{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang2057\deflangfe2057\themelang5129\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial{\*\falt Helvetica};}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria Math;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\f39\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\f40\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\f42\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\f43\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\f44\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\f45\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\f46\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\f47\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\f49\fbidi \fswiss\fcharset238\fprq2 Arial CE{\*\falt Helvetica};}
{\f50\fbidi \fswiss\fcharset204\fprq2 Arial Cyr{\*\falt Helvetica};}{\f52\fbidi \fswiss\fcharset161\fprq2 Arial Greek{\*\falt Helvetica};}{\f53\fbidi \fswiss\fcharset162\fprq2 Arial Tur{\*\falt Helvetica};}
{\f54\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew){\*\falt Helvetica};}{\f55\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic){\*\falt Helvetica};}{\f56\fbidi \fswiss\fcharset186\fprq2 Arial Baltic{\*\falt Helvetica};}
{\f57\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese){\*\falt Helvetica};}{\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{\*\falt Times};}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\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{\*\falt Times};}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\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{\*\falt Times};}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}}{\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\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 \snext0 \sqformat \spriority0 Normal;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 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\lang2057\langfe2057\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp2057\langfenp2057 
\snext11 \ssemihidden \sunhideused \sqformat Normal Table;}{\s15\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\cf1\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \snext15 \spriority0 Default;}{\s16\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM1;}{\s17\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM19;}{\s18\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM20;}{\s19\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM21;}{\s20\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM22;}{\s21\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM23;}{\s22\ql \li0\ri0\sl208\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM2;}{\s23\ql \li0\ri0\sl198\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM3;}{\s24\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM4;}{\s25\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM5;}{\s26\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM24;}{\s27\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM6;}{\s28\ql \li0\ri0\sl206\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM7;}{\s29\ql \li0\ri0\sl206\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM8;}{\s30\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM9;}{\s31\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM10;}{\s32\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM25;}{\s33\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM12;}{\s34\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM13;}{\s35\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM14;}{\s36\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM15;}{\s37\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM16;}{\s38\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM26;}{\s39\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM27;}{\s40\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM17;}{\s41\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\loch\f1\hich\af1\dbch\af31505\cgrid\langnp5129\langfenp5129 \sbasedon15 \snext15 CM18;}}{\*\listtable{\list\listtemplateid771809850\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0
\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0
\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0
\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext
\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listname ;}\listid-1874586284}}{\*\listoverridetable{\listoverride\listid-1874586284\listoverridecount0\ls1}}{\*\rsidtbl \rsid262974\rsid347301\rsid400252\rsid998366\rsid1055246
\rsid1341030\rsid2239452\rsid2429429\rsid3484262\rsid3487862\rsid3636597\rsid4340283\rsid4350137\rsid4414212\rsid4468741\rsid4853063\rsid4857664\rsid5207362\rsid5649380\rsid5706321\rsid6058588\rsid6247149\rsid6292531\rsid6693165\rsid6953608\rsid7567149
\rsid7752504\rsid8742427\rsid9666361\rsid10582379\rsid11207212\rsid11289058\rsid12668582\rsid13200575\rsid13509633\rsid13635617\rsid13979906\rsid14234147\rsid14359493\rsid15280526\rsid15818890}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0
\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\author lakhan_n}{\operator sam_f}{\creatim\yr2013\mo9\dy30\hr12\min13}{\revtim\yr2013\mo10\dy3\hr15\min11}{\version8}{\edmins117}{\nofpages14}{\nofwords4209}{\nofchars20782}
{\*\company USP}{\nofcharsws24942}{\vern32773}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw8880\paperh13743\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect 
\widowctrl\ftnbj\aenddoc\trackmoves0\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\horzdoc\dghspace120\dgvspace120\dghorigin1701
\dgvorigin1984\dghshow0\dgvshow3\jcompress\viewkind1\viewscale130\rsidroot4340283 \fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0\ltrpar \sectd \ltrsect\sbknone\linex0\sectlinegrid299\sectdefaultcl\sectrsid6953608\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\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 \rtlch\fcs1 \af0\afs22\alang1025 
\ltrch\fcs0 \fs22\lang5129\langfe5129\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149 \hich\af0\dbch\af31505\loch\f0 [1967] 13 FLR 203
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
COURT OF APPEAL OF FIJI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6953608 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
Civil Jurisdiction
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6953608 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
BRIJ BUSHAN LAL}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 v.

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid6953608 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
QUEENSLAND INSURANCE CO. LTD.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149\charrsid4340283 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7567149 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149 \hich\af0\dbch\af31505\loch\f0 [COURT OF AP}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7567149 \hich\af0\dbch\af31505\loch\f0 PEAL, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4340283 \hich\af0\dbch\af31505\loch\f0 
1967 (Gould V.P., Adams J.A., Marsack J.A.), 27th November, 5th, 19th December]}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6953608 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
Insurance-proposal-untrue answer in-truth\hich\af0\dbch\af31505\loch\f0  of answer made by term of policy co}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13635617 \hich\af0\dbch\af31505\loch\f0 
ndition precedent to liability.
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
Insurance-"Marine Certificate"-evidencing unconditional contract at common law-non-disclosure of fact by insured-whether material-test of materia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid6953608 
\hich\af0\dbch\af31505\loch\f0 li}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid14234147\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 ty-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Marine Insur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
ance Ordinance 1961}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid14234147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 In\hich\af0\dbch\af31505\loch\f0 
 September 1965, and March 1966, the appellant signed proposals to the respondent company for comprehensive insurance over two motor vehicles. In each he answered in the negative the question whether he had ever had an insurance cancelled. He had in fact 
\hich\af0\dbch\af31505\loch\f0 h\hich\af0\dbch\af31505\loch\f0 
ad a motor vehicle policy and a marine open policy cancelled by the United Insurance Co. Ltd. in October, 1964, and August, 1964, respectively and his answer to the question abovementioned was to his knowledge false. The policies issued pursuant to the pr
\hich\af0\dbch\af31505\loch\f0 o\hich\af0\dbch\af31505\loch\f0 posals contained a proviso that the truth of the answers in the proposal should be a condition precedent to any liability of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid2429429 \hich\af0\dbch\af31505\loch\f0  the respondent company to make}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 
 any payment under the policy. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid14234147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 In June, 1966, the appellant insured }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 with the respondent company mer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 
\hich\af0\dbch\af31505\loch\f0 
chandise (to be loaded onto the two motor vehicles abovementioned) against road risks and in relation thereto the respondent company issued documents called Marine Certificates. The fact of the earlier cancellations by the United Insurance Co. Ltd. was no
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0  disclosed to the respondent company.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2429429 \hich\af0\dbch\af31505\loch\f0 Held:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 
\hich\af0\dbch\af31505\loch\f0  l. The truth of the answers to the questions in the proposals for the motor vehicles having been made a condition precedent to the respondent company's liability the company was entitled to disclaim liability by
\hich\af0\dbch\af31505\loch\f0  reason of the untrue answers made by the appellant. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14234147\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 2. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 
\hich\af0\dbch\af31505\loch\f0 On the basis that the Marine Certificates evidenced unconditional contracts of insurance governed by common law principles the appellant was under a duty to make d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid14234147\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 isclosure of every }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 
\hich\af0\dbch\af31505\loch\f0 material fact. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid14234147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14234147\charrsid14234147 \hich\af0\dbch\af31505\loch\f0 3. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid14234147 
\hich\af0\dbch\af31505\loch\f0 Materiality is a question of fact and in the circumstances of the case }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 
the non-disclosure of the earlier cancellations was clearly material. (Per Marsack J.A.: to determine materiality in such a case the test may be applied whether or no a prudent unde\hich\af0\dbch\af31505\loch\f0 rwriter would take the fact in}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14234147\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 to consideration in estimating }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 
the premium or underwriting the policy.) (Per Gould V.P.: the cancellations were not so remote in time that they would have ceased to influence a reasonable insurer.) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid1055246 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 4. The respondent company \hich\af0\dbch\af31505\loch\f0 was therefore entitled to avoid the contracts. }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid1055246 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 Cases referred}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 
\hich\af0\dbch\af31505\loch\f0  to: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Newcastle Fire Insurance Co. v. Macmoran & Co. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 (1815) 3 Dow. 255; 3 E}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 R}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1055246\charrsid1055246 \hich\af0\dbch\af31505\loch\f0  1057}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid1055246\charrsid6953608 
\hich\af0\dbch\af31505\loch\f0 : Macdonald v. Law Unio}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 n Fire & Life }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Insurance Co.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0  (1874) LR 9 QB}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0  328; 30 L}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 
\hich\af0\dbch\af31505\loch\f0 T 545: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Mutual Life Insurance }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid1055246\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 of New Y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 o
\hich\af0\dbch\af31505\loch\f0 rk v. Ontario Metal Products}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid6953608 \hich\af0\dbch\af31505\loch\f0  Co. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 . [1925] AC 344; 132 L}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 T 652: }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Newsholme Bros. v. Road Transport & General Insurance Co. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 . [1929] 2 KB 356; 141 LT }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0 570: }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Ewer v. National Employers' Mutual General Insurance Association Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 . [1937] 2 All ER}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0  1}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 93; 157 LT}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1055246 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11207212\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 1\hich\af0\dbch\af31505\loch\f0 6: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Tate v. Hyslop}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 
 (1885) 15 QBD 368; 53 LT}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0  581: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Locker and Woolf Ltd. v. Western Australian Insurance Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 Lt}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 
. [1936] 1 KB 408; 154 L.T. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 667}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11207212\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11207212\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 
Yager v. Guardian Assurance C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6953608 \hich\af0\dbch\af31505\loch\f0 o. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608 \hich\af0\dbch\af31505\loch\f0 . (1912) 108 LT 38; 29 TLR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0  53. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid11207212 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 Appeal from a judgment of the Supreme Court di\hich\af0\dbch\af31505\loch\f0 
smissing an action on four insurance policies. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6953608\charrsid11207212 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4414212 \hich\af0\dbch\af31505\loch\f0 A. D. Patel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 
\hich\af0\dbch\af31505\loch\f0  for the appellant. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid11207212 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4414212 \hich\af0\dbch\af31505\loch\f0 M. J. C. Saunders}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 
\hich\af0\dbch\af31505\loch\f0  for the respondent company. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid11207212 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 The facts sufficiently appear from the judgments. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid11207212 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 The following judgments were read: GOULD V.P.: [19t}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493 \hich\af0\dbch\af31505\loch\f0 h December, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11207212\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 1}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11207212 \hich\af0\dbch\af31505\loch\f0 967]-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid11207212 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 Thi\hich\af0\dbch\af31505\loch\f0 s is an appeal from }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11207212\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 a judgment of the Supreme Court dismissing an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 
\hich\af0\dbch\af31505\loch\f0 action in which}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 \hich\f0  the appellant claimed from the respondent the sum of \'a3\loch\f0 
1,971 under four insurance policies issued by the respondent company. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid1341030 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 On the appeal the facts were not in dispute. On \hich\af0\dbch\af31505\loch\f0 the 3rd September, 1965,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 
and the 19th March, 1966, respective}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 ly, the appellant signed two of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 the respondent company's proposal f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 
\hich\af0\dbch\af31505\loch\f0 orms to effect comprehensive ins}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 urance}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 
over his two motor vehicles re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493 \hich\af0\dbch\af31505\loch\f0 gistered numbers D895 and C921 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 respectively. Policies were \hich\af0\dbch\af31505\loch\f0 duly issue}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493 \hich\af0\dbch\af31505\loch\f0 d on each proposal. In each of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 
the proposal form}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 s the appellant inserted the answer "No"}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493 \hich\af0\dbch\af31505\loch\f0  to the following question \hich\f0 \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid1341030 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14359493 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 
"Have you . . . . (g) Ever had an in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493 \hich\af0\dbch\af31505\loch\f0 surance declined or cancelled, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 renewal refused, or an increased pre}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493 
\hich\af0\dbch\af31505\loch\f0 mium demanded on renewal \hich\af0\dbch\af31505\loch\f0 there}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 of? If }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid1341030 \hich\af0\dbch\af31505\loch\f0 so, give particulars." }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid14359493\charrsid1341030 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid15280526 \hich\af0\dbch\af31505\loch\f0 
This answer was, to the knowledge of the appellant, untrue. Prior to the 3rd September, 1965, the appellant had been insured under Motor Vehicle Policy No. A945 with the United Insurance Company Ltd. (covering one of th\hich\af0\dbch\af31505\loch\f0 
e same vehicles, No. D895) and Marine Open Policy No. MF / 101, both of which policies had been cancelled by the United Insurance Company Ltd. Notice of the cancellations had been given to the appellant by letters which he admittedly received dated respec
\hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 ively the 28th October}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15280526\charrsid15280526 \hich\af0\dbch\af31505\loch\f0 , 1964, }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid1341030\charrsid15280526 \hich\af0\dbch\af31505\loch\f0 and the 23rd August, 1964.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid15280526 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid15280526 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid15280526\charrsid15280526 \hich\af0\dbch\af31505\loch\f0 On the 9th June, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid15280526 
\hich\af0\dbch\af31505\loch\f0 1966, the appellant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid15280526 \hich\af0\dbch\af31505\loch\f0  signed two requests to the res}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid15280526 \hich\af0\dbch\af31505\loch\f0 pondent company to insure merchandise to be loaded onto the two motor vehicles abovementioned for a journey "around Viti Levu" and
\hich\af0\dbch\af31505\loch\f0  in respect of each request the respondent company issued a document called a Marine Certificate purporting to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid262974 
\hich\af0\dbch\af31505\loch\f0 insure th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13200575\charrsid262974 \hich\af0\dbch\af31505\loch\f0 e merchandise against road risks}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid262974 \hich\af0\dbch\af31505\loch\f0 . On the 14th June, 1966, both the motor vehicle}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid262974\charrsid262974 
\hich\af0\dbch\af31505\loch\f0 s in question and the merch}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid262974 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid262974 \hich\af0\dbch\af31505\loch\f0 dise were destroyed by fire\hich\af0\dbch\af31505\loch\f0  and the appellant subsequently brought the action now under appeal against the}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid262974 \hich\af0\dbch\af31505\loch\f0  respondent company, which reli}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid262974\charrsid262974 
\hich\af0\dbch\af31505\loch\f0 ed in its }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid262974 \hich\af0\dbch\af31505\loch\f0 
defence, in relation to the motor vehicle policies, upon the terms of the policies and the untrue statements in t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \hich\af0\dbch\af31505\loch\f0 he proposals, and, in r
\hich\af0\dbch\af31505\loch\f0 elation }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6693165 \hich\af0\dbch\af31505\loch\f0 
to the Marine Certificate, upon fraudulent concealment of the earlier cancellations. In his judgment, having decided a disputed question of fact against the appellant, the learned trial Judge upheld both of these defences and found that the respond
\hich\af0\dbch\af31505\loch\f0 ent company was entitled to repudiate all four contracts of insurance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid6693165 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6693165 \hich\af0\dbch\af31505\loch\f0 So far as the two motor vehicle policies are concerned the case is quite}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid6693165 \hich\af0\dbch\af31505\loch\f0  clear. The polic}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6693165 \hich\af0\dbch\af31505\loch\f0 
ies contain the following proviso -
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 \hich\af0\dbch\af31505\loch\f0 
"PROVIDED ALWAYS that the due observance and fulfilment by\hich\af0\dbch\af31505\loch\f0 
 the Insured of the terms provisions conditions and memoranda contained in endorsed on or attached to this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the said Propo
\hich\af0\dbch\af31505\loch\f0 s\hich\af0\dbch\af31505\loch\f0 al together with all statements made in writing by the Insured or anyone acting on behalf of the Insured for the purposes of this Policy shall be}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid2239452 \hich\af0\dbch\af31505\loch\f0  conditions pre}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 \hich\af0\dbch\af31505\loch\f0 
cedent to any liability of the Company to make any payment under this Policy." }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid2239452 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 \hich\af0\dbch\af31505\loch\f0 
The learned tri\hich\af0\dbch\af31505\loch\f0 al Judge found that the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid2239452 \hich\af0\dbch\af31505\loch\f0 untrue statement as to cancella}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 \hich\af0\dbch\af31505\loch\f0 
tion was of a "most material fact' but its truth has in any event been made an essential term of the contract, which therefore applies whether it is material or not: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 Newcastle Fire Insurance Co. v. Mac\hich\af0\dbch\af31505\loch\f0 mor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4853063\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 ran & Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4853063 \hich\af0\dbch\af31505\loch\f0 . (1815) 3 Dow 255; 3 ER}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 \hich\af0\dbch\af31505\loch\f0  1057. It is also unnecessary to consider whether the untrue statement was made fraudulently or innocently: }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 Macdonald v. Law Union Fire & Life Insurance Co.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 \hich\af0\dbch\af31505\loch\f0  (1874) 9 Q.B. 328. Therefore, as the question in the proposal wa\hich\af0\dbch\af31505\loch\f0 s in fact answered unt}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid2239452\charrsid2239452 \hich\af0\dbch\af31505\loch\f0 ruly, the respondent company was}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid2239452 
\hich\af0\dbch\af31505\loch\f0  by virtue of the express provisions of the contract under no liability to make any payment under the policies. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid2239452 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4857664 \hich\af0\dbch\af31505\loch\f0 Counsel for the appellant submitted that cancellation was not material unless it involve\hich\af0\dbch\af31505\loch\f0 
d some default on the part of the insured}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3487862 \hich\af0\dbch\af31505\loch\f0 . Counsel also refe}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid3487862 \hich\af0\dbch\af31505\loch\f0 rred to Condition 6 of the polic}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3487862 
\hich\af0\dbch\af31505\loch\f0 ies whereby the insured may "terminate" the policy and the company may "cancel' it, suggested that the words meant the same thing and that there was nothing in the \hich\af0\dbch\af31505\loch\f0 
termination of the United Insurance Company's polices which would increase the moral hazard for the Queensland Insurance Company. I am unable to attach any weight to these arguments. The cancellat}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid3487862 \hich\af0\dbch\af31505\loch\f0 ion of the United Insurance Com}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3487862 
\hich\af0\dbch\af31505\loch\f0 pany's policies }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid347301 \hich\af0\dbch\af31505\loch\f0 was clearly p\hich\af0\dbch\af31505\loch\f0 
roved in the Court below, and, on the law as I have stated it, no question of what caused the cancellation appears to arise. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid347301 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 I turn now to the question of the two "Marine Certificates" which the learned trial Judge held were not marine}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid5207362\charrsid5207362 \hich\af0\dbch\af31505\loch\f0  policies but uncon\hich\af0\dbch\af31505\loch\f0 ditional con}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 tracts of insurance governed by general}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid5207362 
\hich\af0\dbch\af31505\loch\f0  common law principles of insur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 
ance. Subject to the comment which I will make later I will deal with the matter on this basis. It is an elementary principle of insurance law that if the utmost good faith i\hich\af0\dbch\af31505\loch\f0 
s not observed by either party the contract may be avoided by the other party. The application of this principle gives rise, among other things, to a duty by each party to make disclosure of every material fact. In the present case it was common ground th
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 
t, when the Marine Certificates were applied for and granted, in June, 1966, the appellant failed to disclose that in October and August 1964 the United Insurance Company Ltd. had cancelled a Motor Vehicle policy and a Marine Open policy effected by him. 
\hich\af0\dbch\af31505\loch\f0 T\hich\af0\dbch\af31505\loch\f0 he short question therefore, upon the answer to which the right of the respondent company to repudiate liability depends, is whether the fact of the cancellations was a material fact. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid5207362 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 The learned Judge found it was so in the following passage }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \loch\af0\dbch\af31505\hich\f0 \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid5207362 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 
"That tw\hich\af0\dbch\af31505\loch\f0 o previous policies of insur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \hich\af0\dbch\af31505\loch\f0 ance had been cancelled by his }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 previous insurers were most material facts which were not disclosed but should have been disclosed. Discl}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3487862\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 osure of such would have affect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 
\hich\af0\dbch\af31505\loch\f0 ed the moral hazard. On the evidence before me I am quite sat\hich\af0\dbch\af31505\loch\f0 
isfied that no prudent insurer would, if such disclosure had been made, have agreed to insure the Plaintiff before making further enquiries of the circumstances under which the previous insurer had cancelled the Plaintiffs policies." }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid5207362 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 
It is not quite clea\hich\af0\dbch\af31505\loch\f0 
r how far the learned Judge intended to go in this finding but it would appear that the reference to the insurer making further inquiries does not take the matter quite far enough. If the result of the inquiries would be no more than delay in issuing the 
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 nsurance, and would not have affected a reasonable insurer in any other way, the non-disclosure would not be material. This appears to result from what was s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid5207362\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 aid in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid5207362\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 Mutual Li}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 fe Insurance Co. of New York v. Ontario Metal Products Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4853063 \hich\af0\dbch\af31505\loch\f0 . [1925] AC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0  344 at p.351-2-}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid5207362 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 
"Faced with a difficulty of this kind, the appellants' counsel frankly conceded that materiality must always be a question of degree, and therefore to be determined by the Court, and suggested that the test was whether, if the fact concealed ha}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid5207362\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 d been di\hich\af0\dbch\af31505\loch\f0 sclosed, the insurers}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0  would have acted differently, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid5207362\charrsid5207362 
\hich\af0\dbch\af31505\loch\f0 either by declining the risk at }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 the proposed premium or at least by delaying c}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 onsideration of its accept}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5207362 \hich\af0\dbch\af31505\loch\f0 ance until they had consulted Dr. Fierheller}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 
\hich\af0\dbch\af31505\loch\f0 . If the former proposition were established in the sens\hich\af0\dbch\af31505\loch\f0 
e that a reasonable insurer would have so acted, materiality would, their Lordships think, be established, but not in the latter if the difference of action would have been delay and delay alone. In their view, it}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid5207362\charrsid9666361 \hich\af0\dbch\af31505\loch\f0  is a question of fact in each case }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 
\hich\af0\dbch\af31505\loch\f0 whether\hich\af0\dbch\af31505\loch\f0 
, if the matters concealed or misrepresented had been truly disclosed, they would, on a fair consideration of the evidence, have influenced a reasonable insurer to decline the risk or to have stipulated for a higher premium." }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid9666361 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid9666361\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 
If, however,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0  the learned Jud\hich\af0\dbch\af31505\loch\f0 
ge had directed his mind to what would have happened had the cancellations been dis}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid9666361\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 closed and inquiries made I am}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0  satisfied that on the evidence he would have maintained his conclusion that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid9666361 \hich\af0\dbch\af31505\loch\f0  the non-disclosure was material}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 
\hich\af0\dbch\af31505\loch\f0  The reason given by the Manager of\hich\af0\dbch\af31505\loch\f0 
 the United Insurance Company Ltd. for the cancellation and contained in one of his letters to the appellant was the appellant's "unsatisfactory claims record with this company". Th}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 e Manager of the respondent com}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 
\hich\af0\dbch\af31505\loch\f0 pany said that he would not issue a Marine C\hich\af0\dbch\af31505\loch\f0 ertificate to anyone unless he were satisfied about the proposer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid12668582\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 's integrity; he said further }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \loch\af0\dbch\af31505\hich\f0 
\endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid9666361 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 
"If I had known this I would not have agreed to issue these policies to the Plaintiff without making further enquiries. I would not in fact have issued any po\hich\af0\dbch\af31505\loch\f0 licies to the Plaintiff at all." }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid9666361 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 
I think this evidence, which was not challenged, is sufficient to show that the result of disclosure in this case would not in the case of a reasonable insurer, have been limited to mere delay in issuing the policies. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid9666361 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 C\hich\af0\dbch\af31505\loch\f0 
ounsel for the appellant emphasised that there were no questions to be answered in the case of the applications for marine certificates and relied upon a statement in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 Preston and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 
Colinvaux on Laws of Insurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 
\hich\af0\dbch\af31505\loch\f0 (1950) to the effect that by not asking q}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid9666361\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 uesti\hich\af0\dbch\af31505\loch\f0 
ons about a matter the. in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 surers run }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 a greater risk of the contentio}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 
\hich\af0\dbch\af31505\loch\f0 n being pressed home that such matter is not material. The passage from the judgment of Scrutton L.J. in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 
\hich\af0\dbch\af31505\loch\f0 Newsholme Bros. v. Roa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid9666361\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 d Transport & General Insurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 \hich\af0\dbch\af31505\loch\f0  Co. Ltd. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 [1929] }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4853063 \hich\af0\dbch\af31505\loch\f0 2 KB}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 
 356, 363\hich\af0\dbch\af31505\loch\f0 , cited in the f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid9666361 \hich\af0\dbch\af31505\loch\f0 
ootnote in the text book, indicates however, that the reference is to the case in which some questions are in fact asked}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 
. Also it is fair to note that the Manager of the respondent company said that when deciding whether or not to give mari\hich\af0\dbch\af31505\loch\f0 ne cover all proposals put in by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 insured were considered and the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 
\hich\af0\dbch\af31505\loch\f0 y had }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8742427\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 already the appellant's proposa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 ls for the motor vehicle policies which contained the untrue answer to the question concerning previous cancellations. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid8742427 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 Counsel for the appell}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 ant reli\hich\af0\dbch\af31505\loch\f0 ed substantially upon the case of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 Ewer v. National Employers' Mutual General Insurance }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid4853063 \hich\af0\dbch\af31505\loch\f0 Association Ltd.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \hich\af0\dbch\af31505\loch\f0  [1937] 2 All ER}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 
 193 in which it was held that in the absence of direct questions a person proposing insurance is not bound to disclose every claim he ha\hich\af0\dbch\af31505\loch\f0 
s had upon other policies with a different subject matter. The policy in question was a fire policy on certain premises and the claims which it is alleged the insured should have disclosed were claims on a policy on g}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid12668582\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 oods in transit all over the co}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 
\hich\af0\dbch\af31505\loch\f0 untry. T\hich\af0\dbch\af31505\loch\f0 he fire policy had been in force for six years and during its earlier currency a small claim had been paid on it. The learned Judge said, at p.197-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid8742427 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 
"The proposition relied upon by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8742427\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 defendant company is that, when}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 ever any assured, through his broker or \hich\af0\dbch\af31505\loch\f0 
personally, makes any proposal for a fire insurance policy, he is bound to disclose, without any question being asked about it, the fact of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid8742427\charrsid8742427 
\hich\af0\dbch\af31505\loch\f0  his ever having had }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 any claim on any other insurance policy of any sor}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 t for, as I gather, the whole o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 
\hich\af0\dbch\af31505\loch\f0 f his life." }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3484262 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid8742427 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid8742427 \hich\af0\dbch\af31505\loch\f0 
The learned Judge considered this to be a grave and serious contention and he rejected it, but did not attempt to lay down any test as to the exact limits of necessary disclosure. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid8742427 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid5649380 \hich\af0\dbch\af31505\loch\f0 I do}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid7752504 \hich\af0\dbch\af31505\loch\f0 
 not think this case materially assists the appellant. Materiality is \hich\af0\dbch\af31505\loch\f0 a question of fact and may involve matters of degree, as was indicated in the pas}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7752504\charrsid7752504 \hich\af0\dbch\af31505\loch\f0 sage in the judgment in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7752504\charrsid6292531 
\hich\af0\dbch\af31505\loch\f0 Mutual Li}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6292531 \hich\af0\dbch\af31505\loch\f0 fe Insurance Co. of New York v. Ontario Metal Products Co}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid7752504 \hich\af0\dbch\af31505\loch\f0 . which I have quoted above. In the present case the Marine Certificates had not been\hich\af0\dbch\af31505\loch\f0 
 in force for a long period but were designed to cover one specific journey. The cancellation of the United Insurance policies took place nearly two years before the date }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid7752504\charrsid7752504 \hich\af0\dbch\af31505\loch\f0 of the Marine Certificates but I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid7752504 
\hich\af0\dbch\af31505\loch\f0  do not consider that to be so remote in time that th\hich\af0\dbch\af31505\loch\f0 e }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 \hich\af0\dbch\af31505\loch\f0 
cancellation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid7752504\charrsid998366 \hich\af0\dbch\af31505\loch\f0  wou}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 
\hich\af0\dbch\af31505\loch\f0 
ld have ceased to influence a reasonable insurer. One of the cancelled policies had covered a lorry upon which the merchandise insured by one of the Marine Certificates was to be loaded and the other, the Marine Open policy, was shown by 
\hich\af0\dbch\af31505\loch\f0 the evidence to have covered merchandise. I think it follows that they were not of a different category from the Marine Certificates but w}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid998366\charrsid998366 \hich\af0\dbch\af31505\loch\f0 ere sufficiently com}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 \hich\af0\dbch\af31505\loch\f0 
parable in nature and purpose to make their cancellation material. In my judgment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid5649380 \hich\af0\dbch\af31505\loch\f0 Ewer's }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 \hich\af0\dbch\af31505\loch\f0 case is c\hich\af0\dbch\af31505\loch\f0 learly distinguishable. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid998366 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 \hich\af0\dbch\af31505\loch\f0 As I mentioned earlier, the learned trial}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid12668582\charrsid998366 \hich\af0\dbch\af31505\loch\f0  Judge treated the Marine Certi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 
\hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid998366\charrsid998366 \hich\af0\dbch\af31505\loch\f0 icates as common law contracts }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid998366 \hich\af0\dbch\af31505\loch\f0 of insurance, though it had been argued before him that they were in fact and law contracts of marine insurance and subject to
\hich\af0\dbch\af31505\loch\f0  the Marine Insurance Ordinance, 1961. It would appear that the copies of the Marine Insurance Certificates put in in the Supreme Court were not complete and the learned trial Judge was thereby }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 misled in one material particular which may well have influenc\hich\af0\dbch\af31505\loch\f0 
ed his finding. I have been unable to discover in the partic}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 ular circumstances of the case }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 that the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid13979906 
\hich\af0\dbch\af31505\loch\f0 respondent company would have d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 rived any particula}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 
\hich\af0\dbch\af31505\loch\f0 r advantage had the l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 earned Judge considered the Ordinance to be appli}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 cable, and I would therefore prefer\hich\af0\dbch\af31505\loch\f0  to leave this as an open question. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid13979906 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 On the case as a whole,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 \hich\af0\dbch\af31505\loch\f0  it is my opinion that no suffic}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 
\hich\af0\dbch\af31505\loch\f0 ient ground has been shown to induce this Court to differ from the conclusions reached by the learned trial Judge and I would therefore dismiss the appeal with cos\hich\af0\dbch\af31505\loch\f0 ts. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid13979906 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 MARSACK J.A. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 
\loch\af0\dbch\af31505\hich\f0 \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid13979906 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 I have had the advantage of reading the c}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262 \hich\af0\dbch\af31505\loch\f0 areful judgment of the learned }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 
Vice President and I agree that the appeal must be dismissed upon the grounds set out in that judgment. At the same time I would like to add some brief observatio\hich\af0\dbch\af31505\loch\f0 ns of my own. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3484262\charrsid13979906 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 It is clear that there are two aspects of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 \hich\af0\dbch\af31505\loch\f0  case requiring consideration.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 
\hich\af0\dbch\af31505\loch\f0  The first relates to the comprehensive insurance policies over the two motor vehicles concerned. I am in full agreement with the learned Vice President that the cla\hich\af0\dbch\af31505\loch\f0 
im under these policies must necessarily fail. The appellant gave a knowingly false answer to question 8 (g) in each of the proposal forms upon which the respective insurance policies were based. Under the terms of the policies themselves the truth of tho
\hich\af0\dbch\af31505\loch\f0 s\hich\af0\dbch\af31505\loch\f0 e answers is made a condition precedent to the respo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 
ndent Company's liability. Con}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 
sequently the Company was fully entitled to disclaim liability under the policies in question. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid13979906 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 The second aspect refers to the "marine certificates" covering the goods in t\hich\af0\dbch\af31505\loch\f0 
ransit. The finding of the learned trial Judge that these "marine certificates" were "unconditional contracts of insurance", governed by general common law principles of insurance, is, in my opinion, not open to challenge. It is true, as is pointed out in
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 the judgment of the learned Vice President, that the trial Judge was misled by the fact that the copies }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid13979906\charrsid13979906 \hich\af0\dbch\af31505\loch\f0 of the certificates exhibited in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13979906 
\hich\af0\dbch\af31505\loch\f0  the Court below were incomplete}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid10582379 \hich\af0\dbch\af31505\loch\f0 
. The particular omission to which reference is there made is that of the name of the in\hich\af0\dbch\af31505\loch\f0 
surer, which is clearly shown on the original certificates. Whether the correction of this error would have caused the learned trial Judge to come to a different conclusion as to whether or not the certificate could be held to be a Marine Insurance Policy
,\hich\af0\dbch\af31505\loch\f0  does not appear to me to affect the real point in issue. That is, was this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597 \hich\af0\dbch\af31505\loch\f0  a true contract of insurance? 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid10582379 \hich\af0\dbch\af31505\loch\f0 I am satisfied that the trial Judge was right in holding that it was. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid10582379 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid10582379 \hich\af0\dbch\af31505\loch\f0 Accordingly the question arises as to what obligation of disclosure is underta\hich\af0\dbch\af31505\loch\f0 
ken by the applicant for insurance when no formal proposal is required to be signed. The principles of law to be applied are, in my respectful opinion, adequately and correctly set out in the judgment in one of the cases cited by counsel for the appellant
,\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3636597 \hich\af0\dbch\af31505\loch\f0 Tate v. Hyslop}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597 \hich\af0\dbch\af31505\loch\f0  (1885) 15 QBD}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid10582379 \hich\af0\dbch\af31505\loch\f0 
 368, per Bowen L.J. at p.379: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid10582379 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid10582379 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3636597 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
"It is established law that a person dealing with underwriters must disclose to them all the material facts which are known to himself and not to them, or, at all events, a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 re facts which they ar\hich\af0\dbch\af31505\loch\f0 e not bound }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 to know. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
What are material }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 facts, has been defined by authority. It is the duty of the assured to commun}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 icate all facts within his know}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0 ledge which would affect the mind of the underwriter at the time the policy is made, either as to taking the \hich\af0\dbch\af31505\loch\f0 
contract of insurance, or as to the premium on which he would take it. The materiality of the fact depends upon whether or no a prudent underwriter would take the fact into consideration in estimating the premium, or in underwriting the policy. The rule h
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 s been clearly laid down over and over again, and is to be found in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3636597 
\hich\af0\dbch\af31505\loch\f0 Ionides v. Pender}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0  and other cases."}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3636597 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4340283 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
The learned Vice President in the course of his}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 \hich\af0\dbch\af31505\loch\f0  judgment has pointed out that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 the determination of the issue in respect of the marine certificates depe\hich\af0\dbch\af31505\loch\f0 nds upon the answer to the question w}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 hether the failure of the appel}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
lant to disclose the cancellation of his policies with the United Insurance Company was a material fact entitling the insurers to disclaim liability. To determine materiality in such case \hich\af0\dbch\af31505\loch\f0 
one can well apply the test laid down by Bowen L.J., namely: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 whether or no a prudent underwr}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 iter would tak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0 e the fact into consideration in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0  estimating the premium, or underwriting the policy. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 The answer to that question in the present case is not hard to \hich\af0\dbch\af31505\loch\f0 
find. It has been made abundantly clear that the respondent Company regards the matter as material, in that a direct question on the subject is included in the proposal form which every applicant for motor car insurance is required to sign. Moreover the c
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 ncellation of previous insurance policies with another company is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0  not a fact which, to use the w}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
ords of Bowen L.J., the respondent is bound to know. The Company was already in possession of the signed statement by the appellant that he had never had any pr\hich\af0\dbch\af31505\loch\f0 
evious policies cancelled. The manager of the respondent Company stated in evidence that among the matters taken into consideration by the Company when deciding whether or not to give marine cover were all proposal forms put in by the insured; and further
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
that he had actually considered the proposal forms in respect of the motor car insurance when deciding whether or not to issue the marine certificates. The evidence of the manager of the respondent Company was accepted as truthful by the learned trial Jud
\hich\af0\dbch\af31505\loch\f0 g\hich\af0\dbch\af31505\loch\f0 e. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
It is for the Court to rule as a matter of law whether a particular fact is capable of being material, and to give directions as to the test to be applied; but the decision ultimately is one of fact depending on the circumstances as proved in evidence
\hich\af0\dbch\af31505\loch\f0 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6292531 \hich\af0\dbch\af31505\loch\f0 22 Halsbury's Laws }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid6292531 \hich\af0\dbch\af31505\loch\f0 of England}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597 \hich\af0\dbch\af31505\loch\f0  3rd Ed. p.187 para. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
357. The question of materiality of cancellation of previous policies, and the like, has been considered in a number of reported cases, as for example }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6292531 
\hich\af0\dbch\af31505\loch\f0 Locker and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid6292531 \hich\af0\dbch\af31505\loch\f0  Woolf Ltd. v. Western Australia}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6292531 \hich\af0\dbch\af31505\loch\f0 n Insurance\hich\af0\dbch\af31505\loch\f0  Co. Ltd.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6292531 
\hich\af0\dbch\af31505\loch\f0  [1936] 1 KB}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0  408, and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid13509633 \hich\af0\dbch\af31505\loch\f0 Yager v. Guardian Assurance Co. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid13509633 
\hich\af0\dbch\af31505\loch\f0 . (1912) 108 LT}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0  38. The principle laid down by those cases may be }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 shortly stated thus: a pre}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0 vious refusal by an insurance company to issue an insurance policy to the applicant, or the cancel\hich\af0\dbch\af31505\loch\f0 lation of a policy held by him, is a materi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 al fact which must be disclosed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0 on an application for insurance. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 With regard to the case of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3636597 \hich\af0\dbch\af31505\loch\f0 Ewer v. National Employers' Mutual General Insurance Association Ltd. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597 \hich\af0\dbch\af31505\loch\f0 [1937] 2 All ER}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
 193 upon which counsel for the ap\hich\af0\dbch\af31505\loch\f0 pellant strongly relied, I can find}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
 nothing in the judgment of Mac}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 Kinnon J. which is at variance with the principles enunciated by Bowen L.J. in }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid3636597 \hich\af0\dbch\af31505\loch\f0 Tate v. Hyslop}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0  (supra) which I have endeavoured to apply in this judgment. The facts in Ewer's case were unusal\hich\af0\dbch\af31505\loch\f0  and bore little resemblance to the facts in the case before this Court. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid3636597\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 In my view the legal principles to be applied to both aspects of the case involved in this appeal are clear and, as I }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 have stated, I am in full agree}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 ment with the learned Vice Presi\hich\af0\dbch\af31505\loch\f0 dent that the appeal must fail. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid400252\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 ADAMS J.A.-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid400252\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
Having read the judgments delivered by my learned brethren, I need say little more than that I agree with them entirely. There is only one point that has troubled me a little, namely the lapse of time betwee}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 n \hich\af0\dbch\af31505\loch\f0 the cancellations by the Unit}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
ed Insurance Company Ltd. in August and October 1964 and the issue of the marine certificates in June 1966. I think there might well be circumstances in which a person taking out such certificates, in the casual way that appear
\hich\af0\dbch\af31505\loch\f0 s to be followed and with no questions asked by the insurance company, might, after an interval of time, fail to recall, or fail}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6058588 
\hich\af0\dbch\af31505\loch\f0  to appreciate the relevancy of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
 an earlier cancellation of a policy or policies by a different insurance company. In the presen\hich\af0\dbch\af31505\loch\f0 
t case, however the second cancellation was in writing, and referred expressly to the appellant's "unsatisfactory claims record with this company" -something that woul}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 d not readily fade into insigni}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0 ficance in the appellant's mind; and there is the further \hich\af0\dbch\af31505\loch\f0 fact that, in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid11289058\charrsid11289058 
\hich\af0\dbch\af31505\loch\f0 interval between the cancellati}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
ons and the marine certificates, the appellant had twice signed proposals for insurance with the respondent company (September 1965 and March 1966), in both of which he had stated that there had been no canc\hich\af0\dbch\af31505\loch\f0 
ellations. In thes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid6247149\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 e circumstances, I have no hesi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 
tation in holding that it was incumbent on the appellant, when taking out the certificates, to inform the company of the cancellations; and, while it is unnecessary to go so far in order to entitle the respo\hich\af0\dbch\af31505\loch\f0 
ndent to succeed, I have no doubt that the result of a proper disclosure on his part would have been a refusal to issue the certificates. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid400252\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 The word "fraudulently" is used in the statement of defence, but is inappropriate. Non-disclosure, whether fraudulen
\hich\af0\dbch\af31505\loch\f0 t or not, is all that is required. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid400252\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid11289058 \hich\af0\dbch\af31505\loch\f0 The Court being unanimously of opinion that the appeal must fail, the appeal is dismissed with costs. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe5129\langnp2057\insrsid400252\charrsid11289058 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6058588 \hich\af0\dbch\af31505\loch\f0 Appeal dismissed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid400252\charrsid6058588 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe5129\langnp2057\insrsid4340283\charrsid6058588 
\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;\lsdpriority1 \lsdlocked0 Default Paragraph Font;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority11 \lsdlocked0 Subtitle;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority22 \lsdlocked0 Strong;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority20 \lsdlocked0 Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority59 \lsdlocked0 Table Grid;\lsdunhideused0 \lsdlocked0 Placeholder Text;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority1 \lsdlocked0 No Spacing;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 1;\lsdunhideused0 \lsdlocked0 Revision;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority34 \lsdlocked0 List Paragraph;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority29 \lsdlocked0 Quote;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority30 \lsdlocked0 Intense Quote;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority19 \lsdlocked0 Subtle Emphasis;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority21 \lsdlocked0 Intense Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority31 \lsdlocked0 Subtle Reference;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority32 \lsdlocked0 Intense Reference;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority33 \lsdlocked0 Book Title;\lsdpriority37 \lsdlocked0 Bibliography;\lsdqformat1 \lsdpriority39 \lsdlocked0 TOC Heading;}}{\*\datastore 010500000200000018000000
4d73786d6c322e534158584d4c5265616465722e352e3000000000000000000000060000
d0cf11e0a1b11ae1000000000000000000000000000000003e000300feff090006000000000000000000000001000000010000000000000000100000feffffff00000000feffffff0000000000000000ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
fffffffffffffffffdfffffffeffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffffffffffffec69d9888b8b3d4c859eaf6cd158be0f00000000000000000000000030fd
d1a4eebfce01feffffff00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000105000000000000}}