{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch0\stshfloch37\stshfhich37\stshfbi37\deflang1033\deflangfe1033\themelang3081\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\f38\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\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;}{\f50\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\f52\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}
{\f53\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f54\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f55\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\f56\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}
{\f57\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f379\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f380\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f382\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}
{\f383\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f386\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f387\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f409\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\f410\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f412\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f413\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f416\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\f417\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f419\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f420\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}{\f422\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}
{\f423\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f424\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f425\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}{\f426\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}
{\f427\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f428\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\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 \f37 }
{\*\defpap \ql \li0\ri0\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 \f37\fs22\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \snext0 \sqformat \spriority0 Normal;}{
\s1\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs48\alang1025 \ltrch\fcs0 \b\fs48\lang2057\langfe2057\kerning36\cgrid\langnp2057\langfenp2057 
\sbasedon0 \snext1 \slink15 \sqformat \spriority9 \styrsid13004655 heading 1;}{\*\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\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext11 \ssemihidden \sunhideused \sqformat Normal Table;}{\*
\cs15 \additive \rtlch\fcs1 \ab\af0\afs48 \ltrch\fcs0 \b\f0\fs48\kerning36 \sbasedon10 \slink1 \slocked \spriority9 \styrsid13004655 Heading 1 Char;}{\s16\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 
\ltrch\fcs0 \f1\fs24\cf1\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \snext16 \spriority0 Default;}{\s17\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM1;}{\s18\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 
\sbasedon16 \snext16 CM19;}{\s19\ql \li0\ri0\sl203\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM2;}{
\s20\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM14;}{\s21\ql \li0\ri0\sl198\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM3;}{\s22\ql \li0\ri0\sl198\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM4;}{\s23\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 
\af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM15;}{\s24\ql \li0\ri0\sl191\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM5;}{\s25\ql \li0\ri0\sl198\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 
\f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM6;}{\s26\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 
\sbasedon16 \snext16 CM7;}{\s27\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM16;}{
\s28\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM17;}{
\s29\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM18;}{
\s30\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM8;}{\s31\ql \li0\ri0\sl198\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM9;}{\s32\ql \li0\ri0\sl196\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM10;}{\s33\ql \li0\ri0\sl236\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM11;}{\s34\ql \li0\ri0\sl231\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM12;}{\s35\ql \li0\ri0\sl200\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon16 \snext16 CM13;}{\*\cs36 \additive \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \fs16 
\sbasedon10 \ssemihidden \sunhideused \styrsid13004655 annotation reference;}{\s37\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\f37\fs20\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext37 \slink38 \ssemihidden \sunhideused \styrsid13004655 annotation text;}{\*\cs38 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\sbasedon10 \slink37 \slocked \ssemihidden \styrsid13004655 Comment Text Char;}{\s39\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs20\alang1025 \ltrch\fcs0 
\b\f37\fs20\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon37 \snext37 \slink40 \ssemihidden \sunhideused \styrsid13004655 annotation subject;}{\*\cs40 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b 
\sbasedon38 \slink39 \slocked \ssemihidden \styrsid13004655 Comment Subject Char;}{\s41\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af38\afs16\alang1025 \ltrch\fcs0 
\f38\fs16\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext41 \slink42 \ssemihidden \sunhideused \styrsid13004655 Balloon Text;}{\*\cs42 \additive \rtlch\fcs1 \af38\afs16 \ltrch\fcs0 \f38\fs16 
\sbasedon10 \slink41 \slocked \ssemihidden \styrsid13004655 Balloon Text Char;}{\*\cs43 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid13004655 citation;}}{\*\listtable{\list\listtemplateid-385186966\listhybrid{\listlevel
\levelnfc10\levelnfcn10\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 }{\listlevel\levelnfc10\levelnfcn10\leveljc0\leveljcn0\levelfollow0\levelstartat1
\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-1940969498}}{\*\listoverridetable{\listoverride\listid-1940969498\listoverridecount0\ls1}}{\*\pgptbl {\pgp\ipgp0
\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp1\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp1\itap0\li0\ri0\sb0\sa0}{\pgp\ipgp1\itap0\li0\ri0\sb0\sa0}}{\*\rsidtbl \rsid337696\rsid928314\rsid1521324\rsid2443824\rsid2911786\rsid2973919\rsid3551301\rsid4068274\rsid4212519
\rsid4549536\rsid4747443\rsid5185167\rsid6696204\rsid6706916\rsid6975386\rsid7275004\rsid7565129\rsid8868470\rsid9650726\rsid10289393\rsid10713729\rsid10894604\rsid12398250\rsid12980703\rsid13004655\rsid13328411\rsid13656943\rsid14224383\rsid15026144
\rsid15102306\rsid15862837\rsid16649601}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\author Lee-Vesikula}{\operator baleimatuku_l}
{\creatim\yr2011\mo10\dy7\hr15\min48}{\revtim\yr2015\mo8\dy31\hr14\min4}{\version13}{\edmins31}{\nofpages8}{\nofwords3959}{\nofchars18689}{\nofcharsws22603}{\vern32859}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}
\paperw11907\paperh16839\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect 
\deftab284\widowctrl\ftnbj\aenddoc\trackmoves0\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\horzdoc\dgmargin\dghspace110\dgvspace120
\dghorigin1080\dgvorigin1440\dghshow0\dgvshow3\jcompress\viewkind4\viewscale140\rsidroot1521324 \fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0\ltrpar \sectd \ltrsect\psz9\linex0\sectlinegrid299\sectdefaultcl\sectrsid4068274\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\pararsid4212519 \rtlch\fcs1 \af0\afs22\alang1025 
\ltrch\fcs0 \f37\fs22\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid4212519 [1981] 27 FLR 212}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid1521324\charrsid4212519 COURT OF A}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\f0\fs24\insrsid4212519\charrsid4212519 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid1521324\charrsid4212519 PEAL}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid15102306\charrsid15102306  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid15102306 
OF }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid15102306\charrsid4212519 FIJI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid1521324\charrsid4212519 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid4068274 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid4068274 Civil Jurisdiction
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid1521324\charrsid4212519 VIJAY}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid1521324\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid1521324\charrsid4212519 RAGHWAN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4068274\charrsid4068274 v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid1521324\charrsid4068274 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid15862837\charrsid15102306 MOTOR CORPORATION OF FIJI
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Gould V.P.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 ,
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  Marsack J.A., Henry J.A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4068274 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid5185167 23 March, 4 April}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  19}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 81}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 H. K. Nagin & M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 rs }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 A. Hoffman}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  for Appellant 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 P. I. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Knight}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  for Respondent 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Contract}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 -}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Sale of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid4212519 "new car"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  \endash  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15102306\charrsid4212519 meaning of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 "new"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  \endash  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid4212519 capitalised}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid4212519\charrsid4212519  \endash  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid4212519 a penalty but an essential pa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 rt}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519  of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid4212519\charrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 the contract. 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Appeal by Vijay Raghwan against sum awarded ($400) to him by the Supreme Court against Motor Corporation of Fiji (Respondent) in an action for damages wherein the plaintiff had}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 claimed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 a motor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 vehicle sold to him by the respondent was not a new car as contracted and was not of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 merchantable quality. An award on the counterclaim in favour of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the respondent of}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
$1040.30 being a sum said to be due and owing under a Bill of Sale over the motor vehicle was attacked as being not recoverable by the respondent, on the ground that was a penalty or so that equity would interfere to reduce it to the equivalent o}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 f a reasonable rate of interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The finding }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 Supreme Court not in dispute in the appeal was that the respondent advertised and sold the car as a ne
w vehicle of which appellant was the first registered owner; that the car had been in bond in Fiji for about 17 months before it was sold to the appellant. Evidence was that the Customs had shifted the vehicle from time to time and the mileage on the spee
dometer was 190. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The learned judge found that for the purpose }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 retail trade, the car}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 was a new vehicle when purchased. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The sum awarded o
n the counterclaim ($1040.30) the learned judge found to be the balance owing, having regard to events which had happened after the proceedings commenced. An amount secured by the Bill of Sale had been $4,345 together with "a sum in lieu }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 of interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  thereon (hereinafter called "additional sum") fixed at $1305."
\par 
\par The grounds of appeal argued were as follows}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid6696204 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 1}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . That the learned trial judge erred in law in determining the quantum of damages for the appellant. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 2. That having regard to the evidence adduced the learned trial judge erred in law and in fact when he declined to make the declaration sought by the appellant regarding the su}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  "the additional sum" by $1,303.00. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 3. That having regard to the evidence adduced the learned trial judge erred in law and in fact in finding: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 (a) .................... }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 (b) There was no unlawful detention of the motor vehicle after the alleged tender or otherwise." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 On the counterclaim, Appellant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
s Counsel referred to a letter addressed to the plaintiff before the Bill of Sale as part of the negotiations laid up to it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
It stated}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4212519 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid15862837\charrsid4068274 "RE: INTEREST
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid6696204 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
Please be informed that you will be allowed rebate on interest if the Bill of Sale.......................is paid off before the final date." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The Court said that the letter was intended to apply to no}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 rm}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 al voluntary early repayment, not to the case }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 of default}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 and enforcement }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  security. There was no submission that the letter operated as a defeasance. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 It was argued that the "additional sum" was a penalty or otherwise so harsh that equity would interfere to reduce it to the equivalent of a reasonable rate of interest. }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The court referred to the words of Cockburn C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15102306 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  in }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 The Protector}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Endowme}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 t Society }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid4212519 . Grice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1880) 49 LJQB }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 812 wherein the facts were }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519\charrsid1521324 very}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  close to the instant case in that interest had cl}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 arly been absorbed into }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15102306\charrsid1521324 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  total }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519\charrsid1521324 principal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  sum }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 payable}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 y instalments. The Chief Justice said}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519  \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid6696204 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 " .................. that which is 
sought to be treated as a penalty is really an essential part of the contract which both parties intended should be performed ......... I take it as clear that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 if a}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  given sum is advanced, to be paid by instalments, with a stipulation that if one instalment
 is not paid the whole sum is to become payable, that stipulation is part of the contract and not within the rule as to penalties." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 In }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Wanner v. Caru}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 ana}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1974) 2 NSWLR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  301 a case in which the facts were similar. Street C.J. indicated that the provision f
or future unaccrued interest for the next 5 years was void as a penalty. However}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  Street }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519 C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 .J. made }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 observations}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  which indicated that he did not regard the case as falling within the type }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 of provision}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Protector Endowme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid4212519 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  case. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Held}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 : The fact that t
he car had run rather more miles than would normally be anticipated was not shown to be a source }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 of damage}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
; the mileage factor as a matter of degree was insufficient in the circumstances to disentitle the respondent company to offer the car for sale as a new one. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 It had not bee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 n established that the represen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
tations were made fraudulently. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 As to the counterclaim the Bill of Sale as drawn fell within the principles enunciated in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 Protector E}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 dowme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 nt}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  case (supra). The "additional sum" could }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15102306 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 e assumed to be }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 interest under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  another name but}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Street}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 J. said}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "an aggregate sum of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
interest at the outset to be paid by instalments". As such it was an essential part}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
of the contract and not merely "minatory" (to use the word of Cockburn C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  It followed that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
he provision should not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 be regarded as a penalty.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The third ground of appeal against a finding in the Supreme Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 that}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 there was no unlawful detention by the respondent of the car was dismissed. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Appeal dismissed. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Cases referred to: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519 M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid4212519 orris Motors v.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid4212519  Lilley}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1959) 3 All ER}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13004655  737.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 Protector Endowment Socie}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid4212519\charrsid2911786 ty}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 
 v. Grice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1880) 49 LJ QB}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  812. 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 Wanner v. Caruana}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1974) 2 NSWLR 301}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 Ce}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid2911786\charrsid2911786 ntral}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 
 London Property Trust Ltd v. High Trees House Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13004655 [}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
1947}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13004655 ]}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  KB 130 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 GO}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 U}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 LD Vice President: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786 
\par 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2911786 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid15862837\charrsid2911786 Judgment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The appellant brought an action against the respondent company in the Supreme Court for damages claimed to arise out }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  transaction in which the former purchased a Triumph}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
2000 T.C motor car from the latter.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The respondent company counterclaimed for the 
balance price owing upon the vehicle, secured by a Bill of Sale. The learned Judge in the Supreme Court rejected most of the heads under which damages were claimed and gave judgment for the appellant for $400 on the basis that the car was not in merchanta
ble condition when sold. On the Counterclaim the learned Judge gave judgment in favour of the respondent company for $}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 1,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
040.30 which he found to be the balance owing, having regard to events which had happened after the proceedings commenced. The present appeal seeks to enlarge the award of damages and to attack the award on the counterclaim. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 In view }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  limited nature }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  argument on the appeal we will confine ourselves to the recital of facts relevant to each ground as w
e come to it. For the better understanding of the grounds}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 however, as expressed in the notice of appeal, it is necessary to say that the bill of sale securing the balance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 purchase price did not provide for payment of interest in the usual straightforward way. It might be mentioned that the balance purchase price was adjusted with reference to the allowance on a vehicle traded in. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The amount secured}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  then was $4}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 345, together with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 a sum in lieu of interest thereon (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid4747443 hereinafter}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4747443\charrsid4747443  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid4747443 called}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  "the additional sum") fixed at $1,305."}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 We now}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 set}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 out}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the grounds of appeal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  having deleted therefrom certain matters which were abandoned by Mr Nagin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  counsel for the appellant. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
"1. That the learned Trial Judge erred in law in determining the quantum of damages for the Appellant. 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
2. That having regard to the evidence adduced the Learned Trial Judge erred in law and in fact when he declined to make the declaration sought by the Appellant regarding the sum "the additional sum" of $1.303.00: 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
3. That having regard to the evidence adduced the Learned Trial Judge erred in law and in f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 ct in finding:
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 (a) ........................................ 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid12980703 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 (b) There was no unlawful detention }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  motor vehicle after the alleged tender or otherwise."
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par The reference to the declaration sought is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  prayer (e) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  amended statement of claim which seeks a declaration that the additional sum is "harsh, inequitable, void and unenforceable". }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 As argued}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  Ground 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  was concerned only with an issue framed by the learned Judge in his judgment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  thus: }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid7565129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 1}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . Was the Triumph a new vehicle when sold to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 plaintiff by}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  the defendant on the 30th May}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  1977." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The learned Judge found that it was not in dispute that the respondent company advertised and sold the car}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 as a new}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 vehicle}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  nor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the appellant was the first registered owner }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  car. He found also that the car had been in bond in Fiji for about 17 months before it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 was sold to the appellant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  the mileage shown on the speedometer was 190}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  and there was evidence that the Customs had shifted the vehicle from time to time. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The learned Judge had no doubt that for the purposes }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  motor retail trade the car was a new vehicle when purchased. He relied on a passage from }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 Morris}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid2911786\charrsid2911786  Motors}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786  Ltd. v. Lilley}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1959) 3 All ER}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  737 at 739, as follows: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid7565129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144 "I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 therefore prefer to take as the simple test }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 of when}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  a car}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 is new}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 simply}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 this: that it remains new even when it leaves the manufacturers hands, until it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 is made the subject of a retail sale by a distributor or dealer, it is registered with the local county council}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  number plates are put on it and it is driven away by the purchaser." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Mr Nagin submits that this case is distinguishable in that it was concerned}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786  w}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 ith relations }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
etween manufacturers, dealers and distributors and also }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 wi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
th the arrangements between such persons concerning the warranty which accompanies new cars. Hence the authority is limited to what is a new}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 car}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "for}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the purposes }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  motor retail trade"}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  which is what the learned Judge found. Whether a purchaser is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 ound in a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ll}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  circumstances by the views of the trade may not necessarily fo}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ll}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 ow. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 We do not need to decide that question. The car was sold as new and with the usual warranty for the usual period}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  which was incidently taken full advantage of. It had never }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
een sold or registered before. The fact that it had run rather more miles than would be normally anticipated has not been shown to be a source of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 amage; even if the effect of the Morris Motors case is put on one side, we think that the mileage factor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  as a matter of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 degree}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  would be insufficient in the circumstances to disentitle the respondent company to offer the car for the sale as a new one. Certainly the appellant did not establish paragraph 7 }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 of his}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  statement }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 of claim}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  that the representations were made fraudulently. There is no merit in this ground. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 We proceed to Ground 2. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 It is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 a matter which caused the learned Judge considerable difficulty. He stated that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
he had "moral qualms" about it, but that legally it appeared to be in order; we interpret the moral qualms refe
rence as meaning that (at least in the events that occurred) the provision resulted in an exorbitant rate of interest having been paid. The principal, together with the additional sum, was payable by monthly instalments of not less than $156.90, but if de
fault }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 were}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 made in payment of any sum when due the full amount of the balance became due on demand. In the result, as the learned Judge }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 points}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  out, though, if the repayments continued over the full contemplated period, the rate of interest (under whatever guise) would be reasonable, default made earlier could result in an exorbitant rate. 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The record of the appeal does not indicate that any detailed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid9650726\charrsid9650726 sub}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid9650726 missions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  were made to the learned Judge that there should }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 b}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 e interference in the matter on equitable principles. The statement of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
claim lays no foundation for it, except}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 to the extent that the declaration we have mentioned above is sought in the prayer. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 There was reference in argument, however, to one document. a letter of 28th June}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  1977}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  from the responden
t company to "M/s. Raghwan Construction", which we were informed was one of the documents put in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 y consent. It reads: 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid7565129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "28th June}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  1977. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 M/s. Raghwan Construction, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 P.O. Box 3661}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 SAMABULA. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Attention: Mr Vijay Raghwan. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Dear Sir}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid13656943 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  Interest }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid13656943 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Please be informed that you will be allowed a rebate on interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 if the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  Bill }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 of Sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  on your car is paid off }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid2911786\charrsid1521324 before}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  the final date. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Yours faithfully, 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 Motor C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid2911786 or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786 poratio}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid2911786 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid2911786\charrsid2911786 of Fiji}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid2911786  Limited. 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 S. S. REDDY 
\par Accounta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 t 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The learned Judge said, considering this letter}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 -}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "as I have mentioned, this letter }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 was not addressed to}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 and the express terms }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  bill of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
sale indicate a sum agreed to be paid "in lieu of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid6706916 ".}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid6706916\charrsid6706916  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid6706916 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 With respect we do not think that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the fact that the letter was written to what
 is described as the appellant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 s company(}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 t}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 his}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
is not denied) should make any difference. We were informed from the Bar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
was part of the negotiations leading up to the Bill of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Sale. It was written two days }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604\charrsid1521324 before}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  the Bill }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of Sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  was signed and Mr}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Nagin now seeks to make it}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the basis}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  promissory estoppel, within such principles as were laid down in the case of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid10894604 
Central London Property Trust L}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid14224383 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid10894604 d. v. High Trees House Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 . (1947)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid14224383  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144 KB}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 130. There are at least two difficulties. One is that there is no such pleading. The second is that in our view the proper construction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  letter is that it is intended to apply to a normal voluntary early repayment, not to a case of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 default and enforcement }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 f the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  security. There was no }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 submission}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 efore this Court that the letter operated as a defeasance and the ground of appeal that the Bill of Sale was void was abandoned. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 In evidence the appellant merely said that he received the letter referring to an interest rebate. He had spoken to the defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid1521324\charrsid1521324 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 s accountant and the idea was to obtain a rebate }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 if paid}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 off earlier}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
. In the circumstances and in the absence of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
pleading we think this matter is altogether too vague to be a successful ground of appeal. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The matter of the "additional sum" was argued on the grounds that it was a penalty or was otherwise so harsh that equity would interfere to reduce it to the equivalent }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  reasonable rate of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 interest. We will refer to two cases}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 one early and the other comparatively recent}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid14224383  - }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 on this }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 subject}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . The first is }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid10894604 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid10894604\charrsid10894604 Protector Endowm}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid10894604 en}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid10894604\charrsid10894604 t Society v.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid10894604  Grice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1880) 49 LJQ}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 B 812. The headnote reads: 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid4549536 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Plaintiffs having advanced}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid14224383 \'a3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
501 to A., took from A. and the defendant their joint and several bond conditional for the payment for five years of quarterly instalments o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 f \'a3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 3l.l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 s., with a stipulation that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 if}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
default should be made in payment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 ny instalment the whole amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 
of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  unpaid instalments should be paid immediately. Default having ben made, the plaintiffs sued }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid14224383 f}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 or th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  whole amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid14224383 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 Held (reversing the judgment of Bowen, J.), that the st}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 pulat}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid10894604 io}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 n was not by way of penalty, and therefore, that the plaintiffs were entitled to recover." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 These simple facts are very close to the present case. Interest had clearly been absorbed
 into a total principal amount which was payable by instalments. Cockburn C.J. said at p.813 ".........that which is sought to be treated as a penalty is really an essential part }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  contract which both parties intended should be performed.......}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid14224383 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 take it as clear that if a given sum is advanced, to be paid by instalments, with a stipulation that if one instalment is not paid the whole sum is to become payable, that stipulation is part of the contract and not within the rule as to penalties." He w
e
nt on to say that the distinction was between the cases where the sum mentioned is obviously mentioned for the purpose of enforcing morally, but not legally, the primary obligation; then it is a penalty which cannot be enforced. He described the stipulati
on as "an alternative right on the part of the lender to enforce payment of the amount at once, the payment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of which}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 , if there had been no failure to pay the instalments, would have been spread over the agreed period". Brett L.J. at p. 815 said}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  \endash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 The contract is for certain consideration}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 as to the extent or meaning of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 which I do not enquire." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The second reference is to the case of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid14224383 
Wanner v. Caruana}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  (1974) 2 NSWLR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  301. The first part of the headnote reads: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "Pursuant to a contract for the sale }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  farm}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 the purchasers gave the vendors a mortgage back over the land and a bill }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 over the stock to secure payment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of part}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  purchase money on deferred terms. Both mortgage and bill }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  contained a clause relating to payment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of principal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  and int
erest with a proviso "that, in the event any monthly instalment being in default for fourteen days, the whole }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  balance }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  principal sum and any other moneys due hereunder with interest thereon at the rate often dollars per centum per}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid14224383  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 annum shall in the case of such default immediately become due and payable for the balance of the term. 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
The purchasers made default in payments of amounts due by them under the mortgage and the bill of sale. 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 In proceedings by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604 v}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 endors for specific performance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  contract, the vendors sought, inter alia, a declaration that the proviso did not constitute a penalty. 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid14224383 Held}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 : (1) The proviso was void as being a penalty, because it did not purport to quantify in an aggregate sum the amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of interest}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 which would accrue during the agreed term of the loan. Instead, it purported, upon default by the mortgagors, to make them liable to pay interest unearned and unaccrued and referable to a period when the vendors would have, in consequence of the default,
 recovered the full amount of the balance of the purchase price." }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 In essence the question was whether a provision which rendered future unaccrued interest for the next five years payable upon default }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604\charrsid1521324 of payment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
n instalment was void as a penalty. Street C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 J. said}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 ,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  at p. 303}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 " }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
.........}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 it is relevant to bear in mind that the mortgage and bill }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid10894604\charrsid1521324 of sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  were given simply and solely to secure the outstanding balance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  purchase price }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 farm. It is also relevant to note that neither the mortgage nor the bill }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604\charrsid1521324 of sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 purported to quantify in an aggregate sum the amount of interest which would accrue during the agreed term of the loan." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Having referred to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid16649601 Protector Endowment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  case and some intervening authorities Street C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . said at pp. 305-6:}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
"In the present case there was no commercial advantage to the mortgagees from the mortgage running a full six-year term as distinct from terminating, as it did, within one year of its inception. This mortgage was simply a document which provided for pay
ment of the principal debt by instalments, and provided for future interest to accrue peridically throughout the six-year term. The falling in of the mortgage debt prior to the expiration of the six-year term might have occurred within a month}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  a year or five years of the initial date. The lumping together of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 unaccrued interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid10894604 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 and the imposition upon the mortgagors of the burden }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 of making}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  that payment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid16649601 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  appears to me to bear no relationship whatever to the loss which the mortgagees might suffer by reason }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  mortgage falling in and the mortgage debt being repaid to them prior to the expiration }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  six}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid1521324\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
year term. There is a significant difference between the facts }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 of this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 case and the facts in the two High Court cases I have referred to; the approach taken by the High Court in each }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 of those}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  cases shows the consequence in point }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 of invalidity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 of that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  significant factual difference. The present mortgage has, in this respect, the hallmarks of a stipulation in }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid16649601 terrorem}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
designed to force the mortgagors to adhere to their bargain, and I do not see that this provision has any of the ingredients of a genuine pre-estimate." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 However, Street C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 J.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 went on to make two observations both pertinent in the present case. First he said that he did not regard the case as falling within the type of provision in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid928314 Protector Endowment
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  case and said: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 
\par }\pard \ltrpar\ql \li284\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid3551301 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid16649601\charrsid1521324 If the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  mortgagees had stipulated for a single lump sum premium or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 an aggregation of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 interest 
at the outset to be paid by instalments throughout the term, then it might be that the mere form of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
such a document would render a challenge on the ground of penalty difficult. But that is not this case." 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1521324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The second comment by Street C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . was a reference
 to section 93 of the Conveyancing Act, 1919}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 which he said had no parallel in England. It has, however, a parallel in Fiji in section 72(2) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  Property Law Act}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  1971. The sections provide that in the case }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 mortgage the mortgagor has a statutory right to pay }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 off the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid16649601\charrsid1521324 principal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  before it is due for payment, but must pay}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 on the principal for the unexpired term of the mortgage. Street C.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
. said that the section apparently proceeded upon the basis that the obligation on a mortgagor to pay presently unaccured interest was regarded as acceptable by the legislature. He thought, however, that such an inference provided far too weak a basis for
 treating as valid a bargain which would otherwise be void as penalty. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Having considered this matter with care, we incline to the view that the Bill of Sale, as drawn fell within the principles enunciated in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f0\fs24\insrsid15862837\charrsid928314 Protector Endowment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  case. The "additional sum" can be assumed to be interest under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 another name, but}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 was, as Street C.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid16649601 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . said, "an aggregation }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 of interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  at the outset to be paid by instalments". As such it was an essential part }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 contract and not merely minatory, to use the wording of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Cockburn C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 J}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . It follows that we do not regard the provisio}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid928314 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
 as a penalty. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 
\par If we}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  are wrong in our approach to the question of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
onstruction we would still be of opinion that this Court should not interfere. Section 72(2) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15026144  Property Law Act}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 971}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid1521324\charrsid1521324 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  at least s
upports the inference that it is not always to be regarded as harsh and unfair to require payment of interest for the unexpired protion of a term. No evidence has been brought as to where the commercial advantage lies and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid16649601\charrsid1521324 how such}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  matters are regarded in the motor industry}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid928314  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid928314  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 whether in fact an agreement prima facie fair becomes the reverse by reason }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  provision for accelerated payments on default. The matter was never properly or fully ventilated in the Court below. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 The third and last ground }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid2911786 of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 ppeal
 challenges the finding }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  learned Judge that there was no unlawful detention }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid16649601 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 y the respondent company of the car. Again there was no proper pleading to this effect. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 learned }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 Judge considered the facts in relation to an allegation that there was an illegal seizure }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid4212519 of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324  car. He came to the conclusion that the appellant never made a valid tender of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 
alance of the purchase price}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  which was easily calcula}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid928314 ble}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 . Had that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 een done the learned Judge had no dou}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid16649601 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 t that the payment would have }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid15862837\charrsid1521324 een accepted}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  no dou}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 b
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324  the result}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 the car would have }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 een returned. We agree with the learned Judge in his conclusions and do not deem it necessary to exa}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\fs24\insrsid16649601 mine the matter further.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837\charrsid1521324 For the reasons we have given the appeal is dismissed with costs. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid15862837 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid16649601\charrsid1521324 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\insrsid15862837\charrsid16649601 Appeal dismissed. 
\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
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffffffffffffec69d9888b8b3d4c859eaf6cd158be0f000000000000000000000000d0e9
40b099e3d001feffffff00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000105000000000000}}