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                       CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 14 to the
registration statement on Form N-4 (No. 033-73986) (the "Registration
Statement") of our report dated February 20, 2004, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the heading
"Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 26, 2004<Page>

                                                                          [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 14 to Registration
Statement No. 33-73986 of Fortis Benefits Insurance Company Variable Account D
on Form N-4, of our report dated February 25, 2004 relating to the statements of
assets and liabilities of Fortis Benefits Insurance Company Variable Account D
as of December 31, 2003, and the related statements of operations for the year
then ended and the statements of changes in net assets for each of the two years
ended December 31, 2003 appearing in the Statement of Additional Information,
which is part of such Registration Statement, and to the reference to us under
the heading "Experts" in such Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
April 26, 2004<Page>

                                                                          [LOGO]

                       CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 5 to the
registration statement on Form N-4 (No. 333-43886) (the "Registration
Statement") of our report dated February 20, 2004, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the heading
"Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 26, 2004<Page>

                                                                          [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 5 to Registration
Statement No. 333-43886 of Fortis Benefits Insurance Company Variable Account
D on Form N-4, of our report dated February 25, 2004 relating to the
statements of assets and liabilities of Fortis Benefits Insurance Company
Variable Account D as of December 31, 2003, and the related statements of
operations for the year then ended and the statements of changes in net
assets for each of the two years ended December 31, 2003 appearing in the
Statement of Additional Information, which is part of such Registration
Statement, and to the reference to us under the heading "Experts" in such
Statement of Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
April 26, 2004QuickLinks
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Exhibit 10.1    
    

[Holland &
Hart LLP Letterhead] 

April 26, 2004

Clinical
Intelligence, Inc.

1629 York Street, Suite 102

Denver, Colorado 80206 

	Re:
	Issuance of Common Stock of Clinical Intelligence, Inc.  

Ladies and Gentlemen: 

        This firm represents Clinical Intelligence, Inc., a Delaware corporation (the "Company"). This opinion has been requested with respect to certain matters in connection with the
issuance by the Company of up to 300,000 shares of Common Stock, $.001 par value per share and the sale by certain shareholders of 925,000 shares of Common Stock (collectively the "Securities")
pursuant to the Company's amended registration statement on Form SB-1, File No. 333-110128 (the "Registration Statement"), filed with the Securities and Exchange Commission
on April 26, 2004.

 

        In
connection with this opinion, we have examined the Registration Statement, the Company's Certificate of Incorporation and Bylaws, records of corporate proceedings with respect to the
Securities and such other documents, records, certificates, memoranda and other instruments as we deem necessary as a basis for this opinion. We have assumed the genuineness and authenticity of all
documents submitted to us as originals, the conformity to originals of all documents submitted to us as
copies thereof, and the due execution and delivery of all documents where due execution and delivery are a prerequisite to the effectiveness thereof. 

        On
the basis of the foregoing, and in reliance thereon, we are of the opinion that the Securities, when sold pursuant to the Registration Statement, will be validly issued, fully paid
and nonassessable. 

        We
hereby consent to be named in the Registration Statement as counsel to the Company with respect to the proposed offering and to the filing of a copy of this opinion as
Exhibit 10.1 to the Registration Statement. 

	 	 	Sincerely,
	

 	
 	

/s/ Holland & Hart LLP
	

 	
 	

Holland & Hart LLP

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Exhibit 10.1QuickLinks
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EXHIBIT 10.2  

 
 

CONSENT OF GORDON, HUGHES & BANKS, LLP
  INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS    
    

        We consent to the inclusion in the Amendment No. 3 to the registration statement on Form SB-1 of Clinical Intelligence, Inc. (a
Development Stage Company), relating to the registration of 1,125,000 shares of common stock, of our report, dated April 6, 2004, on the balance sheets of Clinical Intelligence, Inc. as
of December 31, 2003 and 2002, and the related statements of operations, stockholders' equity, and cash flows for the years then ended and for the cumulative period from May 18, 2000
(inception) to December 31, 2003.

/s/ Gordon, Hughes & Banks, LLP

Greenwood
Village, Colorado

April 26, 2004

 

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Exhibit 10.29  

 
 

CONSULTING AGREEMENT
  
  BETWEEN
  
  SAMSONITE EUROPE N.V.
  
  AND
  
  MARCELLO BOTTOLI    
    

THIS AGREEMENT IS MADE ON THIS 3rd day of March, 2004  

BETWEEN:  

	(1)
	SAMSONITE EUROPE N.V., a corporation organized under and existing under the laws of Belgium, having its office at Westering 17, 9700
Oudenaarde, Belgium (the "Company"); and

	(2)
	MARCELLO BOTTOLI ("Consultant"). 

NOW THE PARTIES HEREBY AGREE AS FOLLOWS:  

1.0   APPOINTMENT  

	1.1
	With
effect from the date hereof the Company hereby engages Consultant to render regular consulting services to the Company and such of its affiliated companies as the Company made
designate from time to time.

	1.2
	With
effect from the date hereof Consultant hereby accepts such engagement and agrees that he will serve the Company and its affiliated companies.

	1.3
	It
is understood that it is an essential feature of this Agreement that the Consultant shall, during the term of this Agreement, be entrusted with the overall day to day management of
the Company, accountable only to the Company's Board of Directors in a lawful, diligent and proper manner. 

2.0   SERVICES  

	2.1
	Consultant
shall serve the Company and its affiliated companies in their business to the best of his ability and perform services and duties as shall be reasonably assigned to, and
requested of, him by the Company. All services rendered by Consultant will be conducted within the European Union.

	2.2
	It
is understood between the parties that the Consultant shall carry on his activities for the Company on a strictly independent and self-employed basis as a contractor to
the Company. Any guidelines which the Company may give with respect to the exercise of the functions of the Consultant shall therefore not be construed as instructions or the exercise of authority or
supervision on the part of the Company. 

3.0   CONSULTING FEE AND BENEFITS  

	3.1
	In
consideration of the consulting services rendered by Consultant hereunder, the Company shall pay to Consultant an annual consulting fee (the "Consulting
Fee") equal to Euro 100,000. Monthly advances may be agreed upon between the parties. Payment of the Consulting Fee may be effected by the Company and/or by the various
affiliated companies to which services shall be rendered by the Consultant.

	3.2
	The
Consultant shall be solely responsible for his good legal standing, social security status and tax status under the laws of applicable jurisdictions. The Consultant acknowledges
that the Company shall be paying the Consulting Fees gross of any withholding and the Consultant agrees to indemnify the Company for any liability or loss incurred by the Company in connection with
its payment of the Consulting Fee in this manner. 

4.0   CONFIDENTIALITY  

	4.1
	Unless
otherwise required by law or judicial process, Consultant shall keep confidential all Confidential Information known to Consultant concerning the Company or its affiliated
companies and their respective businesses during the term of this Agreement and for the shorter of three (3) years following the termination of this Agreement or until such information is
publicly disclosed by the Company or otherwise becomes publicly disclosed other than through the Consultant's actions; provided that the Consultant shall provide notice to the Company in advance 

 

of
any disclosure required by law or judicial process in a timely manner to permit the Company to oppose such compelled disclosure. 

	4.2
	For
purposes of this Agreement, "Confidential Information" shall mean proprietary information of the Company and its affiliated company
of any nature and in any form or information about the Company's or its affiliated companies' business, operations, strategy, personnel or plans which is not made publicly available by the Company or
its affiliated companies, except for information independently developed by the Consultant without any use of Confidential Information or which was at the time of disclosure to Consultant part of the
public domain or thereafter becomes generally part of the public domain other than through Consultant's actions, or which Consultant can demonstrate was lawfully in Consultant's possession prior to
disclosure to Consultant by the Company or was lawfully received by Consultant after disclosure from a third party.

	4.3
	Upon
termination of Consultant's engagement for any reason, Consultant shall return all property belonging to the Company, its Subsidiaries or its Affiliates, as applicable, including
any and all Confidential Information in Consultant's possession or under his control. 

5.0   DUTY OF CARE  

	5.1
	Consultant
shall perform and discharge his duties, powers, functions and services hereunder in good faith, in accordance with the requirements of applicable law, rules and
regulations, and with the standards set forth herein and in any event with the due care and skill and to the standards which would be expected from a competent manager providing services of the kind
described herein. 

6.0   TERM  

	6.1
	Subject
to any other agreements between the parties hereto, this appointment shall enter into force with effect from the date hereof and shall be terminable by either party upon
45 days prior written notice to the other party, provided that termination will be without prejudice to transactions already initiated.

	6.2
	On
termination of this appointment the Company shall pay Consultant all Consulting Fees accrued for the period up to and including the effective date of termination. 

7.0   MISCELLANEOUS  

	7.1
	This
Agreement shall not be modified or terminated except by an instrument in writing signed by both parties hereto, or their respective successors or assigns, or otherwise as
provided herein.

	7.2
	This
Agreement shall be binding upon and inure to the benefit of any successor to the Company.

	7.3
	This
Agreement (a) contains the complete and entire under-standing and agreement of the parties hereto respecting the subject matter hereof and (b) supersedes and
cancels any and all understandings, or agreements, oral or written, respecting the subject matter hereof. 

8.0   GOVERNING LAW  

	8.1
	This
Agreement (and any dispute, controversy, proceedings or claim of whatever nature arising out of or in any way relating to this Agreement or its formation) shall be governed by
and construed in accordance with the laws of Belgium.

	8.2
	Each
of the parties to this Agreement irrevocably agrees that the courts of Belgium shall have exclusive jurisdiction to hear and decide any suit, action or proceedings, and/or to
settle any disputes, which may arise out of or in connection with this Agreement and, for these purposes, each party irrevocably submits to the jurisdiction of the courts of Belgium. 

2

 

9.0   NOTICES  

        All notices or other correspondence arising under this Agreement shall be duly delivered or sent by registered post to: 

        Notices
to Consultant: 

Samsonite
Europe N.V.

Westering 17, 9700

Qudenaarde

BELGIUM

Attention: Marcello Bottoli 

        Notices
to the Company: 

Samsonite
Europe N.V.

Westering 17, 9700

Qudenaarde

BELGIUM

Facsimile: +32 55 300 970

Attention: Caroline Giraldo 

        With
a copy to: 

Samsonite
Corporation

11200 East 45th Street

Denver, Colorado 80239

UNITED STATES OF AMERICA

Facsimile: +1 (303) 373-6606

Attention: General Counsel 

        With
an addiiton copy to: 

Kirkland &
Ellis International LLP

Tower 42

25 Old Broad Street

London EC2N 1HQ

UNITED KINGDOM

Facsimile: +44 (0)20 7816 8800

Attention: James L. Learner 

        or
such other person and address as the parties shall notify the other in writing or vice versa from time to time. 

*
* * * * 

3

 

        IN WITNESS whereof this Agreement has been executed on the date first above written. 

	

 	
 	
SAMSONITE EUROPE N.V.
	

 	
 	

By:	
 	

	 	 	 	 	Name:	 	Richard H. Wiley
	 	 	 	 	Its:	 	Director
	

 	
 	

By:	
 	

	 	 	 	 	Name:	 	Luc Van Nevel
	 	 	 	 	Its:	 	Director
	

 	
 	

MARCELLO BOTTOLI

4

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CONSULTING AGREEMENT BETWEEN SAMSONITE EUROPE N.V. AND MARCELLO BOTTOLI

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