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{\title IN THE HIGH COURT OF FIJI (AT SUVA)}{\author Amelia Rasovo}{\operator blake_r}{\creatim\yr2004\mo8\dy30\hr10\min27}{\revtim\yr2004\mo8\dy31\hr10\min59}{\printim\yr2001\mo11\dy8\hr16\min31}{\version3}{\edmins3}{\nofpages4}{\nofwords1557}
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\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 \fs20\lang1033\langfe5129\cgrid\langnp1033\langfenp5129 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 IN THE HIGH COURT OF FIJI}{
\b\fs24\lang2057\langfe5129\langnp2057\insrsid5052050\charrsid5052050 
\par }{\b\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 (AT SUVA)
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 CIVIL APPEAL NO. HBA 15 OF 2001 S
\par (SUVA MAGISTRATES\rquote  COURT CIVIL ACTION NO. 1058 OF 2000)
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Between:
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 FIJI NATIONAL PROVIDENT FUND
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Appellant
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 and
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 JAGDISH PRASAD
\par }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Respondent
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par H. Lateef with I. Razak for the Appellant
\par S. Chandra for the Respondent
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 JUDGMENT
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par In July 2000 the Respondent herein (Prasad) commenced proceedings in the Suva Magistrates\rquote  Court.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
In his Statement of Claim he stated that in June 1999 he and his uncle Vijay Kumar who were both members of the Fiji National Provident Fund (the Fund) went to the Fund\rquote s office.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Vijay Kumar wished to nominate Prasad under the provisions of secti
on 34 of the FNPF Act (Cap. 219-the Act) and upon enquiries being made he was asked to complete a nomination form which Prasad then witnessed.
\par 
\par The following February Vijay Kumar died.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 When Prasad went to the Fund\rquote s Office he was advised that the nominati
on was invalid. 
\par 
\par Regulation 53 of the FNPF Regulations (Cap 219-Subs-the Regulations) provides that:
\par 
\par }\pard \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 \'93
Any person who attests the signature of a nominator to a nomination shall not be entitled to any benefit thereunder.\'94
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par Prasad\rquote s case was quite simple: owing to the negligent advice of the Fund the nomination was invalid.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
Had the nomination been valid then it would have been worth $11,667.59 to him.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
He sought compensation for his loss by an award of damages.
\par 
\par The Fund filed a Statement of Defence.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
It repeated that the nomination was invalid but denied negligence and in particular denied that Prasad was ever advised to witness his uncle\rquote s signature.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 From paragraph 5 of the statement of Defence it appears that the Fund became aware that there wa
s an invalid nomination and attempted to advise Vijay Kumar of this fact but was unsuccessful in doing so to enable rectification to occur before his death.
\par 
\par In paragraph 8 of the Statement of Defence the Fund pleaded that on 10 May 2000 the sum of $11,667.59 was paid into the High Court under the provisions of section 35 of the Act (as amended \endash 
 see Act 29/86) and that therefore the Plaintiff should have applied to the High Court for the release to him of the funds claimed to be standing to his credit.
\par 
\par In paragraph 7 of the Statement of Defence the Fund pleaded that no particulars of negligence had been provided by Prasad.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
On 13 October 2000 when the matter came up before the Resident Magistrate (Jiten Singh Esq. RM) this point was raised by Mr. Razak.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 On 23 October Prasad was ordered to furnish particulars of the negligence upon which he relied.
\par 
\par On 2 November 2000 10 particulars of negligence were filed.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
A copy is at pages 20 & 21 of the record of the proceedings in the Magistrates\rquote  Court.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 The particu
lars are really different ways of making the 3 basic complaints which Prasad laid before the Resident Magistrate on oath when the matter came on for hearing on 29 January 2001.
\par 
\par Prasad\rquote s evidence was that when he and his uncle went to the Fund\rquote s office they explained that they each wanted to make a nomination.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Vijay Kumar wish to nominate Prasad and Prasad wished to nominate his wife.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 The clerk in the office was named Tui Fasala and it was he who suggested that they witness each other\rquote s nominations.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 After the forms were completed and witnessed they were handed in to and accepted by Tui Fasala.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 About one month later Prasad went back to the office where it was confirmed to him that he was indeed his uncle\rquote s nominee.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 About 7 months later his uncle died and he then went back to the office to arrange withdrawal of the funds.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 He completed a withdrawal form which was handed in.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
The following month the Fund advised him that the nomination was invalid because he had witnessed his uncle\rquote s signature and therefore the nomination fell foul of regulation 53.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Later Prasad went to the High Court where he was advised that nothing had been received in his name.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 He then filed his writ.
\par 
\par No other significant evidence was called and it may in particular be noted that nobody was called on behalf of the Fund and that no fund records, not even the nomination forms, were produced.
\par 
\par In his careful Judgment the Resident Magistrate first accepted that the Fund owed a duty of care \'93to ensure that nominations are properly done and if not properly done to promptly inform the member and the nominee\'94.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
He stressed the importance and the special nature of the transaction under consideration and relied on and applied the leading authority }{\fs24\ul\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
Hedley Byrne & Co. Ltd v. Heller and Partners Ltd}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050  [1964] AC 465.
\par 
\par The Resident Magistrate then evaluated Prasad\rquote s evidence noting that it was not contradicted by evidence called on behalf of the Fund.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 He did not overlook the fact that Prasad\rquote s evidence was not always entirely consistent observing fo
r example that Prasad first said that he had read the nomination form but then claimed to have overlooked the warning contained on the form against nominees witnessing nominations.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 But he found that Prasad had established on the balance of probabilities that he did indeed sign the nomination form at the suggestion of the Fund\rquote s counter clerk.
\par 
\par In these circumstances the Resident Magistrate concluded that as a result of the Fund\rquote s want of care Prasad had been led into error and had lost the entitlement which he would have had, had the nomination been val}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050 id}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 .}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
He awarded Prasad $11,667.59 plus costs.
\par 
\par The Appellant\rquote s grounds of appeal are set out on pages 3, 4 & 5 of the record.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 T
hey were amplified by a most comprehensive written submission filed by Mr. Razak.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
Mr. Chandra filed a very helpful written submission in answer.
\par 
\par Mr. Razak took the first 3 grounds together.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 He highlighted each of the weaknesses in Prasad\rquote s evidence and 
suggested that the Resident Magistrate erred in concluding that Prasad had made out his case on the balance of probabilities.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
This is always a difficult ground of appeal to argue successfully since it is well settled that in the absence of misdirection an appeal Court will seldom reverse findings of fact reached at first instance (see e.g. }{
\fs24\ul\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Benmax v. Austin Motor Corp}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050  [1955] 1 All ER 326).}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Mr. Razak pointed out that the evidence of Prasad was not corroborated but as a general rule there is no requirement for corroboration.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 In the present case there was no evidence to contradict the Plaintiff.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 These grounds fail.
\par 
\par In ground 4 it was argued that the Resident Magistrate was wrong to hold that the Fund had a duty to advise Prasad that the nomination was invalid.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 In ground 5 it was argued that the Fund owed no duty of care to Prasad.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 While I agree that the Fund\rquote s primary duty}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
is to its members the circumstances of this case are such that had the Fund advised Vijay Kumar that his nomination was invalid either when it was accepted or promptly when the error was discovered the effect would have been to prevent Prasad\rquote 
s loss occurring.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 It will also be remembered that Prasad was also a member of}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 the Fund and wished, at the same time as becoming his uncle\rquote s nominee, to nominate his wife.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
In this era of growing awareness of the benefits of consumer protection my view is that it is quite unrealistic to suggest that a large well endowed specialist organisation has no duty of care to persons with whom it deals but who are not it members.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Despite the several authorities referred to by Mr. Razak I am satisfied that }{
\fs24\ul\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Hedley Byrne}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050  was properly applied.
\par 
\par The 6}{\fs24\lang2057\langfe5129\super\langnp2057\insrsid11234159\charrsid5052050 th}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
 ground was to the effect that the Resident Magistrate should have stopped Prasad proceeding in the Magistrates Court when it was drawn to his attention that the moneys standing to his uncle\rquote s credit had been paid into the High Court.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Within jurisdictional limits a litigant is free to commence proceedings wherever convenient.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 I find no merit in this ground.
\par 
\par The 7}{\fs24\lang2057\langfe5129\super\langnp2057\insrsid11234159\charrsid5052050 th}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050  & 8}{\fs24\lang2057\langfe5129\super\langnp2057\insrsid11234159\charrsid5052050 th}{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050  grounds raised a number of technical objections to the pleadings and pointed to the fact that no evidence was placed before the court that $11,667.59 was lost by Prasad.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 It was also suggested that a nominated person is, by virtue of regulation 51 of the Regulations not entitled }{
\i\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 as of right}{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050  to the amount standing to the late member\rquote s credit.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
Taking the evidence as a whole and the concession contained in paragraph 8 of the Defence, bearing in mind that Prasad was a litigant in person and that Magistrates\rquote 
 Courts are essentially summary in their nature I do not find that there was any error in the Resident Magistrate\rquote s approach.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 In reply to my question Mr. Razak was unable to advance any reason at all why the Fund should have invoked regulation 51.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 These grounds fail.
\par 
\par The final ground of appeal argued by Mr. Razak}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 was that the Resident Magistrate had no jurisdiction to entertain Prasad\rquote 
s action since it was concerned with the validity of an inheritance and was therefore excluded by section 2 (1) (i) (ii) of the Magistrates\rquote  Courts (Civil Jurisdiction) Decree 47/88. 
\par 
\par In view of certain obiter remarks recently made by an acting judge of this court it may be worth pointing out that this Decree in common with many other Decrees is a perfectly valid piece of legislation.}{
\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
This is because of the operation of sections 194 (1) and 195 (1) (e) of the 1997 Constitution which define Decrees to be Acts, define written laws to include Acts and continue in force written laws passed before the commencement date of the Constitution.}
{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 The statement \'93no Decree can amend an Act of Parliament\'94 is simply incorrect.
\par 
\par Under section 43 (2) of the Act moneys paid out by the Fund on the death of a member are not part of the deceased\rquote s estate.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 I am therefore satisfied that the Resident Magistrate}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
had jurisdiction to entertain this action which, it should not be forgotten, was in negligence.
\par 
\par With admirable diligence Mr. Razak advanced every possible argument in support of this appeal but I am satisfied that the Resident Magistrate reached the right conclusion.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 Accordingly the appeal fails and is dismissed.
\par 
\par There was a cross-appeal by Prasad the first limb of which was a claim that the Resident Magistrate should have awarded interest on the sum given to Prasad.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 The Statement of Claim did not seek interest}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
and accordingly the Resident Magistrate was right not to award it.
\par 
\par The second claim advanced by the Respondent was for an award of damages over and above the $11,667.59 awarded.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
Since Prasad gave no evidence of separate loss apart from funeral expenses which would reasonably be expected to come out of the nominated funds I find no merit in this argument.}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{
\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 The cross-appeal}{\fs24\lang2057\langfe5129\langnp2057\insrsid5052050  }{\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 also fails and is dismissed.
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\b\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 M.D. Scott
\par Judge
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5052050 {\fs24\lang2057\langfe5129\langnp2057\insrsid11234159\charrsid5052050 
\par 12 November 2001
\par }}