{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\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;}{\f39\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f40\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f42\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f43\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f44\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f45\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f46\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f47\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f49\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f50\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f52\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f53\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f54\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f55\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f56\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f57\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f379\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f380\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f382\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f383\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f386\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f387\fbidi \froman\fcharset163\fprq2 Cambria Math (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;}{\*\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\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext0 \sqformat \spriority0 Normal;}{\*\cs10 \additive Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\trcbpat1\trcfpat1\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\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 
\snext11 \ssemihidden \sunhideused \sqformat Normal Table;}}{\*\listtable{\list\listtemplateid560501560\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace288\levelindent0{\leveltext\'01E;}{\levelnumbers;}
\f1\fs21\expnd2\expndtw14\cgrid\hres0\chhres0 \li576\jclisttab\tx864\lin576 }{\listname ;}\listid5157641}{\list\listtemplateid646283085\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace432\levelindent0
{\leveltext\'01B;}{\levelnumbers;}\f1\fs21\expnd3\expndtw19\cgrid\hres0\chhres0 \fi-432\li432\jclisttab\tx432\lin432 }{\listname ;}\listid11845354}{\list\listtemplateid677856416\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace432\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\cgrid\hres0\chhres0 \fi-432\li1944\jclisttab\tx1944\lin1944 }{\listname ;}\listid59272625}{\list\listtemplateid1498907741
\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace504\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\cgrid\hres0\chhres0 \fi-504\li2448
\jclisttab\tx2448\lin2448 }{\listname ;}\listid63990594}{\list\listtemplateid765589224\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace576\levelindent0{\leveltext\'01D;}{\levelnumbers;}
\f1\fs21\expnd2\expndtw11\cgrid\hres0\chhres0 \fi-288\li864\jclisttab\tx1152\lin864 }{\listname ;}\listid83535728}{\list\listtemplateid1866558278\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace576
\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \fs21\expnd3\expndtw17\cgrid\hres0\chhres0 \fi-576\li1728\jclisttab\tx1728\lin1728 }{\listname ;}\listid90869439}{\list\listtemplateid306731776\listsimple
{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace504\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd5\expndtw29\cgrid\hres0\chhres0 \fi-504\li1296
\jclisttab\tx1296\lin1296 }{\listname ;}\listid107250925}{\list\listtemplateid293838011\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace504\levelindent0{\leveltext\'01\'b7;}{\levelnumbers;}
\f3\fs21\expnd3\expndtw15\cgrid\hres0\chhres0 \li576\jclisttab\tx1080\lin576 }{\listname ;}\listid109186518}{\list\listtemplateid780139142\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace504\levelindent0
{\leveltext\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd1\expndtw7\cgrid\hres0\chhres0 \fi-504\li1296\jclisttab\tx1296\lin1296 }{\listname ;}\listid116649014}}{\*\listoverridetable{\listoverride\listid83535728
\listoverridecount0\ls1}{\listoverride\listid5157641\listoverridecount0\ls2}{\listoverride\listid109186518\listoverridecount0\ls3}{\listoverride\listid90869439\listoverridecount0\ls4}{\listoverride\listid116649014\listoverridecount0\ls5}
{\listoverride\listid107250925\listoverridecount0\ls6}{\listoverride\listid63990594\listoverridecount0\ls7}{\listoverride\listid59272625\listoverridecount0\ls8}{\listoverride\listid11845354\listoverridecount0\ls9}{\listoverride\listid83535728
\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace576\levelindent0{\leveltext\'01D;}{\levelnumbers;}\f1\fs21\expnd2\expndtw12\cgrid \fi-360\li720
\jclisttab\tx936\lin720 }}\ls10}{\listoverride\listid5157641\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01E;}{\levelnumbers;}
\f1\fs21\expnd2\expndtw13\cgrid \fi-360\li720\jclisttab\tx720\lin720 }}\ls11}{\listoverride\listid109186518\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace576
\levelindent0{\leveltext\'01\'b7;}{\levelnumbers;}\f3\fs21\expnd2\expndtw13\cgrid \fi-360\li720\jclisttab\tx936\lin720 }}\ls12}{\listoverride\listid109186518\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc23\levelnfcn23\leveljc0
\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01\'b7;}{\levelnumbers;}\f3\fs21\expnd3\expndtw15\cgrid \fi-360\li720\jclisttab\tx720\lin720 }}\ls13}}{\*\rsidtbl \rsid220436\rsid812461\rsid1049872\rsid1204384\rsid1211289
\rsid1269436\rsid2433648\rsid2889289\rsid3307626\rsid3608513\rsid4347308\rsid4391521\rsid5258523\rsid5268991\rsid5461960\rsid5720426\rsid7502094\rsid7803415\rsid8278600\rsid8534661\rsid9123065\rsid9262501\rsid9325416\rsid9569916\rsid9699590\rsid9844270
\rsid10253077\rsid10517175\rsid10562186\rsid10566253\rsid11218730\rsid11888561\rsid12268594\rsid13396358\rsid13911319\rsid14249213\rsid14756349\rsid15729140\rsid16399715\rsid16526077}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1
\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\operator senikuraciri_r}{\creatim\yr2014\mo12\dy19\hr16\min14}{\revtim\yr2015\mo4\dy19\hr13\min43}{\version44}{\edmins312}{\nofpages7}{\nofwords3393}{\nofchars15788}{\nofcharsws19143}
{\vern32859}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw11907\paperh16839\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\dghspace100\dgvspace120\dghorigin1440\dgvorigin1440\dghshow0\dgvshow3
\jexpand\viewkind4\viewscale140\pgbrdrhead\pgbrdrfoot\ftnlytwnine\nolnhtadjtbl\useltbaln\alntblind\lytcalctblwd\lyttblrtgr\lnbrkrule\nobrkwrptbl\snaptogridincell\allowfieldendsel\ApplyBrkRules\asianbrkrule\rsidroot10253077\newtblstyruls\nogrowautofit 
\fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0\ltrpar \sectd \ltrsect\psz9\linex0\sectlinegrid272\sectdefaultcl\sectrsid14756349\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\qr \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 \hich\af0\dbch\af31505\loch\f0 [1962] 8 FLR }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 63
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\qc \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid4391521\charrsid14756349 \hich\af0\dbch\af31505\loch\f0 IN THE SUPREME COURT OF FIJI
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Appellate Jurisdiction
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid4391521\charrsid14756349 \hich\af0\dbch\af31505\loch\f0 RAM PRASAD
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid9699590 \hich\af0\dbch\af31505\loch\f0 V
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid4391521\charrsid14756349 \hich\af0\dbch\af31505\loch\f0 REGINAM
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 \hich\af0\dbch\af31505\loch\f0 Hammett Ag. C.J.
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 12th January, 16}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 \hich\af0\dbch\af31505\loch\f0 th, 23rd March, 6th, 13th April 1962
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Road traffic\hich\f0 \emdash \loch\f0 third party insurance\hich\f0 \emdash \loch\f0 using vehicle for purpose prohibited by policy\hich\f0 \emdash 
\loch\f0 policy rendered voidable and not void\hich\f0 \emdash \loch\f0 policy in force at material time\hich\f0 \emdash \loch\f0 Motor Vehicle (Insurance) Ordinance (Cap. 236) s.4(1)(2)\hich\f0 \emdash \loch\f0 
Motor Vehicles (Third Party Insurance) Ordina\hich\af0\dbch\af31505\loch\f0 n\hich\af0\dbch\af31505\loch\f0 ce (Cap. 236) ss.9,10\hich\f0 \emdash \loch\f0 Road Traffic Act 1930 (20 & 21 Geo. 5, c.43) (Imperial) s.38.
\par \hich\af0\dbch\af31505\loch\f0 Criminal law\hich\f0 \emdash \loch\f0 traffic offences\hich\f0 \emdash \loch\f0 using motor vehicle without third party insurance \hich\f0 \emdash \loch\f0 policy in existence\hich\f0 \emdash \loch\f0 
use of vehicle in breach of condition of policy\hich\f0 \emdash \loch\f0 policy rendered voidabl\hich\af0\dbch\af31505\loch\f0 e\hich\f0 \emdash \loch\f0 in force at material time\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid15729140 \hich\af0\dbch\af31505\loch\f0 Motor Vehicle (Insurance) Ordin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 ance (Cap. 236) s.4(}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid15729140 \hich\af0\dbch\af31505\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 ) (2)\hich\f0 \emdash \loch\f0 
Motor Vehicles (Third Party Insurance) Ordinance (Cap. 236) ss.9,10\hich\f0 \emdash \loch\f0 Road Traffic Act 1930 (20 & 21 Geo. 5, c.43) (Imperial) s.38.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par \hich\af0\dbch\af31505\loch\f0 The appellant was convicted of using a \hich\af0\dbch\af31505\loch\f0 
motor vehicle when there was not in force in relation to the use of the said vehicle a policy of insurance in respect of third party risks. The vehicle was at the material time being used for the purpose of carrying passengers for hire or reward. At the m
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 terial time the appellant held a third party policy of insurance in respect of the vehicle, upon which was endorsed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid1269436 
\hich\af0\dbch\af31505\loch\f0 inter alia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  Condition 1 (C) providing that the person insured, "shall not}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 use the motor-vehicle . . . to carry passengers for hire or reward".}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid3307626 \hich\af0\dbch\af31505\loch\f0 Held}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0  \loch\af0\dbch\af31505\hich\f0 \endash 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
That upon the breach of Condition 1(C) the policy became voidable at the option of the insurance company concerned, and not void. The insurers had not at the material time avoided the policy, which was therefore still in force.
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Ram Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0  (1\hich\af0\dbch\af31505\loch\f0 958) 6 F\hich\af0\dbch\af31505\loch\f0 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  134, followed: }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Attorney-General }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  Bhaskara Nand}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0  (1960) 7 F\hich\af0\dbch\af31505\loch\f0 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0  51, distinguished.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par \hich\af0\dbch\af31505\loch\f0 Appeal from a conviction by the Magistrate's Court.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid3307626 \hich\af0\dbch\af31505\loch\f0 A. E. Kearsley \hich\af0\dbch\af31505\loch\f0 (Mrs.) for the appellant.
\par 
\par \hich\af0\dbch\af31505\loch\f0 K. C. Gajadhar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  for the respondent.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par \hich\af0\dbch\af31505\loch\f0 The facts sufficiently appear from the judgment of the Ag. Chief}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Justice.
\par 
\par \hich\af0\dbch\af31505\loch\f0 HAMMETT Ag. C.J.: [16th March, 1962]\hich\f0 \emdash 
\par 
\par \hich\af0\dbch\af31505\loch\f0 The appellant was charged in the Magistrate's Court sitting at Ba on three counts, the first two of which were as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }\pard \ltrpar\qc \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 FIRST COUNT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Statem\hich\af0\dbch\af31505\loch\f0 ent of Offence (a)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626\charrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 USING A PRIVATE CAR AS A TAXI: Contrary to Sections 10
\hich\af0\dbch\af31505\loch\f0 (1)\hich\af0\dbch\af31505\loch\f0 (2) and 65 of Traffic Ordinance, Cap. 235.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }\pard \ltrpar\qc \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Particulars of Offence (b)}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626\charrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
RAM PRASAD s/o KHADERU on the 2nd day of September, 1961, at Varoka, Ba, in the Western Division, did use m\hich\af0\dbch\af31505\loch\f0 
otor vehicle No. 4338 for the carriage of passengers for reward, this being contrary to the terms and conditions of the private vehicles licence, issued in respect of the said vehicle.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }\pard \ltrpar\qc \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 SECOND COUNT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Statement of Offence (a)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626\charrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 USING MOTOR VEHICLE WHEN NOT IN 
\hich\af0\dbch\af31505\loch\f0 FORCE IN RELATION TO THE USE OF THE SAID VEHICLE A POLICY OF INSURANCE IN RESPECT OF THIRD PARTY RISKS: Contrary to Section 4(1)\hich\af0\dbch\af31505\loch\f0 (2) of Motor Vehicle (Insurance) Ordinance, Cap. 236.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }\pard \ltrpar\qc \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Particulars of Offence (b)}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626\charrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 RAM PRASAD s/o KHADERA on the 2nd day of Sept
\hich\af0\dbch\af31505\loch\f0 
ember, 1961, at Varoka, Ba, in the Western Division, did use motor vehicle No. 4338, when there was not in force in relation to the use of said vehicle by the aforesaid RAM PRASAD s/o KHADERU, such a policy of insurance in respect of third party risks.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par \hich\af0\dbch\af31505\loch\f0 Th\hich\af0\dbch\af31505\loch\f0 
e appellant was convicted on both the first and second counts. He does not appeal against the conviction on the first count but he appeals against conviction on the second count on the following ground:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
"That there was no or insufficient evidence that the\hich\af0\dbch\af31505\loch\f0  relevant policy of insurance was not in force at the material time."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par \hich\af0\dbch\af31505\loch\f0 The question of whether there was a policy o\hich\af0\dbch\af31505\loch\f0 
f third party insurance in force in relation to the use to which the vehicle was being put at the material time was one peculiarly within the knowledge of the appellant. The prosecution having called evidence to show that the appellant was using the vehic
\hich\af0\dbch\af31505\loch\f0 l\hich\af0\dbch\af31505\loch\f0 
e in question for the carriage of passengers for hire or reward contrary to the terms of its licence, the onus of proof was upon the appellant, if he did not call evidence to the contrary effect, to show that there was a policy of third party insurance in
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 force at the material time in relation to such use}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 r.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
 In an attempt to discharge this onus of proof the appellant produced a policy of insurance, Exhibit A, which he contended did cover such use of the vehicle. The learned trial Magistrate held that this po\hich\af0\dbch\af31505\loch\f0 
licy of insurance was not in force at the material time. It would appear therefore that the sole ground of appeal in this case would have been framed more appropriately if it had been worded to the following effect:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 "That there was sufficient evidence tha
\hich\af0\dbch\af31505\loch\f0 t the relevant policy of insurance was in force at the material time."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 
\par 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
The appeal was argued on behalf of the appellant as if the grounds of appeal had been so worded.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10562186\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 The facts are not in dispute and are as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 On the 2nd September, 1961, the appe\hich\af0\dbch\af31505\loch\f0 
llant used motor vehicle No. 4338 for the purpose of carrying passengers for hire or reward. The vehicle itself was registered and licensed as a light goods vehicle and its use for the carriage of passenger for reward was contrary to the terms of that lic
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0 nce. At the material time the appellant held a third party policy of insurance in respect of this vehicle, clause 5 of which reads:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 "5. LIMITATION AS TO USE.\hich\f0 \emdash \loch\f0 
Premium has been paid only for the use of the motor vehicle for the purposes set out in item No. \hich\af0\dbch\af31505\loch\f0 3\hich\af0\dbch\af31505\loch\f0 
(a) of the schedule on the back hereof. The motor vehicle must not be used for any other purpose unless the policy is endorsed and extra premium (if any) paid."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Item 3 of the schedule referred to in clause 5 reads:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid13396358 \hich\af0\dbch\af31505\loch\f0 "3. GOODS VEHICLE. \hich\f0 \emdash \loch\f0 
 A motor vehicle \hich\af0\dbch\af31505\loch\f0 which is constructed or adapted or primarily used for the conveyance of goods or merchandise of any description}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid13396358 
\hich\af0\dbch\af31505\loch\f0  in connection with trade, busi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid13396358 \hich\af0\dbch\af31505\loch\f0 
ness or agriculture. For the purposes of this definition the performance by Government or a local authority of any\hich\af0\dbch\af31505\loch\f0  of its functions shall be deemed to be the carrying on of a business:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 (a) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
Light goods carrying vehicles with a carrying capacity of up to 2 tons.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8534661 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 (b) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
Heavy goods carrying vehicles with a carrying capacity of 2 tons and ove}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 r.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 It will be seen that claus\hich\af0\dbch\af31505\loch\f0 e 5 limits the use of the vehicle to the purposes set out in item 3
\hich\af0\dbch\af31505\loch\f0 (a). Item 3\hich\af0\dbch\af31505\loch\f0 (a) however does not attempt to lay down any purposes for which the vehicle may be used but merely defines what is a light goods vehicle. There is nothing in clause 5 or item 3
\hich\af0\dbch\af31505\loch\f0 (a) which precludes the use of the vehicle for carrying passengers whether for reward or not. Indeed from the wording of item 3 in the schedule and the reference to the "primary" use of a goods vehicle, it would appe}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1211289 \hich\af0\dbch\af31505\loch\f0 ar that some unspecified second}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 ary use 
\hich\af0\dbch\af31505\loch\f0 is also contemplated. This secondary use might well include the carriage of passengers whether for hire or reward or otherwise.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 I am in considerable doubt of what is the effect of clause 5, as it is at present worded, and I am doubtful whether it has any r
\hich\af0\dbch\af31505\loch\f0 eal effect at all in limiting the use of this vehicle.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 In opposing this appeal learned counsel for the Crown said he relied on the decision of the Supreme Court in the case of the }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid4391521\charrsid10566253 \hich\af0\dbch\af31505\loch\f0 Attorney-General }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4391521\charrsid10566253 \hich\af0\dbch\af31505\loch\f0  Bhaskara Nand}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 , (1960) 7 F\hich\af0\dbch\af31505\loch\f0 L}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  51, which he said was on\hich\af0\dbch\af31505\loch\f0 
 all fours with the present case. Learned counsel for the appellant, h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16526077 \hich\af0\dbch\af31505\loch\f0 owever, submitted that Bhaskara }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Nand's case was wrongly decided and that I should not follow it but should follow, what he intimated was, the contrary decision in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4391521\charrsid10566253 \hich\af0\dbch\af31505\loch\f0 Ram Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid10566253 
\hich\af0\dbch\af31505\loch\f0  Reginam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 , (\hich\af0\dbch\af31505\loch\f0 1958) 6 F\hich\af0\dbch\af31505\loch\f0 L}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
 134. I have examined and considered carefully both these decisions and have come to the conclusion that neither of them are on all fours with the present case.
\par 
\par \hich\af0\dbch\af31505\loch\f0 In Bhaskara Nand's case the printed words of the third party policy were in virt\hich\af0\dbch\af31505\loch\f0 
ually identical terms to those in the third party policy in this case. The real distinction between this case and Bhaskara Nand's case is that in Bhaskara Nand's case the "limitation as to use" clause referred to item 1 of the schedule instead of to item 
\hich\af0\dbch\af31505\loch\f0 3\hich\af0\dbch\af31505\loch\f0 (a) as in this present case. Item 1 of the schedule in Bhaskara Nand's case read:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 "1. PRIVATE CA}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  \hich\f0 \emdash \loch\f0  A motor car which is used solely}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 (a) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 For social, domestic or pleasure purposes,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 (b) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
By the owner, being an individual, for his own carriage in relat\hich\af0\dbch\af31505\loch\f0 ion to his profession, business or calling, provided that profession, business or calling is not that of a commercial traveller or travelling sale}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 sman, or an insurance agent, in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
spector or assessor, or an indent or manufacturer's agent."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 It is clear that t\hich\af0\dbch\af31505\loch\f0 he purposes for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 
\hich\af0\dbch\af31505\loch\f0  which the vehicle in Bhaskara}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
 Nand's case could be used were for social, domestic, pleasure and, to a limited degree, business purposes and that the use of the vehicle for carrying passengers for hire or reward was clearly outside the uses \hich\af0\dbch\af31505\loch\f0 
that were intended to be covered by the insurance policy. It was held in that case}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0  that the policy of third party }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 insurance, was not in force in relation to the use of the said motor vehicle when it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 was being used for the carr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 iage of passengers for reward.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
The facts in this case are, as I have already explained, different, and, in my opinion, the decision in Bhaskara Nand's case is not on all fours with the present case.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 In Ram Dayal's case the decision did not tur}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0 
n upon the construc}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 tion of the "limitatio\hich\af0\dbch\af31505\loch\f0 n as to use" cla}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 
\hich\af0\dbch\af31505\loch\f0 use or the wording of the item}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
 in the schedule to the policy referred to therein at all. That decision solely concerned the result that followed the breach by the insured of a condition in his policy that he would not use or permit the use \hich\af0\dbch\af31505\loch\f0 
of the vehicle whilst the driver did not hold a licence to drive a vehicle of the class described therein. The facts in this case are not,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 therefore, the same}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253 \hich\af0\dbch\af31505\loch\f0  as those in Ram Dayal's case.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10566253\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 In the present case the body of the appellant's policy contains pr\hich\af0\dbch\af31505\loch\f0 
inted matter amongst which the following words appear:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
"The insurer agrees subject to the . . . conditions contained herein . . . to insure the persons . . . insured under this policy . . . against all liability etc . . ."
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par \hich\af0\dbch\af31505\loch\f0 Endorsed on the back of the pol\hich\af0\dbch\af31505\loch\f0 icy are printed words under the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 heading "Conditions" of which the material part reads as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
"1. The person insured shall not use the motor vehicle nor shall the owner cause permit or suffer any person to use such motor vehicle \hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14249213 
\par 
\par }\pard \ltrpar\ql \li1440\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin1440\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14249213 \hich\af0\dbch\af31505\loch\f0 (a) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 whilst such mo\hich\af0\dbch\af31505\loch\f0 tor vehi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14249213 \hich\af0\dbch\af31505\loch\f0 cle is in an unsafe condition,
\par 
\par \hich\af0\dbch\af31505\loch\f0 (b) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 to convey any load in exce}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 
ss of that for which it was con}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 structed,
\par 
\par \hich\af0\dbch\af31505\loch\f0 (c) to carry passengers for hire or reward or in pursuance of a contract of employment in contravention of the licence issued for the vehicle de\hich\af0\dbch\af31505\loch\f0 scribed herein,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 (d) whilst any such person as aforesaid}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li2160\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin2160\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 (i) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 does not hold a licence to drive a vehicle of the class described herein,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 (ii) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 is under the influence of intoxicating liquor, or}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 (iii) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 is as a result of age}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid14249213 \hich\af0\dbch\af31505\loch\f0  or some physical or mental con}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 dition\hich\af0\dbch\af31505\loch\f0  rendered}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 incapable of driving such vehicle with safety."}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
Section 10 of the Motor Vehicles (Third Party Insurance) Ordinance, Cap. 236, provides that so much of the policy as purports to restrict the insurance of the person insured thereby in respect of c\hich\af0\dbch\af31505\loch\f0 
ertain matters, are, in respect of such liabilities as are required to be covered by the Ordinance, of no effect. Amongst these are the following:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 (a) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 the age or physical or mental condition of persons driving the motor vehicle,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 (b) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 the condition of the m\hich\af0\dbch\af31505\loch\f0 
otor vehicle,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 (c) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
the weight or physical characteristics of the goods that the motor vehicle carried.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 In these circumstances it would appear that the conditions endorsed on the Policy No. 1(a), 1(b), 1(d)\hich\af0\dbch\af31505\loch\f0 (ii) and 1
\hich\af0\dbch\af31505\loch\f0 (d)\hich\af0\dbch\af31505\loch\f0 (iii) are, to the extent indicated \hich\af0\dbch\af31505\loch\f0 by section 10 of the Ordinance, of no effect. This only leaves in full effect conditions 1\hich\af0\dbch\af31505\loch\f0 
(c) and 1(d)\hich\af0\dbch\af31505\loch\f0 (i)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 In Ram Dayal's case it was decided that the breach of condition 1\hich\af0\dbch\af31505\loch\f0 (d)\hich\af0\dbch\af31505\loch\f0 
(i) resulted in the policy becoming voidable on the option of the insurance \hich\af0\dbch\af31505\loch\f0 company but did not entirely vitiate the policy which}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 continued to be in force at the material time. It is to be observed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
that this particular condition does not concern the purpose for which the vehicle was being used but the holding of a valid licence to\hich\af0\dbch\af31505\loch\f0  drive, by the person using the vehicle at the material time.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
It was submitted by counsel for the appellant that in similar fashion the breach of condition 1(c), which forbade the use of the vehicle for the carrying of passengers for hire or reward }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 
\hich\af0\dbch\af31505\loch\f0 in con\hich\af0\dbch\af31505\loch\f0 tra}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
vention of the licence issued for the vehicle, merely rendered the policy voidable at the option of the insurers and did not vitiate it entirely, so that it was in fact in force at the material time.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 I do not feel called upon to express any opinion on \hich\af0\dbch\af31505\loch\f0 
this particular issue in this case for seasons which will become apparent. I will only observe that it appears to me t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 hat the breach of any one parti}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 cular condition in a policy of insurance does not necessarily lead to precisely the same result as the brea\hich\af0\dbch\af31505\loch\f0 
ch of another condition in the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
It was not mentioned in argument before me in this appeal, that the reason for the decision in Ram Dayal's case was, in part at least, due to the construction given to section 9 of the Motor Vehicles (Third Party Ins\hich\af0\dbch\af31505\loch\f0 
urance) Ordinance, Cap. 236, as it was then, and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
the differences in its punctuation }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0 from that in the otherwise iden}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0 tically worded section 38 of the English Road Traffic Act 1930. After the decision in Ram Dayal's case section 9 was amended so as to make it\hich\af0\dbch\af31505\loch\f0 
s punctuation agree with that in section 38 of the English Act. This was not, however, the sole ground for the decision in Ram Dayal's case and I do not, therefore, consider it necessary to deal with that aspect of the matter in greater detail.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 The positi\hich\af0\dbch\af31505\loch\f0 
on in this case is that the appellant having been proved to be using a motor vehicle for the carriage of passengers for hire or reward contrary to the terms of its licence, has been charged with using the vehicle when there was not in force in relation to
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
this particular use of the vehicle a policy of insurance in respect of third party risks. In answer to that charge he has produced the third party policy in this case to which I have already made reference. He has done so to show that he did hold a third 
\hich\af0\dbch\af31505\loch\f0 p\hich\af0\dbch\af31505\loch\f0 
arty policy of insurance insuring him against the liabilities against which he is required to be insured under the provisions of the Motor Vehicles (Third Party Insurance) Ordinance, Cap. 236. He did therefore attempt to show that this policy of insurance
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
covered against liabilities in respect of third parties, which he was, by the provisions of the Motor Vehicles (Third Party Insurance) Ordinance, required to cover whilst the vehicle was being used for the carriage of passengers for hire or reward. On thi
\hich\af0\dbch\af31505\loch\f0 s\hich\af0\dbch\af31505\loch\f0 
 appeal he has contended that if the policy did not expressly cover such liabilities, the policy was nevertheless still in force whilst the vehicle was being so used and was at the most merely voidable at the option of the insurers for a possible breach o
\hich\af0\dbch\af31505\loch\f0 f\hich\af0\dbch\af31505\loch\f0  one of the conditions of the policy.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
I have examined the terms of his policy with this in mind and I find that at the foot of the front page of this policy is a list of exclusions of which exclusion 3 reads:
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 "3. This Policy does not cover any liability 
\hich\af0\dbch\af31505\loch\f0 in respect of any occurrence which happens when the motor vehicle is being used for any purpose other than that stated by the owner in the proposal for this insurance."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2889289 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1204384\charrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
It appears to me to be clear that the appellant cannot show that the policy which he has produced is one that complies with the provisions of the Motor Vehicles (Third Party Insurance) Ordinance, Cap. 236, and was in force at the material time, unless he 
\hich\af0\dbch\af31505\loch\f0 c\hich\af0\dbch\af31505\loch\f0 
an show that it covered liability in respect of any occurrence happening when the motor vehicle was being used for the carriage of passengers for hire. Again he cannot show this unless he can show that that was the purpose or one of the purposes which was
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
stated by the owner in the proposal for this insurance for which the vehicle was to be used. The proposal for this policy of insurance was not, however, produced by the appellant in the court below as evidence in this case.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid2889289 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9123065\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 After giving the matter careful\hich\af0\dbch\af31505\loch\f0 
 thought I am of the opinion that opportunity should be given for this evidence to be brought before the Court, in case the appellant is able to discharge the onus of proof which rested on him and only failed to do so because it was believed that one of t
\hich\af0\dbch\af31505\loch\f0 h\hich\af0\dbch\af31505\loch\f0 e two previous decisions I have referred to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
covered the facts in this case. Before deciding, under the provisions of section 326 of the Criminal Procedure Code, whether, to take this evidence myself or to direct that it be taken by a Magistrate's \hich\af0\dbch\af31505\loch\f0 Court, 
\hich\af0\dbch\af31505\loch\f0 I will give counsel further opportunity of being heard.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 HAMMETT Ag. C.J.: [13th April, 1962]\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
Further to the ruling I gave on this matter on 16th March, 1962, additional evidence has now satisfied me that in the appellant's proposal for the policy of ins\hich\af0\dbch\af31505\loch\f0 
urance he replied to the fourth question on the printed form he completed as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
"Q: Will the Motor Vehicle be used for the conveyance of passengers for hire fare or reward?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 A: Hire and Fare."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 In these circumstances, the Crown concedes that the use \hich\af0\dbch\af31505\loch\f0 
of the vehicle for the conveyance of passengers for hire or reward was not a use that was expressly excluded from the cover given by the policy under Item 3 of the "Exclusions" in the policy which reads:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 "3. This Policy does not cover any liability in res
\hich\af0\dbch\af31505\loch\f0 pect of any occurrence which happens when the motor vehicle is being used for any purpose other than that stated by the owner in the proposal for this insurance."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 

\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid3307626 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 The only matter for consideration, therefore, is what was the effect of the breach by the ap\hich\af0\dbch\af31505\loch\f0 pellant of Condition No. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid812461 \hich\af0\dbch\af31505\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 (c) in the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 Learned Counsel for the Crown has conceded that the decision of this Court in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4391521\charrsid812461 \hich\af0\dbch\af31505\loch\f0 Ram Dayal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid3307626 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid812461 
\hich\af0\dbch\af31505\loch\f0  Reginam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  (1958) 6 F\hich\af0\dbch\af31505\loch\f0 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626 
\hich\af0\dbch\af31505\loch\f0 R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  134 held that on the breach of another condition in a similar policy, the policy was not rende
\hich\af0\dbch\af31505\loch\f0 red void but voidable. In such circumstances, applying the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid812461 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0 same principle, he does not now feel able to support the conviction in this case on the ground that until the appellant's insurers had in fact taken advantage of this appellant's breach of this con
\hich\af0\dbch\af31505\loch\f0 dition of his policy and avoided it, it was still in force and he had not, therefore, been }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 guilty}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0  of using the vehicle when there was not in force a third party policy of insurance in respect of third party risks as charged in the second count.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2889289\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 There appe\hich\af0\dbch\af31505\loch\f0 ars to be a dearth of authority upon this particular point}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2889289 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
which is not, in my view, an easy point to decide. Further, the Court in all these cases is in the difficult position of not having before it the Insurance Company concerned on whose behalf Counsel\hich\af0\dbch\af31505\loch\f0 
 could perhaps present cogent arguments that the policy was not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3307626\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 merely}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\hich\af0\dbch\af31505\loch\f0  voidable on the breach of this particular condition, but void.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10517175\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 
After giving the matter careful consideration, since the Crown does not now seek to uphold the conviction, I shall follow the principle laid down in Ram Dayal's case and hold that upon this breach of this condition in the policy, the policy became voidabl
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0  at the option of the Insurance Company and not void. I do therefore allow the appeal, quash the conviction and set aside the sentence and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10517175 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 \hich\af0\dbch\af31505\loch\f0 the order for disqualification passed by the Court below.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10517175\charrsid4391521 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4391521\charrsid10517175 \hich\af0\dbch\af31505\loch\f0 Appeal allowed.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4391521\charrsid4391521 
\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 \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 010500000200000018000000
4d73786d6c322e534158584d4c5265616465722e352e3000000000000000000000060000
d0cf11e0a1b11ae1000000000000000000000000000000003e000300feff090006000000000000000000000001000000010000000000000000100000feffffff00000000feffffff0000000000000000ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
fffffffffffffffffdfffffffeffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffffffffffffec69d9888b8b3d4c859eaf6cd158be0f00000000000000000000000050d6
7f904a7ad001feffffff00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000105000000000000}}