k first i'd like to just remind you that these microphones to not amplify the only record so we ask you to keep your brief set a pretty high level so that people and they could you can hear it so that we can hear what's going on second  specific responsibility proof of death equals death certificate and my other question is in the policy is there any clothes that i missed that says oh and by the way you're also going to provide us with  suicide homicide unknown to think medical examiner ever determine manner of death i don't know that that was a bed that was a conclusion it may have could not rule out a third party firing a shot she couldn't really believe it's not necessary to rule out every possibility but says she couldn't rule out the possibility at the exact spot where there was a bench out room that somebody struck him in the they think that they could happen is because he clearly loves his family and everybody says that not only has his words which he could have just made up even discounting his words as the testimony i he was deeply committed to a stanley and so if you was deeply committed to his family he he may have actually planned to just drop off the grid and something else people right now it's when they where the past and maybe don't you know even if they're having suicidal thoughts and carry them out but you have to put this together with all the evidence and the forensic evidence of him being found in the woods on a pillow psychologist to examine his life his history is these notes the record level why you didn't do any of that it's not required well it would have been helpful to the couper it's this is something going with respect to cultural preferential or if there's any ambiguity in the policy that has to be construed against the insurance rate in this particular policy it doesn't stay long way or another who has to provide the need to keep insurance company receded in the fac the issue of how they got it when they got it whether it was by mail or someone slipped it on to their door or the second office got it or whatever the beneficiary gathers some third party a tome it doesn't matter who gives it to him as long as they add it and they had it in twenty ten two years prior to this change in the role in this was not just a change in interest rate this is a race that the question was and when it was it was in effect at the time getting better to the point about the lack of notice so because they fail to comply with the terms of the new statute and affords no satisfaction here they would at best interest that ten percent instead of nine percent but we all believe that this  distraught at a particular time in the life this is there's no basis for saying a bad person is more or less likely to commit suicide than row country guys wanted the cool to jump actually die sold for them as a scientific standpoint itself there's no way that you could determine by any standard that goes even there was evidence that he was dead there was evidence that no dispute those patents that he had suffered a gunshot wound to his head could testify that it was self inflicted in fact the parties agreed t was suicide there were numerous that indicated that sometime over the last several months many never commercial the story individuals in two thousand and eleven were struggling financially because of the market bill used was from a gun that was by mr trist they couldn't find a bullet they couldn't find a gun there's just nothing at first there's nothing there there's no explanation as to