ded Pil $285, i c t as i d t M i contne . W ih t
m ns ton i nd r
lado
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1 1 DI
1 . SCUSSI
ON

Fi dn o c
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tpul t o
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n hi a e. n r t s t he ri ' s ri o he onta y, he
t i ha
W e t he t a M i contne haveonl pr s nt d onef ma diput t ti matra t t
sc ser nd d- i nt
y ee e
ac l s e ha s e i l o he
r ol ton oft sc s . Spe i aly,W e t hese c e t tPil i f tpr e e M i
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c fc l
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Contne wih a ofe t s tl wihi M i contne ' $1milon polc lm i prort t sa t
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li
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t sii d t theha s n wih de e ecouns Pa i a
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ks a me ha
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r duc t fglet $975, asa a tona i e i t s tl M i co i thowe rde e
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onl a tmptt s tl f $1m ilon on t s c da oftil
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e an t sdic e nc t Cour c l sa ama troff tt tPil madea a tmptt
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s tl wihi M i contne ' $1m ilon polc lmi a s epoi prort J 1 201 The
e te t n d- i nts
li
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Cour w ilt r f e t ke t sf c i o a co when m a ng isuli a e de e m i ton i t s
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t

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te
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at
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ta t r
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t heser s

c re tnn tn tes bsa ta a u o mo kj r r wh fu di fv rof l d wihlt e
o rc i o ig h u tnil mo nt f c u o s o o n n a o Pil o t il
a
t
c mp rtv fu tteCo r c n o in r tefc t t mao i o j r r i ttl o n i f v r
o aaie a l,h u t a n t g o e h a tha a j rt f u o s n oa f u d n a o
y
ofContne al A m oc tilb isnaur i at f a tr yst us i t pr pa a i oft i
i nt .
k ra y t t e s ool or to ne o e n he e r ton he r

ltgai n sr e esasPa i hi e fdi buti doesnotsand a ac l i be l t r I e
ii to tatgi
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t
t
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ve f t r uc n r e ut e ndia o , he t om
hi
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Co t e tsp iinj s a mu ha i s p re W e th se '.
ni n ' osto u t s c s t u po td sc e trs
n
Usng whati or ton i c d gahe fom t c
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ofa de e ti t hoppe .
ny f c n he
r

M i contne lke s aced r a ona y i r l ng on Pa i ' a c a de e eco ms .
d- i nt i wie t e s bl n eyi
rs s dvie s f ns t el
Asa a co pls ti at ne wih dec desofe ince Pa i f tt tt c e was70%
n c m ihed ral tor y t
a
xpere , rs el ha he as
def i ewih a c i r eamountofco pa a i lab lt lkel i t i t nc whe ea
ensbl t onsde abl
m r tve i iiy i y n he nsa es r

j r wo l fn i fv ro Pia o Ad i o ly Pai v le t hg e t s il v r it
uy ud id n a o f l d . dt nal , rs au d he ih s po sbe e dc
l
i
expos ea l st n $12 milo whi h,when par d wih t pos i er duc i oft wor r s
ur t es ha . li n c
ie t he sbl e ton he ke '
c pe ai n le f l t $650,
om ns to in, el o
000.Se Ex. a 24-25.Cons que l Pa i r commende a
e 26, t
e nty, rs e
d
s tl ntr ngeof$1 000 t $35 000t whih M i contne a r Though r inceon
e teme a
50, o 0, o c d- i nt dhe ed.
ela
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ntne ' nde nde val ton he s end uppor t atndi t tM i con i tdi
t o i ng ha d- tnen d
no a ti ba f ih prort t ver c .
t c n d a t i o he dit
TheCour f rherc ude t tM i contne di no e bi ba f t i isha i
t u t oncl s ha d- i nt d t xhi t d aih n t ndlng
o Pildo' pr - r c s tl ntofe sa wel asW e t hese ' s tl me de a . AsM i
f la s e ve di t e teme
fr s l
sc t rs e te nt m nds
dCon i nte ai d a ti l i hadno r s n t i r as iss tlm e ofe a m e a i whe
tne xpl ne t ra , t
ea o o nc e e t e te nt f r t diton
n

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lado ef ed o owe s e teme
ma
l
3 li
t he ubsa il vi
bewe n t t pa te 'postons s h am oveby M i contne woul ha bee f ute sa
t e he wo ri s
ii , uc
d- i nt
d ve n r ils nd
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d y
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ii n ut e e te nt gota i . n a t lado'

i it nceon ade a of$2 milon untls rl be or ti ne rpr s nt a hi cl et a
nsse
m nd
li
i ho ty f e ral ve e e ed nyt ng os o
vibl o runiy t s tl ba e on M i contne ' r s bl a s s
a e ppo t t o e te s d
di nts ea ona e s es mentoft c e.
he as

Co tayt wha W eth se ma ag e l blt i ti c s wa n t oce r a daj d me tn
nrr o t sc e tr y r u ,i i y n h s a e s o s la , n u g n i
a i
e es oft polc lm iswa nots lkey,ast compelM i contne t s tl t sc e u
xc s he iy i t s
oi l
o
di nt o e te hi as nder
s h un av abl cic sa es Se Davds 201 U. Dit LEXI 11 24, *
uc f or e r um t nc . e
i on, 0 S. s .
S 38 at 24.
Asf Pa i' conve s to wih Sa e i Aprl2009, heCour doe notfndt tt s
or rs s
r ai n t ndlr n
i
t
t s
i ha hi

c tt t d at ndo 'f rM i co i ntt s tl wihi is$1milon polc lmi. W hie
onsiu e t
wi w' o d- ntne o ete t n t
li
iy i t
l

Pa i saedt thebe ive Sa erm i a ce a ofe of$600, t $ 000, a itd
rs t t ha
le d ndl ght c pt n fr
000 o 750, he dm te
a t s m etm et thewasmer l s c ai a ha Ga ol el no i ast wha M r
t he a i ha
ey pe ul tng nd d sbs ut y dea o
t .

S nde' b to ln o rn eg s i t i p riu a c s . Ex. , t Smirl,he
a lrs ot m i e r a g wa ) n h s a t lr ae' 23 a 3. i l y t
c
'
e de edoesnots
vi nc
uppor W esc se ' c en i n t tM a ks si uiy a t pr tilhe rng
t t he t rs ont to ha r ' nq r t he e-ra a i
r ga di t pos i lt ofat g l a e m e 'c tt ed a he ne e t d c nc f a
e r ng he sbiiy
s h/ow gr e nt' onsiut not r gl c e ha e or
hi

s tl me .I r po et M aks sque y,Pa i r quese butne rr ceved s is de al
e te nt n es ns o r '
r
rs e t d
ve e i
pectc t is
r r ng t t r sofs h a ag e m ent ihoutf r he e de ofa pa tc a o f r m a ,
ega di he e m
uc n r e
.W t
u t r vi nce
r i ul r f e de

t Cour ca tde m t se ountrt bea c r t s tlm e a tmptet r
he
t nno e hi nc e o
onc e e e te nt te
ihe .
N ordo Pil do' t s tl ntofe swihi M i co i ntspolc lm ispro t a
la s wo e teme
f r t n d- ntne ' iy i t i r o nd
durngti latrt Cour' de son.Att tm et tt eofe swe em a not ng ha
i ra le he
ts cii
he i ha hos f r r de, hi
d
oc ure t twoul ha ca edM i con i tt r onsde isr as bl evauai oft
c rd ha
d ve us
d- tnen o ec i r t e ona e l ton he
c eorisa i i ton ofave diti f vorofContne a .W hieM a ksm a ha ofe e a
as
t ntcpa i
r c n a
i nt l
l
r
y ve f r d n

a e m e f as1 as$975, be or ti ,t tGg ewassilover$1 000 mor t n t
gr e nt or ow
000 f e ral ha ur
tl
00,
e ha he
s oft $35 000 hi h e ofPa i' r commende s tl ntr ngepl t $5 000 oft
um he 0,
g nd
rs s e
d e teme a
us he 00,
he
wor rsc
ke ' ompe a i le s d J
ns ton in houl udgeGe n r f et alow ar duci Se Ex. a
nde e us o l
e ton. e
26, t
2 25.l Pa i se tm a i a t ons toftil M i contne rs am a m tm ve dit
4n rs' si ton t he e ra , d- i nt iked
xi z r c

e ur of$1, 0, i no r duc i we em a f t wor ' compe ai n le Se i
xpos e
15 000 f e ton r de or he kers
ns to in. e d.
Y e Pa i onl a i i t a 30% pr biiy oft s r s tw ih t f rlke i rout om e bei a
t r s y ntc pa ed
oba lt
hi e ul t he a i le
c
ng

fndi ofno la lt ont pa tofContne al Furhe mor Parsha r s t bele ba e
i ng
ibiiy he r
i nt . t r e, i d ea on o ive s d
on J
udge Gende s s a em e son t fr tda oft i lt the w oul r ce ve a s tof f rt
n' t t nt
he is y r a ha
d e i
e - f o he

wok rsc mpe s to l n s ul t ej r a r d ma e t Pi a o.S eEx. 4, t Asa
r e ' o n ai n i ho d h u y wad n g s o l d e
e
l
3 a 2.
r s t Pil do' of e s a t ttm e di notpr e a r s bl o
e ul, la s f r t ha i
d
es nt ea ona e pporuniy t s tl
t t o e te.
The Cour addii ly o e v t tM i contne m ade a s g fc efor t f ciia e
t tona l bs r es ha di nt
i nii ant f t o a lt t

as tlme t oug t pur ha e ofPil do' wor rsc
e te nt hr h he c s
la s ke ' ompe a i le Abs ntt spu c s ,
ns ton i n.
e hi r ha e
Pil do woul ha ne ded t ha f c or d i t s tsaci oft sle whe c i rng
la
d ve e
o ve a t e n he aif ton hi in
n onsde i
f tzes tlm e tofe s.M i contne ' dec son t ei i t t sc i r ton t e or
u t e te n f r
r
di nts ii o lm nae hi onsde ai her f e
a s se bo h Pil do by e sng hi de son m a ng pr s r ga di as tl me , a w e la
s it d t la
ai
s cii
ki
oce s e r ng e te nt s l s
W e t he trby i r a i t potnta f as tlm e .M or o r M i contne i e d t
sc se
nc e sng he e i l or e te nt
e ve , di nt nt nde he

p rh s a ame nso r d igPi a o' d ma e s o l t ej r r n e avedc i h sf v r a
u c a e s a f e ucn l d s n g s h u d h u y e d r r it n i a o ,
l
de i in t tc d ha mode aedt ne e
c so ha oul ve
r t he t xpos ef bot W esc se a is f
ur or h
t he t r nd tel.
Thusa i a oa hed ave dit M i contne di notf lt pr ry orpr p l
s t ppr c
r c , d- i nt d
ai o ope l
om ty

de e t cl m ag ns Contne a .Tho h M i contne kne t tt a ton ofM a ks a
f nd he ai ai t
i nt l
ug
d- i nt w ha he ddii
r ,
s le a t ne wih s r quaik a i ,woul pos a addii li
kild tor y t upe b lt tons
d e n
tona mpedi tt s e s uly
men o ucc s f l
de e ng Contne a,i di nota ti ba f t i bei vi t tt sobsa ewass
f ndi
i nt l t d
c n d aih n le ng ha hi t cl
unnount bl
a e
bas d on t i or
e
he nf med e l tonsoft c et twe ea lbl a t tm e.I ed,Pil
va uai
he as ha r vaia e t he i
nde
lado
hi s ft tfe a tilt thewa pa ty a f ul f t ac i .Nors d M i con i t
m el esiid t ra ha
s rl t a t or he cdent
houl d- tnen

h v n c s ai a a d n dtetil fe teitr iw wiht e c s dj r ra W e th se
a e e e s rl b n o e h ra a tr h ne ve t he x u e u o s sc e tr
y
c n e d .Gie t a t ej r rh dn te e h adCo tn n a' c s i c ifa tetme M io tn s v n h t h u o a o v n e r n ie tls ae n he t h i , d
Co tn n h dn r a o t c n ie he a ap e u s ro a a v rej d me t Ar dt rf r
ni e t a o e s n o o sd r r s rc ro f n d es u g n . me heeo e
wih apr i e a tr y ofisown i Pa i,M i contne pr e t ough t ltg ton and
t
ofcint to ne
t
n rs d- i nt oce ded hr
he ii a i

ti wih ar s bl a i pa i t ti woul pr va l Tha i uli el di nots ce d i a
ral t ea ona e ntci ton ha t
d e i. t t tmat y d
uc e n
c s whos o c e w asf rf o lke y doe no t a f r M i contne ' cond ti o bad
ae
e ut om
a rm i l
s t r ns o m
di nt s
uc nt

f t whe viwed a trt f d. Cons que l t Cour tndsa am a troflw t tM i
aih
n e
fe he a
e nty, he
ti
s
te
a ha d-

Contne di no a ti bad f ih i f ii t s tl prort t ve dit
i nt d t c n
at n a lng o e te i o he r c .
2. M i co i nt s Pos- e di C o
d- ntne '
tv r d nduc
t

Tu n t M i- n ie tsha di go t c s f lwi t ej r v r itt eCo r
mig o d co tn n ' n ln f he ae ol ng h u y e dc,h u t
o

c l sasam a troflw t tM i contne a t i bad f ih i iste t e ofPil do'
oncude
te
a ha di nt ced n
at n t r a m nt
la s

$16m ilon ofe . Atti l M i contne m ant i d t tt soferw a no r as
. li fr
ra, d- i nt i ane ha hi f
s t e onabl fom is
er t
pe s c i a t tm eduet isbei ft ti c dr que ta s tof fom t gr sve ditf ra
r pe tve t he i
o t le ha t oul e s e - f r he os r c o
l r e por i ofPil do' w or r sco pe a i le I a ton, i a i i t d t tJ
ag
ton
la s ke ' m ns ton i n. n ddii t ntc pa e ha udge

Ge n woul no a r Pildo t f 1$300, i r quese c t Asar s t M i
nde
d t wa d la he u1
000 n e t d oss.
e ul, dCo i ntbei ve t tt fnalne ve ditwoul no e e $16m ilo r nde i Pil do'
ntne le d ha he i
t r c
d t xc ed . li n, e rng la s
pos- r c ofe unr s na e. Ast swa aptr y lgalis upon whih M i contne had
tve di t f r ea o bl
hi s lel e s ue
c
d- i nt
t de nd on de e eco elPa i f a ce t Cour doesnotfnd t tM i co i nts
o pe
f ns uns
rs or dvi , he
t
i ha d- ntne '
r la e i is fwa ba f ih. I t t M i contne ha ar tona bassf t sbe ifi t
e inc n tel s d at n nlh, di nt d ai l i or hi le n he

til ttme t fo J dg Ge d nidiaiga mu h,u ta i h dp evedc .
ra sae n s rm u e n e n c tn s c j s s t a r - r it
Ne rhees ,he Cour fndst tM i contne a d i ba f ih i f ii no iy
ve t l s t
t i ha di nt de n d at n alng tf

W e these oft $16 m ilon s tlm e ofer Asnot a i ur r sdut ofg f ih
sc t r he . li e te nt f .
ed, n ns e ' y ood at
i l
ncudesa sngt i ur o e es c ri ri t sc e, s tl ntopporunii s
dvii he ns ed, r xc s a re n hi as of eleme
t te .
Davds 201 U. Dit LEXI 11
i on, 0 S. s.
S 3824,a *24. Thuswher a i ur d ç ea o bl r leson
t
e n ns e ç s na y e i
r
t i ur rt c
he ns e o onduc s tlm e nego itons a t i tr rf l t dicl es tl nt
t e te nt
ta i , nd he nsle ais o s os e teme

o e tr st t ei s r d t ej yma tn b df i ' 1 a *24-25( i Powel 58 So.
v ru e o h n u e ,h ur y s d a at ' d. t
h.
quotng
l, 4 2d
a 1 ) M i contne a tilague t tisf iur t i l arpr enai of
t 4-15 . d- i nt t ra r d ha t al e o ncude e es ttve
W esc se on t J y 1 201 e lbe wee Pa i a St ve wa t r ul ofm e e
the t r he ul 5, 0 mai t n rs nd e ns s he es t
r
i dve tnc Tho h t Co ta knowl est tm e eneglge eal doe no e lba
na re e. ug he ur c
edg ha r
i nc one s t qua d
f ih, e Los ,2011U. Dit LEXI 1 04, t*26, heCo ttndst tt somi son was
at s e at
S. s.
S 341 a
t
ur i
ha hi
si
m o et n me ene i nc M i con i n kne ofisdut o good f ih t W e t hese a t
r ha
r glge e. d- tne t w
t y f
at o sc t r s he
prm a y i ur ra wa f l a r ofW e t hese ' i e e ti s tlngt cas , i onl f om t
i r ns e nd s uly wa e
sc t rs ntr s n e ti he e f y r he
e g pr vi de a t tW e t hes e ha m a ca lng f r a s tl m e . Y d i onl t sx
i ht e ous m nds ha
s c t r d de li o e te nt
t y ook i

.

ho frM i- ni e t orpyt Pai t a t swa t od a f r(t. Ex. 6.Th Co r
ms o d co tn n t e l o xs h thi s d e l o i)' 3
n
'
e ut
c nnotino et f tt tM i contne m adet sde son i isown i e es wiho a
n
g r he ac ha di nt
hi cii n t
nt r t t ut ny
cons t ton wih W e t hese .
ula i
t
sc tr

Th sc n lso i f rhe b ltr db t ec ran yt a e itdo a e c s j g n
i o cu in s u t r osee y h e tit h t x se f n x e s ud me t
a an tW eth se .Ev n fcoi gi a$ 0 ,0 r d ci no teo ii lu ya r f rt
g i s sc e tr e a trn n 4 00 0 e u to f h rgna j r wad o he
wor r sc
ke ' ompe ai le M i co i ntkne t ti w a g ngt f cea sz a ea r o
ns ton in, d- ntne
w ha t s oi o a
i e bl wa d f

coss e n i s toft f l$300, a Pa i ha hope Ac or ngl i kne t e c a
t , ve f hor he ul
000 s rs d
d. c di y, t w o xpe t n
a r e e di $13 milon t twoul la W esc se wih s
wa d xc e ng . li ha
d e ve
t he t r t ome lvelofe s expos e.
e
xce s
m
l lg oft g r nt edexc se
n i ht he ua a e
es xpos ewhos e e wasnota c d notbepr dit d, t
ur
e xt nt
nd oul
e c e he
Cour c
t nnno e us M i contne ' f iur t conf rwih W e t he t r M i contne ' ha t
t xc e d- i nts a l e o
e t
sc se . d- i nts sy

dimis loft $1. milon ofe be us i di nots tisbes i e e t r pr e st es e e
s s a he 6 li f r ca e t d
ui t t ntr ss e es nt he s nc
ofa i ur nc bad f ih cai .SeeM e r t,201 U. Dit LEXI 43868, t*8.Fo t s
n ns a e
at l m
r et
3 S. s .
S
a
r hi

ra o ,h Co r a r sW e th se $ 9 ,7 a t dfe e c b t e t efna j d me to
e s n te u t wad sc etr 3 0 1 3 s he ifr n e ewe n h i l u g n f
$199 1 a Pil s$1. m ilon s tlm e ofe .
, 0,73 nd lado' 6 li ete nt f r
I CONCLUSI
V.
ON
Fo t r as s a e i i
r he e ons t t d, t s

ADJUDGED t tPl ntf W esc se FieI ur nceCompa y ha pr ve by a
ha ai if
the t r r ns a
n s o n
pe
r ponde a oft e de et tDe e ntM i contne Ca uat Co pa sha i of
r nce he vi nc ha f nda
d- i nt s ly m ny' ndlng

teu eligc s f lo n t ej yvedc c n tttdba fih TheCo r t rf r e tr
h nd ryn a e o lwig h ur r it o siue d at .
u theeo e ne s
j d me ti fv ro Pli tf W ethetrFieI s r n eCo a yi t ea u to $ 9 ,7 .
u g n n a o f anif sc se r n u a c mp n n h mo n f 3 0 1 3

T/dy - cl
a- o3

DONE AN D ORDERED i Cha r a M im i Fl i t s
n
mbe s t a , orda, hi

FED
A.
NO
UN ED STATES DI
STRI J
CT UDGE

Copi pr dedt
es ovi o:
Co e ofRe or
uns l
c d

.