Cook et al v. John Hancock Life Insurance Company et al

Filing 42

MEMORANDUM OPINION (Amended). Signed by Judge James C. Turk on 3/13/13. (med)

nlp*K: OFFI U. . SX COtr
CE : DI
l
AT ROANOKE,
VA
FI
LED

I TH E UNI
N
TED STATES DI
STRI COURT
CT
FOR THE W ESTERN DI
STRI OF VI NI
CT
RGI A
RO AN O K E D I SI N
VI O
1 KENNETH COOK ,e al,
.
t .
Pl ntf
ai ifs,

MA2 132 1
23
2UL C. UD ' ,
W CLERK
BY: '
.EPUR ' - F r
CIER;
.

Cas Nos 7: 2- ve
. 1 c 00455
M EM O R AN D UM o l o x l
qM

JO H N H A N C O CK LI I SU M N CE
FE N

COM PANY ( S. ) etaI,
U. A., .
Defnda s
e nt.

)

By: Jam e C.Tur
s
k
Seni U ni e St esD i t i tJudge
or
t d at
src

)
Pendi be or t Cour i a m o i by J hn Ha oc Lie I lr nc Company
ng f e he
t s
ton
o
nc k f nsza e

( S. ) (SHLI ' t sa pr e ngs i t s c s pe ng t co ei of abir ton
U. A.2 E C' o ty oce di n hi a e ndi he mplton
J
)
r tai
bewe n Pli tfs a one ofJ C' c de e nt,Cr
t e a n if nd
HLI S o- f nda s own Ca t Sec ii s LP.ECF No.
pial urte ,
36.The moton ha be n f l bref d a t pa teshave i c t d t tt y do no desr a
i
s e uly i e nd he ri
ndia e ha he
t ie
he rng.Ac or ng y,t m o i i now rpe f rdiposton.Fort r as s tf t be ow,t
ai
c di l he ton s
i o s ii
he e ons e orh l
he
m oton t sa ECF No.36,i GR ANTED,a t e ie y oft s c e i sa d pe ng t
i o t y,
s
nd he ntr t
hi as s t ye ndi he
c
omplton oft a bir ton.As s tf rh he ei howe r c ms lf r a pa t m a pe ii
ei
he r ta i
e o t r n,
ve , ot e o ny ry y tton
t Cour a a tme t e t sa i t a bir ton t kesa undul l tm e o i a pa t
he
t t ny i o nd he ty f he r ta i a
n
y ong i , r f ny ry

b le e t a i wils fe irpaa l hnm o b u d l p eu ie fo te c n iung sa
eiv s h t t l u fr re rb e r r e n uy rj dc d r m h o tn i ty.
Addii l t t pe ng m o i t dimi s ECF Nos 2,1 a e DENI W I OUT
tonaly, he wo ndi
tons o s s ,
.1 8, r
ED
TH
PREJUDI butwhe t sa i lfe t pa tesm a r ne t rm o i ,wihouta tona
CE,
n he t y s itd he ri
y e w hei tons t
ddii l
bre i ora glme r quie , a as t Cour t nleon et rm o i t dimis3
i fng
r z nt e r d nd k he
to l
ihe ton o s s .

1The Cour' M ar 1l 2013 M em or ndum Opi on i r ty r ered t a moton t dim is
ts
ch ,
a
ni ncor ec l ef r o
i o s s
asECF No.17,r he t n ECF No.18.Tha i t onl cha her i fom t Cour ' prorOpi on.
at r ha
t s he y nge en r he
ts i
ni
2A sap ei na y mater a dwi tea re n o teafce p ris iih rb ORDERED
lmi r
t , n t h je me t f h fe td at ,t s ee y
r
h
e
t t t syl oft cas i t s mate ,whih l pr l names as a D ef
ha he t e
he e n hi
tr
c m opery
endant dl
çohn Hancock Lie
f

I ur nce Company' be amended t r l tt pr
ns a
'
o efec he operna e oft te iy,çlohn Hancock Lie I ur
m
ha ntt t
f ns ance

Co ajThS. I' e ECFNo 1 a n1
mp n ( A..S e
U. '
.3 t .

eCo r wa i tepo eso pe aigi o iino tet g n igmoin t ds s,
u t s n h rc s f rp rn t gno n h wo e dn t s o imis
s
o

ECF Nos.1 18.I lghtoft Cour ' r i t a s a l appr it a t stme,t Cour concl
2,
n i
he
ts ulng hat t y s
opra e t hl i he
t
udes

t tt e a pr p it c re i t d n t s mo inswih utprj c t a pa t sa ly t r a s r
ha h p o rae ou s s o e y ho e to t o eudie o ny ry' bii o e s et
t
t m ,r he t l ng t m otonspendi on t Cour' docke f an ext nded perod oftm e.
he at r han eavi he i
ng
he
ts
t or
e
i
i

1
.

FA CTU AL BA CK G R O UN D
A.

The Partes and ProceduralBackground
i

Pl i if a e Dr 1 Ke t Cook,a r tr physcan a r i ntofVigi a,a t
antfs r . . nneh
e ied
i i nd esde
r ni nd he
Ke t Coo Ir voc bl I ur nce Tr t by is Tr se Ker t Todd Cook.Thi c e
nneh
k r e a e ns a
us,
t u t e, meh
s as
i ve cli s a ii outoft r l tons p be we n Dr Coo a hi i t e ad s r
nvol s am rsng
he e ai hi t e
. k nd s nvesm nt vie ,
De e nt N e l Cope a W i e r
f nda
i
l nd
nt r owd. A cc di t t Com pl i , W i e r d de r ude
or ng o he
a nt
nt r ow
fa d
Pl i if , c usng t m t i tr s gnik a fna a la ltes A s a l ge i t Com pl i ,
a ntf s a i he o nc t i t nt i nci l i biii .
le d n he
a nt

W i er
nt rowd ha busnes r l to hi wiht r i ng de e an s a des rbe be o .
d i s e ai ns ps t he emani
f nd t , s c i d l w
Spec f c ly,i addii t D e e
ii a l n
ton o f ndan W i e r w d,t r a e f uro he def nda s
t nt r o
he e r o t r e nt :
J LI a M i hi n c por ton w ih is prnci l pl c of bus nes i
H C,
c ga or a i
t t i pa a e
i s n
M as a
s chus t s
et'
,

Cr wn Ca t Se urtes LP (( o ',aDeawa epa t rhi wih is
o
pial c ii , çCr wn'
)
l r rnes p t t

4.

prncpa pl c ofbusne si Ca iom i
i i l ae
i s n lf a,
J Tur r & Co. LLC, a Geo gi lm ie la lt c
P
ne
,
r a i td i biiy ompa wih is
ny t t
pr nc pa pl c ofbus ne s i Geor a'a
i i l ae
i s n
gi , nd
Na i de,a Ohi c por ton wih is prnci lplce of busne s i
tonwi
n
o or a i
t t i pa a
i s n
Ohi
o.

W itro wo k d a a Fia il I usr Re ultr Au h rt (FNRA'4 rgset
n er wd r e s
n nca nd ty g ao y t o iy û l
1
' e itr d
)
r pr s nt i f Cr
e e e atve or own fom M a 2004 t Augus 2009,a f J Tur rfom Augus 2009
r
y
o
t
nd or P
ne r
t
t Se e be 2011.
o pt m r
J LI ' co c i t t ca e i ba e on t f tt tW i e r
H C S nne ton o he s s s d
he ac ha
nt r owd r om m e d a an
ec
nde s

i smenta s d t Dr Coo ( t rdie ty o t ough Ke n Ytr )a $1 milon lf
nve t
nd ol o . k eihe r cl r hr
vi tkus
0 li ie
i tr nc polc f om J LI i 2007. Pl i if a l ge t t W i er o d m a c r a n
nsl a e
iy r
H C n
a ntf s le
ha
nt r w
de e t i
r pr s nt tons i conne ton w ih t s s l t twe e bot ne i nta f a en .W i er owd
e e e ai
n
ci
t hi a e ha r
h glge nd r udul t nt r
t t a tona s e r a e t t J LI Polc t t Pl ntf s c e al o gi r s t
hen ook ddii l t ps el t d o he H C
i y ha ai if ont nd s ve i e o
'

4 FI
NRA > c eat i 2007' çi a r ser > s fr at y or za im aut i d under t
r ed n
çs egit ed el-egul or gani tc
horze
he
SecurtesExc
ii
hange Ac of 1 ' M or Keegan & Co.v.Siver an, F.
t 934.' gan
l m
3d ,201 W L 425556,at
3

*1& n. ( hCi. b. 201 )
2 4t r Fe 4, 3 .

la lt on t pa to J C.Nai nwi i nn d a a De e n bec us W i t rowd alo
ibiiy
he r f HLI
to de s me s
f nda t a e n e r
s
s d Dr Cook a Ammiy fom Na i de i 2006,a l tr i 201 m a a wihdr walfom
ol .
n
t r
tonwi n
nd ae , n
0 de
t a
r
t tn t wihoutD r Cook' pe m i s o and a l ge y s ol t e f
ha nnuiy t
.
s r sin
le dl t e hos unds
.

Al t de e
l he f ndant ha be n s r d and a 1 e e W i e r
s ve e e ve
l xc pt nt rowd ha fl d et r an
ve ie ihe
ans rora moton t dim is JP.Tur rhasa we e a fld a c os - l m f i e niy,
we
i o s s. .
ne
ns r d nd ie
r s cai or nd m t
co zbuton, and ato neys f s and c t a i t W i e
nti i
tr
' ee
os s ga ns
nt nrwd, but ha not fl d a m oto t
s
ie
in o

d s s . to wiea d J C ha efld moi n t c s s .Cr wn h dp e iu l mo e t
imis Nain d n HLI v ie to s o i mis o a r vo sy v d o
i
co pe a bir i of t c am s a ns i a t t m oton wa gr nt d wih t a s nt of
m l r taton
he l i
gai t t nd ha
i
s a e
t he s e
Pl ntfs Ac r ngl t pr ee ngsag ns Cr
ai if . co di y, he oc di
ai t own a ecure l sa d.
r
r nty t ye
B.

W i er w d' E ar y l l m e w ih D r C ook and H i Sal oft JH L I
nt ro s
l nvo ve nt t
.
s e he
C
lnsurance Polcy
i

l or rt unde sand t r a i hi bewee t mbir bl cli a i tCr wn a
n de o
rt
he eltons p t n he
ta e a ms ga ns o
nd
t r m ani ca ms i t ca e i i ne es a y t dic s t f c s a l d by Pl i if .The
he e i ng li n he s , t s c s r o s us he a t lege
antfs
Com pl i a l ges t t i 1
a nt le
ha , n 994,w hie he w a lvi and w o ki i W e t V i g ni Dr Cook
l
s i ng
r ng n
s r i a, .

bega r cevi i sm e a i lr nc a c fom Defnda W i e r
n e i ng nve t nt nd nsza e dvie r
e nt ntr owd.ECF N o.

Compl ! 1 Mr W i er wa a r gitr d FI
. 2. . ntrowd s e se e NRA s urtes rprs nttve pr di
ec ii e e e ai ovi ng
s r c s a t ttmet ough Smih Ba ne W he Dr a M r .Coo moved ba k t Vigi ai
e vi e , t ha i hr
t r y.
n . nd s
k
c o r ni n
1
997, W i t rowd c i d t pr de t
ner
ontnue o ovi hem s r c as a fna a ad s : p o di
e vies
i ncil vior r vi ng
i t nt a i ur nc a c ma i i t e s a s li va i i ur nc a
nvesme nd ns a e dvi e, nag ng nvesm nt , nd elng rous ns a e nd
s c ii pr
e urtes oduct t t m . Dt ng t tm e he s r e as D r Cook' tna i a s ,
s o he
ui
he i
evd
.
s i nc al dvi or
W i e r d w a a FI I A r gi t r d r pr s nt tve f s ve a def nt :Cr n f om M a
nt r ow
s
N L e s e e e e e a i or e r l enda s ow r
y
2004 t A ugus 2009 a J Tur r f o Aug t2009 t Se e be 2011.
o
t
nd P
ne r m
us
o pt m r

I 2007, W i ero s d Dr Coo a $1 milon lf i tr nce polc fom J
n
nt r wd ol
. k
0 li ie nsta
iy r
ohn

Hanc k (he1Po1c '.Dr Cook aleg t ts h a polc wast xce svey lr ' a çfr
oc t $ iy') .
l es ha uc
iy
t s i l a ge' nd ta
e

b y ndtea t ta Dr Co k t ug th mih n e 'ECF No 1 Co l! 1 . n n l
e o h momt h t . o ho h e g t e d.
'
. , mp . 5 The n ua
prmil frt frtye rwa $257, J=! 16.Dr Cook ale st tW i er wd as t d
e lm o he is a s
957.J.
.
lge ha ntro lo ol
hi t theco dborow mone f t prmi fom aba i nec s ay.JL
m ha
ul r
y or he e ums r
nk f e s r .
I
W i er
ntr owd a s d Dr Coo t t Polc co d beus d asa i sme a bes d
dvie
. k hat he i y ul
e
n nve t nt nd
ol
a trt ye r .I s ppor o t sr pr s ntton,W i e r
fe wo a s n u
t f hi e e e a i
nt rowd pr ded doc e sfom Fai a
ovi
um nt r
nv y
Ca t de o t a i how t polc c d be s d i t o ye r a a lf s tl m e f r a gai of
pial m ns r tng
he i y oul
ol n w
a s s ie e te nt o
n

am os one m ilon dola s Se ECF No.1 Ex.1 Dr Coo al ge t tFai y Ca t lwa a
l t
li
lr. e
,
. . k le s ha
nva
pia s
Ca ior ae iy us d by W i e r
lf ni ntt e
nt rowd a Ke n Yur ,t pr sde ofFanv y Ca t ,t s l
nd vi
kus he e i nt
i a pial o el

i t nt.L. ! 1 J Ha oc pad acommiso on t $1 milon polc t Faiwa
nvesme s d 7. ohn nc k i
.
a
sin he 0 li
iy o r y,
whi h D r Cook aleg w ast n s e w ih W i e
c
.
l es
he har d t
nt nowd. d.
I

Wi e
nt nowd a s d a f iiae t e t ihme ofa lvi tus t bede i natd as
dvie nd aclt td he sabls nt
i ng r t o
sg e
t owneroft Polcy.Dr Cook i taly pai t pr m il st t a tm e who e t ihe t
he
he i
.
nii l d he e tm o he to y
sabls d he
tus,M r Re n.W i e r
r t . yzi
ntr owd s e nty i t u t d Dr Cook t pa t pr mi sdie ty t
ubs que l nsr c e
.
o y he e um r c l o

W i ew wdhi et a Dr Cookdi s
ntl
ms ll nd .
d o.
Dr Coo f t r alege t t W i erowd r pe t y r pr e ed t t he was i t
.
k urhe l s ha
nt r
e aedl e es nt ha
n he
pr e sofa r ng f r t s l oft Polcy,and ev ha Dr Cook s g s tlm e pa r i
oc s
rangi o he ae he i
en d .
i n e te nt pe s n

2 1 Se ECF No.1 Co l ! 21 Dr Co k alg sta te e rp e e tto swe efle a d
01 . e
, mp . . . o le e h t h s e r sn ain r as n
me el apa tofW i t rowd' fa e s he e.Dr Coo aleg he l t$1 1 1966.0,s e
ry r
n e r s ' udul nt c m
r
. k l es os ,4 , 9 om
pa d t J C , s e alege y conve t a s ol n b W i e r
i o HLI and om
l dl
red nd t e y nt r owd.
C.

The U naut i d W ihdra a f om t N atonw i Annui y
hor ze
t
w lr
he
i
de
t

Dr Coo as aleg W i e r
.
k lo l es nt rowd a De e
nd f ndan JP.Tur r a e la e f r a tons
t .
ne r i bl o c i
s r
ur oundi an annuiy contact w ih Defendant N atonw i I 20l0, W i er ow d alegedl
ng
t
r
t
i
de. n
nt r
l
y

us d Dr Cook' sg t e fo a dif r nt wihdr walf m t wihd a $1 000 fom t
e
.
s i na ur r m
fe e
t a
or o t r w 50, r he

4

N ai nwi n t - wiho Dr Cook' per ison- i or r t pa t pr m i on t
to de nnuiy
t ut .
s m si
n de o y he e um
he

J C polc SeeECF No.1 Compl ! 24- Alhough Dr Cook wie t f ba k t
HLI iy.
,
. ! 26. t
.
rd he unds c o
W i er
nt rowd s t t he c d r tun t
o ha
oul e t' hem t t Na i de n t Dr Cook a lges
o he tonwi nnuiy, .
le

W i er wd soet s f d ./s 2 Dr Co k as ic re $1 ,3 .3 i s re d rc ag s
ntro t l ho e un s J-! 7. . o lo n u rd 42 99 n u r n e h r e
f t wihdrwa.J SW i er
or he t a l #. ntrowd as al edl c red $50, wihdawn wihoutDr
lo leg y onvet
000 t r
t
.

Cook' pemisonfo aPr nta vaibl n t c rc . eECF No.1 Compl!32.
s r si r m
ude il ra e nnuiy onta t Se
,
.
D.

C l m s i t C om pl nt
ai n he
ai

Pl i i f 'Com pl n as e t tve c
a ntf s
ai t s r s i ount .W ih t e e i of Coun 1 1 how e r t
s t he xc pton
t 1,
ve , he
r m a ni c m t d no di f r nta e be w ee de e nt ,a
e i ng ot s o t f e e i t t n f nda s ppea i i t ad t nam e a1 o t
rng ns e o
l f he
D e e nt . Count I i a c a m f conve s on. Count 1 a l ge vi a i of t V igi a
f nda s
s
l i or
ri
1 le s ol tons
he r ni

Se u iis Ac,Va Co e j 1 15 2 a d 1 15 2 S cin 1 ( )o t e Fe e a S c rte
c rte t . d â 3.- 0 n 3.- 2 , e to 0 b f h d rl e u iis
Exc ngeAc of1
ha
t 934,and ca msco mon lw fa a c t c i fa i c me ton wih
li
m
a r ud nd onsnztve ' ud n or c i
r
t
t e vi a i .Count Ilnn
hos oltons
1 mes a lt de e nt exc ptW i e r
l he f nda s e
nt rowd a al ge t tt y
nd le s ha he
we ene i ntf f lng t pr ve W it r o sc
r glge or aii o e nt n e r wd' onve so off nds f rf ii t ad
rin
u , o a lng o equa ey
tl
s r ie W i e r wd,and f r ne i nty br a ng dute o
upe v s
ntr o
o glge l e chi
i s wed t Pl ntf s unde FI
o ai if
r NRA.
Count I al ges Def nda s br ac d fduc a y dute owe t t Pli if a ii out of
V le
e nt e he i i r
is
d o he antf s rsng
Def nda s r e a i t e ,s clii ,a i ur nc pr es i s sl i Count V,
e nt ' ol s nvesm nt e trtes nd ns a e of sonal.La ty, n
Pl i if al ge De e nt br ac e e sa i i c r t.
antfs le
f nda s e hed xpr s nd mpled ontacs
I
I.

AN A LY SIS

As no e t Cour has alea or r a bir ton of t cai s agans Cr wn a
t d, he
t
r dy de ed r ta i
he l m
i t o
nd
s a d t pr edi a aga ns Cr n.
t ye he oce ngs s i t ow ECF N o.35.l i c e r t tt s Cour ha t a t iy
t s l a ha hi
t s he u hort
t s a ltga i of non- r t a e cl i s pendi t out e of t r a ed a bir ton
o t y ii ton
a bir bl a m
ng he
com
he el t
r tai
pr e di , e n a ns non- r i t t a bir ton. A m .H om e A s ur nc Co. v.V e o
oc e ngs ve gai t
pa tes o he r t a i
s a e
cc

Conc e e Consr Co. I of Va,629 F. 961,964 (t Ci.1 8 )5I d e ,a t e Fo rh
rt
t. . nc.
.
2d
4h r 9 0 . n e d s h ut
Cic thas r cognied,t decson a t whe he t say C s a m a tr lr y wih t ditit
r ui
e
z he ii s o
t ro t t
i
te a gel t he src
c tsdi c e i t contolisdoc t'A m .Re
our ' s r ton o
r t
ke .
'
cove y Cor v.
r
p. Com pu e i e The m alI agi
t rz d
r
m ng.

l .9 F.d 8 , 7 (t Ci.1 9 ) TheFo rh Cic iha h l t t e n wh r i tstu t t
nc, 6 3 8 9 4h r 9 6 .
u t r ut s ed ha, ve ee t t r e ha
i
t a bir t ' fndi
he r taor s i ngs wil no be bi ng a t t e no pa te t t ar ta i
l t
ndi
s o hos
t ris o he bir ton,

c nsd r to so j dca e o o a a o d n eo c n u in a d p s il ic nsse trs ls
o ie ai n f u iil c n my nd v i a c f o f so n o sbe n o itn e ut
nonehees m iia ei f vorofsa ng t e ie a ton. Am .Hom eAs tr nc Co. 629F. a
t l s ltt n a
t yi he ntr c i '
'
sla e ,
2d t
964.

J C r le on t f egoi a hort i s
HLI e i s
he or ng ut iy n uppor ofis m oton f s a a al o c t s t
t t
i or t y, nd s ie o
a num ber of dit i c tde i i ns f om t W es e n D it i t of V igi a a e s w he e whe e
s rd our c s o r
he
t r s rc
r ni nd l e r
r
c t ha s a d t en ie c e pe ng a bir ton on l s t n a 1of t c a m s See e g.
our s ve t ye he tr as ndi r ta i
e s ha 1
he l i . . . ,

C. Flet Co.v.As n I .UK Lt , 743 F.Supp.2d 575, 589- ( . Va 201 ;
B. e
pe ns
d.
91 W D. . 0)
Daa tonalv.Yel Book Sals& Dit.2005 W L 3499929,*3( . Va.De 21 2005)
tNai
low
e
sr,
W D.
c. ,
;
Hi r l . I v.W iln St r I .( rEas)Lt ,640 F.Su 1 1 ( D. Y.
kes ndus. nc.
lim ua t ndus Fa
t d.
pp. 75, 78 S. N.

1 8 ) s eas ECFNo 3 a 4- (olciga dto a a to iy )
9 6 4 e lo
. 7 t 5 c l tn d iin l uh rtl.
e
Pl i tf s oppos t m oton t sa r s ndi wih t e bas c poi s Fi s , t y
a n if
e he
i o t y, e po ng t hr e
i
nt . r t he

c e t tt r i onl a tve y si ' c nce t tt a bir ton wilr ul in a f t or
ontnd ha he e s y û r lm ' ha
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l es t d ny acual
i
l gal tndi ' ECF N o. 38 a 2.l s
e
i ng.'
t
n uppo t of t s a g e ,t y poi t t t f c t t t
r
hi r um nt he
n o he a t ha he

5The agr upon ar taton or r ent ed by t Cour, ECF No.35>compeled ar ta i
eedbir i
de
er
he
t
l
bir ton

pu s a tt t Vigi aAr tain Ac,j8. - 810 A) r t rt n teFe r Ar tain Ac. nt t
r u n o he r ni birto t 01 5 .2( , ahe ha h deal bi to t l ha
r

Ore,mo e v r te Co r sa e te Pani s camsa an tCrwn p n ij te o to o te
d r ro e, h ut ty d h lit f' li g is o e dn h uc me f h
f

a bi ai p s a tt Va Cod j8. 158102 D) l l t i b ifn o t mo ln t sa t epa te
r t ton uru n o . e 0 - . ( . d. n her re ig n he to o ty, h ris
r
do notr er nce t V igi a A c ,i t d dicus ng onl t Feder Ar taton Ac .I addr i t
ef e
he r ni t nsea s si
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pr et ofa say oft entr cas how e ,t Cour c udest isaut iy t s a t r toft
opri y
t
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ver he
t oncl
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ltgaton doesnotde
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es l
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c tolisd k t'Am. c e yCor v. mpue ie Th nna I aiM.lc.96F.d 88 9 ( t Ci.
onr t oc e .
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1 96 .
9 )
6

FI RA Ar ta i Rul s do notr quie f c ua orl ga fndi t be ma buti t a sa e
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A lhough t c ai s i t pr s nt c s i l t s e s t of
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ontnge
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u g n s g is oh o he a a g s b t ho e u g ns
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i lt gai t
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i

ECFNo. a 3. r a dfn l , anif c n e t a J C wil o b p eu ie b b i
38 t Thid n ial Plitfs o tnd h t HLI ln t e rj dc d y eng
y
rq rd t p o e dwih tec s a dt a t E ny p eu c i a an tt ePlitfswh h v
e uie o r c e t h a e n h t he s l rj die s g i s h an if o a e
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s

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agans t non-r tai de e nt'
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).

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p eu ie t t emo ig p ry i n tt eo l fco ta te Co r mus c n ie . Co r i
rj dc o h vn a t s o h n y a t r h t h u t t o sd r The u t s
as c ene wih e ndi j ca r our s ur c s iy and wih t posi lt of
lo onc r d t xpe ng udiil es ce me esarl
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i nsse r s t For e m pl a tr Pl i if l ms ag ns Cr
nco it nt e uls.
xn e, fe antfs'cai
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a bir ton,bot t pa tes a t s Cour w ilbe a e t t ke t t r ol i i o a co a i
r ta i
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afe t t r m ani cli .I d, i ma wel na r t is s e nt l s t f ti l
f c s he e i ng a ms ndee t y l row he s ue ve ualy e or ra .

J cilr s zc clary wilbe c e v d b t sa Fora 1oft er s ,t Co tgr nt
udi a e olr es e l l
ons r e y he t y.
1 hes ea ons he ur a s
J LI ' m oton f s a
H C S i or t y.
N one of t r m a ni co- f ndan s N a i i J. Tur r or W i er o d- has
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nt r w

s p rtl mo e f r a sa o j i d i J C' to b t n ih r h v t e fld a y
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t es , he
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Re ve v Cor ,96 F. a 97,a t co tc ude t i a o i t he e.Pl i if c a m s
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a i tDe enda W i e r
ga ns f nt ntrowd ove lp sgniia l wih t rcli s agans Cr wn.The e i
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he
nd, nd he r

8

cli sa ns J.P. ne a Nai
am gai t
Tur r nd tonwi ,on t ot r6None he e s a dic s d he en, he e
de
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t l s , s s us e r i t r

i s me o elp,a d j dca e o o c n ensrn e i p eea l t r s l e a1rman n
so
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For t f eg ng r as ,a e r sng is dic e i t do s t Co t he e
he or oi e ons nd xe cii t s r ton o
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GR ANTS J C' m oton t sa a STAY S pr ee ngsi t sc e pe ng a bir ton.I
HLI S i o t y nd
oc di n hi as ndi r tai f
t a bir ton t kesa undul l tm e,or i a pa t be ivest ti wils f r ir pa abl
he r ta i a
n
y ong i
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ha t l ufe re r e

ham o b u ul p eu ie fo te c n iun sa ,c u e ma p tto t Co r a a y
r r e nd y rj d c d r m h o tn ig ty o nsl y eiin he u t t n
tm et e t say.
i o nd he t
11
1.

CO NC LU SI N
O

Fort r s s tf t he e n,t t pe ng motonst dimi s ECF Nos 1 1
he ea ons e orh r i he wo ndi
i o s s,
. 2, 8,
a e DEN I W I O U T PR EJUD I .J LI ' M oton t St ECF N o.36,i G R AN TED
r
ED
TH
CE H C S
i o ay,
s

a t sca ei he e STAYED pe ngt c
nd hi s s r by
ndi he omplton oft rbir to pr e ngsbewee
ei
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t n
Pl i if a Cr n.
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ENTER:Thi 1 h da ofM a c 201
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Seni Unied St t D i ti tJ
or t
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6I Pari ar i a r t t Courtt , ascom par t t cl m sagai tJ I , t e wilbe
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FI
NRA r s e ed agentw ih Cr
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y i
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Tur r.Alhough t Natonw i annuiy was s d t Dr.Cook w hen W i e r
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Cr n, t onl ac i Pl ntf s compl n of wih r d t t Natonwi annuiy concer t
ow
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l
t he r tabl ai han he ai
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