{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang2057\deflangfe2057\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}
{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}
{\f36\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f49\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f50\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f52\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f53\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f54\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f55\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f56\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f57\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f69\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f70\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}
{\f72\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f73\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f74\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f75\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}
{\f76\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f77\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f389\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f390\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f392\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f393\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f396\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f397\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
{\f409\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f410\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f412\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f413\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\f416\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f417\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\f419\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f420\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\f422\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f423\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f426\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f427\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}
{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}
{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;
\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red79\green129\blue189;\chyperlink\ctint255\cshade255\red0\green0\blue255;}{\*\defchp \fs22\loch\af31506\hich\af31506\dbch\af31505 }
{\*\defpap \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \snext0 \spriority0 \styrsid13711006 Normal;}{
\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext21 \slink15 \sunhideused \sqformat \spriority9 \styrsid13711006 heading 1;}{
\s2\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs26\alang1025 \ltrch\fcs0 
\b\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon1 \snext21 \slink16 \sunhideused \sqformat \spriority9 \styrsid13711006 heading 2;}{
\s3\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs26\alang1025 \ltrch\fcs0 
\b\i\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon2 \snext21 \slink17 \sunhideused \sqformat \spriority9 \styrsid13711006 heading 3;}{
\s4\ql \li0\ri0\sb120\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel3\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 
\b\i\fs24\cf17\lang3081\langfe1033\loch\f37\hich\af37\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext0 \slink18 \ssemihidden \sunhideused \spriority9 \styrsid13711006 heading 4;}{\*\cs10 \additive \sunhideused \spriority1 \styrsid13711006 
Default Paragraph Font;}{\*\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tscellwidthfts0\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang2057\langfe2057\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp2057\langfenp2057 
\snext11 \ssemihidden \sunhideused \sqformat Normal Table;}{\*\cs15 \additive \rtlch\fcs1 \ab\af0\afs28 \ltrch\fcs0 \b\f0\fs28 \sbasedon10 \slink1 \slocked \spriority9 \styrsid13711006 Heading 1 Char;}{\*\cs16 \additive \rtlch\fcs1 \af0\afs26 \ltrch\fcs0 
\b\f0\fs26\lang3081\langfe0\langnp3081\langfenp0 \sbasedon10 \slink2 \slocked \spriority9 \styrsid13711006 Heading 2 Char;}{\*\cs17 \additive \rtlch\fcs1 \ab\af0\afs26 \ltrch\fcs0 \b\i\f0\fs26\lang3081\langfe0\langnp3081\langfenp0 
\sbasedon10 \slink3 \slocked \spriority9 \styrsid13711006 Heading 3 Char;}{\*\cs18 \additive \rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \b\i\f37\fs24\cf17\lang3081\langfe0\langnp3081\langfenp0 
\sbasedon10 \slink4 \slocked \ssemihidden \spriority9 \styrsid13711006 Heading 4 Char;}{\*\cs19 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf18 \sbasedon10 \sunhideused \styrsid13711006 Hyperlink;}{\s20\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar
\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls25\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 
\snext20 \sqformat \spriority0 \styrsid13711006 Num List 1;}{\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \snext21 \sqformat \spriority0 \styrsid13711006 Paragraph - Numbered;}{
\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext22 \sqformat \spriority0 \styrsid2369434 Indent1;}{\s23\qj \fi-720\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls25\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 
\sbasedon20 \snext23 \sqformat \spriority0 \styrsid13711006 Num List 2;}{\s24\qj \fi-720\li3481\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls25\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon23 \snext24 \sqformat \spriority0 \styrsid13711006 Num List 3;}{
\s25\ql \li720\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext25 \ssemihidden \sqformat \spriority0 \styrsid13711006 Quote 1;}{\s26\ql \li1440\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon25 \snext26 \ssemihidden \sqformat \spriority0 \styrsid13711006 Quote 2;}{
\s27\ql \li2160\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 
\sbasedon26 \snext27 \ssemihidden \sqformat \spriority0 \styrsid13711006 Quote 3;}{\s28\qj \fi-720\li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon20 \snext28 \sqformat \spriority34 \styrsid13711006 List Paragraph;}{\s29\ql \li0\ri0\sl-360\slmult0
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext29 \slink30 \styrsid13711006 
Body Text;}{\*\cs30 \additive \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20 \sbasedon10 \slink29 \slocked \styrsid13711006 Body Text Char;}{
\s31\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon22 \snext31 \sqformat \spriority0 \styrsid2369434 Indent2;}{
\s32\qj \fi-360\li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\ilvl2\outlinelevel2\adjustright\rin0\lin2880\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon31 \snext32 \sqformat \spriority0 \styrsid13711006 Indent3;}{\s33\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls27\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon37 \snext33 \styrsid13711006 List Bullet 2;}{\s34\qj \fi-1321\li3481\ri0\sb240\sa240\widctlpar
\jclisttab\tx2880\wrapdefault\aspalpha\aspnum\faauto\ls27\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \sbasedon33 \snext34 \styrsid13711006 List Bullet 3;}{\s35\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext35 \sqformat \spriority0 \styrsid13711006 Judgment Heading;}{
\s36\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 
\snext36 \sqformat \spriority0 \styrsid13711006 Judgment Coversheet;}{\s37\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls27\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 \snext37 \spriority0 \styrsid13711006 List Bullet 1;}{
\s38\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\outlinelevel0\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext21 \spriority0 \styrsid13711006 Paragraph - Indent;}{\*\ts39\tsrowd\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 
\trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 \trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tscellwidthfts0\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 \fs20\lang2057\langfe2057\loch\f36\hich\af36\dbch\af31505\cgrid\langnp2057\langfenp2057 
\sbasedon11 \snext39 \spriority59 \styrsid13711006 Table Grid;}{\s40\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext40 \spriority0 \styrsid13711006 Paragraph - No Indent;}}{\*\listtable{\list\listtemplateid986221192\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1800\jclisttab\tx1800\lin1800 }{\listname ;}\listid-132}{\list\listtemplateid1940806724\listsimple
{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid-131}
{\list\listtemplateid1909206690\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1080
\jclisttab\tx1080\lin1080 }{\listname ;}\listid-130}{\list\listtemplateid-673407674\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li720\jclisttab\tx720\lin720 }{\listname ;}\listid-129}{\list\listtemplateid-1513205490\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1800\jclisttab\tx1800\lin1800 }{\listname ;}\listid-128}{\list\listtemplateid1770679684\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid-127}{\list\listtemplateid-797824028\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid-126}{\list\listtemplateid1690874880\listsimple{\listlevel\levelnfc23
\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li720\jclisttab\tx720\lin720 }{\listname ;}\listid-125}{\list\listtemplateid487851506\listsimple
{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li360\jclisttab\tx360\lin360 }{\listname ;}\listid-120}
{\list\listtemplateid2018928277\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat30\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 
\fi-864\li3168\jclisttab\tx3168\lin3168 }{\listname ;}\listid10918149}{\list\listtemplateid208286386\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat12\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers
\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 \fi-864\li936\jclisttab\tx936\lin936 }{\listname ;}\listid23689787}{\list\listtemplateid1469778813\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace864\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\cgrid\hres0\chhres0 \fi-792\li2952\jclisttab\tx3024\lin2952 }{\listname ;}\listid34816144}{\list\listtemplateid907301818\listsimple{\listlevel
\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat18\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 \fi-864\li936\jclisttab\tx936\lin936 }{\listname 
;}\listid43655706}{\list\listtemplateid788819443\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat26\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\cgrid\hres0\chhres0 \fi-864\li936\jclisttab\tx936\lin936 }{\listname ;}\listid45238399}{\list\listtemplateid1205189055\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat35\levelspace792\levelindent0{\leveltext
\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 \fi-864\li1008\jclisttab\tx936\lin1008 }{\listname ;}\listid52869278}{\list\listtemplateid425949064\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat32\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 \fi-864\li936\jclisttab\tx936\lin936 }{\listname ;}\listid55173281}
{\list\listtemplateid427590907\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat15\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 
\fi-864\li936\jclisttab\tx936\lin936 }{\listname ;}\listid67799159}{\list\listtemplateid1200915536\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers
\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 \fi-864\li936\jclisttab\tx936\lin936 }{\listname ;}\listid78001481}{\list\listtemplateid-823638066{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-601\li2041\jclisttab\tx1440\lin2041 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-601\li2761\jclisttab\tx2160\lin2761 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}
\f3\fbias0\hres0\chhres0 \fi-1321\li4201\jclisttab\tx2880\lin4201 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0\hres0\chhres0 \fi-720\li3600\jclisttab\tx2520\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li4320\jclisttab\tx3240\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040
\jclisttab\tx3960\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760
\jclisttab\tx4680\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480
\jclisttab\tx5400\lin6480 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li7200
\jclisttab\tx6120\lin7200 }{\listname ;}\listid79839906\liststyleid760490016}{\list\listtemplateid133890887\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat13\levelspace720\levelindent0{\leveltext
\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\expnd0\expndtw4\cgrid\hres0\chhres0 \fi-720\li2232\jclisttab\tx2232\lin2232 }{\listname ;}\listid102588112}{\list\listtemplateid423751404\listsimple{\listlevel\levelnfc0\levelnfcn0
\leveljc0\leveljcn0\levelfollow0\levelstartat7\levelspace720\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\cgrid\hres0\chhres0 \fi-720\li2232\jclisttab\tx2232\lin2232 }{\listname ;}\listid129560185}
{\list\listtemplateid2084102879\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat5\levelspace864\levelindent0{\leveltext\'03[\'00];}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\cgrid\hres0\chhres0 
\fi-864\li936\jclisttab\tx936\lin936 }{\listname ;}\listid133697012}{\list\listtemplateid-1068482196{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'04(\'00) ;}{\levelnumbers\'02;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-601\li2041\jclisttab\tx1440\lin2041 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'04(\'01) ;}{\levelnumbers\'02;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-601\li2761\jclisttab\tx2160\lin2761 }{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'04(\'02) ;}{\levelnumbers\'02;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-1321\li4201\lin4201 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow1\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-125\li3005\lin3005 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'06;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'07;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\'01\'08;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li7200\lin7200 }{\listname ;}\listid212930889{\*\liststylename NumLists;}\spriority0 }{\list\listtemplateid-1785951926{\listlevel\levelnfc0
\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03\'00. ;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li3600\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li4320\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listname ;}\listid341401337{\*\liststylename NumParagraphs;}\spriority0 }
{\list\listtemplateid-1402956786\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid2072392550\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \s28
\fi-360\li726\lin726 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916419\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li1446\lin1446 }
{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916421\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2166\lin2166 }{\listlevel
\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916417\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li2886\lin2886 }{\listlevel\levelnfc23
\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916419\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li3606\lin3606 }{\listlevel\levelnfc23\levelnfcn23\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916421\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li4326\lin4326 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0
\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916417\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5046\lin5046 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0
\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid201916419\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li5766\lin5766 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid201916421\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li6486\lin6486 }{\listname ;}\listid649750286}{\list\listtemplateid2069918058{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi0\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2
\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi0\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0
\levelindent0{\leveltext\'01\'02;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi0\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li3600\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li4320\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'06;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }
{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'07;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255
\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'08;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listname ;}\listid654802600\liststyleid1016157319}
{\list\listtemplateid-1068482196{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'04(\'00) ;}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-601\li2041
\jclisttab\tx1440\lin2041 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'04(\'01) ;}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-601\li2761
\jclisttab\tx2160\lin2761 }{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'04(\'02) ;}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-1321\li4201\lin4201 }
{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow1\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-125\li3005\lin3005 }{\listlevel\levelnfc255\levelnfcn255
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\'01\'06;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\'07;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'08;}{\levelnumbers\'01;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li7200\lin7200 }{\listname ;}\listid754981193\liststyleid212930889}{\list\listtemplateid-823638066{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-601\li2041\jclisttab\tx1440\lin2041 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-601\li2761\jclisttab\tx2160\lin2761 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\u-3913 ?;}{\levelnumbers;}
\f3\fbias0\hres0\chhres0 \fi-1321\li4201\jclisttab\tx2880\lin4201 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0\hres0\chhres0 \fi-720\li3600\jclisttab\tx2520\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li4320\jclisttab\tx3240\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040
\jclisttab\tx3960\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760
\jclisttab\tx4680\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480
\jclisttab\tx5400\lin6480 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li7200
\jclisttab\tx6120\lin7200 }{\listname ;}\listid760490016{\*\liststylename ListBullets;}\spriority0 }{\list\listtemplateid-1785951926{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03\'00. ;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0\hres0\chhres0 \fi-720\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li3600\lin3600 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listname ;}\listid888884367\liststyleid341401337}{\list\listtemplateid1465405386{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'04[\'00] ;}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li3600\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listname ;}\listid912156751}{\list\listtemplateid-595397204{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0
\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0
\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\'02;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li3600\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'06;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'07;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'08;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listname ;}\listid1007485472\liststyleid1016157319}{\list\listtemplateid-1062075954{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \s22\fi0\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255
\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \s31\fi0\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0
\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'02;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi0\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li3600\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'06;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'07;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'08;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }
{\listname ;}\listid1016157319{\*\liststylename Indents;}\spriority0 }{\list\listtemplateid-1062075954{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \s22\fi0\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'01;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0\hres0\chhres0 \s31\fi0\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'02;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi0\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li2880\lin2880 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li3600\lin3600 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li4320\lin4320 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'01\'06;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5040\lin5040 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\'01\'07;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li5760\lin5760 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\'08;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li6480\lin6480 }{\listname ;}\listid1337268290\liststyleid1016157319}{\list\listtemplateid-1227983524{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-360\li1800\lin1800 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li3240\lin3240 }{\listname ;}\listid1723672921{\*\liststylename IndentParagraphs;}\spriority0 }{\list\listtemplateid-1227983524{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 
\fi-360\li2160\lin2160 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel
\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li3240\lin3240 }{\listname ;}\listid1991707422\liststyleid1723672921}}{\*\listoverridetable
{\listoverride\listid-125\listoverridecount0\ls1}{\listoverride\listid-126\listoverridecount0\ls2}{\listoverride\listid-125\listoverridecount0\ls3}{\listoverride\listid-126\listoverridecount0\ls4}{\listoverride\listid78001481\listoverridecount0\ls5}
{\listoverride\listid133697012\listoverridecount0\ls6}{\listoverride\listid34816144\listoverridecount0\ls7}{\listoverride\listid23689787\listoverridecount0\ls8}{\listoverride\listid67799159\listoverridecount0\ls9}{\listoverride\listid43655706
\listoverridecount0\ls10}{\listoverride\listid102588112\listoverridecount0\ls11}{\listoverride\listid129560185\listoverridecount0\ls12}{\listoverride\listid45238399\listoverridecount0\ls13}{\listoverride\listid10918149\listoverridecount0\ls14}
{\listoverride\listid55173281\listoverridecount0\ls15}{\listoverride\listid52869278\listoverridecount0\ls16}{\listoverride\listid649750286\listoverridecount0\ls17}{\listoverride\listid212930889\listoverridecount0\ls18}{\listoverride\listid1016157319
\listoverridecount0\ls19}{\listoverride\listid1016157319\listoverridecount9{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}
{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}{\lfolevel\listoverridestartat\levelstartat1}\ls20}
{\listoverride\listid760490016\listoverridecount0\ls21}{\listoverride\listid341401337\listoverridecount0\ls22}{\listoverride\listid912156751\listoverridecount0\ls23}{\listoverride\listid1723672921\listoverridecount0\ls24}{\listoverride\listid888884367
\listoverridecount0\ls25}{\listoverride\listid1991707422\listoverridecount0\ls26}{\listoverride\listid754981193\listoverridecount0\ls27}{\listoverride\listid1007485472\listoverridecount0\ls28}{\listoverride\listid79839906\listoverridecount0\ls29}
{\listoverride\listid-127\listoverridecount0\ls30}{\listoverride\listid-128\listoverridecount0\ls31}{\listoverride\listid-120\listoverridecount0\ls32}{\listoverride\listid-129\listoverridecount0\ls33}{\listoverride\listid-130\listoverridecount0\ls34}
{\listoverride\listid-131\listoverridecount0\ls35}{\listoverride\listid-132\listoverridecount0\ls36}{\listoverride\listid654802600\listoverridecount0\ls37}{\listoverride\listid1337268290\listoverridecount0\ls38}}{\*\rsidtbl \rsid2254945\rsid2369434
\rsid3292478\rsid5724223\rsid5775003\rsid6565956\rsid7293721\rsid7670329\rsid7935938\rsid9071831\rsid9118380\rsid10092775\rsid10246113\rsid10381606\rsid10446838\rsid10498962\rsid12196009\rsid12274811\rsid12346109\rsid13531075\rsid13588046\rsid13711006
\rsid14703665\rsid15753961}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\operator freriks_k}{\creatim\yr2016\mo10\dy21\hr16\min33}{\revtim\yr2016\mo11\dy3\hr8\min58}
{\version11}{\edmins1327}{\nofpages11}{\nofwords5619}{\nofchars26182}{\nofcharsws31738}{\vern32775}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}
\paperw12250\paperh20170\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect 
\widowctrl\ftnbj\aenddoc\trackmoves1\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\noxlattoyen
\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace120\dgvspace120\dghorigin1440\dgvorigin1440\dghshow0\dgvshow3
\jexpand\viewkind1\viewscale100\pgbrdrhead\pgbrdrfoot\ftnlytwnine\nolnhtadjtbl\useltbaln\alntblind\lytcalctblwd\lyttblrtgr\lnbrkrule\nobrkwrptbl\snaptogridincell\allowfieldendsel\ApplyBrkRules\asianbrkrule\rsidroot10498962\newtblstyruls\nogrowautofit 
\fet0{\*\wgrffmtfilter 0117}\ilfomacatclnup0\stylesortmethod0{\*\template C:\\Users\\thompson_m.PACLII.ORG.VU.000\\Desktop\\pac-judgment-template-final.dotx}\ltrpar \sectd \ltrsect\linex0\sectlinegrid326\sectdefaultcl\sectrsid15753961\sftnbj {\*\pnseclvl1
\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}{\*\pnseclvl5
\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang 
{\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\s29\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13711006 \rtlch\fcs1 
\af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 IN THE HIGH COURT OF THE COOK ISLANDS

\par \hich\af0\dbch\af31505\loch\f0 HELD AT RAROTONGA
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \hich\af0\dbch\af31505\loch\f0 (CIVIL DIVISION)
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 PLAINT NO. 7/03}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\par \hich\af0\dbch\af31505\loch\f0 BETWEEN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 PETER UREN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  of Burleigh Heads, Australia, Retired
\par \hich\af0\dbch\af31505\loch\f0 Plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\par \hich\af0\dbch\af31505\loch\f0 AND}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 ARTHUR HOSKINGS}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006 \hich\af0\dbch\af31505\loch\f0 of Rarotonga, Restaurateur
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 First Defendant
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 AND TEINA HOSKINGS}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006 \hich\af0\dbch\af31505\loch\f0 of Rarotonga,\hich\af0\dbch\af31505\loch\f0  Restaurateur
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Second Defendant
\par }\pard\plain \ltrpar\s40\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6565956 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Hearing:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 19 November 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956\charrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Counsel:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 C Little for Plaintiff
\par \hich\af0\dbch\af31505\loch\f0 N George for First and Second Defendants}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956\charrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Date of Judgment: 10 December 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956 
\par }\pard\plain \ltrpar\s35\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13711006 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 RESERVED JUDGMENT OF DAVID WILLIAMS J}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\ul\insrsid13711006 
\par }\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10381606 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7938\clshdrawnil \cellx7830\pard\plain \ltrpar\s29\qc \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 CONTENTS\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\trowd \irow0\irowband0\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7938\clshdrawnil \cellx7830\row \ltrrow}\trowd \irow1\irowband1\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\pard\plain \ltrpar
\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Para Nos}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\trowd \irow1\irowband1\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil 
\cellx7830\row \ltrrow}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Introduction}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 1 - 8}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \trowd \irow2\irowband2\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\row \ltrrow
}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Proced
\hich\af0\dbch\af31505\loch\f0 ural Matters \hich\f0 \emdash \loch\f0  Abandoned Defence under Development Investment Act 1977}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 
9-12\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \trowd \irow3\irowband3\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\row \ltrrow
}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Legal Principles concerning Gifts and Loans}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 13-15\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\trowd \irow4\irowband4\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil 
\cellx7830\row \ltrrow}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
The Evidence as to Events when the $40,000.00 was Advanced }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 16-25\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\trowd \irow5\irowband5\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil 
\cellx7830\row \ltrrow}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Subsequent Developments}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 26-28\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\trowd \irow6\irowband6\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil 
\cellx7830\row \ltrrow}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 The Demands for Repayment 
\hich\f0 \emdash \loch\f0  Ar\hich\af0\dbch\af31505\loch\f0 thur's Written Admission of a Loan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 29-33\cell }\pard\plain \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13711006 \trowd \irow7\irowband7\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\row \ltrrow
}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Result \hich\f0 \emdash 
\loch\f0  Plaintiff entitled to $40,000 and Interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 34-36\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\trowd \irow8\irowband8\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil 
\cellx7830\row \ltrrow}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Costs}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid13711006 \cell \hich\af0\dbch\af31505\loch\f0 37\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \trowd \irow9\irowband9\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\row \ltrrow
}\trowd \irow10\irowband10\ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7938\clshdrawnil \cellx7830\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af36 
\ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid6565956\charrsid10381606 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956 \trowd \irow10\irowband10\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7938\clshdrawnil \cellx7830\row \ltrrow}\pard\plain \ltrpar\s29\ql \li0\ri0\sl-360\slmult0
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Solicitors: See Attached}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10381606 \trowd \irow11\irowband11\ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth7938\clshdrawnil \cellx7830\row \ltrrow}\trowd \irow12\irowband12\lastrow \ltrrow
\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\pard\plain \ltrpar
\s29\ql \li0\ri0\sl-360\slmult0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10381606\yts39 \rtlch\fcs1 \af36\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Solicitor for the Plaintiff
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 \hich\af0\dbch\af31505\loch\f0 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid6565956 \hich\af0\dbch\af31505\loch\f0 Charles Little}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 
\par \hich\af0\dbch\af31505\loch\f0 Barrister & Solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 PO Box 167 
\par \hich\af0\dbch\af31505\loch\f0 Avarua, Rarotonga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Cook Islands 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 \cell }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Solici
\hich\af0\dbch\af31505\loch\f0 tor for the First and Second}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6565956 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Defendants:
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Norman George
\par \hich\af0\dbch\af31505\loch\f0 Barrister & Solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 PO Box 517}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 
\par \hich\af0\dbch\af31505\loch\f0 Rarotonga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606\charrsid10381606 
\par \hich\af0\dbch\af31505\loch\f0 Cook Islands}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid10381606 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10381606 
\trowd \irow12\irowband12\lastrow \ltrrow\ts39\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10381606\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0
\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4448\clshdrawnil \cellx4340\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth3490\clshdrawnil \cellx7830\row }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid6565956 \rtlch\fcs1 
\ab\af0\afs28\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10381606 \hich\af0\dbch\af31505\loch\f0 Introduction
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [1] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid6565956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 The chronological sequence of events is not i}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6565956 \hich\af0\dbch\af31505\loch\f0 n dispute and may be summaris}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 ed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 as follows. The plaintiff is a retired sales manager, \hich\af0\dbch\af31505\loch\f0 
aged 71, who resides at Burleigh Heads, Australia. He is an Australian national. The first and second defendants are residents of Rarotonga and have a lengthy history of employment in the hospitality industry. The first defendant is aged 54 and the second
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
defendant is aged 51. It will be convenient, and I hope not disrespectful, to address the parties in this judgment by their Christian names. Where I am referring to the first and second defendant together I shall refer to them as "the Hoskings".
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [2] \tab}\hich\af0\dbch\af31505\loch\f0 The Hoskin\hich\af0\dbch\af31505\loch\f0 
gs first met Peter in 1989 when t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 he Hoskings were working at the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Hayman's Holiday Resort on Hayman Island, Queensland, Australia. They struck up a friendship. At that stage Peter was a single person still employed as a sales manager. It was his practice to\hich\af0\dbch\af31505\loch\f0 
 take an annual week long vacation on Hayman Island so he saw a good deal of the Hoskings on his annual visits there between 1989 and 1992. The friendship continued and developed. On one occasion in 1990 the Hoskings allowed Peter to stay in their private
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 house at Hayman Island when they were away in Sydney.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [3] \tab}\hich\af0\dbch\af31505\loch\f0 In 1992 the Hoskings returned to the Co}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 ok Islands to manage the Tamure }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Resort Hotel. During that same year Peter paid them a surprise visit in Rarotonga and stayed with them for ten days. The friendship\hich\af0\dbch\af31505\loch\f0  was renewed.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [4] \tab}\hich\af0\dbch\af31505\loch\f0 
There was no contact between the parties betw}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 een 1992 to 1998 apart from one }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
telephone call where Peter spoke to Teina. Peter's 1998 visit to Rarotonga involved Peter bringing with him his partner Barbara Ellis. At the time of Peter's arrival\hich\af0\dbch\af31505\loch\f0 
 in May 1998 the Hoskings were the owners of the Oasis Motel. Teina explained in evidence that as of 1998 "times had been tough" in the Rarotonga tourist industry for the last few years. They had defaulted on payments to the bank in respect of financing o
\hich\af0\dbch\af31505\loch\f0 f\hich\af0\dbch\af31505\loch\f0  the Oasis. The bank had issued default notices calling up their mortgage but they had managed to reach arrangements with the bank which preserved their position.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [5] \tab}\hich\af0\dbch\af31505\loch\f0 
Not long before Peter's visit in 1998 the Ho}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 skings had become aware through }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
one of Teina's re\hich\af0\dbch\af31505\loch\f0 
latives, who was acquainted with the landlord, that the business/lease for PJ's restaurant in Rarotonga was for sale. The background was that PJ's had been closed for approximately nine months because the business had failed. The Hoskings were interested 
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 
n disposing of the Oasis and acquiring the PJ's lease and setting up a restaurant business. While Oasis had a less attractive situation off the main road down a driveway, the major attraction of the PJ's business was that it was on a prime road frontage.

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [6] \tab}\hich\af0\dbch\af31505\loch\f0 T\hich\af0\dbch\af31505\loch\f0 
he financial circumstances of the Hoskings we}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 re such that they would have to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
raise money to acquire the PJ's lease. This was not an easy task due to their financial position. It so happened that on the visit in May/June 1998 the possibility of the Hoskings\hich\af0\dbch\af31505\loch\f0 
 acquiring the PJ's business was discussed with Peter. There was no dispute that in June 1998 Peter advanced $40,000 to the Hoskings to enable them to acquire the PJ's business. Nor was there any dispute that in order to furnish the $40,000 Peter had to b
\hich\af0\dbch\af31505\loch\f0 o\hich\af0\dbch\af31505\loch\f0 rrow $12,000 from his own bank and to pay interest on that loan at 12.7% over three years. The loan was eventually repaid.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [7] \tab}\hich\af0\dbch\af31505\loch\f0 
The Hoskings duly took over the PJ's busines}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0 s. The Hoskings eventually sold }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
the Oasis in June 2000, but for a couple of years they we\hich\af0\dbch\af31505\loch\f0 re running both businesses. While it has changed its name PJ's has been fairly successful.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [8] \tab}\hich\af0\dbch\af31505\loch\f0 
Peter retired in 1999 and the sole source of his income now is his Australian}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Government pension. He has no investments. His retirement was in prospect at the time t\hich\af0\dbch\af31505\loch\f0 he $40,000 was advanced to the Hoskings in June 1998.
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid6565956 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid2254945 \hich\af0\dbch\af31505\loch\f0 Procedural Matters \hich\f0 \emdash \loch\f0 
 Abandoned Defence under Development Investment Act 1977
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [9] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid6565956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Peter took the view that the $40,000 was a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2254945 \hich\af0\dbch\af31505\loch\f0 dvanced as a loan. On 31 August }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 1999 he wrote to the Hoskings asking for repayment.
\hich\af0\dbch\af31505\loch\f0  There was no response to his letter. On 12 February 2003 his solicitor wrote a letter of claim to the Hoskings claiming $40,000. Again th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956 \hich\af0\dbch\af31505\loch\f0 e money 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 was not forthcoming. Proceedings were therefore issued by Peter against the Hoskings on April 2003. Notice of \hich\af0\dbch\af31505\loch\f0 
intention to defend was filed on 17 April 2003 and the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 Hoskings took the course of each filing affidavits on 7 July 2003 as a means of spelling out their defence. The defence was simple. The $40,000 was a gift and therefore they were under no obligation to
\hich\af0\dbch\af31505\loch\f0  repay. Their statement of defence accordingly asse}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6565956 \hich\af0\dbch\af31505\loch\f0 rted that the $40,000 had been }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
provided because of the years of friendship enjoyed by the parties which Peter wanted to continue for the rest of his life. The Hoskings sought to support their position by p\hich\af0\dbch\af31505\loch\f0 
ointing to the absence of a loan agreement or any other written undertaking concerning repayment. They did acknowledge that seven months after the $40,000 was provided, when the relationship had soured, Peter unilaterally decided to insist upon a repaymen
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
 arrangement in a monthly amount which they could afford. The Hoskings admitted receiving subsequent demands for repayment but said that they had chosen to ignore the demands as they were of the understanding that Peter had altered the grounds upon which 
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 he parties entered into the transactions by changing a gift into a loan. They vigorously denied the existence of a loan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid2254945 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [10] \tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 There was an alternative defence o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6565956 \hich\af0\dbch\af31505\loch\f0 f illegality under the Developm}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 ent}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Investment Act 1977. In the course of the closing submissions coun\hich\af0\dbch\af31505\loch\f0 
sel for the defendant outlined this defence. The Court drew attention to the fact that the 1977 Act had been repealed and replaced by the Development Investment Act 1995/1996. One of the effects of the 1995/1996 Act was to repeal section 46 of the Develop
\hich\af0\dbch\af31505\loch\f0 m\hich\af0\dbch\af31505\loch\f0 
ent Investment Act 1977 which had been inserted into the latter Act by the Development Investment Act (No 2) 1991. Section 46 had provided that in any case where a foreign enterprise carried on business in the Cook Islands in contravention of the 1977 Act
,\hich\af0\dbch\af31505\loch\f0 
 any loan or other contract entered into by that foreign enterprise should be illegal and of no effect, and none of the provisions of the Illegal Contracts Act 1987 were available to that foreign enterprise to save the transaction.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [11] \tab}}\pard \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid2369434 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Section 44 of the Develo\hich\af0\dbch\af31505\loch\f0 pment Investment Act 1995/1996 repealed the 1977}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2254945 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Act including section 46 and introduced a regime which, broadly speaking, reinstated the Illegal Contracts Act and entitled a foreign enterprise to apply from relief against illegality under the Act so long \hich\af0\dbch\af31505\loch\f0 
as the foreign enterprise and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2254945 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 the other party had no knowledge that they were contravening the Act. Section 40 of the 1995/1996 Act provides:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid2254945 
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"(1) A person who is in breach of any provision of this Act who, but for this section, would be entitled to apply \hich\af0\dbch\af31505\loch\f0 
for relief under the provisions of the Illegal Contracts Act 1987, shall not be entitled to relief under that Act where that person \hich\f0 \emdash 
\par {\listtext\tab}}\pard\plain \ltrpar\s31\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2369434 \hich\af0\dbch\af31505\loch\f0 (a) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 has deliberately done or made an act or omission in contravention of this Act; or
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2369434 \hich\af0\dbch\af31505\loch\f0 (b) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 knew or ought reasonably to have
\hich\af0\dbch\af31505\loch\f0  known that the act or omission done or made by him was in contravention of this Act.
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 (2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 In any case to which subsection (1) applies, the onus of proving that an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12274811 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid12274811 \hich\af0\dbch\af31505\loch\f0 act or omission was deliberate, or that he did not or could not reasonably have known that an\hich\af0\dbch\af31505\loch\f0 
 act or omission was in contravention of this Act, shall lie upon the person seeking relief, provided that ignorance of the law shall not be grounds for relief."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [12] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 In an exchange with counsel for the Hoskings}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12274811 \hich\af0\dbch\af31505\loch\f0  during his closing address the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Court pointed out \hich\af0\dbch\af31505\loch\f0 
that the pleaded defence under the repealed 1977 Act could not succeed since it was not the relevant statute at the time of the relevant transactions. Counsel was advised that if he wished to apply to amend the defence so as to rely upon the 1995/1996 Act
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 an amendment would be }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0 entertained, but its fate would}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 depend upon the attitude of counsel for the plaintiffs. The Court would have to rule on any such application. After counsel for the defence conferred with his clients he advised the Court that no amendm\hich\af0\dbch\af31505\loch\f0 
ent would be sought but neither did the Hoskings withdraw the 1977 Act defence. However, after hearing submissions from counsel for the plaintiff, the Court was then advised by Counsel for the Hoskings that the pleaded 1977 Act defence would not be pursue
\hich\af0\dbch\af31505\loch\f0 d\hich\af0\dbch\af31505\loch\f0 . The end result is that the sole question in the case is whether the $40,000 was advanced as a loan or as a gift. No question of illegality remains.
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid2369434 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 Legal Principles concerning }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid2369434 \hich\af0\dbch\af31505\loch\f0 Gifts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0  and Loans
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [13] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 The parties were one in agreeing that the law i}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0 n this area was\hich\af0\dbch\af31505\loch\f0  accurately laid }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 down by Hardie-Boys J in }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 Milne v Armijo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 , Unreported CP 7/88, 25 August 1989 and }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 Re Matthews}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
, [1993] 2 NZLR 91, both of which cases the Court had provided to counsel in advance of the hearing to assist them in their preparation. The stateme\hich\af0\dbch\af31505\loch\f0 nts from those cases, which both counsel agreed}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
provided the legal framework for resolution of the present dispute, were first the summary on pages }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7293721 \hich\af0\dbch\af31505\loch\f0 2 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 to 3 in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 Milne v Armijo}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid7293721 
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"The legal principles are clear and are to be found in the judgments of the Court \hich\af0\dbch\af31505\loch\f0 of Appeal in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 Seldon v Davidson}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 [1968] 1 WLR 1083. The law is that where there is not the kind of relationship in which the presumption of advancement arises, and it does not arise here, the payment of money by one person to another prima facie gives rise t
\hich\af0\dbch\af31505\loch\f0 
o an obligation to repay within a reasonable time of the making of demand but if the borrower repudiates the loans and asserts that the payments were gifts that repudiation renders the moneys immediately repayable. And if the recipient disputes the obliga
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
ion to repay, it is necessary for him to prove a gift. Whether there was a gift turns on two things: firstly, delivery; and secondly, intention of the donor; the latter being what is significant rather than the understanding of the donee. It is interestin
\hich\af0\dbch\af31505\loch\f0 g\hich\af0\dbch\af31505\loch\f0  in that respect to refer to the decision in what in a way is the reverse of the facts of this case in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13711006\charrsid7293721 
\hich\af0\dbch\af31505\loch\f0 Dewar v Dewar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 [1975] 2 All ER 728 where the payor intended a gift, the payee thought it was a loan, but it was nonetheless held to be a gift.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 In as much \hich\af0\dbch\af31505\loch\f0 
as on one view of this case there was a possible misunderstanding by Mr Armijo and also because of the particular nature of the association between the parties, Mr Rogers submitted that this is one of those domestic type cases where there was no intention
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
to create legal relations and so the law will import no contract, here no contract of loan, with the consequence that the payments became gifts. This approach has been developed by the Courts to deal with domestic transactions of rather different kinds fr
\hich\af0\dbch\af31505\loch\f0 o\hich\af0\dbch\af31505\loch\f0 
m the mere payment of money. In that kind of case the presumption of advancement arises or may arise and where it does not there is in my view no reason for any notion of what would in effect be an implied gift or a gift by default. Instead the law in eff
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0 ct implies a contract of loan with th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0 e obligation to repay as I have }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 indicated. This case, however, turns not so much on these points of law as on simple issues of credibility, but the principle as to where the onus lies is nonetheless of importance.
\par {\listtext\tab}}\pard\plain \ltrpar\s38\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 The i\hich\af0\dbch\af31505\loch\f0 
mportance of the objectively assessed intention of the donor, not the donee was reiterated at page 12:
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
As I have said, for there to be a gift there must be the appropriate intention on the part of the donor and that, of course, is able to be established by\hich\af0\dbch\af31505\loch\f0 
 inference from words and conduct in the same way as any other intention. It is not enough for the alleged donee to believe a gift is intended although often that belief may be based on what the donor said, itself sufficient to impute the necessary intent
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 on to the donor."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [14] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Counsel for the plaintiff also drew attention to the passage on pages 13-14}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 which emphasised that credibility is crucial in such cases:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid7293721 
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"Credibility always has to be decided on an assessment of the witnesses themselves, of the inherent cr\hich\af0\dbch\af31505\loch\f0 edibility of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2369434 \hich\af0\dbch\af31505\loch\f0 their evidence and of any other
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
evidence supporting it or detracting from it. After considering carefully all that I have heard and seen over the last two and a half days, my conclusion is that the Plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \hich\af0\dbch\af31505\loch\f0 f}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 s account is more credible, probably\hich\af0\dbch\af31505\loch\f0  not necessarily in every detail, but certainly as to the central issue. As usual one has}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2369434 \hich\af0\dbch\af31505\loch\f0  the feeling there is more to be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 said than one has heard, and it may well be that Mrs Milne has in various respects overstated to Mr Armijo's disadvantage and understa\hich\af0\dbch\af31505\loch\f0 ted to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7293721 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 her own advantage. She probably feels very foolish }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10246113 
\hich\af0\dbch\af31505\loch\f0 about the whole episode. As I fin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 
d is often the case, I put little store on a comparison of the demeanour of the witnesses, especially where there are two people of such different personalities and \hich\af0\dbch\af31505\loch\f0 
cultural backgrounds and where language difficulties intrude. On any view of the matter, Mrs Milne acted ver}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2369434 \hich\af0\dbch\af31505\loch\f0 y foolishly, whether it was to }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0 keep on trusting a man who was obviously not keeping }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2369434 
\hich\af0\dbch\af31505\loch\f0 his word, or to keep plying him}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid7293721 \hich\af0\dbch\af31505\loch\f0  with money in the hope to retain\hich\af0\dbch\af31505\loch\f0 
 his affections, or a combination of both. However, I do not take her to be the sort of person to have thrown her money away in the way Mr Armijo suggested, especially when the first large payment represented the savings she had put aside for a special pu
\hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 
pose, and when the second required her to borrow from her own sons. I cannot believe that she would send $4,000 to Chile as an enticement to a man who, according to him, was persisting in his rejection of her and who had deceived her."}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13711006\charrsid7293721 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [15] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 So far as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid13711006\charrsid2369434 \hich\af0\dbch\af31505\loch\f0 Re Matthew\hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 is concerned counsel referred the relevant passage (on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2369434 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 page 94):
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"Where there is a transfer of property without consideration, and where the parties are not connected by blood, there is no presumption of advancement, and so it is for the recipient or tra\hich\af0\dbch\af31505\loch\f0 
nsferee to prove that the transfer was a gift: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13711006\charrsid10246113 \hich\af0\dbch\af31505\loch\f0 Seldon v Davidson}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0  [1968] 2 All ER 755. In the case of a voluntary conveyance of real property, the position is succinctly stated in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid2369434 \hich\af0\dbch\af31505\loch\f0 20 Halsbur}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\insrsid13711006\charrsid10246113 \hich\af0\dbch\af31505\loch\f0 y's Laws of England}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  (4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2369434 
\hich\af0\dbch\af31505\loch\f0 th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  ed) at para 40:
\par {\listtext\tab}}\pard\plain \ltrpar\s31\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid2369434 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 "In a voluntary conveyance\hich\af0\dbch\af31505\loch\f0 
 of real property, a resulting trust for the grantor is no longer implied merely by reason that the property is not expressed to be conveyed for the use or benefit of the grantee, but if a conveyance is expressed to be for valuable consideration, although
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
in fact none was paid, the grantee, if he asserts that a gift was intended, must produce the clearest evidence of the alleged donor's intention, otherwise there may be a resulting trust for the grantor."
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid10092775 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 It follows that in this case Mr and Mrs Linto}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10092775 \hich\af0\dbch\af31505\loch\f0 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10092775 \hich\af0\dbch\af31505\loch\f0 m}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 ust \hich\af0\dbch\af31505\loch\f0 produce the "clearest evidence" of the donor's intention to make an outright gift."
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid10092775 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10246113 \hich\af0\dbch\af31505\loch\f0 The Evidence as to Events when the $40,000.00 was Advanced
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid10092775 \hich\af0\dbch\af31505\loch\f0 [16] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid10092775 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10092775 \hich\af0\dbch\af31505\loch\f0 Peter gave evidence on his own behalf, along }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10246113\charrsid10092775 \hich\af0\dbch\af31505\loch\f0 with his partner Barbara Ellis, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10092775 \hich\af0\dbch\af31505\loch\f0 who it will be recalled had been wit
\hich\af0\dbch\af31505\loch\f0 h him in the Cook Islands when the $40,000 was provided. Both the Hoskings gave evidence which was conveyed by way of their affidavits along with supplementary oral evidence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10092775 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10092775 \hich\af0\dbch\af31505\loch\f0  All four were cross-examined. There was not a great deal of dispute as to the chr\hich\af0\dbch\af31505\loch\f0 
onological sequence of events but, as might be expected, there was a difference of view as to what had been done and said around the time the $40,000 was provided.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [17] \tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 With the possible exception of one matter upon }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 which Arthur testified which is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 discussed in \hich\af0\dbch\af31505\loch\f0 paragraph 32 below all witnesses gave their best re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 collection of the events in ques}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 tion. However, there was a tendency on both sides to engage}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 in hindsight embellishment, especially concerning the precise discussions which took place when the arrangements \hich\af0\dbch\af31505\loch\f0 were made }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10092775 \hich\af0\dbch\af31505\loch\f0 for the provision of the $40,00}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
0. In those areas where there is any direct conflict of evidence I prefer the evidence of Peter, and Barbara Ellis, to the evidence of Teina and Arthur.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [18] \tab}\hich\af0\dbch\af31505\loch\f0 In his evidence-in-chief Peter confirmed t
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 hat he went to Rarot\hich\af0\dbch\af31505\loch\f0 onga in May }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
1998 on a package deal at the Edgewater Resort. There had been no contact between 1992 and 1998. At Edgewater he was not happy and after two days went to stay with a friend called John Lindsay. Near the end of the stay Peter ran into Teina and 
\hich\af0\dbch\af31505\loch\f0 Arthur. They were at the Oasis. They said, "Come and stay your last few days with us." Peter was very pleased to see the Hoskings so he accepted their invitation.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [19] \tab}}\pard \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid7670329 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
It was during these last three to four days of his }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 stay, one night after dinner at the Oasis,\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
that the discussion about PJ's restaurant came up. Teina and Arthur said that PJ's had been very successful. It was up the road from them. It had been taken over by the son of the former owner but he had not succeeded in his management. PJ's had been clos
\hich\af0\dbch\af31505\loch\f0 ed for seven to eight months. Teina and Arthu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7670329 \hich\af0\dbch\af31505\loch\f0 r wanted to lease PJ's. The lea}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 se money being asked for was $45,000. Peter claims he}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7670329 \hich\af0\dbch\af31505\loch\f0  told them, "Try to get it down}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  to $40,000 and I'll lend you the money." He said he really cared for them as his friends. He sa\hich\af0\dbch\af31505\loch\f0 
id Teina and Arthur were very pleased. Peter claimed he had said he would not charge interest because he knew he would return to Rarotonga. I took this to be an allusion to the fact that he would receive hospitality on the subsequent trips to Rarotonga wh
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 ch trips he certainly envisaged after his retirement.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [20] \tab}}\pard \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Ms Barbara Ellis gave evidence and her ver}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 sion of these conversations was }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
much the same effect. She remembered that Peter had said he could lend the money. She stated that Peter said words like the foll\hich\af0\dbch\af31505\loch\f0 owing:
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"I think we would be able to help you out with $40,000 by lending you the money."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [21] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Both Peter and Barbara accepted that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10246113 \hich\af0\dbch\af31505\loch\f0 the terms of repayment were not }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
discussed in the initial meetings but they said that there had been a luncheon the following day a\hich\af0\dbch\af31505\loch\f0 
t Trader Jack's Restaurant in Rarotonga before they left to return to Australia. Peter and Barbara were firm in their evidence that during}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 the course of the luncheon it had been agreed that the Hoskings would send a written contract concerning the loan to \hich\af0\dbch\af31505\loch\f0 
Peter in Australia and that the Hoskings agreed to "send what they could each month, $200 or so". The Hoskings denied all of this. Mrs Hosking said she never discussed business over lunch. However, she did acknowledge that she and Arthur had said, as Pete
\hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 
 and Barbara claimed, that the Hoskings would not include Peter in the licence for the PJ's business because they would not want to expose him to unnecessary financial risk. I accept Peter and Barbara's evidence that there was an arrangement agreed at Tra
\hich\af0\dbch\af31505\loch\f0 d\hich\af0\dbch\af31505\loch\f0 
er Jack's whereby some note, record, or contract concerning the loan was to be prepared and forwarded to Peter in Australia and that there were discussions about repayments. I do not accept the evidence that no business was discussed. The offer of the $40
,\hich\af0\dbch\af31505\loch\f0 000 was an obvious topic for discussion over lunch.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [22] \tab}\hich\af0\dbch\af31505\loch\f0 
The main evidence for the defence was from Teina. Her affidavit evidence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 was to the following effect:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10246113 
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 "12.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 It was during this time when we were having difficulties with the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10246113 \hich\af0\dbch\af31505\loch\f0 Development Bank over our prope\hich\af0\dbch\af31505\loch\f0 
rty that discussions extended to us buying the lease on PJ's Restaurant.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 13. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
The Plaintiff encouraged us to lease PJ's Restaurant, he said he had some money and would be pr}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 epared to give the money as a g}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 if}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 t for}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 the years of friendship we have had and wishe\hich\af0\dbch\af31505\loch\f0 d us to continue for life.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 14. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
About the end of May 1998 the Plaintiff sent the money being the sum of $40,000 by telegraphic bank transfer, which we used to buy the lease on PJ's Restaurant which we changed to Hosking's Chinese Restaurant which we still h
\hich\af0\dbch\af31505\loch\f0 ave.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 15. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
No loan agreement was signed as there was no loan and I recall a lawyer handling the lease saying how lucky we were to receive the money without the need to pay it back."
\par {\listtext\tab}}\pard\plain \ltrpar\s38\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
When asked in cross-examination about the discussion when Peter first offere\hich\af0\dbch\af31505\loch\f0 d to provide the $40,000, her evidence as to what Peter said was rather different. She said Peter's words had been to the following effect:
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 "I have some money. I can give you money}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14703665 \hich\af0\dbch\af31505\loch\f0  for PJ}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 's. It would involve us}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
 being together a lot. If you have to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14703665 \hich\af0\dbch\af31505\loch\f0  let go o\hich\af0\dbch\af31505\loch\f0 f Oasis you can have PJ}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 's."
\par {\listtext\tab}}\pard\plain \ltrpar\s38\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 She claimed there was no mention of a loan.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13711006\charrsid10246113 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [23] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
The oral evidence of Mr Hosking was brief on the central issues. He did little}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 more than confirm his affidavit in which he said in paragraphs 6 and 7:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10246113 
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 "6.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 During the Plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14703665 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 s stay, \hich\af0\dbch\af31505\loch\f0 he became aware of financial difficulties}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13711006\charrsid10246113 \hich\af0\dbch\af31505\loch\f0 we were having, we were interested in renting PJ's Restaurant which was vacant for some six months to secure us a better business venture.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 7. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
The Plaintiff offered to help, as he had some money, by putting the foll\hich\af0\dbch\af31505\loch\f0 owing proposition to us:
\par {\listtext\tab}}\pard\plain \ltrpar\s31\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls28\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid10246113 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"I would be prepared to give the money as a gift for the years of friendship we have had and I want us to continue for life."
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 8. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 The only condition the Plaintiff mentioned was for Teina and I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14703665 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 to look after him in kind whenever he v\hich\af0\dbch\af31505\loch\f0 isited Rarotonga.
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0 9. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
We continued with the discussions right until the end of the visit and in May of 1998, the Plaintiff sent the money by telegraphic transfer."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [24] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
He could not recall discussing business at lunch at Trader Jack's but did not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10246113 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 explicitly deny\hich\af0\dbch\af31505\loch\f0 
 that business had been discussed. He could not recall the contract or loan being mentioned at lunch. He simply said in his evidence that Peter had "given money to us to help with PJ's". He said there were no conditions. He denied a promise to send the co
\hich\af0\dbch\af31505\loch\f0 n\hich\af0\dbch\af31505\loch\f0 tract to Australia and said that the first time that repaym}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12346109 \hich\af0\dbch\af31505\loch\f0 
ent was requested was after the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  dispute had materialised.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid10246113 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [25] \tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 In relation to the critical conversations between the parties over the $40,000 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12346109 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 do not accept the affidavit evidence of the defendants nor\hich\af0\dbch\af31505\loch\f0 
 their oral evidence. I find no evidence that there was an express statement by Peter that the money was being gifted to them. Bearing in mind the rather modest resources of the plaintiff, that he would need to borrow some part of the $40,000, and the fac
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
 that the parties had not seen each other for six years, an outright gift seems to me to be highly improbable. I find that either the word "loan" was used, or, as Teina said in cross-examination, that Peter simply said "I can help you with $40,000" never 
\hich\af0\dbch\af31505\loch\f0 m\hich\af0\dbch\af31505\loch\f0 
entioning a loan and never intending that it was to be a gift. I further accept Peter's evidence that he said during a meal at the Oasis, "I won't charge you interest" because he "knew [he]'d be back" and expected some hospitality in return.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13711006\charrsid12346109 
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid14703665 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid12346109 \hich\af0\dbch\af31505\loch\f0 Subsequent Dev\hich\af0\dbch\af31505\loch\f0 elopments
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [26] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid14703665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 The foregoing findings are sufficient to d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12346109 \hich\af0\dbch\af31505\loch\f0 ecide the case in favour of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
plaintiff but I find that in any event that the subsequent conduct of the parties strongly supp}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14703665 \hich\af0\dbch\af31505\loch\f0 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 rts Peter's position that a loan had been granted. First of all Peter was ob\hich\af0\dbch\af31505\loch\f0 
liged to apply for finance for $12,000 of the $40,000. The "personal loan enquiry" he made on 28 May 1998 records that the purpose of the loan was "assisting friends with purchase of business". Secondly, I accept his evidence that he was surprised that no
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
contract appeared after he had transmitted the $40,000, that he telephoned the Hoskings two or three times over the next 3-4 months and asked why there was no contract and no sign of part payments, and that he was given evasive answers.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [27] \tab}\hich\af0\dbch\af31505\loch\f0 Thirdly, during Pet
\hich\af0\dbch\af31505\loch\f0 er's 1998 visit to Rarotonga I }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12346109 \hich\af0\dbch\af31505\loch\f0 consider that Peter is telling }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 the truth when he said that on that occasion he was told that "as soon as the restaurant comes good we will send you the money". Teina explained in her evidence that it took a lot of extra money
\hich\af0\dbch\af31505\loch\f0 
 to get PJ's running over and above the $40,000 and that they had had to raise additional finance, with a different bank, to facilitate the upgrade. All of that is entirely consistent with a statement that they would pay the money when the business starte
\hich\af0\dbch\af31505\loch\f0 d\hich\af0\dbch\af31505\loch\f0  to progress.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [28] \tab}\hich\af0\dbch\af31505\loch\f0 
Fourthly, in June 1999 Peter returned and raised}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12346109 \hich\af0\dbch\af31505\loch\f0  with the Hoskings the issue of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
payment and was promised $150 a week. He went to the ANZ Bank in Avarua and asked for a cheque deposit slip to enable the Hoskings to pay money into an account he\hich\af0\dbch\af31505\loch\f0 
 had opened in Rarotonga for this purpose. He said that no such money was ever paid. The Hoskings acknowledged receiving the passbook. Peter said that on this visit Arthur promised to repay out of the proceeds of a sale of some family land which sale was 
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
hen being negotiated by Teina's family. In cross-examination Teina admitted that the land had subsequently been sold for $450,000 but said that it was "not all hers and had to be shared with her family".
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid7935938 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid12346109 \hich\af0\dbch\af31505\loch\f0 The Demands}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7935938 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid12346109 \hich\af0\dbch\af31505\loch\f0 for Repayment \hich\f0 \emdash \loch\f0  Arthur's Written Admissi\hich\af0\dbch\af31505\loch\f0 on of a Loan
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [29] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
A handwritten letter dated 4 August 1999 from Peter to Teina and Arthur states}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5775003 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
in part:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid12346109 
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"I received your letter this week re the charges for past accommodation and meals... I am surprised and disappointed you have seen fit to bill me. You pers\hich\af0\dbch\af31505\loch\f0 
onally extended to me the offer to come and stay as often as I wished, no charge was ever mentioned on any occasion. Par}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12346109 \hich\af0\dbch\af31505\loch\f0 ticularly bearing in mind that }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 I had waived interest in respect of my loan of $40,000 to you, you have never repaid any amount of this d\hich\af0\dbch\af31505\loch\f0 espite promises to do so.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 
How many of your friends would lend $40,000. If you had borrowed from the bank it would have been an even bigger burden financially as you were obviously deep in debt when I lent you the money (with Oasis). The cost to me financia
\hich\af0\dbch\af31505\loch\f0 
lly above the $40,000 (loss of my interest... and interest on $12,000 loan totals $54,300... I would appreciate how and when you intend to repay me as I have rung the ANZ Bank and as no payment has been made over 12 months. What has happened to the Teina 
\hich\af0\dbch\af31505\loch\f0 I\hich\af0\dbch\af31505\loch\f0  used to know?
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12346109 \hich\af0\dbch\af31505\loch\f0 Sincerely
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Peter."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [30] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid13531075 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 In August 1999 Peter wrote to the Hoskings in the following terms:
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 "Dear Teina and Arthur,
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid5775003 \hich\af0\dbch\af31505\loch\f0 Re Loan $40,000
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 As you have not responded to my Fax dated August 4 1999 I now request that you take immediate steps to repay th\hich\af0\dbch\af31505\loch\f0 
is loan with regular payments.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 When the above amount was originally loaned to you in June 1998 I opened an account and supplied you with an account number to enable monthly payments to be deposited.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 O}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5775003 \hich\af0\dbch\af31505\loch\f0 n my last visit in June 1399 a b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
ank deposit book was mad\hich\af0\dbch\af31505\loch\f0 e available to you for this purpose.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 The loan was made on the basis of friendship and repayment was sought on the same basis.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 Photostat copies of documents confirming this debt and a copy of the transfer slip that released $40,000 from my bank account to y\hich\af0\dbch\af31505\loch\f0 
our bank and a letter from you acknowledging your indebtedness to me have been previously forwarded to you.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 To date not one repayment, which is important to my security, has been effected by you. Unless you commence a satisfactory and reliable scheme of re\hich\af0\dbch\af31505\loch\f0 
payment I will be left with no option other than to consult my lawyer and have this matter decided in court. As any court proceedings will have to be held in Rarotonga this will undoubtedly involve additional costs.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 If a suitable proposal and repayment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5775003 \hich\af0\dbch\af31505\loch\f0 is \hich\af0\dbch\af31505\loch\f0 not received by September 21st}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0  1999 I shall take immediate steps for recovery through my solicitor."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [31] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
There was no reply to that letter. Eventually Peter briefed a lawyer in Rarotonga. On 12 February 2003 Mr Charles Little sent the following letter}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5775003 \hich\af0\dbch\af31505\loch\f0  to the H
\hich\af0\dbch\af31505\loch\f0 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 skings:
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
"I act for Peter Uren. My client advises me you are indebted to him in the sum of $40,000. Unless you admit liability and contact me to arrange repayment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12346109 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid12346109 \hich\af0\dbch\af31505\loch\f0 within 21 days of the date of this letter the sum of $40,000 plus inte}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid3292478 \hich\af0\dbch\af31505\loch\f0 rest at the statutory r\hich\af0\dbch\af31505\loch\f0 ate of 8% }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid12346109 
\hich\af0\dbch\af31505\loch\f0 per annum calculated from 2 June 1998 to date (the debt) I am instructed to commence legal proceedings for recovery of the debt without further notice to you."}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid12346109 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [32] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 On 5 March 2003 Arthur replied to Mr Little as follows:
\par {\listtext\tab}}\pard\plain \ltrpar\s22\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid5775003 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 "Dear Sir,
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid5775003 \hich\af0\dbch\af31505\loch\f0 Re: Peter Uren
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 We h\hich\af0\dbch\af31505\loch\f0 ave received your letter on behalf of Peter Uren.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 You may be aware that Peter Uren did not receive Development Investment Board approval for the lending.
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 Nevertheless, we acknowledge having borrowed money from Peter Uren. Our financial position at this tim\hich\af0\dbch\af31505\loch\f0 e does not allow us to make any repayment."
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [33] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid13531075 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
That letter contains an express acknowledgement that money had been borrowed from Peter. It says not a word about the alleged gift. It was written after legal advice had been taken by Arthur. When confronted\hich\af0\dbch\af31505\loch\f0 
 in cross-examination with this devastating admission Arthur sought to suggest that he had not composed the letter, it had been prepared for him by his solicitors, it did not accurately express his views, and that he did not read it properly before he sen
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
 it. I entirely reject these explanations. If, in truth, there was a gift and if legal advice had been taken, then surely this was the occasion upon which the true position of gift would have been spelled out. The first mention of "gift" was not until 7 J
\hich\af0\dbch\af31505\loch\f0 u\hich\af0\dbch\af31505\loch\f0 
ly 2003 in the two affidavits which were filed on that date. Instead there was in this letter an explicit written acknowledgement of a loan and two alternative explanations as to why repayment was not possible: one, that the consent of the Development Com
\hich\af0\dbch\af31505\loch\f0 m\hich\af0\dbch\af31505\loch\f0 
ission had not been obtained (i.e. it was an unenforceable illegal loan) and two; that they were unable to pay. The latter claim is also lacking in credibility because Teina said in evidence that the current business is "fine" and acknowledged that she ha
\hich\af0\dbch\af31505\loch\f0 d\hich\af0\dbch\af31505\loch\f0  received part of a fairly recent $450,000 family land sale.
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid13531075 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid3292478 \hich\af0\dbch\af31505\loch\f0 Result \hich\f0 \emdash \loch\f0 
 Plaintiff entitled to $40,000.00 and Interest
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [34] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid13531075 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 Applying the legal principles referred to in [13] to [15] above and}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3292478 \hich\af0\dbch\af31505\loch\f0  for all of the foregoing reason}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 s I find that the plaintiff is entit
\hich\af0\dbch\af31505\loch\f0 led to recover the sum of $40,000.00. The Hoskings have failed to prove a gift. Peter did not intend to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3292478 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 make a gift of the $40,000.00. Peter is also entitled to prejudgment interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3292478 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 under section 89 of the Judicature Act at the rate of 8% from 31 August 19
\hich\af0\dbch\af31505\loch\f0 99,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3292478 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 down to the date of judgment.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid3292478 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [35] \tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 Pre-judgment interest under the Judicature Act is discretionary so the Court requested submissions on the matter. Counsel for the Hoskings said that no interest should be awarded because of the inherent nature of the 
\hich\af0\dbch\af31505\loch\f0 
transaction which was "a dealing between friends". He emphasised that no interest had ever been called for. There was no agreement for interest at the outset and none should be allowed now. He submitted that the fact that Peter himself had had to pay inte
\hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 
est on part of the sum lent was irrelevant because this had not been disclosed to the Hoskings. He did, however, concede that the $40,000 had provided a 'lift-off for the Hoskings on the PJ's business and that that business had been rewarding and successf
\hich\af0\dbch\af31505\loch\f0 u\hich\af0\dbch\af31505\loch\f0 l.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [36] \tab}\hich\af0\dbch\af31505\loch\f0 
The Court does not accept these submissions on interest. Especially bearing in mind the circumstances of the plaintiff as a retired person, the difficulty to which he has been put in recovering the $40,000, and the absence of any effort}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9118380 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 to make rep\hich\af0\dbch\af31505\loch\f0 ayments by instalments when requested,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13711006 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9118380 \hich\af0\dbch\af31505\loch\f0 interest is properly }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 
\hich\af0\dbch\af31505\loch\f0 recoverable.
\par }\pard\plain \ltrpar\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0\pararsid13531075 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 
\b\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid9118380 \hich\af0\dbch\af31505\loch\f0 Costs
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 [37] \tab}}\pard\plain \ltrpar
\s21\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid13531075 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 
Peter is entitled to costs. If the parties cannot agree costs they must file memoranda within 21 days from the date of this judgment. The Court will then fix costs and disb\hich\af0\dbch\af31505\loch\f0 ursements.
\par }\pard\plain \ltrpar\s40\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9118380 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13711006\charrsid13711006 \hich\af0\dbch\af31505\loch\f0 SIGNED at Auckland on the 10th of December 2003 at 4.30pm.
\par }\pard \ltrpar\s40\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9118380 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13711006\charrsid9118380 \hich\af0\dbch\af31505\loch\f0 David Williams J
\par }{\*\themedata 504b030414000600080000002100828abc13fa0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb6ac3301045f785fe83d0b6d8
72ba28a5d8cea249777d2cd20f18e4b12d6a8f843409c9df77ecb850ba082d74231062ce997b55ae8fe3a00e1893f354e9555e6885647de3a8abf4fbee29bbd7
2a3150038327acf409935ed7d757e5ee14302999a654e99e393c18936c8f23a4dc072479697d1c81e51a3b13c07e4087e6b628ee8cf5c4489cf1c4d075f92a0b
44d7a07a83c82f308ac7b0a0f0fbf90c2480980b58abc733615aa2d210c2e02cb04430076a7ee833dfb6ce62e3ed7e14693e8317d8cd0433bf5c60f53fea2fe7
065bd80facb647e9e25c7fc421fd2ddb526b2e9373fed4bb902e182e97b7b461e6bfad3f010000ffff0300504b030414000600080000002100a5d6a7e7c00000
00360100000b0000005f72656c732f2e72656c73848fcf6ac3300c87ef85bd83d17d51d2c31825762fa590432fa37d00e1287f68221bdb1bebdb4fc7060abb08
84a4eff7a93dfeae8bf9e194e720169aaa06c3e2433fcb68e1763dbf7f82c985a4a725085b787086a37bdbb55fbc50d1a33ccd311ba548b63095120f88d94fbc
52ae4264d1c910d24a45db3462247fa791715fd71f989e19e0364cd3f51652d73760ae8fa8c9ffb3c330cc9e4fc17faf2ce545046e37944c69e462a1a82fe353
bd90a865aad41ed0b5b8f9d6fd010000ffff0300504b0304140006000800000021006b799616830000008a0000001c0000007468656d652f7468656d652f7468
656d654d616e616765722e786d6c0ccc4d0ac3201040e17da17790d93763bb284562b2cbaebbf600439c1a41c7a0d29fdbd7e5e38337cedf14d59b4b0d592c9c
070d8a65cd2e88b7f07c2ca71ba8da481cc52c6ce1c715e6e97818c9b48d13df49c873517d23d59085adb5dd20d6b52bd521ef2cdd5eb9246a3d8b4757e8d3f7
29e245eb2b260a0238fd010000ffff0300504b03041400060008000000210096b5ade296060000501b0000160000007468656d652f7468656d652f7468656d65
312e786d6cec594f6fdb3614bf0fd87720746f6327761a07758ad8b19b2d4d1bc46e871e698996d850a240d2497d1bdae38001c3ba618715d86d87615b8116d8
a5fb34d93a6c1dd0afb0475292c5585e9236d88aad3e2412f9e3fbff1e1fa9abd7eec70c1d1221294fda5efd72cd4324f1794093b0eddd1ef62fad79482a9c04
98f184b4bd2991deb58df7dfbb8ad755446282607d22d771db8b944ad79796a40fc3585ee62949606ecc458c15bc8a702910f808e8c66c69b9565b5d8a314d3c
94e018c8de1a8fa94fd05093f43672e23d06af89927ac06762a049136785c10607758d9053d965021d62d6f6804fc08f86e4bef210c352c144dbab999fb7b471
7509af678b985ab0b6b4ae6f7ed9ba6c4170b06c788a705430adf71bad2b5b057d03606a1ed7ebf5babd7a41cf00b0ef83a6569632cd467faddec9699640f671
9e76b7d6ac355c7c89feca9cccad4ea7d36c65b258a206641f1b73f8b5da6a6373d9c11b90c537e7f08dce66b7bbeae00dc8e257e7f0fd2badd5868b37a088d1
e4600ead1ddaef67d40bc898b3ed4af81ac0d76a197c86826828a24bb318f3442d8ab518dfe3a20f000d6458d104a9694ac6d88728eee2782428d60cf03ac1a5
193be4cbb921cd0b495fd054b5bd0f530c1931a3f7eaf9f7af9e3f45c70f9e1d3ff8e9f8e1c3e3073f5a42ceaa6d9c84e5552fbffdeccfc71fa33f9e7ef3f2d1
17d57859c6fffac327bffcfc793510d26726ce8b2f9ffcf6ecc98baf3efdfdbb4715f04d814765f890c644a29be408edf3181433567125272371be15c308d3f2
8acd249438c19a4b05fd9e8a1cf4cd296699771c393ac4b5e01d01e5a30a787d72cf1178108989a2159c77a2d801ee72ce3a5c545a6147f32a99793849c26ae6
6252c6ed637c58c5bb8b13c7bfbd490a75330f4b47f16e441c31f7184e140e494214d273fc80900aedee52ead87597fa824b3e56e82e451d4c2b4d32a423279a
668bb6690c7e9956e90cfe766cb37b077538abd27a8b1cba48c80acc2a841f12e698f13a9e281c57911ce298950d7e03aba84ac8c154f8655c4f2af074481847
bd804859b5e696007d4b4edfc150b12addbecba6b18b148a1e54d1bc81392f23b7f84137c2715a851dd0242a633f900710a218ed715505dfe56e86e877f0034e
16bafb0e258ebb4faf06b769e888340b103d3311da9750aa9d0a1cd3e4efca31a3508f6d0c5c5c398602f8e2ebc71591f5b616e24dd893aa3261fb44f95d843b
5974bb5c04f4edafb95b7892ec1108f3f98de75dc97d5772bdff7cc95d94cf672db4b3da0a6557f70db629362d72bcb0431e53c6066acac80d699a6409fb44d0
8741bdce9c0e4971624a2378cceaba830b05366b90e0ea23aaa241845368b0eb9e2612ca8c742851ca251ceccc70256d8d87265dd96361531f186c3d9058edf2
c00eafe8e1fc5c509031bb4d680e9f39a3154de0accc56ae644441edd76156d7429d995bdd88664a9dc3ad50197c38af1a0c16d684060441db02565e85f3b966
0d0713cc48a0ed6ef7dedc2dc60b17e92219e180643ed27acffba86e9c94c78ab90980d8a9f0913ee49d62b512b79626fb06dccee2a432bbc60276b9f7dec44b
7904cfbca4f3f6443ab2a49c9c2c41476dafd55c6e7ac8c769db1bc399161ee314bc2e75cf8759081743be1236ec4f4d6693e5336fb672c5dc24a8c33585b5fb
9cc24e1d4885545b58463634cc5416022cd19cacfccb4d30eb45296023fd35a458598360f8d7a4003bbaae25e331f155d9d9a5116d3bfb9a95523e51440ca2e0
088dd844ec6370bf0e55d027a012ae264c45d02f708fa6ad6da6dce29c255df9f6cae0ec38666984b372ab5334cf640b37795cc860de4ae2816e95b21be5ceaf
8a49f90b52a51cc6ff3355f47e0237052b81f6800fd7b802239daf6d8f0b1571a8426944fdbe80c6c1d40e8816b88b8569082ab84c36ff0539d4ff6dce591a26
ade1c0a7f669880485fd484582903d284b26fa4e2156cff62e4b9265844c4495c495a9157b440e091bea1ab8aaf7760f4510eaa69a6465c0e04ec69ffb9e65d0
28d44d4e39df9c1a52ecbd3607fee9cec7263328e5d661d3d0e4f62f44acd855ed7ab33cdf7bcb8ae889599bd5c8b3029895b6825696f6af29c239b75a5bb1e6
345e6ee6c28117e73586c1a2214ae1be07e93fb0ff51e133fb65426fa843be0fb515c187064d0cc206a2fa926d3c902e907670048d931db4c1a44959d366ad93
b65abe595f70a75bf03d616c2dd959fc7d4e6317cd99cbcec9c58b34766661c7d6766ca1a9c1b327531486c6f941c638c67cd22a7f75e2a37be0e82db8df9f30
254d30c1372581a1f51c983c80e4b71ccdd28dbf000000ffff0300504b0304140006000800000021000dd1909fb60000001b010000270000007468656d652f74
68656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73848f4d0ac2301484f78277086f6fd3ba109126dd88d0add40384e4350d363f24
51eced0dae2c082e8761be9969bb979dc9136332de3168aa1a083ae995719ac16db8ec8e4052164e89d93b64b060828e6f37ed1567914b284d262452282e3198
720e274a939cd08a54f980ae38a38f56e422a3a641c8bbd048f7757da0f19b017cc524bd62107bd5001996509affb3fd381a89672f1f165dfe514173d9850528
a2c6cce0239baa4c04ca5bbabac4df000000ffff0300504b01022d0014000600080000002100828abc13fa0000001c0200001300000000000000000000000000
000000005b436f6e74656e745f54797065735d2e786d6c504b01022d0014000600080000002100a5d6a7e7c0000000360100000b000000000000000000000000
002b0100005f72656c732f2e72656c73504b01022d00140006000800000021006b799616830000008a0000001c00000000000000000000000000140200007468
656d652f7468656d652f7468656d654d616e616765722e786d6c504b01022d001400060008000000210096b5ade296060000501b000016000000000000000000
00000000d10200007468656d652f7468656d652f7468656d65312e786d6c504b01022d00140006000800000021000dd1909fb60000001b010000270000000000
00000000000000009b0900007468656d652f7468656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73504b050600000000050005005d010000960a00000000}
{\*\colorschememapping 3c3f786d6c2076657273696f6e3d22312e302220656e636f64696e673d225554462d3822207374616e64616c6f6e653d22796573223f3e0d0a3c613a636c724d
617020786d6c6e733a613d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f72672f64726177696e676d6c2f323030362f6d6169
6e22206267313d226c743122207478313d22646b3122206267323d226c743222207478323d22646b322220616363656e74313d22616363656e74312220616363
656e74323d22616363656e74322220616363656e74333d22616363656e74332220616363656e74343d22616363656e74342220616363656e74353d22616363656e74352220616363656e74363d22616363656e74362220686c696e6b3d22686c696e6b2220666f6c486c696e6b3d22666f6c486c696e6b222f3e}
{\*\latentstyles\lsdstimax267\lsdlockeddef0\lsdsemihiddendef1\lsdunhideuseddef1\lsdqformatdef0\lsdprioritydef99{\lsdlockedexcept \lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority0 \lsdlocked0 Normal;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority9 \lsdlocked0 heading 1;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 2;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 3;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 4;
\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 5;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 6;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 7;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 8;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 9;
\lsdpriority39 \lsdlocked0 toc 1;\lsdpriority39 \lsdlocked0 toc 2;\lsdpriority39 \lsdlocked0 toc 3;\lsdpriority39 \lsdlocked0 toc 4;\lsdpriority39 \lsdlocked0 toc 5;\lsdpriority39 \lsdlocked0 toc 6;\lsdpriority39 \lsdlocked0 toc 7;
\lsdpriority39 \lsdlocked0 toc 8;\lsdpriority39 \lsdlocked0 toc 9;\lsdqformat1 \lsdpriority35 \lsdlocked0 caption;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority10 \lsdlocked0 Title;
\lsdunhideused0 \lsdpriority1 \lsdlocked0 Default Paragraph Font;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority11 \lsdlocked0 Subtitle;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority22 \lsdlocked0 Strong;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority20 \lsdlocked0 Emphasis;\lsdsemihidden0 \lsdunhideused0 \lsdpriority59 \lsdlocked0 Table Grid;\lsdunhideused0 \lsdlocked0 Placeholder Text;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority1 \lsdlocked0 No Spacing;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 1;
\lsdunhideused0 \lsdlocked0 Revision;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority34 \lsdlocked0 List Paragraph;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority29 \lsdlocked0 Quote;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority30 \lsdlocked0 Intense Quote;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority19 \lsdlocked0 Subtle Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority21 \lsdlocked0 Intense Emphasis;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority31 \lsdlocked0 Subtle Reference;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority32 \lsdlocked0 Intense Reference;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority33 \lsdlocked0 Book Title;\lsdpriority37 \lsdlocked0 Bibliography;
\lsdqformat1 \lsdpriority39 \lsdlocked0 TOC Heading;}}{\*\datastore 0105000002000000180000004d73786d6c322e534158584d4c5265616465722e352e3000000000000000000000060000
d0cf11e0a1b11ae1000000000000000000000000000000003e000300feff090006000000000000000000000001000000010000000000000000100000feffffff00000000feffffff0000000000000000ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
fffffffffffffffffdfffffffeffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffffffffffffec69d9888b8b3d4c859eaf6cd158be0f000000000000000000000000304a
0f505435d201feffffff00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000105000000000000}}