* The Honorable Danny C. Reeves, United States District Judge for the Eastern District of Kentucky,

sitting by designation.

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NOT RECOMMENDED FOR FULL-TEXT PUBLICATION

File Name: 05a0603n.06

Filed: July 15, 2005

No. 04-1819

UNITED STATES COURT OF APPEALS

FOR THE SIXTH CIRCUIT

OLYMPIC FOREST PRODUCTS,

LTD.,

Plaintiff-Appellant,

v.

JOHNNY COOPER, et al.,

Defendants-Appellees.

________________________________/

ON APPEAL FROM THE UNITED

STATES DISTRICT COURT FOR THE

EASTERN DISTRICT OF MICHIGAN

OPINION

Before: CLAY and SUTTON, Circuit Judges; REEVES, District Judge.*

DANNY C. REEVES, District Judge. Plaintiff-Appellant Olympic Forest Products,

Ltd. (“Olympic”) appeals the district court’s final judgment. For the reasons that follow, we

AFFIRM the judgment of the district court.

FACTUAL AND PROCEDURAL BACKGROUND

This case arises out of the alleged tortious acts of Defendant-Appellee Johnny Cooper

(“Cooper”) and the entities of which he was the former President and sole owner, Wolverine

Auto Purchasing, Inc. (“Wolverine”) and International Vehicle Importers, Inc. (“IVI”).
-2-

Wolverine was engaged in the business of buying and reselling vehicles, and IVI was in the

business of importing vehicles into the United States. At the time of the transactions involved

in this litigation, Cooper ran all operations at Wolverine. 

Olympic is the assignee and affiliate of Swathmore Auto Group (“Swathmore”). During

the relevant time period, Swathmore was in the business of importing vehicles from Canada to

the United States for resale. The business was operated, in part, through a nominee corporation:

Dealers Wholesale Depot Company (“DWD”). 

In April 2000, Cooper represented to DWD and Swathmore that Cooper, Wolverine

and/or IVI were able to purchase twenty-three new Harley Davidson Motorcycles and resell

them to an Arizona Dealership at a profit of at least $400.00 per motorcycle, with a ten day turnaround. Based on these representations, Swathmore and DWD agreed to purchase the

motorcycles and complete the proposed resale. Wolverine invoiced Swathmore and DWD for

eleven motorcycles (a total of $204,750.00) on April 17, 2000, and twelve motorcycles (a total

of $216,500.00) on April 25, 2000. Pursuant to these invoices, Swathmore transferred

$421,250.00 to Wolverine’s bank account. Subsequently, IVI imported the motorcycles.

Wolverine then sold them to an Arizona dealership. 

Wolverine did not immediately pay the net proceeds of the motorcycles, plus the agreed

profits, to Swathmore or DWD. Instead, some months later, Wolverine paid Swathmore a total

of $77,000.00 in four installments (for four motorcycles). Cooper acknowledged that it was his

decision not to pay the remainder of the sums due to Swathmore and DWD. 
-3-

Within six months of the transaction, Wolverine and IVI sold substantially all of their

assets to Adesa Importation Services, Inc. (“Adesa”). At closing, which occurred on December

21, 2000, Wolverine and IVI received $2.5 million from Adesa. Of this amount, $1.4 million

was paid to secured creditors and the balance was paid to trade creditors. Olympic contends that

approximately $500,000.00 of trade debt – including the monies owed to DWD and Swathmore

– was left unpaid. The Defendants-Appellees concede that Wolverine owes Olympic money.

On October 30, 2001, Olympic filed suit against Cooper, IVI, Wolverine, Adesa and

Robert Bolenbaugh (a salesman for Wolverine). Subsequently, Adesa and Bolenbaugh were

dismissed by agreement. On July 15, 2002, Cooper moved for summary judgment with respect

to all claims asserted against him. He argued that, as a corporate officer, he was shielded from

liability and that a statutory conversion claim could not attach to him. On March 14, 2003, the

district court granted Cooper’s motion. Specifically, it concluded that Olympic had not produced

sufficient evidence to hold Cooper personally liable. In addition, the district court found that

Olympic had only pled a claim of statutory conversion and had failed to present evidence to

support this claim against Cooper. Olympic then filed a motion to reconsider, arguing that the

district court improperly applied the corporate shield defense to the claims against Cooper and

improperly dismissed its conversion claim. Specifically, Olympic asserted that it had alleged

both a statutory and common law conversion claim and that the court failed to address the

viability of its common law claim. The district court denied this motion. 

Based on admissions made by Cooper, Olympic then moved for summary judgment

against Wolverine and IVI. The district court ultimately granted this motion after both entities
1 Olympic’s appeal relates only to the dismissal of its claims against Cooper. 

2 Olympic also asserts that the district court improperly dismissed its conversion claim, arguing that

the court failed to consider the viability of a common law claim of conversion. The Defendants argue that

Olympic did not allege a common law claim in its complaint. Therefore, they assert that the court properly

dismissed this claim inasmuch as Olympic failed to present sufficient evidence to sustain the only claim

alleged ( i.e., the statutory conversion claim).

-4-

failed to respond. The resulting judgment effectively brought the case to an end below and this

appeal followed.1

STANDARD OF REVIEW

A district court’s grant of summary judgment is reviewed de novo. Martin v. Indiana

Michigan Power Co., 381 F.3d 574, 578 (6th Cir. 2004). Summary judgment is proper where

no genuine issue of material fact exists and the moving party is entitled to judgment as a

matter of law. Fed. R. Civ. P. 56(c). In considering such a motion, the court must view the

evidence and draw all reasonable inferences in favor of the nonmoving party. Matsushita

Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 587 (1986). The central issue is

“whether the evidence presents sufficient disagreement to require submission to a jury or

whether it is so one-sided that one party must prevail as a matter of law.” Anderson v.

Liberty Lobby, Inc., 477 U.S. 242, 251-52 (1986). 

DISCUSSION

Olympic contends that the district court erred in finding as a matter of law that Cooper

was shielded by the corporate veil. It asserts that this action should be remanded so that it may

proceed against Cooper on claims of conversion, fraud and civil conspiracy.2

 In response, the

Defendants argue that the district court properly dismissed Cooper because Olympic failed to
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present sufficient evidence to pierce the corporate veil. Alternatively, they contend that even if

the district court erred, this Court should affirm the dismissal of Olympic’s claims against

Cooper because there is insufficient evidence in the record to create a genuine issue of material

fact with respect to the conversion, fraud and civil conspiracy claims. 

A. Piercing the Corporate Veil

In dismissing Olympic’s claims against Cooper, the district court concluded that Cooper

was not liable for the acts of the corporate Defendants. Specifically, the court concluded that

Olympic failed to offer evidence that would support piercing the corporate veil and holding

Cooper personally liable for the acts of Wolverine and IVI. In support of its position that the

district court erred, Olympic contends that Cooper should not have been dismissed because he

personally participated in the wrongful conduct.

The law treats a corporation as an entirely separate entity from its stockholders, even

where only one person owns all the corporation’s stock. Foodland Dist. v. Al-Naimi, 559

N.W.2d 379 (Mich. App. 1996). As a general rule, shareholders, directors and officers of a

corporation cannot be held personally liable for the corporation’s acts or debts, unless unusual

circumstances justify disregarding the corporate entity. Bitar v. Wakim, 572 N.W.2d 191 (Mich.

1998). However, where the corporate fiction is used to subvert justice, the corporate identity

may be ignored. Id. This concept is commonly referred to as piercing the corporate veil and is

typically used “to protect a corporation’s creditors . . . when there is a unity of interest of the

stockholders and the corporation and where the stockholders have used the corporate entity in
-6-

an attempt to avoid legal obligations.” Allstate Ins. Co. v. Citizens Ins. Co., 325 N.W.2d 505,

508 (Mich. App. 1982). 

Under Michigan law, the following elements must be satisfied in order to pierce the

corporate veil:

First, the corporate entity must be a mere instrumentality of another entity or

individual. Second, the corporate entity must be used to commit a fraud or

wrong. Third, there must have been an unjust loss or injury to the plaintiff.

SCD Chemical Dist., Inc. v. Medley, 512 N.W. 2d 86 (Mich. App. 1994). It should also be noted

that when corporate officials participate individually in fraudulent or tortious conduct, they may

be held personally responsible, regardless of whether they are acting on their own behalf or on

behalf of the corporation. Attorney General v. Ankersen, 385 N.W.2d 658 (Mich. App. 1986).

Here, the district court held that Olympic failed to present sufficient evidence to pierce

the corporate veil. Specifically, the court held that Olympic had not demonstrated that “Cooper

used his corporations as a mere instrumentality to suit his own improper purposes.” Further, it

noted that there was no evidence indicating that Cooper ignored corporate formalities or blurred

the distinction between the corporations and himself.

Although the district court did not specifically address whether Cooper personally

engaged in fraudulent or illegal activity, it is apparent from the record that the evidence was

insufficient regarding this issue. In support of its position that Cooper engaged in fraudulent or

wrongful conduct, Olympic states that “Cooper admitted that he personally engaged in the

concealment of money he knew to belong to Olympic.” (Appellant’s Br. at 16-17). However,

after examining the portions of the record cited by Olympic, it does not appear that Cooper
3 Cooper testified that his initial reason for not paying the debt was that he had intended to sue Olympic

for its alleged attempts to “steal” Wolverine’s employees. He indicated that he elected to pay other creditors

because he believed that the monies owed to Olympic would be offset by the future judgment against it.

Although Cooper’s rationale for not paying the money may have been unreasonable, it appears that Cooper

simply made a business decision to pay other creditors before Olympic. Contrary to the representations made

by Olympic, Cooper did not admit that he personally engaged in the concealment of money that he knew

belonged to Olympic. 

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admitted to concealing money that belonged to Olympic. Rather, Cooper acknowledged that a

debt was owed to Olympic and that there were insufficient funds to pay it.3

 This is the only

evidence cited by Olympic to support its contention that Cooper personally engaged in

fraudulent or illegal activity. And, based on this evidence, we cannot conclude that there is

sufficient evidence of fraudulent or wrongful conduct to impose personal liability on Cooper.

As noted by the district court, “the mere fact that Defendant Cooper made a business decision

not to pay a debt does not indicate that he was using his companies as a mere instrumentality.”

Likewise, the fact that Cooper decided not to pay the monies owed to Wolverine and/or IVI does

not indicate that he actively engaged in the concealment of money. Thus, the district court did

not err in finding there was insufficient evidence to pierce the corporate veil and impose personal

liability on Cooper.

However, even if the district court erred in its piercing the corporate veil analysis,

Olympic has not suffered any prejudice inasmuch as there is insufficient evidence to create a

genuine issue of material fact with respect to the alleged conversion, fraud and civil conspiracy

claims.

B. Conversion

The district court concluded that Olympic had only pleaded a claim for statutory

conversion and had failed to present sufficient evidence to sustain this claim. Olympic contends,
-8-

however, that it also pleaded a cause of action for common law conversion and that the district

court failed to consider the viability of this claim. We agree with the district court’s conclusion

that Olympic only pleaded a statutory conversion claim and did not produce evidence to create

a material issue of fact regarding this issue.

Count II of the Complaint sets forth Olympic’s conversion claim. This Count provides,

in relevant part, that:

22. Olympic hereby incorporates its allegations contained in paragraphs 1

through 21 as if set forth herein in their entirety. 

23. Cooper, Bolenbaugh, Wolverine and/or IVI wrongfully converted and/or

stole at least $344,250 of funds belonging to Swathmore.

24. Pursuant to M.C.L. 600.2919a, Olympic (as Swathmore’s assignee) may

recover three times the amount of actual damages sustained . . . plus

reasonable costs and fees. 

The clear language of the relevant section of the Complaint does not allege a claim for common

law conversion. Instead, the Complaint specifically references the statutory section applicable

to conversion. Further, in paragraph 24, Olympic demands treble damages, which is derived

from M.C.L. § 600.2919a. 

Additionally, Olympic’s failure to address the viability of a common law conversion

claim in response to Cooper’s motion for summary judgment is a further indication that it never

intended to proceed against Cooper under that claim. In his motion, Cooper sought a judgment

in its favor on all claims, specifically addressing the issue of statutory conversion. In opposing

the motion, Olympic never asserted that Cooper failed to address its separate common law
-9-

conversion claim. For these reasons, we agree with the district court and conclude that Olympic

failed to allege a claim based upon common law conversion. 

Apart from the current claim based on Michigan common law, the district court was also

correct in concluding that Olympic failed to present sufficient proof to support its claim of

statutory conversion. In Michigan, a statutory claim of conversion consists of knowingly

buying, receiving, or aiding in the concealment of stolen, embezzled, or converted property.

M.C.L. § 600.2919a. The Michigan courts have held that simply retaining a particular item or

sum does not amount to “buying, receiving or aiding in the concealment of stolen, embezzled

or converted property.” Lawsuit Financial v. Curry, 683 N.W.2d 233 (Mich. App. 2004) (citing

Hovanesian v. Nam, 539 N.W.2d 557 (Mich. App. 1995)). In this case, Olympic contends that

it gave money to the Defendants-Appellees and they, in turn, failed to give it back in accordance

with the terms of the contract. Such allegations are insufficient to support a statutory conversion

claim. 

C. Fraud

Likewise, while the record may support a claim for breach of contract, it does not support

a corresponding claim of fraud. In Crews v. General Motors Corp., 253 N.W.2d 617 (Mich.

1977), the Michigan Supreme Court held that a tort action will not lie based solely on

nonperformance of a contractual duty. Under the contract in issue in this case, the parties agreed

that Olympic (or its affiliates) would transfer money to the Defendants for the purchase of

motorcycles. In turn, the Defendants agreed to resell the motorcycles and pay Olympic the

proceeds, plus any net profits. It is undisputed that the sole factual allegation of misconduct
4 Although the Michigan courts have held that a plaintiff may pursue a claim of fraud in the

inducement extraneous to an action for breach of contract, Olympic has not alleged that the DefendantsAppellees made misrepresentations to induce Olympic into entering into this contract. See e.g., Huron Tool

and Engineering Co. v. Precision Consulting Services, Inc., 532 N.W.2d 541, 546 (Mich. App. 1995).

5

 Neither Citizens Ins. Co. of Am. v. Delcamp Truck Ctr., Inc., 444 N.W.2d 210, 213 (Mich. Ct. App.

1989), nor Trail Clinic, P.C. v. Bloch, 319 N.W.2d 638, 642 (Mich. Ct. App. 1982), alters this analysis. Both

cases discuss individual liability for conversion. Where, as here, the conversion claim was properly dismissed

– as the dissent concedes – the claim may not be revived by simply calling it fraud or civil conspiracy. These

are separate and distinct claims with separate and distinct elements that must be alleged and supported by

relevant evidence if summary judgment is to be avoided.

-10-

supporting Olympic’s claims is that the Defendants failed to re-pay all of the money owed to

Olympic pursuant to their agreement. As such, the contract between the parties is the sole source

of any duty that the Defendants owed to Olympic. Under these circumstances, Olympic cannot

maintain an action for fraud separate from the breach of contract claim.4

While the dissent asserts that the district court erred in dismissing Olympic’s fraud claim

against Cooper based on his individual actions, it is apparent that the evidence presented by

Olympic does not support such a claim. No evidence was presented that Cooper knew at the

time his company contracted with Swathmore/DWD that payments would not be made pursuant

to their agreement. And again, while his subsequent decision to withhold such payments may

constitute a breach of contract on behalf of the company, it is axiomatic that not every breach

of contract constitutes a claim for fraud. The fact that Wolverine and IVI used monies received

from the subsequent sale of the business to pay secured and trade creditors rather than

Swathmore/DWD does not alter this analysis. Here, the fraud claim against Cooper fails for lack

of proof under Rule 56 of the Federal Rules of Civil Procedure.5

D. Civil Conspiracy
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Inasmuch as Olympic failed to allege facts to support claims for conversion and fraud,

the civil conspiracy claim likewise fails. See Magid v. Oak Park Racquet Club Associates, Ltd.,

269 N.W.2d 661, 664 (Mich. App. 1978) (an allegation of conspiracy, standing alone, is not

actionable). 

CONCLUSION

We AFFIRM the judgment of the district court.
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CLAY, Circuit Judge, concurring in part and dissenting in part. I concur in the majority

opinion insofar as it affirms summary judgment in Cooper’s favor on Olympic’s conversion

claim. That claim was properly dismissed because the most reasonable interpretation of

Olympic’s complaint is that it alleges only a claim of statutory conversion and Olympic does not

contest the dismissal of its claim for statutory conversion. As to the fraud and civil conspiracy

claims, however, I must respectfully dissent because in my view there are genuine issues of

material fact such that a trial on those claims is required. Fed. R. Civ. P. 56. In particular, it is

my view that Cooper may be held individually liable for the torts of the entities that he

represented in an official capacity (Wolverine and IVI). Furthermore, regardless of whether

Cooper can be held liable for Wolverine’s and IVI’s tortious conduct, he can be held liable for

tortious conduct in which he actively participated. In other words, the majority’s veil-piercing

analysis does not, as its opinion suggests, resolve this case.

We review de novo a district court’s decision to grant summary judgment. Cockrel v.

Shelby County Sch. Dist., 270 F.3d 1036, 1048 (6th Cir. 2001). Summary judgment must be

granted if the pleadings and evidence “show that there is no genuine issue as to any material fact

and that the moving party is entitled to a judgment as a matter of law.” FED. R. CIV. P. 56(c).

A dispute over a material fact is only a “genuine issue” if a reasonable jury could find for the

nonmoving party on that issue. Cockrel, 270 F.3d at 1048 (citing Anderson v. Liberty Lobby,

Inc., 477 U.S. 242, 248 (1986)). In reviewing the district court's grant of summary judgment,

this Court must view all the facts and the inferences drawn therefrom in the light most favorable
-13-

to the nonmoving party. Id. (citing Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S.

574, 587 (1986)).

Generally, the denial of a motion to reconsider is reviewed for an abuse of discretion.

Northland Ins. Co. v. Stewart Title Guar. Co., 327 F.3d 448, 454 (6th Cir. 2003) (citing

GenCorp, Inc. v. Am. Int'l Underwriters, 178 F.3d 804, 832 (6th Cir.1999)). However, when a

Rule 59(e) motion seeks reconsideration of a grant of summary judgment, this Court conducts

a de novo review using the same legal standard employed by the district court. Id. at 454-55

(citing Smith v. Wal- Mart Stores, Inc., 167 F.3d 286, 289 (6th Cir. 1999); Columbia Gas

Transmission, Corp. v. Limited Corp., 951 F.2d 110, 112 (6th Cir. 1991)).

The district court granted Defendant Cooper summary judgment on Olympic’s claims for

breach of contract, conversion, fraud, civil conspiracy, and constructive trust on the ground that

Cooper was an officer of Wolverine and IVI, and Olympic had failed to allege facts showing that

it was appropriate to pierce these entities’ corporate veils in order to hold Cooper liable for their

actions. The district court, however, construed Plaintiff’s complaint too narrowly and the

majority has now repeated the error. A fair reading of the complaint shows that Olympic seeks

to impose liability not only on Wolverine and IVI, but on Cooper personally for his own actions.

The allegations concerning breach of contract, conversion, fraud, civil conspiracy, and

constructive trust make no distinction between Cooper’s capacity as a representative of

Wolverine and IVI and his personal capacity. Accordingly, even accepting the district court’s

conclusion, adopted by the majority here, that veil-piercing is inappropriate to hold Cooper liable
-14-

for Wolverine and IVI’s actions, this holding would not preclude Olympic from seeking to

impose liability on Cooper for his own actions.

Michigan law clearly distinguishes between a corporate officer’s liability for his own

tortious conduct and the ability to hold a corporate officer liable for the actions of the

corporation through veil-piercing. The Michigan Court of Appeals has held that “[i]t is beyond

question that a corporate employee or official is personally liable for all tortious or criminal acts

in which he participates, regardless of whether he was acting on his own behalf or on behalf of

the corporation.” Attorney General v. Ankersen, 385 N.W.2d 658, 673 (Mich. Ct. App. 1986)

(citations omitted); see also Citizens Ins. Co. of Am. v. Delcamp Truck Ctr., Inc., 444 N.W.2d

210, 213 (Mich. Ct. App. 1989) (“When conversion is committed by a corporation, the agents

and officers of the corporation may also be found personally liable for their active participation

in the tort, even though they do not personally benefit thereby.”) (citations omitted); Trail Clinic,

P.C. v. Bloch, 319 N.W.2d 638, 642 (Mich. Ct. App. 1982) (“This Court has held that where a

defendant acts on his own behalf or as an officer or agent of a corporation he is personally liable

for the torts in which he actively participated.”) (citations omitted). The personal liability of a

corporate officer “is not a question of piercing the corporate veil.” Ankersen, 385 N.W.2d at

673. 

Thus, in Citizens, the court held that a company president, sued by an insurance company

for failing to return an overpayment, could be held personally liable for the amount converted

because he had actively participated in the conversion. Citizens Ins., 444 N.W.2d at 213.

Similarly, in Trial Clinic, the court held that a director and shareholder of a medical clinic could
6

 The majority suggests Citizens and Trail Clinic are irrelevant to the case at bar because they involved

conversion claims. It should be clear from my discussion that I do not point out these cases for their treatment

of the plaintiffs’ conversion claims, but rather because they illustrate a general principle of Michigan tort law,

namely, that a corporate officer’s individual liability “is not a question of piercing the corporate veil.”

Ankersen, 385 N.W.2d at 673. 

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be held personally liable for converting reimbursement checks, because the evidence established

that he had actively assisted with the conversion and “acted either in behalf of one of the

companies he was associated with or for his own interest.”6

 Trail Clinic, 319 N.W.2d at 642.

Here, Olympic alleges that Cooper actively participated in the torts of conversion, fraud, and

civil conspiracy. Olympic claims that Cooper was personally involved in converting hundreds

of thousands of dollars in proceeds from the motorcycle sale and misrepresented that he would

pay Swathmore this money within ten days of Swathmore fronting the money for the deal.

Indeed, Cooper has admitted that it was his “sole decision” not to pay Swathmore the money it

was owed. The record, viewed in the light most favorable to Olympic, reflects that on April 17,

2000, Wolverine and IVI invoiced DWD and Swathmore, via 11 invoices, a total of $204,750

for 11 Harley Davidson motorcycles. On April 25, 2000, Swathmore was invoiced for another

12 motorcycles in the amount of $216,500. Swathmore wire-transferred payment for these

invoices to Wolverine on April 27, 2000. 

When Wolverine and/or IVI failed to remit payments owed to Swathmore under the resale

agreement, Barrie Kurdzeil, a representative of Swathmore, contacted Johnny Cooper by

telephone. Cooper acknowledged that Wolverine and IVI were long overdue in returning these

funds to Swathmore and DWD. Cooper also stated that he had used the funds in other deals

several times since completing the motorcycle deal. Cooper claimed that, pursuant to a business
-16-

plan he had developed for Wolverine, DWD agreed to have the proceeds from the motorcycle

deal reinvested, although there is nothing in writing to that effect. 

Despite Cooper’s assurances that the funds would be forwarded, he paid

Swathmore/DWD only $77,000. Swathmore/DWD is owed over $350,000 (the cost of the

motorcycles less $77,000) plus profits. Cooper claims that he stopped repaying

Swathmore/DWD when he began contemplating legal action against DWD, which he believed

was “poaching Wolverine’s employees and using the business plan developed by Cooper (for

Wolverine) to set up a competing business.” Def’s Br. at 4. Within six months of the

motorcycle transaction, Cooper negotiated the sale of his businesses to Adesa Importation

Services, Inc. (“Adesa”). The proceeds that Wolverine and IVI grossed from the sale were used

to repay outstanding bank loans and secured creditors, and the remaining monies were used to

pay their accounts payable (trade creditors). Cooper was $500,000 short in its ability to pay all

of the trade creditors, including the debt to Swathmore/DWD. Cooper never received any money

from the sale of his businesses to Adesa. Viewed in the light most favorable to Olympic, these

facts arguably suggest that Cooper actively participated in the torts of conversion, fraud, and

civil conspiracy to defraud, the last of which claims Olympic no longer pursues. In particular,

these facts could support a reasonable fact-finder’s inference that Cooper had the specific intent

to defraud. The majority reaches a contrary conclusion by engaging in fact-finding of its own.

It is not for us to decide whether Cooper had the intent to defraud; our charge is limited to

determining whether a reasonable jury could so find. Because on this record a reasonable jury

could find in Olympic’s favor, the fraud and conspiracy claims should proceed to trial. 
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Accordingly, I submit that the district court erred in dismissing the fraud and civil

conspiracy claims with respect to Cooper individually. I therefore part ways with my colleagues;

I would reverse the district court’s grant of summary judgment to Cooper on Olympic’s fraud

and civil conspiracy claims and would remand the case for trial on those claims.