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09-29-11
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 APPEARANCES: OBERMAYER, REBMANN, MAXWELL & HIPPEL, LLP BY: WALTER W. COHEN, ESQUIRE and KEVIN J. KEHNER, ESQUIRE FOR - OBJECTORS MCNEES WALLACE & NURICK, LLC BY: KIMBERLY M. COLONNA, ESQUIRE and ELIZABETH P. MULLAUGH, ESQUIRE FOR - EXECUTOR OF THE ESTATE OF LOTTIE IVY DIXON SAIDIS, FLOWER & LINDSAY BY: DANIEL L. SULLIVAN, ESQUIRE FOR - MARSHALL L. DIXON, Individually STEVENS & LEE BY: MARK D. BRADSHAW, ESQUIRE FOR - M&T BANK 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 INDEX TO TESTIMONY FOR OBJECTORS EXAMINATION Marshal L. Dixon, as of cross By Mr. Cohen 40 By Ms. Colonna 65 FOR EXECUTOR DIRECT CROSS REDIRECT RECROSS Marshall L. Dixon 70 87 89,100 95 INDEX TO EXHIBITS FOR EXECUTOR MARKED ADMITTED Ex. No. 6 - photocopied checks 72 113 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 P R O C E E D I N G S THE AUDITOR: Preliminarily for scheduling purposes, there will be about a 15-minute recess this afternoon from about 3 to 3:15. I just wanted to alert everybody to that. And I think then if -- my matter of first concern is in Paragraph 11 of my most recent directive -- and I would address that to counsel for the parties whom we have come to call, throughout this evolution, the brothers. We discussed this at some length at the first prehearing conference that we had, and I really have serious concerns about what is stated in that paragraph. I can point out that -- and I'm sensitive to the fact that present counsel for the brothers have only been recently involved in this case and were not present at prior proceedings. And they should be aware that prior counsel for the brothers conceded at a previous prehearing conference that they would not have evidence that Lottie was subject to incapacity or undue influence during her lifetime. MR. COHEN: Thank you, Mr. Shade. And for 25 I the record, I am Walter Cohen representing, what is 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 referred to as, the brothers. We fully recognize and understand the concerns about myself and our law firm coming in at this stage of this proceeding where there has been a lot that has transpired, obviously, and where I think the parties and you, Mr. Shade, have been thinking that the matter is about at its conclusion. Basically our concern does address what you are asking in Paragraph 11, and it goes to the question of whether on that particular account, which is, of course, a significant part of this case, there was actually joint ownership as opposed to whether Marshall had the right to sign the checks to assist his mother in the context of the confidential relationship. But it is clear to us from correspondence that we actually just discovered last night, but from Stan Smith at Rhoads & Sinon, that Mrs. Dixon did not intend for Marshall to have ownership of the account to the extent that the account would pass to him on her passing but rather a limited Power of Attorney to be able to assist her in writing checks in the account and all of the money that went into the account was from her. 25 I So we initially do not accept the position 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 that this was a joint account with joint ownership on the part of Mrs. Dixon and her son, Marshall. THE AUDITOR: Well, I want to -- and I understand what you're saying there, and I want to keep an open mind here. In spite of what you may think from my directives, I haven't drawn any conclusions. But I do want to give you a heads up as to what my thinking is so that you can present your evidence in a way to address my concerns. And the thing that occurs to me is we're dealing with intelligent people here, and in the back of my mind throughout this, I'm going to be saying, well, if the brothers had concerns about what was going on between Marshall and their mother, where were they in all this time during her lifetime? And so I'm going to want to -- I mean, presumably if you're taking this tact then, I would think you would have evidence of the signature cards that she signed that would explain what that ownership was and it would tell us when that account was set up in a joint arrangement, whatever the arrangement was. And I'm going to be somewhat skeptical about these claims if the brothers basically sat on their hands and let this arrangement continue for a 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 long period of time and now, you know, want to rewrite history after Lottie's death. I do have serious reservations about that. So I just want you to know that those are serious concerns that I have. MR. COHEN: Well, I appreciate that. But at the same time we're not suggesting that the fact that Mrs. Dixon had asked Marshall, who was l~ving with her in the house, to assist her in signing checks for her support, that in any way that relates to who ultimately owned what was in that account and it is not to give her -- it is not her giving him authority to write any check he wants for his own support or for any other purpose. THE AUDITOR: Well, and I think if you were to present a signature card that showed that it was strictly a limited Power of Attorney arrangement, then I think you've got something there. But if we see documents in connection with the account that actually document joint ownership, then I have serious problems with that. MR. COHEN: Well, the problem we have, as you know, is our coming into this case after discovery is closed. And we are, as we understand it, limited to the facts and the information that has been produced through September 30th which is why we sought 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 to have a 30-day postponement in order to be able to have a more coherent presentation. THE AUDITOR: And I'm not insensitive to that either. But the fact of the matter is, if you were on the other side of this courtroom, you'd be saying the same thing these people are saying. You know that. And that's the problem I have with that. I don't have any hesitation that if this were a year ago and you were asking this, that it would be an appropriate request. But, you know, presumably the brothers -- the brothers had counsel throughout this, and it's not as though they weren't represented or anything like that. And somehow or another that attorney and client relationship was terminated. I don't know how it was, but it was. And I think that it's just unfair, really, to ask the other parties who have been twisting in the wind over this case for a long time to acquiesce in that request. Again, I'm repeating myself, but the request standing alone is very reasonable in isolation. But in the context of the time that has elapsed between the filing of the objections in this case and today, I just don't think that it's reasonable. And I've made the observation that there 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 may be other avenues that the brothers have to address some of these concerns outside the context of these proceedings, but that's another issue for another day. And I must say, it's hard for me to imagine how, in the present posture of the case, you're going to be able to persuade me, frankly. MR. COHEN: Well, I recognize that from the activity that has taken place as late as the Order of the Court yesterday, and I don't question that if I were on the other side I'd probably be saying the same thing. Yet that then brings it to you to make a decision based upon their representations and our representations. And to the extent that this is a court of equity, it seems to me that equity should at least give the brothers the opportunity to be able to do what I think you recognize would be an approach that, yes, should have been taken many months, if not a year ago, but the failure of other counsel to take that approach should, I don't think, throw them out of court. THE AUDITOR: Well, I guess I would have to say that under the circumstances and with the amount of time that's elapsed, I would have to respectfully disagree with that proposition. And so with that, I 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 guess, let me see -- MS. COLONNA: Mr. Shade, can I respond to your question about the relevance of the brothers' evidence? THE AUDITOR: Yes. Go ahead. MS. COLONNA: And I will do my best to respond only to the question of relevance, not the question of, you know, undue or unfair surprise and inability to defend. And I'll apologize now if I leak: into that argument. But essentially throughout this case there's been no dispute that this was a joint bank account. That has never been raised as an issue. That was never identified in any discovery response as a concern by the brothers or the bank. And under the Multiple Party Accounts Act, the sum remaining in the joint account belongs to the surviving party unless there is clear and convincing evidence of a different intent at the time the account was created. I think that if you look at the exhibits that the brothers have proposed and you look at the exhibit list that the brothers have proposed, there's just no way that they could even produce relevant evidence to that effect. They don't have Stan Smith; 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 they apparently have a memo. They don't have anyone else at Rhoads & Sinon. They, themselves, were not around when the joint account was created. This is just going to be essentially a wild goose chase where at the end of the day whatever evidence you hear is not going to be probative of the ultimate issue. And I guess the other part of this, aside from the joint account, is the brokerage account transfers. And there you have Mrs. Dixon's signature on the transfers, to a great degree, and they don't have an expert to say that's not her signature. They've waived undue influence. So I don't understand how their evidence can possibly show that there was theft. So, again, while we can hear all that evidence, it's not going to lead to anything that is probative on the issue that's before the Court. They have asserted that this was theft. None of the evidence they've proposed to submit really gets to that issue. THE AUDITOR: I think essentially I would agree. But we're all here, and I think I want to let them have some, whatever opportunity that they think they can develop to present a case, and we'll see what 2 1 2 3 4 5 6 7 8 9 10 11 12 I3 14 15 16 17 18 19 20 21 22 23 24 25 MR. COHEN: Mr. Shade, if I may, what we propose to do is not take up any extensive amount of time, yours and all the other lawyers, and Mr. Dixon is here, but rather to introduce into evidence the transcript of the deposition of September 23rd that was taken of Marshall Dixon where you will see where he, I think, indicates in a number of different instances that payments that were made out of the account were payments that he could not say whether they were gifts or whether they were reimbursements for expenses for his mother. And I think given the relationship that he had with his mother -- and we unfortunately, we will introduce this letter, which, as I said, we've just discovered because we've only had a few days to prepare for this from Stanley Smith where he indicates that it was a limited Power of Attorney that was offered and that Mr. Dixon did not have ownership, and to essentially ask you, in your role as auditor and as advisor to the Court, to take all of that under consideration in the context of essentially establishing that Marshall Dixon was in a confidential relationship with his mother and where the only evidence that the money that was paid were possibly 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 gifts for him, that that does not overcome any assumption that it was legitimately payments that she wanted to make for him and that, therefore, those payments should go back to the account and back to the Estate. THE AUDITOR: Well, without even hearing an objection from the other side to this letter from -- it's hearsay so obviously. And I just don't see how I could consider that even if it were accompanied with a signature card for the account or whatever documentation was utilized to set up that account because you can't obviously cross-examine that piece of paper. And we discussed this whole issue about these checks at some length at a previous prehearing conference, and it was in that context that counsel for the brothers conceded that there was no evidence of undue influence. So what difference does it make if there were a confidential relationship or not? If they conceded that they didn't have any evidence that Marshall took advantage of whatever relationship he had with his mother, then, you know, I guess I would have to say to that, so what? Even if I were to find that all these 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 checks that Marshall couldn't explain were gifts to him, again, where the supposed foundation for the relevance of that was, in this case initially in the objections that were filed, was that it had something to do with allocation of death taxes among beneficiaries, and that objection has been withdrawn. So assume that every one of these checks were gifts to Marshall from his mother. So what? If they were gifts, then they're not estate assets. That's the problem I have with this whole thing. I am totally sensitive to the difficulty that you have here. It's not your fault that you were brought in here at the 11th hour. But, frankly, I think the deposition of Marshall should have been taken long before it was in this case. So how can I let these people twist in the wind any longer? That's the problem I have with it. If I'm wrong and if I make Judge Oler wrong and we get reversed, well, okay. But I just don't -- it's very troubling to me, I must say. If there were any shenanigans going on here, certainly I would like for competent counsel to have an opportunity to illustrate that. But I think: they did have an opportunity to illustrate that, and I think they failed in that endeavor. 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 And so I just can't say, well, because the relationship between the brothers and their former counsel ended for whatever reason that I don't know, that somehow or other these people should have to suffer for that. And now I'm repeating myself which I don't like to do. But I know if you were on the other side of the court, you would be saying the exact same thing, so what am I supposed to do? MR. COHEN: I guess I would respond to that -- and I'm not here to defend the mistakes of others; nor are you, I recognize that. But as far as what is the cost of the delay, if the estate is settled, when the estate is settled, what is left goes into a trust which pays, pays the interest, the income for a period of ten years before it is then distributed to the four children so that I think you need to weigh what you might call the cost, whether it's a financial cost or a psychic cost to that delay. And that is why we were seeking, through the petition that we filed, a remedy that would once and for all address this in a way that we're not able to do at this time, that Marshall, in any event, is not able to do, nor should he be charged with basically investigating his own activities, and that 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 that would put the matter to rest one way or the other. Otherwise, then you are correct, we need to seek some other recourse to be able to see if this matter can be addressed outside the context of this case. THE AUDITOR: Well, I think that the cost would be substantial because I think it would open up a can of worms here that will linger forever. And I'm really skeptical that -- I mean, I'm not going to change my mind; I can tell you that. But for the record, I'm really skeptical that at the end of the day, especially if the brothers sat back for however long it was and allowed this state of affairs to continue, they -- I mean, if you take all of the allegations in the Petition for Administrative Pro Tem at face value, you're saying that the brothers knew all along that Marshall was misbehaving, and where were they? They could have gone and petitioned to have their mother adjudicated or something, have some sort of a guardianship appointed or whatever. They didn't do any of those things, and now they want to come in here beyond the 11th hour and try to rewrite history. And I would have real problems with the credibility. 7 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Even if we delayed this thing and you were able to come in here with all this evidence, I would still have serious problems with that, and especially in the context of a circumstance in which prior counsel conceded that there was no evidence of undue influence here. MR. COHEN: Was that concession -- and I show my ignorance but hopefully not lack of interest or preparation, but was that an on-the-record presentation? THE AUDITOR: It was enough on the record that we were in the context of a prehearing conference and then it was memorialized in a directive that was, to my memory, endorsed by an Order of Court. So I would say yes, it is on the record. And so I'm handcuffed by that. MR. COHEN: Well, I don't doubt it if you say it was in a directive that you issued. THE AUDITOR: It was a prior directive to the one -- MR. COHEN: I understand that. And I think if there was only one, I think I have it, and I did not see that there. But I also don't have an Order :~ the Court that addresses that, if there was one. I'm not saying that there wasn't. 8 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 THE AUDITOR: Let's go off the record for a minute. (Discussion held off the record.) THE AUDITOR: While we were off the record, I believe we established that the concession of the brothers, that they could not prove that Lottie was subject to incapacity or undue influence during her lifetime is a matter of record in this case in that it was included within my report to the Court, my report and recommendations to the Court on the issue of discovery, delay for further discovery, and was endorsed by an Order of -- what was the date of that Order? MS. MULLAUGH: The report was dated November 20th. THE AUDITOR: What was the date of the Judge's Order endorsing it? I don't have a conformed copy on my computer. MS. MULLAUGH: 11/25. THE AUDITOR: November 25, 2009. So if there's no evidence of incapacity or undue influence, then, again, this whole confidential relationship thing just seems to me to go out the window. MS. COLONNA: Well, in counsel's latest prehearing filing also suggests that they intend to 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 prove theft, fraud, deception or misrepresentation. So to the extent we had any time to respond to that -- I think that assertion was made eight business days ago -- we're prepared to defend that. And now we're not prepared to sit here and hear evidence of undue influence which we understood three months ago was not going to be presented. We don't have the witnesses. We don't have the documents. The other thing I'll just say just so that no one accuses me of waiving an argument, is I don't see how Marshall's deposition transcript is even admissible. And to the extent he contradicts something in there today, that's certainly admissible. But this was a deposition taken in discovery, not for use in trial. I don't even know how that document comes in. THE AUDITOR: I think that's a good point. But I don't know; I have not read that deposition. I don't know what's in it, but it's hard for me to imagine there would be anything in it that would be of any value to us. But having not read it, I can't say one way or the other about that. I guess -- I mean, we're here on -- we're here within the bounds of what was set forth in the 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 most recent directive. And I think that objection would be well taken but it would not prevent, at the same time as a practical matter within the scope of what we're here for today, I don't believe it would prevent the brothers from calling Marshall as on cross examination and replowing that same field. And so it would seem to me we would have the option of doing that or you're simply acquiescing in the introduction of that deposition. I will leave that to your thoughts because we apparently still have a few more minutes to think here. MS. COLONNA: And I'll certainly consider that, but obviously I would not want to suggest that then we not have the right to follow up with, what I guess would be essentially, direct of Marshall because obviously we didn't do that at the discovery deposition. But I'll think about it. THE AUDITOR: All right. And I would observe also on the record that this hearing was to convene at 9:00; it's about 9:36. But I do not ascribe any fault to the fact that the brothers are not here because apparently we have an accident on Interstate 81, plus there have been some probeems getting into the courthouse this morning. MR. COHEN: One of the brothers is here. 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 THE AUDITOR: And apparently just moments ago Mr. George Dixon, III entered the hearing room. MR. COHEN: I think we have a choice here. We would call, and we're prepared to do it, Marshall Dixon as on cross and I can ask him all the same questions in a deposition that took most of the day and see what the answers are or submit that as a deposition for what you would determine it is worth. THE AUDITOR: And I would ask counsel for your response to that proposal. MR. COHEN: Or we can take a break. THE AUDITOR: Do you want to take a short break? MS. COLONNA: Sure. THE AUDITOR: All right. How much time do we need? MS. COLONNA: I only need five minutes. THE AUDITOR: Fine. Off the record. (A brief recess was taken.) THE AUDITOR: We're ready to go back on the record. MS. COLONNA: In response to the question regarding Marshall, using Marshall Dixon's testimony instead of having Mr. Cohen examine him as a witness, I think there are a couple of procedural problems with 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 that. One is that we reserved all objections to relevance, hearsay and everything else except to the form of the question at the deposition. So if Mr. Cohen can propose some way of dealing with that, we would be interested in hearing it and considering it. The second issue is at this point, I am, frankly, uncertain of what case the brothers, George and Richard Dixon, are intending to pursue. I don't are they intending intending to prove intending to prove clearly have some and not in the -- still know, even as I sit here now, to prove theft or are they undue influence or are they something else? Because that will Height on what I consider relevant THE AUDITOR: Well, you don't need to even state your grounds for objection to that procedure. If you object at all, I would sustain it because of the observations that you make which were the same that occurred to me because there's certainly a great deal of difference between a deposition that is taken for the purpose of use at trial and a deposition that is taken for discovery. And that clearly I believe was a deposition that was taken for discovery, although I have not seen it. 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 And so certainly it would be anticipated that you might have lots of objections within this context that would not have been even appropriate objections in a discovery deposition. So on that basis, I guess then if counsel wish to call Marshall Dixon as on cross examination, I think we should be ready to proceed. MR. COHEN: Just a moment. MR. SULLIVAN: Mr. Shade, are we still in the procedural discussion at this point because I'd like to address you and counsel if we have that opportunity before you begin to take evidence. THE AUDITOR: That's fine. Just wait a minute. Go ahead and do whatever it is you need to do, and let us know when you're through and then Attorney Sullivan will have some remarks to make for the record. MR. COHEN: Well, he can -- THE AUDITOR: Are you satisfied to let him talk? MR. COHEN: Yes. THE AUDITOR: Go ahead. MR. SULLIVAN: Thank you. I want to make clear that I believe what has been discussed up to 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 this point at this hearing all pertains to the objections that have been filed in the case of the Estate of Lottie Dixon which is docketed at Number 21-07-0686. As you know, I represent Marshall Dixon individually in another case, and that is the case, In Re: The QTIP Trust Under Agreement with George F. Dixon, Jr. which is docketed at Number 21-94-0754. That case has also been called for hearing today in conjunction with the other case. Based on what has developed through the course of the proceedings, it's my intent not to present witnesses or exhibits today, but I want to make sure it's clear on the record the background that has led to that so that there's no confusion going forward and in the event someone else is reading this and trying to make decisions about it. Mr. Shade, as auditor, you submitted a directive to the Court last week which has now been adopted by Judge Oler as to Order of Court. And I would like to expound on several of those paragraphs so that it's part of the record today. And what I have to say, again, is with respect to Docket Number 21-1994-0754. Marshall Dixon individually initially raised four objections to the 5 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 account that had been filed by the cotrustees. The cotrustees of the QTIP trust are M&T Bank, George Dixon and Richard Dixon. We've been referring to George Dixon and Richard Dixon as the brothers. The first objection that Marshall raised was set forth in Paragraph 14A of his objections which objected to the cotrustees' proposal that certain real estate and cash be held in the trust on a going-forward basis and that George and Richard be the trustees moving forward. That objection has been resolved on the basis that the cotrustees of the QTIP trust have now agreed to distribute all of the trust assets including but not limited to the real estate and the cash to the designated beneficiaries pursuant to the terms of the QTIP trust and that the QTIP trust will be terminated. I also understand that the cotrustees have agreed to file a Revised Schedule of Distribution that reflects that. Because of that resolution, because of that agreement by the cotrustees, the objection that Marshall set forth in Paragraph 14B is rendered moot. The objection that Marshall set forth in Paragraph 14C was resolved during discovery and is not being pursued by Marshall. The objection set forth in Paragraph 14D is rendered moot because of the 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 cotrustees' agreement to distribute all of the trust assets and terminate the QTIP trust. There was a set of objections raised in prehearing memorandum with respect to trustee fees, and Marshall has agreed that he is not pursuir_g those claims so that at this juncture, as far as I am concerned, the objections with respect to the QTIP trust have been resolved and that there is nothing further to be resolved at this hearing and those matters can be reflected in your Report and Recommendation on Final Disposition to the Court. THE AUDITOR: Thank you, Attorney Sullivan. And that certainly is consistent with my understanding, and that simply is stating in greater detail the import of what was intended to be stated in summary and conclusory fashion in Paragraph 13 of my most recent directive. MR. BRADSHAW If I may be heard very briefly, Mr. Shade. THE AUDITOR: Yes. MR. BRADSHAW: I concur and agree with what Mr. Sullivan has said, and that was our understanding as we came here this morning. We are here in an excess of caution just in case somebody needed us. But it was our understanding that the objections to 7 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 the QTIP trust had been resolved. And appearing on behalf of M&T Bank as the institutional fiduciary recognizing the Court Order that was entered yesterday afternoon, it certainly is our intention to file a Revised Schedule of Proposed Distribution that reflects inter alia resolution of what I think has been the primary point of disagreement up until now, most specifically the distribution of the real estate in kind. THE AUDITOR: And I would add to that that it occurs to me -- and I would accept any comments that you may have to this observation -- that it might be appropriate to defer filing that statement until after I have generated my report of these proceedings. MR. BRADSHAW: That makes sense to me. I believe that there is at least one thing everyone can agree on, and that is that the parties have reached an agreement that the real estate should be distributed in kind to its tenants in common and that the remainder of the assets should be distributed pro rata subject to expenses and fees, offsets and things like that, which we've reserved for another day. THE AUDITOR: Exactly. And that's the point, part of the point of that right there. Some of those reserved issues, and, frankly, issues that 8 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 involve my fees as auditor and so forth, may have some bearing upon that distribution, especially in view of what I understand to be representations that the estate does not have much left in the way of liquid assets. MR. BRADSHAW: Right. And if I could just expound slightly and see to it that we're actually communicating effectively here, what we had contemplated in our last prehearing conference, if my recollection is accurate, is that the fees and expenses of not only the auditor, the stenographer, various attorney fees and so on will be reserved until this phase of the proceeding was concluded. And so if I understand what you're suggesting, which is certainly fine with the bank, what we would do is wrap the distribution of the real estate into a Schedule of Proposed Distribution that would follow the adjudication of this phase of the proceedings and would include itemization of the fees and other charges. THE AUDITOR: That's only partially correct, sir. A11 issues regarding liability for attorney fees incurred by the parties in addressing the various objections have been deferred and reserved for later disposition under Paragraph 20 of my most 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 recent directive, but there was never an agreement to defer claims about my fees as auditor. MR. BRADSHAW: Right. No. We understood that that would be part of your report and recommendation to the Court at this phase of the proceeding. THE AUDITOR: Yes. I believe you stated that the auditor's fees were also reserved and preserved, and they are not. MR. BRADSHAW: Forgive me. I misspoke. MR. SULLIVAN: And, Mr. Shade, you had asked, I believe, that evidence and authorities be presented to you as part of this hearing. I don't see any evidence being germane to that issue, but I do have a short memorandum that I'll submit at the first break. THE AUDITOR: That's fine. And I will be asking for authorities ultimately regarding assessment of my fees as auditor in this phase. Does anyone else have any preliminary comments before we proceed with evidence? MS. COLONNA: Yes. Mr. Shade, I would like to make a motion that all of the brothers' evidence be precluded as a result of their failure to comply with prehearing requirement. And I'll run through them 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 quickly. Discovery responses for the brothers were due on August 24th. In one of our interrogatories, we requested that the brothers describe in detail all basis for their contention that assets were not included in the estate, and we asked them to list the specific assets and the value of each that they contended were missing. They served their responses three weeks late. They did not include an itemized list of assets. They did not describe undue influence as a basis for their contention. They did not describe theft as a basis for their contention. They did not assert that $1.5 million was missing. They did not assert deception or misrepresentation or fraud. On December 5th, the brothers' exhibit and witness list was due as part of a prehearing memorandum. No prehearing memorandum was filed on that date. There was no witness list or exhibit list provided. On January 22nd when new counsel entered their appearance, they did not promptly correct either of those deficiencies. Finally, on February 9th, they filed a prehearing memorandum that said they would call no witnesses, and no exhibits. Now, February 9th is just 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 12 days, 14 days before this hearing was scheduled to be heard. Throughout the time of the Martson firm's representation, the brothers asserted that the transfers to Marshall were unreported gifts. They never asserted that they were the result of fraud or undue influence. Then for the first time on Saturday February 16th -- that's just six business days before the hearing -- the brothers asserted in an addendum to their prehearing memorandum that the asserted transfers were the result of theft, fraud, deception or misrepresentation. That's an entirely new theory only six days before the hearing. They finally provided a list of witnesses and exhibits. They never provided a list of alleged missing assets. They newly submitted a ten-page list of nearly 400 transactions in the joint checking account. That document was entirely new; it had never before been identified. They now assert that there are $1.5 million in assets missing. That is also a new allegation. Yesterday at 3:00, the brothers' exhibits were delivered to my office for the first time, although I had requested them more than a week ago. 2 1 2 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Four exhibits on that list were not identified on the list that was submitted six days ago, and Exhibit 11 raises issues of an IRA account that is allegedly missing that has never been raised, a $1 million pool of stock and funds that has never before been raised. All of this evidence that they intend to present today was not properly disclosed during the course of discovery and during the course of the prehearing process. Under Thompson v. Houston, we request that the evidence be excluded. The nature and severity of these violations are severe. This case has been going on for two and a half years. There's simply no reasonable explanation for new evidence and theories being submitted in the last two weeks before the hearing. The prejudice to the opposing party is great. We just simply cannot prepare when we are being presented with brand new theories and evidence on the day before the hearing, literally the eve of the hearing. There is no ability to cure the prejudice by Marshall. There's nothing we can do about the fact that the brothers have continually failed in their 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 obligations in this proceeding, and the importance of the evidence that the brothers seek to introduce that we want to preclude is very small. If to the extent that the brothers are pursuing a theft claim, none of their exhibits prove theft. They've waived their claim to undue influence. So as a result, we request that, Mr. Shade, ycu preclude the brothers from putting on any evidence at all. And in the event that you determine that you are going to deny that motion, we request as alternative relief that you permit the Executor, Marshall Dixon, to prepare a defense in 60 days following this hearing and to respond with his defense after that time. THE AUDITOR: Having heard that objection, I would say that the primary problem that I have with the objection that you just raised is in the form of an e-mail that I received from you dated February 16, 2010. And in that e-mail, you stated that the brothers be permitted to present their evidence on the assets allegedly not included in the estate at the upcoming hearing. Now, that is your statement. And on the 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 basis of that statement, my directive, Paragraph 17, leaves the door open for them to do that. And so on the basis of that, I am going to deny the objection that they not be permitted to introduce any evidence whatsoever. I will permit you to renew your objections to items of evidence as they are introduced, as they are introduced, because you've made reference, certainly, to certain documents that I have nc knowledge of and haven't seen. And so I think that I will rule on those as they arise. And I also want to say, as should be apparent from Paragraph 18 of my most recent directive, that it's not necessarily a given to me that it will be necessary to even allow 60 days to present a defense and so forth because for the reason that I've indicated, I hope fairly clearly, that I have serious reservations about the relevance and the probative value of whatever is going to be introduced here today of events that were ongoing for years during the lifetime of Lottie Ivy Dixon. So I wouldn't want there to be any implication that if I didn't address this that it's just a slam-dunk given that when this proceeding is over, whether it's today, tomorrow or Friday, that I'm 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 just automatically going to allow you 60 days because I don't know that that's going to be any more necessary than it really is to hear the evidence that they're going to offer here today as far as that part of it goes. So I didn't want to lull you into any false sense of security on that issue. MS. COLONNA: I understand that. Two quick points of clarification. My email to you indicated that we would not oppose the brothers' efforts to introduce evidence on two conditions; one was that you would agree that at the conclusion of their case if a nonsuit was not granted, Marshall Dixon would, in fact, be granted a 60-day continuance in order to prepare a defense, and the second condition was that the brothers' counsel provide their exhibits to me by noon on Thursday of last week. It's my understanding that the first condition, that you will agree in advance that if a nonsuit is not granted, we would have an additional 60 days, you are withholding agreement to that until you hear that evidence. I understand that. I think that's clear. As to condition two, that was plainly not met. The exhibits were delivered to me at 3:00 yesterday afternoon. 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 THE AUDITOR: And I understand tha~, and I'm not ignoring that either. But I think since we're all here, I'm prepared to hear the evidence that they want to offer, and I think I made it fairly clear that they have a pretty steep hill to climb with me as far as persuading me in this situation. So with that -- MS. COLONNA: Can I just make one more preliminary comment? THE AUDITOR: Yes. MS. COLONNA: Can we make clear on the record what claim the brothers are pursuing with regard to these alleged missing assets? Are they, indeed, pursuing the claim today that this was a matter of theft or are they pursuing an undue influence theory or are they pursuing some other theory? I simply cannot be in a position to make relevant objections unless I understand what theory they're pursuing. THE AUDITOR: I understand what you're saying there. But, again, I think that the objections that they have preserved here are broad enough to encompass any evidence that assets should have been included in the estate that were not included in the 7 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 estate for whatever reason. And that's how I view the posture of this at this point. To me, I don't know if it makes a difference whether it was stollen or -- well, certainly they're not going to be able to introduce evidence that any assets were not included in the estate because of undue influence -- that's clear to me -- or because Mrs. Dixon lacked capacity. So that's pretty obvious to me. MS. COLONNA: That helps. THE AUDITOR: So where they're going with this, I don't know. I'll be interested to see. MR. COHEN: Mr. Shade, preliminarily, if I may -- and I think you just stated basically what our presentation will be very succinctly. But I would like to know who exactly is representing Marshall Dixon on issues related to what you just said; in other words, on issues related to assets that we claim should have been part of the estate but are not part of the estate? It's my understanding that McNees, Wallace & Nurick represents Mr. Dixon as executor of the estate. As executor of the estate, he has an obligation to carry out a fiduciary duty to protect all of the assets of the estate. 8 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 As counsel to Mr. Dixon in his role as executor, that firm has an obligation to do li~:ewise; in other words, to make sure that all assets that are to be part of the estate are included in the estate. Mr. Sullivan, as I understand it, is representing Mr. Dixon in his individual capacity. He has not addressed the issues that Ms. Colonna has addressed, and it appears that she is prepared to raise objections basically to defend Mr. Marshall Dixon in the context of whatever evidence he offers, whatever questions we ask and to raise objections in her role as counsel to the Executor of the Estate. And I think that there is a clear conflict of interest in her carrying out those duties. MS. COLONNA: Mr. Shade, these objections were raised in response to the Executor's Account, so we are here prepared to respond on behalf of the Executor and indicate why this objection is not proper. THE AUDITOR: I do not see a conflict of interest, sir, really. I think the point is well taken by counsel for the Estate because your own comment suggested that maybe they did somethin~~, failed to do something, they did something they shouldn't have done or failed to do something they 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 should have done and so forth and so on. I don't see -- I don't see how their position as counsel for the Executor is in any way opposed to the interests of the Executor, himself, individually here. I think their interests are really, I think they're congruent. I think they're the same. I don't see that there's a conflict. MR. COHEN: I just want to make sure that it is clear on the record that we do see a conflict because we are raising issues of self-dealing on the part of Marshall Dixon and those directly affect what would be the assets of the estate. THE AUDITOR: Attorney Sullivan, do you have any response to that? MR. SULLIVAN: I think Ms. Colonna's response is entirely appropriate. I represent Marshall as an individual with respect to the objections he filed to the QTIP trust. What we're talking now is objections with respect to the Lottie Ivy Dixon Trust. That's a different proceeding, a different docket number, and I think Ms. Colonna is spot-on in her observations. THE AUDITOR: What you meant to say was the Lottie Ivy Dixon Estate? MR. SULLIVAN: Yes. I'm sorry. 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 MR. COHEN: Right. We are prepared to call as on cross Marshall Dixon in accordance with the Notice to Attend that we served on him, the exhibits that he referred to and that were introduced during his deposition on September 23rd. THE AUDITOR: Proceed. MARSHALL L. DIXON, called as a witness, being duly sworn, was examined and testified as follows: EXAMINATION BY MR. COHEN: Q. Good morning. A. Good morning. Q. Could you state your name and address for the record? A. Marshall Lawrence Dixon. My mailing address is P.O. Box 6, Boiling Springs, Pennsylvania. The zip is 17007. THE AUDITOR: I can tell you already, sir, you need to speak up, please. THE WITNESS: Oh, okay. BY MR. COHEN: Q. How long have you lived at that address? A. It's been my only permanent address, but 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 I've lived in a number of places across the country. Q. Mr. Dixon, am I correct that you are serving as executor in the Estate of Lottie Dixon, your mother? A. I am. Q. Again, for the record, what is your highest level of education in terms of degree? Are you a high school graduate? A. Yes; Cumberland Valley High School. Q. Are you a college graduate? A. Yes; New York University. Q. What year was that? A. That was 1986. Q. Mr. Dixon, if New York University were to say they have no record of your having graduated in that year or any other year, would you say their records are incorrect? A. I don't know. I did master's clubs at UCLA after that, and UCLA seems to recognize it. Q. Do you also have a master's degree? A. No, I do not. I didn't complete those MS. COLONNA: Louder, please. THE WITNESS: I didn't complete them at UCLA or at Lynn University in Florida. 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 BY MR. COHEN: Q. Do you recall that you offered a deposition in this case recently? A. Yes. Q. Do you know when that was? A. I believe it was September of last year, but I'm not sure. Q. So if I tell you it's September 23rd, would that probably be correct? A. Yes. Q. Thank you. Have you reviewed the transcript of that deposition? A. I briefly looked at it after we received the copy and we approved any errors, but that was October or November. That was the last time I looked at it. Q. You did not review it in preparation for any possible testimony today? A. No. Q. When you reviewed it at that time, were there any responses that you made that you felt, in retrospect, were not accurate? A. No. Q. Am I correct that you were living at that address with your mother when she passed away -- 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. Yes. Q. -- in 2007, I believe? A. Yes. Q. Were you employed at that time? A. No, I was not. Q. What was your previous employment, the last previous employment before your mother's passing? A. I worked for G&T Entertainment. That was 2006, I believe. Q. Just for the year 2006? A. No. It was a little before that. Q. Where were they located? A. They had opened a new display room in Camp Hill, Pennsylvania. Q. What was your job there? A. Salesman. Q. Do you recall what your, roughly what your annual income was when you worked there? A. It was on a draw, and I wasn't taking -- because it was a draw, I didn't take a significant salary, and I can't remember the weekly rate. Q. I'm sorry. Could you maybe speak up a little bit louder? I don't know if you said it was or wasn't. 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. It was on a draw, and I can't -- I didn't state, I didn't tell Jerry, who was the owner of G&T which is now bankrupt, a high weekly rate because it was on a draw against future commissions. Q. So I guess the answer to my question is you don't know how much you made on an annual bass? A. Off the top of my head, no. Q. In terms of round figures, was it greater than $100, 000? A. Oh, no. It was a very small amount. I think my draw was, it could have been 300 a wee}_. I'm not sure. Q. But was that -- did you consider that full-time employment? A. No. Q. Before that, what was your source of income? A. I had a business, Hollywood Trucks, which is a registered corporation in Pennsylvania, and I had investments. Q. Hollywood Trucks was in existence during what years? A. It was incorporated, I believe, in '95. Well, it's still incorporated. It hasn't been active since '04. 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. What was your position there? A. I owned it. Q. And in that capacity, what work did you perform? A. Well, it was a corporation that I was -- there were no employees. I rented trucks. I contracted people to help me, and I rented trucks to the film industry. Q. Located in Hollywood? A. Los Angeles, yes. Q. Were you living in Los Angeles at that time? A. Not through the entire period. Q. But during part of that period? A. Yes. Q. When did you then move back to Boiling Springs? A. I think approximately 2002, but I was in Los Angeles even after that a couple of times. Q. Back and forth? A. Yes. Q. What was, if you can recall, what was your draw from that business? A. It would depend on what the cash flow of the business was at that time. I didn't take a 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 specific draw. Q. Again, can you estimate on an annual basis what your income was? A. No. Off the top of my head, I cannot. Q. Was it greater than $50,000 a year? A. I can't estimate. With a business, you have tax deductions and things, and I can't estimate off the top of my head. Q. Were you -- after you moved back to Boiling Springs, were you traveling back and forth on a regular basis to Los Angeles? A. I traveled back a few times. Q. And what resources did you use to pay for those trips? A. They were generally paid out of my Hollywood Trucks checking account. I believe I charged on credit cards, and either it was reimbursed or reimbursed myself through the corporation. Q. The credit cards were your personal credit cards? A. Correct. Q. Did you travel elsewhere during the period of time, say, from 1995 to 2007 A. Oh, yes . Q. Could you tell us where you used to travel 7 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 to and for what purpose? A. I traveled a great deal for business, and for pleasure, primarily across the West Coast of the U.S. for business. The trucks were rarely in Los Angeles. They were all over the West Coast. Sometimes -- I had a period where one was in the Bahamas for a while. They were specialised trucks for on-location filming. Q. How many trucks did you have? A. I had seven smaller trucks, and tractor-trailers -- well, trailers, really. I had two tractors that were jointly owned. Q. When you formed this business, you said in 1995? A. '95, I believe. Q. Was there an initial financial investment you had to make? A. I did, and I borrowed money on a line of credit from the QTIP trust after my sister borrowed a much larger amount for an investment. Q. So what amount did you borrow? A. I think -- I can't remember off the top of my head. I think it was -- it was offset by -- I think it was -- it was a draw so it would vary. I don't remember it going above 200,000, but I can't 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 remember at this time what it was. Q. So did you basically use that as sort of a line of credit? A. Yeah. It was quarterly paid. And when I would buy a truck, I would borrow from that l~ne of credit; and as they were sold, or whatever, I would pay back the principal and pay a quarterly interest rate. Q. In the end -- well, I guess Hollywood Truck, you said it's still in existence? A. The corporation is, but it doesn't have any assets. Q. As you wound down, then, the function of the corporation, did you pay back all of the money? A. I paid back all the money before I wound down the corporation. There was difficulty with that line of credit. The trucks were not permitted by the trustees as a means of collateral for the credit, and the interest rate that I was receiving from that loan was less than I could receive even from my stock brokerage. Q. And what is your current -- A. The interest rate was more than whar_ I could receive from my stock brokerage, is what I meant to say. Excuse me. 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. What is your current source of income? A. It's no longer investments; it is -- I don't have much income. I have been attempting to wrap up the estate, clear up my affairs, and there is some amount I thought was due from this QTIP trust, and I've been using that. Q. We had sent you a notice requesting that you bring with you the exhibits that were, the original copies of the exhibits from the deposition that you had in September. Do you have those with you? MS. COLONNA: I have them. I'll take them up to the witness, if you want, or I can give them to you. MR. COHEN: I'll take them. Than}; you. BY MR. COHEN: Q. Mr. Dixon, at this point, we're going to go through several checks that are drawn on an M&T bank account for Lottie Ivy Dixon and ask you to, some of them, most of them, to identify them. I'm going to ask you some questions about them. THE WITNESS: Could I have a short Brea}: to get a bit of water? THE AUDITOR: The witness has asked for a short break for a drink of water. Any objection? 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 MR. COHEN: Sure. MS. COLONNA: No. (A brief recess was taken.) THE AUDITOR: We can go back on the record. BY MR. COHEN: Q. Mr. Dixon, these are the original, copies basically of the exhibits, and what I'll be dc;ing to try to move this along is ask you some questions, perhaps not about all of them, but I think I can identify them by number, and we'll move through that. It's a lot of pages, but we're not going to cover every one of them. But let's first look at Deposition Exhibit Number 2. MS. COLONNA: Mr. Shade, I'm going to object to this line of questioning at this point. Exhibit Number 2 is a check from the joint chec}_in~ account; therefore, I don't see how it's relevant to the brothers' argument that there are assets missing. THE AUDITOR: Response? MR. COHEN: This is money that I'm going to ask him if he signed these checks, what the purpose of the check was. And it is within the context of our claim that the joint checking account was an account that the record would show was set up by Mrs. Dixon with her money; and under the law, that is her money, 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 not his money, and it is up to him then to explain what the check was for. MS. COLONNA: Maybe we should hear that evidence first. THE AUDITOR: Exactly. Sir, that's exactly the problem I have; I don't think that foundation has been laid. And I don't -- it's hard for me to imagine how you're going to be able to lay that foundation. And so I would have to say without the benefit of that foundation, that that objection would be sustained, subject to your being able to establish that this account was anything other than an account that was owned jointly by the witness and his mother. MR. COHEN: So, Mr. Shade, you're saying that under the law, an account that has joint signatures where one individual put the money in the account, that that account is jointly owned by them and that any money that is in that account can be spent by the individual who did not put any money i,:to that account, for whatever purpose? THE AUDITOR: It's pretty clear to me that that's the law, that if you have any authority to the contrary, I would certainly be willing to consider it. But I think that's one of the things you do when you place funds in joint ownership; I think the law is 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 clear that when you do that, you're making a gift. in fact, when you put it into an ownership, the gift happens right then. I think there's clear authority to that from my understanding of the law. So, yes, to respond to your question, I think that's correct, I think that is the law. MR. COHEN: Mr. Shade, could we have a break for about five minutes while I respond to that? THE AUDITOR: Sure. (A brief recess was taken.) MR. COHEN: Thank you. Mr. Shade, Z'm prepared to respond to that. THE AUDITOR: Yes. MR. COHEN: And we do not have a legal memorandum prepared, but I will cite you initially the statute that we are relying on which is 20 Pa.C.S S 6303 (a) which reads, A joint account belongs, during the lifetime of the parties, to the parties in proportion to the net contributions by each to the sum and deposit unless there is clear and convincing evidence of a different intent. And the Advisory Committee comments to that note as follows: This section reflects the assumpti~r: that a person who deposits funds in a multiple-party account normally does not intend to make an 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 irrevocable gift of all or any part of the funds represented by the deposit, rather he usually intends no present change of beneficial ownership; the assumption may be disproved by proof that a g~_ft was intended. The theory of these sections is that the basic relationship of the parties is that an individual ownership of values attributable to their respective deposits and withdrawals; that is to say, the account operates as a valid disposition at death rather than as a present joint tenancy. And I would cite Wilhelm versus Wilhelm, 441 Pa. Super. 230, 657 A.2d 34, (1995) Pennsylvania Superior Court case where the Court says that a joint account belongs to the party who contributes to the funds unless there is clear and convincing evidence of a different intent. And I think the issue here is who has the burden of establishing the gift. It is our position that the burden initially to establish that this was intended as a gift is on the donee and that there is no proof. And I believe, Mr. Shade, that you :.ite that in one of your directives as a concern of yours, that where does the assumption lie as to whether it is 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 a gift, or in the context of the discussion that you were addressing, a gift in this case to Mr. Dixon, or reimbursement. Without clear and convincing -- and one of the cases even says precise -- evidence offered by the person claiming the gift, it is not a gift and the money is retained in ownership by the individual who contributed the funds to the account. MS. COLONNA: Mr. Shade, my response to that is that the section that Mr. Cohen has cited would be very relevant if Lottie Dixon were still alive and there were a dispute between her and Marshall Dixon about the money in the checking account. But immediately upon her death, the checking account became the property of Marshall Dixon, and that is in 20 Pa. C.S.A s 6304 which says, Any sum remaining on deposits at the death of a party to a joint account belongs to the surviving party as against the estate of the decedent unless there is clear and convincing evidence of a different intent. So, as I said, if Mrs. Dixon were alive here today and were arguing about these chec}:s, they would absolutely be relevant. Unfortunately she's not alive and at the moment of her death, everything that 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 was in the account became Marshall Dixon's. And whether it was one dollar or $1 million doesn't matter because it's all his. So if he improperly made payments out of the checking account during his life, he only cheated himself upon her death. So the withdrawals from the checking account are just completely irrelevant. THE AUDITOR: You've lost me there because what I understand is that evidence is seeking to be adduced about checks that were written against this account during Mrs. Dixon's lifetime. And if that's what we're talking about, then, you know, whatever happened at her date of death, that's not the issue. But having said that, I want everybody to know what my thinking is as it develops so that you can present your evidence accordingly. And I still have, and throughout this I'm going to have, serious concerns about the fact that it seems clear to me that Mrs. Dixon never raised any objection to these chec}.s being drawn against her account. Again, we keep coming back to this issue that there's not going to be evidence in this case of incapacity or undue influence; and she knew that Marshall was living with her, she knew what Marshall, presumably knew what his lifestyle was and probably h 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 had some idea about how much gainful employment he had and so on. So it would seem to me that the evidence of her intent to make a gift to Marshall for whatever he needed is apparent from a course of dealing over many years. And it seems to me that the evidence that you're seeking to adduce here today proves the gift. If you are proposing to go down through a bunch of checks and suggest that they were written strictly for the benefit of Marshall Dixon without any evidence of incapacity or undue influence, it seems to me that that's the clear and convincing and precise evidence that I would need to establish that Lottie Ivy Dixon's intent was that Marshall could do whatever he wanted to with this money. That's the problem I have with this whole thing, and I tried to express that in my directives. So I guess having said that, my ruling remains that unless you can establish that she did not intend to, that Marshall could write checks against this account for his own benefit, then I would have to sustain the objection. MR. COHEN: Just so we're clear and the record is clear, you're saying that the fact that Mr. Dixon, Marshall Dixon, had, with her approval and 7 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 without undue influence or incapacity on her part, that he had access to the money that was in this account to you is sufficient to establish that the money that he spent, whatever it was for, whatever purpose, was a gift? THE AUDITOR: At the very least I thin}:, yes. But at the very least, I would say that I would find it very difficult to believe that she did not authorize whatever he was doing. And if she authorized it, that's a gift as far as I'm concerned. I just find difficulty in imagining how you can prove to the contrary with years, of course, of dealing here. And I'm looking at this document, and, you know, you're going back to several years before her death. MR. COHEN: Which document is that? THE AUDITOR: Well, it's a copy apparently of whatever -- MR. COHEN: Oh, okay. Thank you. So you can make that ruling, you believe, without any independent evidence other than the existence of an account that has both of their signatures where all the money that went into the account was from Mrs. Dixon based upon the fact that Mr. Dixon was in the house with -- Mrs. Dixon lived there; and you 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 assumed and, therefore, because she was not incapacitated and there was no evidence or no claim of undue influence that she knew everything he was doing and that it was okay with her? THE AUDITOR: Well, I have trouble with characterizing it as an assumption. I think that it's fairly clear from the allegations in the various documents that have been filed in this case tr.at Marshall was writing checks for years for his own benefit. And I haven't needed -- there's no allegation -- and, in fact, evidence is precluded -- that he didn't have a right to do that as far as she was concerned. She didn't have incapacity, she was not subject to undue influence and he was writing checks one after another for years. So what would a reasonable mind conclude from that, that -- MR. COHEN: What a reasonable mind -could conclude is that somebody who is self-dealing does not tell the person what they're doing. MS. COLONNA: What's the evidence of that going to be? THE AUDITOR: We've got a joint account here. I don't think anybody denies that this account was jointly owned. Can we agree to that much, that 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 the account was jointly owned? I have seen no evidence of that. Everybody says it. MR. COHEN: It was jointly owned after May of 2005, not before that. MS. COLONNA: Actually it was jointly owned as of June of 2003. THE AUDITOR: Okay. MS. COLONNA: A couple of other points I'll make -- and, again, I don't want to get us off track; but, one, there's been no evidence that Mrs. Dixon was the only depositor to the account. So the assumption that Mr. Cohen made in his assertion is not, that hasn't been laid as foundation; and, two, because I know you said you didn't -- I lost you. My point is simply, if Marshall wrote a check for $100 out of the account that he shouldn't have written, that when she died, that just means that Marshall got $100 less so it doesn't matter because he was entitled to everything that was in the account at her death. So if he wrote a check for $100 that he shouldn't have written, it's $100 less he gets at her death, but it doesn't have any effect whatsoever on the brothers. It has no effect on their claim, it has 0 1 2 3 4 5 6 7 8 9 10 11 12 13 I4 15 16 17 18 19 20 21 22 23 24 25 no effect on the account of the estate. That is the point that I was making, and just to clarify. THE AUDITOR: I see that point now. With the benefit of that explanation, I see that point. And I certainly agree that there's no evidence that Lottie Ivy Dixon deposited all the money in this account, but that really doesn't make any difference as far as my view of it is concerned. I'm willing to assume that she deposited everything in that account, and my view of the posture of this would still be the same. MR. COHEN: So then you are ruling that we cannot question Mr. Dixon about any of the checks out of that account? THE AUDITOR: I am, and I think that's implicit in the language of my directive in which I said that I was going to have to see some evidence that that would be relevant. And to this point, I don't -- if you would come in here with a signature card that said that he was a convenience person only here and that he had the authority just to sign checks for his mother's benefit or something to that effect, then I would certainly take notice of that. But in the absence of that, I thin}: -- I 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 guess, sir, even if I heard all of this, if I sat here and I listened to -- it goes back to what I said in my first directive in this case; if I sat here and assumed that he wrote $200,000 worth of checks out of this account for his own benefit, I don't see how that changes anything because if he's a joint owner of the account and she did not have incapacity and was not subject to undue influence, I don't see he did anything wrong and so I don't see how the estate suffered any losses as a result of that. MR. COHEN: All right. That's a clear statement, and you feel no need for any independent testimony? THE AUDITOR: Sir, that's for you to decide what you want to present here today. I just rule on this question as to whether there's any relevance to what these checks were written for and so forth. I sustain that objection. MR. COHEN: All right. BY MR. COHEN: Q. Mr. Dixon, we will spare you going through all of that, what you've gone through before. But I do want to ask you whether in the context of your writing checks, were you, at the time you were doing this, aware of whether the checks were gifts to you or ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 were solely reimbursements to you for expenses for your mother? A. Some were gifts, some were reimbursements. The majority of checks that I wrote I wrote -- this is one of the limited exceptions, I wrote with my mother. I was sitting at our table -- not in the kitchen, but the dining -- not the dining room table, the dining room table in our back room, and she would be sitting right beside me. It just got too tiring for Mom to write the checks. Q. Did you put any funds into this account at any time, or at the beginning of the formation of the account? A. The account preexisted, I believe. I thin}: the account number is the same that Mom had for quite a number of years. I don't recall doing it. I might have. I might have. I don't recall any specific instance. MR. COHEN: All right. Thank you, Mr. Dixon. THE AUDITOR: I have a couple of questions. BY THE AUDITOR: Q. Did your mother know the details of your education, how much education you had? A. Oh, yes, certainly. 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. Did you discuss with your mother, in general terms, your employment? A. Oh, yeah. She knew -- I took her -- she wasn't -- we went out to lunch, and I took her to G&T Stereo. She didn't see most of Hollywood Trucks because they were in Los Angeles, although a few of the initial ones were at home, she saw those. She saw my billing. As a matter of fact, during the '9Cs, she helped me with my business because mail would come to the Pennsylvania address -- I was in California -- she would go to my desk and go through my, the bills that would come in, and she would send the ones to me that were appropriate and things like that. We world ta'r. daily on the telephone. Q. How old are you? A. I'm 47. Q. Prior to your mother's death -- excuse me. Are you saying that when you were in high school -- did you live in the same house where your mother lived when she died? A. Oh, yeah. My parents bought the house in 1958 before my birthday. Q. And you went to college in New Yor}_? A. First at Gettysburg and then at New Y"orb=. 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. Then after you left college -- how old were you when you last were in any form of study? A. That would have been the late '80s. Q. How old were you? A. I would have been 26. Q. Okay. When you finished your studies, did you go back home to live with your mother? A. No. As a matter of fact, I moved to Kansas City and I was living and helping George. I don't know if I was employed or not, but he was going through a difficult business period. Q. Well, when did you go back to live with your mother? After you finished your studies, when did you go back to live with your mother? A. Not until -- my address -- Q. I don't care about your address. A. Really in 2002 after she broke her hip. Q. So for the last five years you lived with your mother? A. Yes. Q. Did your mother ever suggest that you should go out and get a real job? A. No. As a matter of fact, she didn't particularly like me -- she thought G&T was interesting; and I had tried to start an Internet 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 radio station before that, which was interesting, but I was able to work from home then. Q. Did your mother ever express any objection to anything at all about your lifestyle? A. I don't think she liked the few times I stayed up too late at night, but she liked that I was home. I think she probably wished that I wasn't out of the country as much because she couldn't get in touch with me. THE AUDITOR: Does that prompt any other questions? MR. COHEN: No, sir. MS. COLONNA: You're completed with your cross? MR. COHEN: Yes. EXAMINATION BY MS. COLONNA: Q. Marshall, you testified that you wrote some checks with your mother sitting beside you, and I want you to focus on the checks that you wrote and -- well, let me back up. Did you ever write a check and have her sign it? A. No. Q. Did you ever sign her name on any checks? A. No. 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. So then let's just focus on those chec~_s that you wrote and signed your name on. When were you writing those checks? A. It would have been the last year or so of her life. Q. And that would have been mid '06 to mid '07? A. Something like that; maybe a little before that. MS. COLONNA: I think that's all I have. MR. COHEN: No further questions. THE AUDITOR: I have nothing further. You may step down. (Witness excused.) MR. COHEN: Mr. Shade, we have no further testimony. MS. COLONNA: At this time, Mr. Shade, the r. the Executor would move for a compulsory nonsuit under Rule 230.1: Where there's an action involving only one plaintiff and one defendant, the Court, on oral motion of the Defendant, may enter a nonsuit if at the close of the Plaintiff's case on liability the Plaintiff has failed to establish a right to relief. Now, in deciding the compulsory nonsuit motion, the Court must give the Plaintiff the benefit of the 7 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 evidence favorable to him. Here, the brothers have failed to establish a right to relief on their objection asserting that assets were missing from the estate. Notably while the brothers have asserted that their mother, that Marshall took assets from his mother through fraud, theft or misrepresentation, there's no evidence to support that assertion. There's no evidence, in fact, that Marshall took any assets at all except for the checks that he wrote with his mother's authorization and her at his side. Moreover, the specific assets that they contend are missing are not estate assets; they are part of the joint checking account and that checking account immediately became the property of Marshall's upon Mrs. Dixon's death and could never be prcperly included in the account. Therefore, we simply request that a nonsuit be granted. MR. COHEN: Our position, of course, is complicated by the fact that we came into this case as late as we did and have presented the evidence that is available to us through the discovery that took place. We would argue very differently in terms of n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 the issue of the ownership. And I think for purposes of your consideration of where to go from here, we would argue and will argue in the future that without clear, precise and convincing evidence that the donor intended to establish joint ownership of the money that was put into this account -- and there is no such evidence to that effect -- that the burden is not :~:, us to show otherwise, and that the money that was in that account, to the extent that it was spent by Marshall Dixon for his own use, is money that should have been kept in the estate and should be repaid to the estate. THE AUDITOR: Well, I have never been insensitive to the untenable position that you have been placed in this situation. It's unfortunate, but I just don't see how we can keep giving more bites at the apple in light of the background of this situation. I do have a momentary pause in my thinking about the issue of the burden of proof on Mrs. Dixon's intent because I don't think that we have a lot of evidence on the record at this point that Marshall did write out a bunch of checks. I don't think it's a matter of record; I think it's just a matter of discussion, and we've ~ ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 talked about it. I don't think there's any testimony to that effect. And now the motion is for a compulsory nonsuit, so I think I would deny that motion with leave to the Estate to establish evidence of the fact that there was an established course of dealing that would have authorized Marshall to do these things unless the Estate has some persuasive authority that they would not have the burden of showing that. And I think that the Estate might take that position at the peril of the Estate because understand what the statute says. And so the record is still open; the motion is denied. Do the brothers rest? MR. COHEN: Yes. THE AUDITOR: Does the Estate need a brea};? MS. COLONNA: I don't think so. Mr. Shade, we can put on evidence here today because we've had enough time to prepare, to some limited degree, of the course of dealing. However, we cannot, because this issue of the -- we cannot put on evidence regarding Mrs. Dixon's intent at the time she created the joint checking account. That issue was never raised before 25 ~ today. o 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 THE AUDITOR: Well, I can stop you right there. You know, I don't think that that is the end of the day right there. Even if there were evidence, which there isn't, that she only had the intention to make it a convenience account at the time that it was put into joint names, it's pretty clear in my mind that if a course of dealing developed after that that would establish that Marshall was authorized to do what he did, then I would have no trouble believing that her intention changed. Even if you assume the worst, from the Estate's perspective, if there's evidence that he wrote out, you know, whatever the dollar number is of checks over years' time when the account was in joint names, it would be pretty clear to me that it was her intention that those would be gifts. MS. COLONNA: Then the Executor calls Marshall Dixon. MARSHALL L. DIXON, called as a witness, being previously duly sworn, was examined and testified as follows: BY MS. COLONNA: DIRECT EXAMINATION l 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. Mr. Dixon, you've testified already today that you moved back home to Boiling Springs after being in many other places in about 2002? A. Yes. Q. Describe your mother at that time in 200. A. In 2002, she was recovering from a broker. hip. She had successfully recovered three years before from endometrial cancer and seemed to be -- she wasn't herself as she was before cancer; she hadn't regained her strength. But, you know, she was... Q. Was she, at that time, managing her own checking account? A. Yes. Q. Was she writing her own checks? A. Yes. Q. And you've also testified -- or maybe you haven't. Let me just back up. Do you know when your mother made you a joint owner on the M&T checking account? A. I didn't recall exactly until it was mentioned what year. I remember it had to be early summer because it was something that -- it would have been after my Aunt Till was home, and I generally came back to Pennsylvania a few weeks after she returned to Florida. ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. So it was what year? A. 2003, I believe it was. MS. COLONNA: May I approach the witness? THE AUDITOR: permission to do that. objection to that, just MS. COLONNA: exhibits for you if you know if counsel has any THE AUDITOR: that? You never have to ask me Unless somebody else has an do it. Mr. Shade, I do have a set of want to follow along. I don't opposition. Is there an objection to MR. COHEN: No. I would just ask for sort of where we're going with this, an offer of proof, perhaps. MS. COLONNA: Sure. Mr. Shade, you've indicated that you'd be interested in understanding the course of dealings that occurred during Mrs. Dixon's life with regard to the checking account, and that's what I intend to cover at this poir_t. THE AUDITOR: Proceed. (Executor Exhibit No. 6 was marked.) BY MS. COLONNA: Q. Mr. Dixon, I've just handed you a reavy binder full of documents. I'd like you to turn to Exhibit 6 which you'll find behind tab 6. ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. Okay. Q. And there's been a lot of discussion regarding a checking account. When you look at Exhibit 6, do you recognize these checks as coming from that account? A. Yes, I do. Q. And the name on that account on the chec}.s shows as L ottie Ivy Dixon, correct? A. Correct. Q. And that's your mother? A. Correct. Q. I'd like you to turn to page 197. Are you on the page that has 197 in the bottom rig ht-hand corner? A. Yes. Q. Do you recognize that page? A. Yes. Q. And what is it? A. It's a bank statement from Allfirst Bank. Q. And what is the date on that statement? A. June 21st of '03 to July 6th of '0~. Q. And do you see a name associated with the account? A. Two names; Lottie Ivy Dixon and Marshall Dixon. 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. You testified that in 2002 when you moved back home, your mother was handling her own checking account. Do you remember generally the kind of checks that she was writing? A. Generally, yes. Q. Who were some of the payees of checks that you recall her writing? A. She would be writing checks to the housekeeper, Nila Miller; Art Christopher, who was a handyman that helped Mother outside; to the oil company -- I think at that time it was the telephone company and the electric company, there were two bills for that -- flowers, a whole series of checks for things. Q. Did there come a point in time in your mother's life where she was no longer primarily the person writing checks from her checking account? A. Yes. Q. And what point was that? A. As I remember it, it was the last year of her life, the year before she died. Q. Now, Mr. Dixon, I'd like you to turn to page 474. A. Okay. Q. Now, on page 474, there's a copy of a ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 check, the second check shown on that page, number 4478, and the payee is Mrs. Nila Miller. Do you see that? A. Yes. Q. Who was Nila Miller? A. Nila Miller was the housekeeper that Mother employed. Q. And right above that there's a chec}: written to Ms. Pat Kee. Who was Pat Kee? A. Pat Kee was an employee of Home Instead, which was a service that, I think the best way to describe it is a home health aide. She helped Mom with, you know, preparing lunch, bathing and things. She was paid through Home Instead. Q. Now, why was your mother writing a check. to Pat Kee? A. From time to time quite often, she would buy something in the store and bring back and Mom would reimburse her for the expenses. Either that or I used to leave 20 or $50 in a jar that she would exchange money -- you know, she would bring McDonaid's sausage biscuits in the morning on the way over, or donuts from Dingeldein, which is a bakery in New Cumberland where she lived. Q. I'd like you to turn to page 475 now. At E, 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 the bottom of that page, there's a check written to Capital Blue Cross. Do you see that check? A. Yes. Q. Who wrote that check? A. I did. Q. And who signed that check? A. I did. Q. Do you know what that check was payment for? A. It was a bill for Mom's, I think insurance for Blue Cross, health insurance. Q. She didn't have -- she didn't just have Medicare? A. She had this as a supplement, and she had Blue Cross Part D, but she had supplemental above Medicare. Q. So this wasn't paying for any health insurance for you? A. I've never had Blue Cross as my health insurance. Q. Did your mother know that you wrote this check? A. Yes. Q. Did she authorize you to write this check"% A. Yes. ; 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. Now I'd like you to turn to page 478, and I'd like you to focus on the fourth check down from the top on that page, check 4819. Do you see that? A. Yes. Q. Who is that check written to? A. It appears to be Art Christopher. Q. And Mr. Art Christopher was the handyman? A. Yes. He mowed the lawn for Mom, as Mom has always, since they lived in the house, had somebody do lawn-mowing, and he did a lot of construction projects around the house. Q. Did Mr. Christopher ever do construction projects for you? A. No. Q. In fact, you didn't own a home at the time this check was written, did you? A. Correct. Q. So he was doing work on your family home, correct? A. Yes. Q. Now, did your mother authorize you to sign that check? A. Yes, she did. Q. Did she authorize you to write that chec}: to Mr. Christopher? a 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. Yes, she did. Q. Now, I'd like you to turn to page 485 -- make that 487. And I'd like you to focus on the third check down, check 4777. Do you see who that check is written to? A. Lemoyne -- this is the one with the stamp over the -- Q. Yes. A. Lemoyne Sleeper. Q. And what's Lemoyne Sleeper? A. It's a local company that makes mattresses and bedding. Q. And did your mother authorize you -- did you write that check? A. Yes, I did. Q. Did you sign that check? A. Yes, I did. Q. Did your mother authorize you to do that? A. Yes, she did. Q. What were you paying for at Lemoyne Sleeper when you wrote this check? A. It was Mom's bed. She had an antique bed frame, and it was custom made, a bed that was lower. We removed the mattress and box spring because it was too high for her to get into bed easily, so I had ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Lemoyne Sleeper build one like they would build it for a platform bed, and so her bed was much lower. Q. So the bed wasn't for you? A. No. Q. It was for your mother? A. Yes. Q. I'd like you to turn to page 491, and I'd like to focus on the check that is next to last on that page, number 4858. Do you see that check? A. Yes. Q. Did you write and sign that check? A. Yes, I did. Q. And who was that check written to? A. PA Department of Revenue. Q. What was that check for? A. That was the sales tax for the last car that I bought. Q. So sales tax on a car you bought? A. Yes. Q. How is it that you end up writing a chec}. from a joint account for the tax on a car you bought? A. I bought the car, and Mom said I'll pay the taxes as a gift. Q. And did she give you a check? A. Yeah. She had to. She kept her checks in 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 her pocketbook. Q. Where did she keep her pocketbook? A. By her s ide. Q. I'd like you to look at the last chec}: on that pag e. Can you tell who that is written to? A. It looks to be Smithsonian. Q. And did you write and sign that check? A. Yes, I d id. Q. And what were you writing a check to the Smithsonian for? A. We have, since I was little, had a subscription to the Smithsonian magazine, and I believe that's what that was for. Q. Did your mother read that magazine? A. Yes. Q. And I'd like you to turn to the next page, 492. A. Yes. Q. The second check from the top, did you write that check and sign it? A. Yes, I did. Q. And what was that check for? A. It says United States Treasury. Q. Do you recognize the number that's written in the memo line? 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. That appears to be Mom's Social Security number. Q. Do you know if it's your Social Security number? A. No. It's certainly not my Social Security number. Q. Did your mother authorize you to write that. check? A. Yes, she did. Q. And the check right below it, who is that check written to? A. Sue Neff Enterprises. Q. And you wrote and signed that check? A. Yes, I did. Q. And what were the circumstances under which that happened? A. I had a deer hit the car I had rebuilt, and Mom said as a present she would pay for its repair, or I don't remember the details because it would have been -- I think that was my insurance deductible, I believe. Q. And I'd like you to turn a couple of pages forward to 495. And the check in the middle, can you tell us -- did you write and sign that check? A. Yes, I did. , ~, o~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. And did you do that with your mother's authorizat ion? A. Yes, I did. Q. And what's that check for? A. It's about the same time frame. It must have been a similar thing. Q. Is that written to S. Neff Enterprises? A. Yes, it is. Q. And what is that, an auto body repair shop? A. Yeah. She paints. She's a single person. Q. And do you remember the circumstances under which your mother authorized you to write this chec}:? A. I think it was similar to the previous one. Q. Now, Mr. Dixon, could you turn, please, to page 503. I'd like you to focus on the second check on that pa ge, check number 4903. Do you see that check? A. Yeah. It's quite small. Yes. Q. Do you know who that check is written to? A. That's another check to Nila Miller. Q. And you wrote and signed that one, right? A. Yes, I did. Q. The date on the check is March 15tr~, '1007. Do you see that? A. Yes. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. How long before your mother's death was that date? A. A few months. Q. Do you recall the circumstances under which you were writing a check to Nila Miller? A. Yeah. Nila was coming to the house more often during that period because we had more people in the house with nurses. And she presented -- you know, she told me what her bill was, and I gave her a chec}: for her services. Q. And did your mother know that you were writing that check? A. Oh, yeah. Q. And there are two more checks on teat page also written by you to Nila Miller. Do you see those at the bottom of the page? A. Yes. Q. And are those similar, the circumstances of those checks similar to the circumstances of the chec}~ above it? A. Yes, they are. Q. Now, if you look at the next page, 504, that's another check to Nila Miller written by you? A. Yes. Q. And your mother knew about that one as 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 well? A. Oh, yes. Q. And the next page, 505, all the checks on that page are written by you, right? A. Yes. Q. And that's in April of 2007? A. Yes. Q. And that's about two months before your mother's death? A. Correct. Q. Was your mother writing checks at that point in time? A. No, she wasn't. Q. Was she unable to write checks? A. She was bed-ridden through the latter part of this period, and it just -- it was -- I talked wits. my Aunt Till and Charlotte, and we thought it was better, certainly the earlier part of this I tal}:ed with Charlotte, that Mom shouldn't have to worry about bills coming in and going out or anything during that period. Q. Mr. Dixon, there were also electronic withdrawals from this checking account. Are you aware of that? A. Yes. C n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. Did your mother use a computer? A. No, she didn't. Q. Can you explain how there were electronic payments or withdrawals from the checking account? A. Yes. I have paid a lot of my bills electronically because of not being in one location. And when bills would come in to her, instead cf writing a check out and mailing it, etcetera, it was just easier for me to do it electronically. I was doing it while we were in the same room, which was certainly through the last couple of years. I wasn't using my desk in the basement; I was in a chair in the back room where she spent most of her days. Q. So can you explain how the bills would come in and how you would end up processing them electronically? A. I would go pick them up at the post office -- or possibly in the summer Till would pick them up -- and they'd go on the counter, and then a few days later we would sit down and go through bills. Q. And when you say we, you mean who? A. My mother and I. Q. Okay. I interrupted you. You would go through the bills... E 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. We'd go through the bills and then write the needed checks. And sometimes we weren't writing checks; we just did an electronic transfer. We'd have to sit down with the checkbook and do it; it just was easier. Q. And so when you did those electronic transfers, your mother knew about it? A. Yes. Q. And she knew what was being paid out electronically? A. Yes. Q. Mr. Dixon, did you ever write a single check from your mother's account for your own benef~t without your mother's knowledge or authorization? A. No, I did not. MR. COHEN: I object at this point, Mr. Shade. We are continuing to ask him what his mother knew, and his mother is not here to say what she knew or didn't know. The question of his opinion of what she was aware of is not, I don't thin}:, relevant to anything at this stage. THE AUDITOR: Yes; but, I mean, certainly he would know if he told her what he was doinU. An_ so if that's his testimony, then I think he can testify to that. I agree with you that he cannot ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 testify as to what was in her mind, but he can certainly testify as to what he made known to her. MR. COHEN: Yes, but -- MS. COLONNA: Well, I can rephrase the question. MR. COHEN: -- the frame of the question has been more toward what she knew, what she -- MS. COLONNA: I can rephrase the question. BY MS. COLONNA: Q. Mr. Dixon, did you ever write any check from the joint checking account for your own benefit without telling her that you were doing so? A. No, I did not. Q. Did you ever steal money from your mother in any way? A. No, I did not. MS. COLONNA: That's all I have. THE AUDITOR: Cross-examine. CROSS EXAMINATION BY MR. COHEN: Q. Mr. Dixon, let's turn back to the check which is on page -- well, it was the first chec}: that was written to S. Neff for $1,500, page 492. Dc ycu see that? A. Yes. n n h 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. You had just said that you recalled the circumstances were that you hit a deer or a deer hit you, whichever way you want to look at it -- A. Yes. Q. -- and that was for some repairs to your vehicle? A. Yes. Q. And you signed that check, and you said that there was never a check that you signed that your mother was not aware of. A. Correct. Q. Do you recall being questioned about that check at your deposition? A. Yes, I do. Q. Do you recall what you said then? A. I believe -- I don't recall exactly, but I recall the circumstances of signing the check. Q. You were asked specifically by Mr. Gilroy at that time, do you have permission from your mom to make this payment. And your answer at that time was, I believe so; I don't remember the circumstances of it; there were very few times I wrote a chec}: on this account and anytime I did, I wrote it out and Mother probably was present. A. This would be an exception to that. ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. In what way? A. I wrote this at Sue Neff's office because I didn't know what the amount was when I was at home. Mom knew about this check, but I didn't write it sitting beside Mother. Q. So now you do remember the circumstances of it? A. In the intervening months, yes. I was reminded, actually by Till, my aunt, who drove me te; pick up the car. Q. So you asked her about this particular check? A. No. We were discussing this entire -- Q. Episode? A. Episode, yeah. And I was trying to refresh my memory. MR. COHEN: I have no further questions. THE AUDITOR: Redirect? REDIRECT EXAMINATION BY MS. COLONNA: Q. Mr. Dixon, I'd like to actually show a page from your deposition transcript, page 35. We'll start on page 34. On line 21, page 34, you're asked about the check written to S. Neff Enterprises. You see that? 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. Yes. Q. And you were then asked, do you know what this check was for -- or what was this payment for. Excuse me. Do you see that? A. Yes. Q. And your answer is, I believe it was, I had an old car rebuilt and a deer ran into it and it was fixed. Right? A. Yes. Q. And then you were asked if the payment was made out of your mother's account, and you responded, it's an account I had joint signatory power with my mother. A. Yes. MS. COLONNA: Thank you. I have nothing else. THE MR. THE MS. move Exhibit 6 THE MS. checks that Mr his testimony. AUDITOR: Any recross? COHEN: No. AUDITOR: Any further testimony? COLONNA: No. We would just simply into evidence. AUDITOR: What is Exhibit 6? COLONNA: Exhibit 6 is the stack of Dixon was just flipping through during 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 THE AUDITOR: Do we really want to burden the record with all of this when we only referred to a dozen pages or something? MS. COLONNA: I was going to say yes, I think it's important that all of the checks be in the THE AUDITOR: Response? Objection? MR. COHEN: I guess my concern is the same as yours; you're putting a lot of checks into the record that are checks, some of which we were not permitted to ask him about, some of which he was not asked about, most of which -- there are around 2,000 checks there -- he was not asked about. I don't know how they're part of the record. MS. COLONNA: Well, certainly you r:ad the opportunity to cross-examine him using Exhibit 6 whicri was before him during that opportunity. MR. COHEN: Those checks were not the subject of his direct examination. THE AUDITOR: I can certainly understand that to the extent that the checks in this exhibit illustrate any patterns and so forth, I can understand that you might want to have more than just the checks that were specifically referenced in the testimony, but do we really need to go back beyond, much beyond, 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 much earlier than, you know, like, page 425 or something? I mean, seriously. MS. COLONNA: I'd be satisfied with page 425 through the end, 514. THE AUDITOR: And keeping in mind, of course, that counsel could certainly have the witness -- we could sit here the rest of the day and have the witness qualify all these checks as having been drawn on this account and so forth. I would think that admission of pages 425 to 514 would, it would seem would amply establish whatever we need to have here. Is there any objection to that proposition? MR. COHEN: If these checks are going to be introduced, I mean, that's still hundreds, if not a thousand checks. I guess there's hundreds of checks. THE AUDITOR: There's no question it's a lot of checks. Like I said, on the other hand, if counsel can show me some relevance to it, we can sit here and qualify all of these checks for the rest of the day. MR. COHEN: What is the reason not to just introduce the checks that were identified and discussed by Mr. Dixon? THE AUDITOR: Counsel? 3 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 MS. COLONNA: Well, Mr. Shade, you correctly assumed that it's our position that the earlier checks establish a pattern of Mrs. Dixon paying the same people and paying for the same services that Marshall Dixon was paying for when he was writing checks from the account. Now, I did not torturously go through the 50 examples that I have in my outline, but I'm happy to do that if it's going to be an issue. MR. COHEN: Well, I don't like it when counsel refer to my assumptions. I will not be ma}_ing any assumptions in this case. But, anyway, I hear what you're saying. I think that short of that, short of going through that exercise, I think counsel's objection is well taken. So if that objectior_ pertains, then I guess you could start on page 425. MR. COHEN: 425 through 5 -- THE AUDITOR: She can start asking him if all these checks were written on this account. MR. COHEN: Well, if we could have a short break because I want to see if there are a couple or checks in that group. THE AUDITOR: Let's go off the record fcr a minute. (Discussion held off the record.) 4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 THE AUDITOR: We had a brief off-the-record discussion in which I think it's correct to state that it was confirmed that counsel for the brothers is not, are not suggesting that they have not had a reasonable opportunity to have seen these checks beforehand but that they simply want to have an opportunity to examine them more carefully now within the context of the possible admission of the checks on pages 425 through 512, and that request is well taken. I would suggest then, why don't we just break for lunch at this point and -- MR. COHEN: Well, I think we can go through this and be done in maybe a half hour. THE AUDITOR: All right. MR. COHEN: I think we may be done with the procedure then. THE AUDITOR: I don't have a problem with that either. Whatever suits. Why don't we just hang in there then and take a reasonable amount of time to review these and let me know when you're ready. I can go right on through; it doesn't matter to me. I have nothing over the noon hour I have to deal with. MS. COLONNA: That's perfectly fine with me. If there's something specific you want to talk about, then I can do direct and you can do cross. 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 MR. COHEN: This will be very brief. THE AUDITOR: Sure. (A brief recess was taken.) THE AUDITOR: Back on the record. RECROSS EXAMINATION BY MR. COHEN: Q. I wanted to -- do you have the book of those checks? A. Yes. Q. If you would look at page 422. MS. COLONNA: Are we going back beyond 425 at this point? THE AUDITOR: Well, you asked to have them all introduced. I think if they want to ask him about something on page 422, I don't see why you would have a problem with that. MS. COLONNA: Just trvincr to understand where we are. THE AUDITOR: I understand. MS. COLONNA: Because I haven't dome any direct on these. THE AUDITOR: I understand that too. MR. COHEN: Thank you. BY MR. COHEN: Q. In the middle of that page, Mr. Dixon, 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 there's a check for $4,627 to the USAA to a credit card account. Do you know whose account that is? A. I believe that's mine. Q. Do you recall that payment and what it was for? A. No, I don't. Q. But you would recognize that that's your account and that your mother had signed that check for that amount of money to pay off your credit card account? A. Yes, it was. Q. Do you know if that was for expenses for her personally? A. I don't know. She would reimburse me for expenses that I made by paying off credit cards. Q. Let's look at page 427. And there are two checks that -- this is in '05, but you see the signatures, the first two checks on that pager THE AUDITOR: Excuse me. What page are we on? MR. COHEN: 427. BY MR. COHEN: Q. Those two checks bear your signature. Is that correct? A. Yeah. ~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Q. Do you know what those payments were for and for what purpose? A. I'm not sure. I don't see any notation. One is to -- Q. Well, you had a credit card account with USAA. Is that correct? A. I believe I did, and so did my mother. Q. So you don't know whether that particular check for $1,500, the second one, was for you or your mother? A. No, I don't. Q. And the check above that, U.S. Bank? A. I'll take your -- it says U.S. The rest is illegible. Q. It could be bank. It looks like bank. But do you know what that was for? A. No, I don't. Q. On page 428, the very last check, Chase Card Services, is that your signature on that check? A. Yes. Q. And for what amount is that, would you say? A. It looks like $1,200. Q. And what's the date? A. November 14th, 2005. Q. Do you know what Chase Card Services, whose 8 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 account that would have been? A. I'm not sure. I had a Chase card at the time. Q. Did your mother have a Chase card, if you know? A. I don't know if one of her credit cards was serviced by Chase or not. I don't believe so. Q. All right. Page 438 -- and we only have a couple more of these I'm going to ask him about. But on page 438 , the second check down, USAA again. A. Yes. Q. And that's -- what's the amount there? A. It looks like 1,278 and -- Q. And maybe some change? A. Yeah. I can't see the change. Q. Do you know what that check was for? A. Well, being made to USAA, I don't -- we both had credit cards and insurance payments to USAA, etcetera. So, no, I don't, both her card and my card. Q. Look at page 447, the top two checks there. Now, there are numbers written out in the memo line. A. Yes. Q. That's USAA is one of them, and U.:>. Banr: is the other. Do you recognize those accounts? A. I recognize the USAA account number which 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 is mine -- well, it was mine. I've changed my number since then. The U.S. Bank -- Q. The reason I'm asking these questions, Mr. Dixon, is almost all of the checks in this series under those dates, the signature was Lottie Ivy Dixon, and we are assuming that your mother signed those. A. Yes. Q. These are very few that are listed here that have your signature, and am I correct than you are identifying those that you wrote -- A. No, that's incorrect. It certainly does not appear to be the same date. Q. I'm sorry. It does not appear -- A. To be the same date. Q. The same as what? A. Well, the rest in the series. Q. Well, what I'm saying is check number 4386, which is dated sometime in '05, and 4387 right after that, and then the following, 4389, and the others in '05 all seem to have her signature. That's all I'm suggesting. Are you telling me I'm wrong about that? A. No, I'm not. I thought you said they were signed on the same date. Q. Oh, no. I'm sorry. I meant that most of these checks bore your mother's signature. 00 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 A. Oh, yes. Certainly. Q. These very few that I'm discussing with you have your signature. A. Yes. Q. And that's why I'm raising the ques~ion as to why, if your mother was signing all of these other checks, then suddenly there are a couple of checks from your credit cards and they have your signature, what were the circumstances that you signed them when you said you rarely did that, especially back before '06 to '07 when she was more herself? A. I can't remember specific reasons of five years ago why these checks were -- MR. COHEN: All right. That's all I have. Thank you. FURTHER REDIRECT EXAMINATION BY MS. COLONNA: Q. Mr. Dixon, you've just looked at a series of checks on four different pages where you signed the checks. Do you recall that? A. Yes. Q. Did you have your mother's authorisation tc sign each of those checks that you've just looked at? A. Yes, I did. 25 ~ Q. I'd like you to turn to page 433 now. The 01 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 top check on that page is written to Wayne Noss Flowers. Is that right? A. Yes. Q. And you wrote and signed that check? A. Yes, I did. Q. Did you send flowers from Wayne Noss Flowers? A. I was picking up flowers for Mom. Q. So your mother purchased the flowers; you wrote the check and paid for them, right? A. Yeah, and I delivered them. Q. And that's not a credit card, right? A. No. Q. And right below that there's a check written to Hill York Service Corp. Do you see that? A. Yes. Q. And you wrote and signed that one too? A. Yes, I did. Q. What was Hill York Service Corp? A. Hill York was the air-conditioner service company for the Fort Lauderdale apartments. Q. Whose Fort Lauderdale apartments? A. They were my mom's Fort Lauderdale apartments. Q. And in September of 2005, were they your 02 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 A. Yeah. MS. COLONNA: MR. COHEN: I have nothing further. No questions. Q. Mr. Dixon, what was your mother's checkboo}_ like? Was it a little checkbook that you had, like, the vinyl folder or something where you can stick it in your pocket? A. She kept it in a -- it was a woman's purse, like, checkbook. But it had single checks, and she kept her mini credit cards, and then she had a little change purse on the end. It took up most of her purse. Q. Was it the kind of checkbook where one check is on top of the other and as you write a chec.}:, you just tear off and then the next one down? it's not like you have three checks on a page or something like that? A. Correct. It was the first one. Q. And did it have a separate ledger book? A. Yes, it did. Q. Well, now, when these checks would get written out that you were signing on the account back in 2005, who would complete -- would anybody complete U3 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 the ledger? A. I can't say Mother was overly diligent, but I think most of the checks she wrote she kept in the ledger. Q. Well, if you wrote out a check, did you put that in the ledger? A. Yes, I did. Q. And when the statements from the bank would come on the checking account, would anybody reconcile the account? A. I can't say we did it every month, but we did go through the checking account statements the next month when they came in. Q. Are you saying that you would sit down with your mother and go through and make sure that everything balanced? A. We would look through and see if there was any unusual checks or unusual charges on the account. I can't say we itemized it to the missing 10 cents here or there. Q. Check number 4653 on page 422 of the Estate's Exhibit 6, whose credit card account was that check written for? A. Which check on 422? Q. Page 422, that check that you testified 04 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 about. A. That was mine. Q. That was your credit card? A. That's my credit card account number. Q. And your mother signed that check? A. Yes. THE AUDITOR: Does that prompt any further questions? MS. COLONNA: No. MR. COHEN: No. THE AUDITOR: Any further evidence? MS. COLONNA: Well, I guess I should move again; and at this point, we should move pages 422 to page 415 of Exhibit -- let me restate that. The Executor moves for the admission of pages 422 through 514 of Exhibit 6. THE AUDITOR: Okay. Any objection? MR. COHEN: No. THE AUDITOR: Any rebuttal? MR. COHEN: No. MS. COLONNA: Nothing further. THE AUDITOR: And are you suggesting that you are going to renew your motion? I guess now it's a different motion, isn't it? MS. COLONNA: Well, I can renew the motion 05 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 for nonsuit. THE AUDITOR: Well, I'm not sure that that's the motion at this point. It would be to summary judgment or something. MS. COLONNA: Well, I guess directed THE AUDITOR: Yeah, something to that effect. MS. COLONNA: We would move then for directed verdict. I guess this rarely happens without a jury in the room. But essentially, again, the brothers have asserted that the assets are missing from the checking account. The only evidence that's been put ir_ is that Mrs. Dixon authorized Marshall Dixon to write anv checks that he wrote from the account and that she wrote the rest of the checks from the account. THE AUDITOR: Response? MR. COHEN: Mr. Dixon has stated that he doesn't recall all of the circumstances, and he has said that he generally sat with her and she generally approved what checks he was writing. And we saw a whole host of fairly routine checks to a handyman and to a housekeeper, but we still take the positic;,n that the money was not his equally with hers and that he 06 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 was writing checks such as those that paid off his credit card bills for his own purposes or having her write those checks for expenses that were his. THE AUDITOR: I hear what you're saying, but the part that troubles me is I think that this check number 4664 on page 422 is a smoking gun; to me, that's a smoking gun. He writes out a check for over, almost $5,000 to pay his credit card and his mom signs it, and that's almost two years before she died. And it's hard to imagine any clearer indication of the donative intent of that. And I understand what you're saying about what -- other than that, I would be more troubled if that check weren't there. I would be more troubled with the other checks that you pointed out in your cross examination; I would be more troubled. But with that -- which actually I think if you look at it, it predates the other ones which even more strongly to me indicates a clear donative intent by the clear, convincing and precise evidence that you want to see. I mean, that's pretty clear, precise and convincing to me. So I guess the question is to me, in my mind, I can certainly reserve a ruling and we can submit requested findings of fact, conclusions of law 0~ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 I8 19 20 21 22 23 24 25 and briefs and so on. I suppose you're probably going to have to do that anyhow because there's going to be the issues of my fees and who's responsible for them. I want to see some authority on what I can and cannot do on that. I'm not saying I know what the answer to that is. So I guess aside from that issue, aside from -- the attorney fee issues are preserved, and we'll talk about that in a minute. I know everybody is hungry, and I'm not going to take up a lot cf time here. But the issue of who is going to be responsible for the auditor's fees and the court reporter's fees and so forth is on the table. Do the brothers want to go through the exercise of -- I think you know what I'm thinking. Do they want to go through the exercise of submitting requested findings of facts, conclusions of law and briefs on the substance of this case or: the merits? And if so, I'll be happy to entertain them, and then we need to set forth a schedule here. And other than that, then the only other issue that would remain would be this issue about briefing the auditor's fees and expenses. 0 ; 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 What do you want to do? MR. COHEN: Yes, Mr. Shade, we would li}.e to be able to have written submissions to cover those points. And let me just address the checks in their entirety and just say that one check there's not an argument to make. I think that the issue still is what the purpose was even on that one check, and Mr. Dixon can't say that he knows why that particular check: was signed by her and paid off a credit card account of his. THE AUDITOR: Well, he said it's hi` account. If he couldn't say that, I'd be troubled. If he said, well, I'm not sure whose account that was, my mother's or mine, oh, okay. But here you've got a check and it's made out -- and it's a large amount of money too. It's not like we're talking about $150. And it has his credit card account number on it and her signature. And the other thing is, you know, since you're going to be making written submissions anyway°, I'll tell you, these checks that he did write out that appear to be isolated -- and certainly they are -- there's no suggestion that she raised any question about what happened to check number thus and so; I 09 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 didn't write that check, what did you do. There's no evidence that she ever questioned missing chec~_s from her checkbook or any of that sort of thing. MR. COHEN: Mr. Shade, the only evidence that you have that she apparently, according to Mr. Dixon, reviewed all the checks on a monthly basis, is his statement. There's no independent evidence of that. There's no evidence from her. You're assuming that what he says is what she knew. THE AUDITOR: I'm not assuming. The question is whether I believe him or not. And that's evidence, certainly. His testimony under oath is evidence, and I don't see any evidence to the contrary. And that doesn't necessarily mean I have to believe him; I understand that law too. But I just haven't -- you've got to couple that with the fact, as I observed at the top of this thing today, it was no secret that Marshall was living with his mother. It was no secret that Marshal only had a part-time job during a lot of this time, and nobody raised any complaints then. So I have a problem with anybody, you know, come in here and raise a boogeyman now. You know, that's the problem I ha~~-e with that. So I'll be happy to -- do we want the 1 l_1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 record transcribed? MR. COHEN: Yes. THE AUDITOR: Okay. Everybody wants a copy? MS. COLONNA: Can we excuse Mr. Dixon from the witness stand, by the way? THE AUDITOR: Sure. (Witness excused.) THE AUDITOR: Everybody want a copy? MS. COLONNA: Yes. MR. COHEN: Yes. THE AUDITOR: Amy, I would like to nave mine on ASCII disc as well as hard copy, please. Then what suggestions do I have as far as schedule of submissions is concerned? I want requested findings of fact, conclusions of law and supporting authorities. And it would seem to me that the brothers ought to file first and then give the Estate a chance to respond. And then if the brothers want to respond to the Estate's response, that's fine. Keep in mind, I have an expiration, a commission expiration here, and I don't want to have to get it renewed if I don't have to. MR. COHEN: What date is that? 11 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 THE AUDITOR: What date does my commission expire? I think it's something like May 15th. I believe off the top of my head that's what it is. And I don't want to be right up to the bitter end either; I want to have some time to prepare my report and findings. MR. COHEN: Well, you can just adopt ours. THE AUDITOR: That is very generous of you to make that offer, and I do appreciate it. But I'm sure I'm probably the only one in this room that does. The record will be transcribed, and the brothers will file their requested findings of fact, conclusions of law and authorities by April 9th, 2010. The Estate will have until April 30 to respond, and the brothers will have until May 14, 2010 after that to file a reply. And I assume that the bank and Marshall Dixon as individually will not be filing anyth~ng, and that's fine with me. If you want to file something, let me know. MR. BRADSHAW: That's correct. MR. SULLIVAN: If you don't require or request anything with respect to the QTIP trust, we're fine with that. 25 ~ THE AUDITOR: So that will leave the issue 12 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 of the auditor's fees and expenses to be contested by the brothers and the Estate. MR. SULLIVAN: I have a memorandum on that right now that I can submit to you. THE AUDITOR: Okay. I'll certainly receive that. I presume you have copies for everyone. MR. SULLIVAN: Yes. THE AUDITOR: And I think it would be helpful for them to know your position. Mr. Bradshaw, you're fine? MR. BRADSHAW: Yes. THE AUDITOR: Anything else for the record? MS. COLONNA: Should we make clear on the record that the findings of fact and conclusions of law and supporting authorities are both on the substantive issue and your auditor's fees? THE AUDITOR: Yes. That's definite~y the case. MS. COLONNA: Okay. THE AUDITOR: I'm not sure if I stated succinctly on the record -- I think I did. Bur in an~~ event, I think I did say that 422 to 514 are admitted. I think I said that. If I didn't, I intended ro. Pages 422 through 514 inclusive of the Estate's Exhibit 6 are admitted without objection. 13 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 admitted in evidence.) THE AUDITOR: Anything else? MS. COLONNA: No. (The hearing was concluded at 12:30 p.m. l4 1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 I hereby certify that the proceedings and evidence are contained fully and accurately in the notes taken by me on the within proceedings, and that this copy is a correct transcript of the same. ----; ~ _ Amy R. ~itz, Notary Prxl~lic Registered Professional Reporter XHIBITS Page 1 of 3 Y'- - _ -.~~r~r~ _ _ ___ ~-a~.w~.-~~. __ u ~. __ ._.___ wtt+ewroaoH ~ 4657 roaGO+a . 7!, fcx soaxo sMixcc. M navr~mos w ~ I ,t7 V -~$ 's FS` ' w t° ~3 t yr~,~<z-,ice u ~ ,~ ,9 ~!~y~ .~~~d' ~ ~ tL't~ t'%K t5 nat~RS 8 £11T~~'S7 QMe~TBank ~ w°~i t" 4052000113+: 28675576x465? a000000 1 5 19.a ~' _ t ?t'#F~x r?t+ t~*)~~c.+t, ,}~,;;'~ ~arneny~con o 4668 ro WR{ aae+xG iR4xGl. M 17001iW~ --- /~~~~+ f "~Y~i~ i •~i mix[ ~`~`~ s ©M~'Bank 1I4052DOD1134 28675576xti658'iD00DOD1880~ ~~ ~ p~ ~«. 4664 •osae~a .e~...~,s'' . 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T~.,2966°,466 $ ~~y 11851277RC~1649 Mf~26 ~~ N ~~pp7 ~ 4 Oalppo~e~~~y-~~~~::rppryyy~~y~~"""~22 852 9E11 ~-t N ~~~ ?2:31 ~x'~41 < 1epG9m.IfT 41LT E „ mar >M1 ~ fi C +104 i C[j f'!=. http://pc-nclweb 1.mandtbank.com/inquiry/servlet/inquiry O ~~ 8/8/2008 514 ORD INDEX 0- 00 [4] 1:15; 20:20; 31:23; 35:24 03 [2] 73:21 04 [1] 44:25 05 [3] 96:17; 99:18, 20 O6 [2] 66:6; 100:11 07 [2] 66:7; 100:11 -1- 1 [2] 32:5; 55:2 1,500 [2] 87:23; 97:9 1,200 [1] 97:22 1,278 [1] 98:13 1.5 [2] 30:14; 31:21 10 [1] 103:19 100,000 [1] 44:9 100 [4] 59:17, 19, 22, 23 11 [4] 4:7; 5:9; 18:19; 32:3 113 [1] 3:17 11th [2] 14:13; 16:24 12 (2] 31:1; 113:4 13 [1] 26:16 14 [2] 31:1; 111:15 14A [1] 25:6 148 [1] 25:21 14C [1] 25:23 14D [1] 25:25 14th [1] 97:24 15 [1] 4:4 15-minute [1] 4:3 150 [1] 108:17 15th [2] 82:23; 111:2 16 [1] 33:19 16th [1] 31:9 17 [1] 34:1 17007 [1] 40:19 18 [1] 34:13 1958 [1J 63:23 197 [2] 73:12, 13 1986 [1] 41:13 1995 [3] 46:23; 47:14; 53:13 -2- 2 [2] 50:13, 16 2,000 [1] 91:12 20 [4] 28:25; 52:16; 54:17; 75:20 200,000 [2] 47:25; 61:4 2002 [6] 45:18; 64:17; 71:3, 5, 6; 74:1 2003 [2] 59:6; 72:2 2005 [4] 59:4; 97:24; 101:25; 102:25 2006 [2] 43:9, 10 2007 [4] 43:2; 46:23; 82:23; 84:6 2009 [1] 18:20 2010 [4] 1:15; 33:20; 111:13, 15 20th [1] 18:15 21 [1] 89:23 21-07-0686 [2] 1:2; 24:4 21-1994-0754 [2] 1:6; 24:24 21-94-0754 [1] 24:8 21st [1] 73:21 22nd [1] 30:20 230 [1] 53:13 230.1 [1] 66:19 23rd [3] 12:6; 40:5; 42:8 24 [1] 1:15 24th [1] 30:3 25 [2J 18:19, 20 26 [1] 64:5 -3- 3 [4] 4:4; 31:23; 35:24 30 [2] 111:14; 113:4 30-day [1] 8:1 300 [1] 44:11 30th [1] 7:25 34 [3] 53:13; 89:23 35 [1] 89:22 36 [1] 20:20 -4- 4,627 [1] 96:1 40 [1] 3:3 400 [1] 31:18 415 [1) 104:14 422 [10] 95:10, 15; 103:21, 24, 25; 104:13, 15; 106:6; 112:22, 24 422-514 [1] 112:26 425 [7] 92:1, 4, 10; 93:16, 17; 94:8; 95:11 427 [2] 96:16, 21 428 [1] 97:18 433 [1] 100:25 438 [2] 98:8, 10 4386 [1] 99:17 4387 [1] 99:18 4389 [1] 99:19 441 [1] 53:13 447 [1] 98:20 4478 [1] 75:2 4653 [1] 103:21 4664 [1] 106:6 47 [1] 63:17 474 [2] 74:23, 25 475 [1] 75:25 4777 [1J 78:4 478 [1] 77:1 4819 [1] 77:3 485 [1] 78:3 4858 [1] 79:9 487 [1] 78:3 4903 [1] 82:16 491 [1] 79:7 492 [2] 80:17; 87:23 495 [1] 81:23 -5- 5 [1] 93:17 5,000 [1] 106:8 50,000 [1] 46:5 50 (2] 75:20; 93:8 503 (1] 82:15 504 (1] 83:22 505 [1] 84:3 512 [1] 94:9 514 [5] 92:4, 10; 104:16; 112:22, 24 5th [1] 30:16 -6- 6 [14] 3:17; 40:18; 72:21, 25; 73:4; 90:21, 22, 23; 91:16; 103:22; 104:16; 112:25. 26 60 [4] 33:13; 34:15; 35:1, 19 60-day [1] 35:13 6303 [1] 52:17 6304 [1] 54:17 65 [1] 3:4 657 [1] 53:13 6th [1] 73:21 -7- 70 [1] 3:7 72 [1] 3:17 -8- 80s [1] 64:3 81 [1] 20:23 87 [1] 3:7 89,100 [1] 3:7 -9- 9 [3] 1:15; 20:20 905 [1] 63:9 95 [3] 3:7; 44:23; 47:15 9th [3] 30:23, 25; 111:13 -A- A.2d [1] 53:13 a.m. [1J 1:15 ability [1] 32:22 able [13] 5:22; 8 1; 9:6. 16; 15:22, 24; 16:4 ; 17:2. 37:5; 51:8, 11; 65:2 ; 108:3 about [54] 4:3, 4, 1 3; 5:2. 6; 6:14, 24; 7:3; 10:3; 13:14; 19:23; 20:17, 20; 24:17; 29:2; 32:24; 34:18; 49:21; 50:9; 52:8; 54:13. 23; 55:10, 12, 18; 56:1: 60:13; 64:16; 65:4; 68:20; 69:1; 71:3: 82:5: 83:25, 4:8, 19; 86:7; 88:12; 89:4, 11, 23; 91:11, 12, 13; 94:25; 95:14; 98:9; 99:21; 104:1; 106:12; 107:9, 24; 108:17, 25 above [5] 47:25; 75:8; 76:15; 83:20; 97:12 absence [1] 60:25 absolutely [1] 54:24 accept [2] 5:25; 27:11 access [1] 57:2 accident [1] 20:22 accompanied [1] 13:10 accordance [1] 40:2 according [1] 109:5 accordingly [1] 55:16 Account [1) 38:16 account [116] 5:10, 19, 20, 22, 23; 6:1, 21; 7:10, 19; 10:13, 17, 19; 11:3, 9; 12:10; 13:4, 10, 12; 25:1; 31:19; 32:3; 46:16; 49:19; 50:17, 23; 51:12, 15, 17, 18, 20; 52:17, 25; 53:10, 15; 54:8, 14, 16, 19; 55:1, 5, 7, 11, 20; 56:20; 57:3, 22, 23; 58:23, 24; 59:1, 11, 17, 20; 60:1, 7, 10, 14; 61:5, 7; 62:11, 13, 14, 15; 67:15, 16, 18; 68:6, 9; 69:24; 70:5, 14; 71:12, 19; 72:18; 73:3, 5, 7, 23; 74:3, 17; 79:21; 84:23; 85:4; 86:13; 87:11; 88:23; 90:11, 12; 92:9; 93:6, 19; 96:2, 8, 10; 97:5; 98:1, 25; 102:24; 103:9, 10, 12, 18, 22; 104:4; 105:13, 16, 17; 108:10, 13, 14, 18 Accounts [1] 10:16 accounts [1] 98:24 accurate [2] 28:10; 42:22 accurately [1] 114:2 accuses [1] 19:11 acquiesce [1] 8:18 acquiescing [1] 20:8 across [2] 41:1; 47:3 Act [1] 10:16 action [1] 66:19 active (1] 44:24 activities [1] 15:25 activity [1] 9:8 Actually [1J 59:5 actually [7] 5:12, 17; 7:19; 28:7; 89:9, 21; 106:17 add [1] 27:10 addendum [1] 31:10 additional [1] 35:19 address [16] 4:8; 5:8; 6:10; 9:1; 15:22; 23:11; 34:23; 40:15, 18, 24, 25; 42:25; 63:11; 64:15, 16; 108:4 addressed [3] 16:5; 38:7, 8 addresses [1] 17:24 addressing [2] 28:23; 54:2 adduce [1] 56:7 adduced [1] 55:10 adjudicated [1] 16:21 adjudication [1] 28:18 Administrative (1] 16:17 admissible [2] 19:13, 15 admission [3] 92:10; 94:8; 104:15 ADMITTED [1] 3:16 admitted [3] 112:22, 25; 113:1 adopt [1] 111:7 adopted [1] 24:20 advance [1] 35:18 advantage [1] 13:22 advisor [1] 12:21 Advisory [1] 52:22 affairs [2] 16:15; 49:4 affect [1] 39:11 After [1] 64:13 after [19] 7:2, 22; 27:14; 33:15; 41:19; 42:13; 45:19; 46:9; 47:19; 58:16; 59:3; 64:1, 17; 70:7; 71:2, 23, 24; 99:18; 111:15 afternoon [3] 4:4; 27:4; 35:25 Again [4] 8:20; 41:6; 46:2; 55:21 again [9] 11:15; 14:2; 18:22; 24:23; 36:22; 59:9; 98:10; 104:13; 105:11 against [5] 44:4; 54:20; 55:10, 20; 56:20 ago [8] 8:9; 9:19; 19:4, 7; 21:2; 31:25; 32:3; 100:13 agree [8] 11:23; 26:21; 27:17; 35:11, 18; 58:25; 60:5; 86:25 agreed [3] 25:13, 18; 26:5 Agreement [1] 24:7 agreement (5] 25:20; 26:1; 27:18; 29:1; 35:20 ahead [3] 10:5; 23:15, 23 aide [1] 75:12 air-conditioner [1] 101:20 alert [1] 4:5 alia [1] 27:6 alive [3] 54:12, 22, 25 All [10] 20:18; 21:15; 28:22; 32:7; 61:11, 19; 62:19; 94:14; 98:8; 100:14 all [51] 5:23; 6:15; 11:16, 23; 12:4, 21; 13:25; 15:22; 16:16, 18; 17:2; 21:5; 22:1, 18; 24:1; 25:13; 26:1; 29:23; 30:4; 33:9; 36:3; 37:25; 38:3; 47:5; 48:14, 15; 50:9; 53:1; 55:3; 57:22; 60:6; 61:1, 22; 65:4; 66:10; 67:10; 84:3; 87:17; 91:2, 5; 92:8, 20; 93:19; 95:14; 99:4, 20; 100:6, 14; 105:20; 109:6 allegation [2] 31:22; 58:12 allegations [2] 16:16; 58:7 alleged [2] 31:16; 36:13 allegedly [2j 32:4; 33:23 Allfirst [1] 73:19 allocation [1] 14:5 allow [2] 34:15; 35:1 allowed [1] 16:14 almost [3] 99:4; 106:8, 9 alone [1] 8:21 along [3] 16:18; 50:8; 72:8 already [2] 40:20; 71:1 also [12] 17:23; 18:25; 20:19; 24:9; 25:17; 29:8; 31:22; 34:12; 41:20; 71:16; 83:15; 84:22 alternative [1] 33:12 although [3] 22:25; 31:24: 63:6 always [1] 77:9 Am [1) 42:24 am [10] 4:25: 14:11; 15.9; 22:7: 26:6; 34:3: 41:2. 5; 60:15; 99:9 among [1] 14:5 amount [12] 9:23; 12:3; 44:10; 47:20, 21; 49:5: 89:3; 94:19; 96:9; 97:21; 98:12; 108:16 amply [1] 92:11 Amy [3] 1:22; 110:12: 114:11 Angeles [6] 45:10. 11. 19: 46:11; 47:5; 63:6 annual [3] 43:18; 44:6. 46:2 another [8] 8:14; g:3; 24:6; 27:22; 58:16; 82:20; 83:23 answer [4] 44:5; 88:20; 90:6; 107:5 answers [1] 21:7 anticipated [1] 23:1 antique [1] 78:22 anybody (4] 58:24; 102:25; 103:9; 109:22 anyhow [1] 107:2 anyone [2] 11:1; 29:19 Anything [2] 112:12; 113:2 anything [11] 8:13: 11:17; 19:21; 51:12; 61:6, 9; 65:4; 84:20; 86:21; 111:18, 23 anytime [1) 88:23 anyway [2] 93:12: 108:21 apartments [4] 101:21. 22. 24; 102:1 apologize [1] 10:9 apparent [2] 34:13: 56:5 apparently [6] 11:1; 20:10, 22; 21:1: 57:17; 109:5 appear [3] 99:12, 13; 108:23 appearance [1] 30:21 APPEARANCES [1] 2:1 appearing (1] 27:2 ppears [3] 38:8; 77:6; 81:1 apple [1] 68:17 appointed [1] 16:22 appreciate [2] 7:5; 111:9 approach [3] 9:17, 20; 72:3 appropriate [5] 8:10; 23:3; 27:13; 39:16; 63:14 approval [1] 56:25 approved [2] 42:14; 105:22 approximately [1] 45:18 April [3] 84:6; 111:13, 14 Are [10] 23:20; 36:13; 41:7, 10; 63:19; 73:13; 84:23; 95:11; 99:21; 103:14 are [77] 5:9; 7:4, 23; 8:6; 15:12; 16:3; 20:21; 21:7, 25; 22:8, 11, 12; 23:9; 25:2; 26:23; 29:9; 31:21; 32:13, 19; 33:4, 11; 34:7, 8; 35:20; 36:12, 15, 16, 23; 37:19; 38:3, 4, 17; 39:5, 10; 40:1; 41:2, 17; 49:18; 50:6, 18; 52:16; 55:7; 56:8; 60:12; 63:16; 67:14; 83:14, 18, 21; 84:4; 86:17; 91:10, 12; 92:14; 93:21; 94:4; 95:18; 96:16, 19; 98:21; 99:6, 8, 10; 100:7; 104:22, 23; 105:12; 107:8; 108:23; 112:15, 22, 25; 114:2 argue [3] 67:25; 68:3 arguing [1] 54:23 argument [4] 10:10; 19:11; 50:18; 108:6 arise [1] 34:12 around [3] 11:3; 77:11; 91:12 arrangement [4] 6:22, 25; 7:16 Art [3] 74:9; 77:6, 7 ASCII [1] 110:13 ascribe [1] 20:21 aside (3] 11:8; 107:7 ask [16] 8:17; 12:20; 21:5, 9; 38:11; 49:19, 21; 50:8, 21; 61:23; 72:4, 12; 86:17; 91:11; 95:14; 98:9 asked [12] 7:7; 29:12; 30:6; 49:24; 88:18; 89:11, 23; 90:2, 10; 91:12, 13; 95:13 asking [5] 5:9; 8:9; 29:18; 93:18; 99:3 assert [3) 30:14, 15; 31:21 asserted [7] 11:19; 31:4, 6, 10, 11; 67:5; 105:12 asserting [1] 67:3 assertion [3] 19:3; 59:13; 67:8 assessment [1] 29:18 assets [26] 14:9; 25:13; 26:2; 27:20; 28:5; 30:5, 7, 10; 31:17, 22; 33:23; 36:13, 24; 37:6, 18, 25; 38:3; 39:12; 48:12; 50:18; 67:4, 6, 10, 13, 14; 105:12 assist [3] 5:13, 22; 7:8 associated [1] 73:22 assume [4] 14:7; 60:9; 70:11; 111:17 assumed [3] 58:1; 61:4; 93:2 assuming [3] 99:6; 109:8, 10 assumption [6] 13:2; 52:23; 53:4, 25; 58:6; 59:12 assumptions [2] 93:11, 12 attempting [1] 49:3 Attend [1] 40:3 Attorney [6] 5:21; 7:16; 12:18; 23:17; 26:12; 39:13 attorney [4] 8:14; 28:12, 23; 107:8 attributable [1] 53:8 AUDITOR (118] 4:2; 6:3; 7:14; 8:3; 9:22; 10:5; 11:22; 13:6; 16:7; 17:11, 19; 18:1, 4, 16, 20; 19:18; 20:18; 21:1, 9, 12, 15, 18, 20; 22:16; 23:13, 20, 23; 26:12, 20; 27:10, 23; 28:21; 29:7, 17; 33:16; 36:1, 10, 21; 37:11; 38:20; 39:13, 23; 40:6, 20; 49:24; 50:4, 19; 51:5, 21; 52:9, 13; 55:8; 57:6, 17; 58:5, 23; 59:7; 60:3, 15; 61:14; 62:21, 22; 65:10; 66:12; 68:13; 69:16; 70:1; 72:4, 20; 86:22; 87:18; 89:18; 90:17, 19, 22; 91:1, 7, 20; 92:5, 17, 25; 93:18, 23; 94:1, 14, 17; 95:2, 4, 13, 19, 22; 96:19; 102:5; 104:7, 11, 17, 19, 22; 105:2, 7, 18; 106:4; 108:12; 109:10; 110:3, 7, 9, 12; 111:1, 8, 25; 112:5, 8, 12, 17, 20; 113:2 Auditor [1j 1:14 auditor (6] 12:20; 24:18; 28:1, 11; 29:2, 19 AUDITOR'S [1] 1:12 auditor's [5] 29:8; 107:13, 25; 112:1, 16 August [1] 30:3 Aunt [2] 71:23; 84:17 aunt [1] 89:9 authorities [5] 29:12, 18; 110:17; 111:13; 112:15 authority [6] 7:11; 51:22; 52:3; 60:22; 69:8; 107:4 authorization [4J 67:11; 82:2; 86:14; 100:22 authorize [7] 57:9; 76:24; 77:21, 24; 78:13, 18; 81:7 authorized [5] 57:10; 69:6; 70:8; 82:12; 105:15 auto [1] 82:9 automatically [1] 35:1 available [1] 67:24 avenues [1] 9:1 aware [5] 4:19; 61:25; 84:23; 86:20; 88:10 away [1] 42:25 -B- Back [2] 45:20; 95:4 back [32] 6:12; 13:4; 16:14; 21:20; 45:16; 46:9, 10, 12; 48:7, 14, 15; 50:4; 55:21; 57:14; 61:2; 62:8; 64:7, 12, 14; 65:21; 71:2, 17, 24: 74:2; 75:18: 85:13: 87:21: 91:25; 95:11 100:10; 102:24 background [2] 24:14: 68:17 Bahamas [1] 47 7 bakery [1] 75:23 balanced [1] 103:16 BANK [1] 2:12 Bank [6] 25:2:. 27:2; 73:19; 97:12; 98:23: 99:2 bank [9] 10:12, 15; 28.15: 49:18; 73:19; 97:15; 103:8; 111:17 bankrupt [1] 44:3 Based [1] 24:11 based [2] 9:12; 57:24 basement [1] 85:12 basic [1] 53:7 Basically [1] 5:8 basically [6] 6:24; 15:25; 37:14: 38:9; 48:2; 50:7 basis [12] 23:5: 25:9. 12: 30:5, 12. 13; 34:1, 3; 44:6; 46:2, 11; 109:6 bathing [1] 75:13 be [117] 4:3, 19; 5:22; 6:13, 23; 8:1, 5, 10: 9 1. 5. 10, 16, 17: 11:4, 6: 15:8. 24; 16:4, 5, 8; 19:7, 21: 20:2, 15; 22:5; 23:1. 7: 25:8, 9, 16; 26:9, 10, 15, 18; 27:13, 18, 20; 28:3, 12; 29:4, 12 17, 23; 31:2: 32:12; 33:22; 34:4. 12. 15. 19, 22; 35:2, 13; 36:18, 37:5, 12, 15; 38:4; 39:12; 42:9: 50:7; 51:8. 11, 18, 23; 53:4: 54:11, 24; 55:9. 22; 58:22; 60:11, 18; 62:8; 67:17, 20; 68:11; 70:15, 16; 71:8, 21; 72:16; 74:8. 77:6; 80:6; 81:1; 88:25; 91:5; 92:3, 14; 93:9. 11: 94:13, 15; 95:1; 97:15; 99:12, 14; 105:3; 106:13, 14, 16; 107:2, 12, 21, 24; 108:3, 13, 21, 23; 109:25: 111:4, 11, 18; 112:1. 8 bear [1] 96:23 earing [1] 28:2 became [3j 54:16; 55:1; 67:16 Because [3J 22:13; 25:19; 95:20 because [42] 12:16; 13:12; 15:1; 16:8; 20:10, 15, 22; 22:18, 20; 23:10; 25:19, 25; 34:8; 35:1; 37:7, 8; 38:22; 39:10; 43:20; 44:3; 55:3; 58:1; 59:14, 19; 61:6; 63:6, 10; 65:8; 68:21; 69:11, 18, 21; 71:22; 78:24; 81:19; 83:7; 85:6; 89:2; 93:21; 107:2 bed [7j 78:22, 23, 25; 79:2, 3 bed-ridden [1] 84:15 bedding [1] 78:12 been [53] 4:17; 5:4, 6; 7:24; 8:17; 9:18; 10:12, 13; 14:6, 15; 20:23; 23:3; 24:2, 9, 19; 25:1, 3, 11; 26:8; 27:1, 7; 28:24; 31:20; 32:4, 6, 13; 36:24; 37:19; 40:25; 44:11, 24; 49:3, 6; 51:7; 58:8; 59:10, 13; 64:3, 5; 66:4, 6; 68:11, 13, 15; 71:23; 73:2; 81:20; 82:6; 87:7; 92:9; 98:1; 105:14 BEFORE [1] 1:14 Before [1] 44:16 before [30] 11:18; 14:15; 15:16; 23:12; 29:20; 31:1, 9, 14, 20; 32:6, 16, 21; 43:7, 11; 48:15; 57:14; 59:4; 61:22; 63:23; 65:1; 66:8; 69:24; 71:8, 9; 74:21; 83:1; 84:8; 91:17; 100:10; 106:9 beforehand [1] 94:5 begin [1] 23:12 beginning [1] 62:12 behalf [2] 27:2; 38:17 behind [1] 72:25 being [13] 25:24; 29:14; 32:16, 20; 40:9; 51:11; 55:20; 70:21; 71:3; 85:6; 86:9; 88:12; 98:17 believe [29] 18:5; 20:4; 22:23; 23:25; 27:16; 29:7, 12; 42:6; 43:2, 9; 44:23; 46:16; 47:15; 53:23; 57:8, 20; 62:14; 72:2; 80:13; 81:21; 88:16, 21; 90:6; 96:3; 97:7; 98:7; 109:11, 15; 111:3 believing [1] 70:9 belongs [4] 10:17; 52:17; 53:15; 54:19 below [2] 81:10; 101:14 beneficial [1] 53:3 beneficiaries [2] 14:6; 25:15 benefit [10] 51:10; 56:10, 21; 58:10; 60:4, 22; 61:5; 66:25; 86:13; 87:11 beside [3] 62:9; 65:19; 89:5 best [2] 10:6; 75:11 better [1] 84:18 between [5] 6:14; 8:23; 15:2; 22:21; 54:12 beyond [4] 16:24; 91:25; 95:11 bill [2] 76:10; 83:9 billing [1j 63:8 bills [10] 63:12; 74:12; 84:20; 85:5, 7, 15, 21, 25; 86:1; 106:2 binder [1] 72:24 birthday [1] 63:23 biscuits [1] 75:22 bit [2] 43:24; 49:23 bites [1] 68:16 bitter [1] 111:4 Blue [4] 76:2, 11, 15, 19 body [1] 82:9 Boiling [4] 40:18; 45:16; 46:9; 71:2 boogeyman [1] 109:23 book [2J 95:7; 102:21 bore [1j 99:25 borrow [2] 47:21; 48:5 borrowed [2] 47:18, 19 both (4J 57:22; 98:18, 19; 112:15 bottom [3] 73:14; 76:1; 83:16 bought [5] 63:22; 79:17 18, 21, 22 bounds [1] 19:25 Box [1] 40:18 box [1] 78:24 BRADSHAW [9] 2:11; 26:18, 21; 27:15; 28:6; 29:3, 10; 111:21; 112:11 Bradshaw [1j 112:10 brand [1] 32:20 break [9J 21:11, 13; 29:16; 49:22, 25; 52:8; 69:16; 93:21; 94:11 brief [6] 21:19; 50:3; 52:10; 94:1; 95:1, 3 briefing [1] 107:24 briefly [2] 26:19; 42:13 briefs (2] 107:1, 19 bring [3] 49:8; 75:18, 21 brings [1] 9:11 broad [1] 36:23 broke [1] 64:17 broken [1] 71:6 brokerage [3] 11:9; 48:21, 24 brothers [52] 4:10, 16, 20; 5:1; 6:14, 24; 8:11; 9:1, 16; 10:3, 15, 22, 23; 13:17; 15:2; 16:13, 18; 18:6; 20:5, 21, 25; 22:8; 25:4; 29:23; 30:2, 4, 16; 31:4, 10, 23; 32:25; 33:2, 4, 8, 22; 35:9, 15; 36:12; 50:18; 59:25; 67:2, 5; 69:14; 94:3; 105:12; 107:15; 110:18, 20; 111:12, 15; 112:2 brought [1] 14:13 build [2] 79:1 bunch [2] 56:9; 68:23 burden [6] 53:19, 20; 68:7, 20; 69:8; 91:1 business [11] 19:3; 31:9; 44:18; 45:23, 25; 46:6; 47:2, 4, 13; 63:10; 64:11 buy [2] 48:5; 75:18 BY [22] 2:2, 5, 9, 11; 40:12, 23; 42:1; 49:16; 50:5; 61:20; 62:22; 65:17; 70:25; 72:22; 87:9, 20; 89:20; 95:6, 24; 96:22: 100:17; 102:5 By [3] 3:3, 4; 80:3 by [40] 10:15: 17:14. 16: 18:12; 24:20; 25:1, 20, 24; 28:23; 32:23; 35:15: 38:22; 47:23; 48:17; 50:10, 24; 51:13. 17, 19; 52:19; 53:2, 4; 54:5. 7; 67:22: 68:9; 83:15. 23: 84:4; 88:18; 89:9; 92:24: 96:15: 98:7; 106:20, 108:10: 110:6; 111 13, 112:1; 114:3 -C- C [1] 4 1 C.S.A [1] 54:17 California [1] 63:11 call [6] 4:9; 15:18; 21:4; 23:6; 30:24; 40:1 called [3] 24:9; 40:8: 70:20 calling [1] 20:5 calls [1] 70:17 came [4] 26:23; 67:22; 71:23; 103:13 Camp [1] 43:13 Can [6] 36:8, 11: 58:25: 80:5; 85:3; 110:5 can [53] 4:15; 6:9; 10:2: 11:15. 16, 25: 14:16: 16:5. 9, 11; 21:5. 11: 22.4. 23:19; 26:10; 27:16: 32:24; 40:20; 45:22: 46:2. 49:13; 50:4, 9; 51:18; 55:16; 56:19; 57:12, 20 68:16; 69:18; 70:1; 81:23: 85:15; 86:24; 87:1, 4, 8; 91:20, 22; 92:19; 93:18; 94:12, 20, 25; 102:8; 104:25; 106:24; 107:4; 111:7; 112:4 can't [15] 13:12; 15:1. 19:22; 43:21; 44:1: 46:6, 7; 47:22, 25; 98:15; 100:12; 103:2, 11, 19: 108:9 cancer [2J 71:8, 9 annot [8] 32:19; 36:18; 46:4; 60:13; 69:21, 22; 86:25; 107:4 capacity [3] 37:8; 38:6; 45:3 Capital [1] 76:2 car [7) 79:16, 18, 21, 22; 81:17; 89:10; 90:7 Card [2] 97:19, 25 card [18] 7:15; 13:10; 60:20; 96:2, 9; 97:5; 98:2, 4, 19; 101:12; 103:22; 104:3, 4; 106:2, 8; 108:10, 18 cards [9] 6:19; 46:17, 19, 20; 96:15; 98:6, 18; 100:8; 102:12 care [1] 64:16 carefully [1] 94:7 Carlisle [1] 1:17 carry [1] 37:24 carrying [1] 38:14 case [32] 4:17; 5:11; 7:22; 8:18, 24; 9:5; 10:11; 11:25; 14:3, 16; 16:6; 18:8; 22:7; 24:2, 6, 9, 10; 26:24; 32:13; 35:11; 42:3; 53:14; 54:2; 55:22; 58:8; 61:3; 66:22; 67:22; 93:12; 107:19; 112:18 cases [1] 54:5 cash [3] 25:8, 14; 45:24 caution [1] 26:24 cents [1] 103:19 certain [2J 25:7; 34:9 Certainly [1] 100:1 certainly [27] 14:22; 19:15; 20:12; 22:20; 23:1; 26:13; 27:4; 28:15; 34:9; 37:5; 51:23; 60:5, 23; 62:25; 81:5; 84:18; 85:11; 86:22; 87:2; 91:15, 20; 92:6; 99:11; 106:24; 108:23; 109:12; 112:5 certify [1] 114:1 chair [1] 85:13 chance [1] 110:19 change [5] 16:11; 53:3; 98:14, 15; 102:13 changed [2] 70:10; 99:1 changes [1] 61:6 characterizing [1J 58:6 charged [2] 15:24; 46:17 charges [2] 28:20; 103:18 Charlotte [2] 84:17, 19 Chase [5] 97:18, 25; 98:2, 4, 7 chase [1] 11:5 cheated [1] 55:5 Check [1] 103:21 check [105] 7:12; 50:16, 22; 51:2; 59:17, 22; 65:21; 75:1, 8, 15; 76:1, 2, 4, 6, 8, 22, 24; 77:2, 3, 5, 16, 22, 24; 78:4, 5, 14, 16, 21; 79:8, 9, 11, 13, 15, 20, 24; 80:4, 7, 9, 19, 20, 22; 81:8, 10, 11, 13, 23, 24; 82:4, 12, 15, 16, 17, 19, 20, 23; 83:5, 9, 12, 19, 23; 85:8; 86:13; 87:10, 21, 22; 88:8, 9, 13, 17, 22; 89:4, 12, 24; 90:3; 96:1, 8; 97:9, 12, 18, 19; 98:10, 16; 99:17; 101:1, 4, 10, 14; 102:16; 103:5, 23, 24, 25; 104:5; 106:6, 7, 13; 108:5, 8, 9, 16, 25; 109:1 checkbook [6] 86:4; 102:6, 7, 11, 15; 109:3 checking [23] 31:18; 46:16; 50:16, 23; 54:13, 16; 55:5, 7; 67:15; 69:24; 71:12, 18; 72:18; 73:3; 74:2, 17; 84:23; 85:4; 87:11; 103:9, 12; 105:13 checks [98] 3:17; 5:13, 22; 7:8; 13:15; 14:1, 7; 49:18; 50:21; 54:23; 55:10, 19; 56:9, 20; 58:9, 16; 60:13, 22; 61:4, 17, 24, 25; 62:4, 10; 65:19, 20, 24; 66:1, 3; 67:10; 68:23; 70:14; 71:14; 73:4, 7; 74:3, 6, 8, 13, 17; 79:25; 83:14, 19; 84:3, 11, 14; 86:2, 3; 90:24; 91:5, 9, 10, 13, 18, 21, 23; 92:8, 14, 16, 18, 20, 23; 93:3, 6, 19, 22; 94:5, 8; 95:8; 96:17, 18, 23; 98:20; 99:4, 25; 100:7, 13, 19, 20, 23; 102:11, 18, 23; 103:3, 18; 105:16, 17, 22, 23; 106:1, 3, 14; 108:4, 22; 109:2, 6 children [1] 15:17 choice [1] 21:3 Christopher [5] 74:9; 77:6, 7, 12, 25 circumstance [1] 17:4 circumstances [12] 9:23; 81:15; 82:11; 83:4, 18, 19; 88:2, 17, 21; 89:6; 100:9; 105:20 cite [3] 52:15; 53:12, 23 cited [1] 54:10 City [1] 64:9 claim [8] 33:5, 6; 36:12, 14; 37:18; 50:23; 58:2; 59:25 claiming [1] 54:6 claims [3] 6:24; 26:6; 29:2 clarification [1] 35:8 clarify [1] 60:2 clear [31] 5:16; 10:18; 23:25; 24:14; 35:22; 36:4, 11; 37:7; 38:13; 39:9; 49:4; 51:21; 52:1, 3, 20; 53:16; 54:4, 21; 55:18; 56:12, 23, 24; 58:7; 61:11; 68:4; 70:6, 15; 106:19, 20, 21; 112:13 clearer [1] 106:10 clearly [3] 22:14, 23; 34:17 client [1] 8:14 climb [1] 36:5 close [1] 66:22 closed [1] 7:23 clubs [1] 41:18 Coast [2J 47:3, 5 COHEN [81] 2:2; 4:24; 7:5, 21; 9:7; 12:2; 15:10; 17:7, 17, 21; 20:25; 21:3, 11; 23:8, 19, 22; 37:13; 39:8; 40:1, 12, 23; 42:1; 49:15, 16; 50:1, 5, 20; 51:14; 52:7, 11, 14; 56:23; 57:16, 19; 58:18; 59:3; 60:12; 61:11, 19, 20; 62:19: 65:12, 15; 66.11 15; 67:21; 69:15; 72:12: 86:16; 87:3, 6. 20; 89:17; 90:18; 91:8, 18; 92:14, 22; 93:10, 17, 20; 94:12. 15; 95:1, 6, 23, 24; 96:21, 22; 100:14; 102:4; 104:10, 18. 20; 105:19; 108:2; 109:4: 110:2. 11, 25: 111:7 Cohen [6] 3:3 4:25; 21:24; 22:4; 54:10: 59:12 coherent [1] 8:2 collateral [1] 48:18 College (3] 41:10; 63:24: 64:1 COLONNA [63] 2:5; 10:2. 6; 18:24; 20:12; 21:14. 17 22; 29:22; 35:7:. 36:8. 1 1 ; 37:10: 38:15: 41 23. 49:12; 50:2, 14; 51.3; 54:9; 58:21; 59:5. 8; 65:13, 17; 66:10, 17; 69:17: 70:17, 25; 72:3. 7, 15, 22; 87:4, 8. 9, 17; 89:20; 90:15, 20. 23; 91:4, 15; 92:3; 93:1; 94:23; 95:11, 17, 20; 100:17; 102:3; 104:9, 12, 21, 25; 105:5, 9; 110:5, 10; 112:13, 19; 113:3 Colonna [3] 3:4; 38:7; 39:22 Cofonna's [1] 39:15 come [11] 4:9; 16:23: 17:2; 60:20; 63:10. 13. 74:15; 85:7, 15; 103:9: 109:22 comes [1] 19:17 coming [6] 5:3; 7:22; 55:21; 73:4; 83:6; 84:20 comment [2] 36:9; 38:23 comments [3] 27:11: 29:20; 52:22 commission [2] 110:23; 111:1 commissions [1] 44:4 Committee [1] 52:22 COMMON [2] 1:1, 5 common [1] 27:19 communicating [1] 28:8 ompany [5] 74:11, 12 78:11; 101:21 competent [1] 14:22 complaints [1J 109:21 complete [4] 41:21, 24; 102:25 completed [1] 65:13 completely [1] 55:7 complicated [1] 67:22 comply [1] 29:24 compulsory [3] 66:18, 24; 69:3 computer [2] 18:18; 85:1 conceded [4] 4:20; 13:17, 21; 17:5 concern [5] 4:7; 5:8; 10:15; 53:24; 91:8 concerned [5] 26:7; 57:10; 58:14; 60:8; 110:15 concerns [7] 4:13; 5:2; 6:10, 14; 7:4; 9:2; 55:18 concession [2j 17:7; 18:5 conclude [2j 58:17, 19 concluded [2] 28:13; 113:4 conclusion [2] 5:7; 35:11 conclusions [6] 6:7; 106:25; 107:18; 110:16; 111:13; 112:14 conclusory [1] 26:16 concur [1] 26:21 condition [3) 35:14, 18, 23 conditions [1] 35:10 conference [5j 4:12, 21; 13:16; 17:12; 28:9 confidential [4J 5:14; 12:23; 13:20; 18:22 confirmed [1J 94:3 conflict (4] 38:13, 20; 39:7, 9 conformed [1] 18:17 confusion [1] 24:15 congruent [1] 39:6 conjunction [1j 24:10 connection [1] 7:18 consider [5] 13:9; 20:12; 22:14; 44:13; 51:23 consideration (2] 12:22; 68:2 considering [1] 22:6 consistent [1] 26:13 construction [2] 77:10, 12 contained [1] 114:2 contemplated [1] 28:9 contend [1j 67:14 contended [1] 30:8 contention [3] 30:5, 12, 13 contested [1] 112:1 context [14] 5:14; 8:22; 9:2; 12:22; 13:16; 16:5; 17:4, 12; 23:3; 38:10; 50:22; 54:1; 61:23; 94:7 continually [1] 32:25 continuance [1] 35:13 continue [2J 6:25; 16:15 continuing [1] 86:17 contracted [1) 45:7 contradicts [1j 19:14 contrary [3] 51:23; 57:12; 109:14 contributed [1] 54:8 contributes [1] 53:15 contributions [1] 52:19 convene [1] 20:20 convenience [2] 60:21; 70:5 convincing [9] 10:18; 52:20; 53:16; 54:4, 21; 56:12; 68:4; 106:20, 22 copies [3] 49:9; 50:6; 112:6 copy [8] 18:18; 42:14; 57:17; 74:25; 110:4, 9, 13; 114:4 corner [1j 73:14 Corp [2] 101:15, 19 corporation [6] 44:19; 45:5; 46:18; 48:11, 14, 16 Correct [7] 46:21; 73:9, 11; 77:17; 84:10; 88:11; 102:20 correct [15] 16:3; 28:22; 30:21; 41:2; 42:9, 24; 52:6; 73:8; 77:19; 94:2; 96:24; 97:6; 99:9; 111:21; 114:4 correctly [1] 93:2 correspondence [1] 5:16 cost [5] 15:13, 18, 19; 16:7 cotrustees [7] 25:1, 2, 7 12, 17, 20; 26:1 Could [4] 40:15; 43:23; 46:25; 49:22 could [20] 10:24; 12:10; 13:9; 16:20; 18:6; 28:6; 44:11; 48:20, 24; 52:7; 56:14, 20; 58:18; 67:17; 82:14; 92:6, 7; 93:16, 20; 97:15 couldn't (3] 14:1; 65:8; 108:13 Counsel [1] 92:25 counsel [23] 4:8, 16, 19; 8:11; 9:19; 13:16; 14:22; 15:3; 17:5; 21:9; 23:5, 11; 30:20; 35:15; 38:1, 12, 22; 39:3; 72:9; 92:6, 19; 93:11; 94:3 counsel's [2] 18:24; 93:14 counter [1] 85:20 country [2j 41:1; 65:8 COUNTY [2] 1:1, 5 County [1] 1:16 couple [10] 21:25; 45:19; 59:8; 62:21; 81:22; 85:11; 93:21; 98:9; 100:7; 109:16 course [12] 5:11; 24:12; 32:9; 56:5; 57:12; 67:21; 69:5, 20; 70:7; 72:17; 92:6 COURT [4j 1:1, 2, 5, 6 Court [16] 9:9; 11:18; 12:21; 17:14, 24; 18:9, 10; 24:19, 20; 26:11; 27:3; 29:5; 53:14; 66:20, 25 court [4] 9:14, 21; 15:8; 107:13 Courthouse [1] 1:16 courthouse [1] 20:24 courtroom [1] 8:5 cover [3] 50:12; 72:19; 108:3 created [3] 10:20; 11:3; 69:23 credibility [1] 16:25 credit (24] 46:17, 19; 47:19; 48:3, 6, 17, 18; 96:1, 9, 15; 97:5; 98:6, 18; 100:8; 101:12; 102:12; 103:22; 104:3, 4; 106:2. 8: 108:10. 18 CROSS [2] 3:6; 87.19 Cross [4] 76:2. 11, 15 19 cross [8] 3:3; 20:5: 21:5; 23:6; 40:2; 65:14; 94.25: 106:15 Cross-examine [1] 87:18 cross-examine [2] 13:12: 91:16 CUMBERLAND [2] 1:1, 5 Cumberland [3] 1:16: 41:9; 75:24 cure [1] 32:22 current [2] 48:22: 49:1 custom [1] 78:23 -D- D [3] 2:11; 4:1; 76:15 daily [1] 63:15 DANIEL [1] 2:9 DATE [1] 1:15 date [13J 18:12, 16; 30:19; 55:13; 73:20: 82:23; 83:2: 97:23: 99:12, 14, 23 110:25; 111:1 dated [3] 18:14; 33:19: 99:18 dates [1] 9g 5 day [g] 9:3; 11:5; 16:13; 21:6; 27:22; 32:21; 70:3; 92:7, 21 days [13] 12:16; 19:4: 31:1, 9, 14; 32:2: 33:13: 34:15; 35:1, 20; 85:14, 21 deal [3] 22:21: 47:2; 94:22 dealing [7] 6:11; 22:5; 56:5; 57:13; 69:6, 20; 70:7 dealings [1J 72:17 death [15] 7:2; 14:5; 53:10; 54:15, 18, 25: 55:6. 13; 57:15; 59:21, 24: 63:18; 67.17; 83:1; 84:9 Deceased [2] 1:2, 6 decedent [1] 54:20 December [1] 30:16 deception [3] 19:1: 30:15: 31:12 ecide [1] 61:14 deciding [1j 66:24 decision [1j 9:12 decisions [1] 24:17 deductible [1] 81:20 deductions [1] 46:7 deer [4] 81:17; 88:2; 90:7 defend [4j 10:9; 15:11; 19:4; 38:9 Defendant [1j 66:21 defendant [1J 66:20 defense [4] 33:13, 14; 34:16; 35:14 defer [2j 27:13; 29:2 deferred [1] 28:24 deficiencies [1) 30:22 definitely [1] 112:17 degree [4] 11:11; 41:7, 20; 69:19 delay [3] 15:13, 19; 18:11 delayed [1] 17:1 delivered [3] 31:24; 35:24; 101:11 denied [1] 69:13 denies [1] 58:24 deny [3] 33:11; 34:3; 69:3 Department [1j 79:14 depend [1] 45:24 deposit [2] 52:20; 53:2 deposited [2] 60:6, 9 Deposition [1j 50:13 deposition [20j 12:6; 14:14; 19:12, 16, 19; 20:9, 17; 21:6, 8; 22:3, 21, 22, 24; 23:4; 40:5; 42:2, 12; 49:9; 88:13; 89:22 depositor [1] 59:11 deposits [3] 52:24; 53:9; 54:18 Describe [1] 71:5 describe [4J 30:4, 11, 12; 75:12 designated [1] 25:15 desk [2j 63:12; 85:12 detail [2] 26:15; 30:4 details [2] 62:23; 81:19 determine [2] 21:8; 33:10 develop [1J 11:25 developed [2] 24:11; 70:7 develops [1] 55:15 didn't [26j 13:21; 16:22; 20:16; 34:23; 35:5; 41:21, 24; 43:20; 44:1, 2; 45:25; 58:13, 14; 59:15; 63:5; 64:23; 71:20; 76:12; 77:15; 85:2; 86:19; 89:3, 4; 109:1; 112:23 died [4] 59:18; 63:21; 74:21; 106:9 difference [4] 13:19; 22:21; 37:4; 60:8 different [9] 10:19; 12:8; 39:21; 52:21; 53:17; 54:21; 100:19; 104:24 differently [1] 67:25 difficult [2] 57:8; 64:11 difficulty [3] 14:11; 48:16; 57:11 diligent [1] 103:2 Dingeldein [1] 75:23 dining [3j 62:7 DIRECT [2j 3:6; 70:24 direct [4J 20:15; 91:19; 94:25; 95:21 directed [2] 105:5, 10 directive [12] 4:8; 17:13, 18, 19; 20:1; 24:19; 26:17; 29:1; 34:1, 14; 60:16; 61:3 directives [3] 6:6; 53:24; 56:17 directly [1j 39:11 disagree [1] 9:25 disagreement [1] 27:8 disc [1] 110:13 disclosed [1] 32:8 discovered [2j 5:17; 12:16 Discovery [1j 30:2 discovery [12] 7:22; 10:14; 18:11; 19:16; 20:16; 22:23, 24; 23:4; 25:23; 32:9; 67:24 discuss [1] 63:1 discussed (4] 4:11; 13:14; 23:25; 92:24 discussing [2j 89:13; 100:2 Discussion [2J 18:3; 93:25 discussion [5] 23:10; 54:1; 68:25; 73:2; 94:2 display [1] 43:13 Disposition [1] 26:11 disposition [2] 28:25; 53:10 disproved [1] 53:4 dispute [2] 10:12; 54:12 distribute [2] 25:13; 26:1 distributed [3] 15:17; 27:18, 20 Distribution [3] 25:18; 27:6; 28:17 distribution [3] 27:9; 28:2, 16 DIVISION [2j 1:2, 6 DIXON [6] 1:1, 5; 2:7, 9; 40:8; 70:20 Dixon [89j 3:3, 7; 5:18; 6:2; 7:7; 12:4, 7, 19, 23; 21:2, 5; 22:8; 23:6; 24:3, 5, 8, 24; 25:3, 4; 33:13; 34:21; 35:12; 37:8, 17, 22; 38:1, 6, 10; 39:11, 20, 24; 40:2, 17; 41:2, 3, 14; 49:17, 19; 50:6, 24; 54:2, 11, 13, 17, 22; 55:19; 56:10, 25; 57:24, 25; 59:10; 60:6, 13; 61:21; 62:20; 68:10; 70:18; 71:1; 72:23; 73:8, 24, 25; 74:22; 82:14; 84:22; 86:12; 87:10, 21; 89:21; 90:24; 92:24; 93:3, 5; 95:25; 99:4, 5; 100:18; 102:6; 105:15, 19; 108:8; 109:6; 110:5; 111:18 Dixon's [9j 11:10; 21:23; 55:1, 11; 56:14; 67:17; 68:20; 69:23; 72:18 Docket [1] 24:24 docket [1] 39:21 docketed [2] 24:3, 8 document [5] 7:19; 19:17; 31:19; 57:13, 16 documentation [1] 13:11 documents [5] 7:18; 19:9; 34:9; 58:8; 72:24 Does [4] 29:19; 65:10; 69:16; 104:7 does [11] 5:8; 13:1, 19; 28:4; 52:25; 53:25; 58:19: 99:11, 13; 111:1, 10 doesn't [8] 48:11; 55:2; 59:19, 24: 60:7; 94:21; 105:20: 109:14 doing [11] 20:8; 50:7; 57:9: 58:3, 20; 61:24: 62:16: 77:18; 85.10: 86:23; 87:12 dollar [2] 55:2; 70:13 donative [2] 106:11, 19 done [5] 38:25: 39:1; 94:13, 15; 95:20 donee [1j 53:21 donor [1] 68:4 donuts [1] 75:23 door [1] 34:2 doubt [1] 17:17 down [11] 48:13, 16; 56 8: 66:13; 77:2; 78:4; 85:21; 86:4; 98:10; 102:17: 103:14 dozen [1] 91:3 draw [8] 43:19, 20; 44:1, 4, 11; 45:23; 46:1; 47:24 drawn [4] 6:6; 49:18: 55:20: 92:9 drink [1] 49:25 drove [1] 89:9 due [3] 30:3. 17; 49:5 duly [2] 40:9; 70:21 during [21] 4:23; 6:16: 18:7; 25:23; 32:8. 9: 34:21; 40:4; 44:21; 45:14; 46:22; 52:17; 55:5, 11. 63:9; 72:17; 83:7; 84:20; 90:24; 91:17; 109:20 duties [1] 38:14 duty [1] 37:24 -E- E [2] 4 1 e-mail [2] 33:19, 21 each [3] 30:7; 52:19; 100:23 earlier (3] 84:18; 92:1; 93:3 early [1] 71:21 asier [2] 85:9; 86:5 easily (1] 78:25 education [3] 41:7; 62:24 effect [8] 10:25; 59:24, 25; 60:1, 23; 68:7; 69:2; 105:8 effectively [1] 28:8 efforts [1] 35:9 eight [1] 19:3 Either [1] 75:19 either [6j 8:4; 30:21; 36:2; 46:17; 94:18; 111:4 elapsed [2] 8:23; 9:24 electric [1] 74:12 electronic [4] 84:22; 85:3; 86:3, 6 electronically [4] 85:6, 9, 17; 86:10 ELIZABETH [1] 2:6 else [9] 11:2; 22:2, 13; 24:16; 29:19; 72:5; 90:16; 112:12; 113:2 elsewhere [1] 46:22 email [1] 35:8 employed [3] 43:4; 64:10; 75:7 employee [1] 75:10 employees [1] 45:6 employment (5] 43:6, 7; 44:14; 56:1; 63:2 encompass [1] 36:24 end [9] 11:5; 16:13; 48:9; 70:2; 79:20; 85:16; 92:4; 102:13; 111:4 endeavor (1] 14:25 ended [1] 15:3 endometrial [1] 71:8 endorsed [2] 17:14; 18:12 endorsing [1] 18:17 enough [3] 17:11; 36:23; 69:19 enter [1] 66:21 entered [3] 21:2; 27:4; 30:20 Enterprises [3] 81:12; 82:7; 89:24 entertain [1] 107:21 Entertainment [1] 43:8 entire [2] 45:13; 89:13 entirely [3] 31:13, 19; 39:16 entirety [1] 108:5 entitled [1] 59:20 Episode [2] 89:14, 15 equally [1] 105:25 equity [2] 9:15 errors [1] 42:14 especially [4] 16:13; 17:3; 28:2; 100:10 ESQUIRE [6j 2:2, 5, 6, 9, 11 essentially (7] 10:11; 11:4, 22; 12:20, 22; 20:15; 105:11 establish [12] 51:11; 53:20; 56:13, 19; 57:3; 66:23; 67:2; 68:5; 69:4; 70:8; 92:11; 93:3 established [2] 18:5; 69:5 establishing [2] 12:23; 53:19 ESTATE [3] 1:1, 5; 2:7 Estate [14] 13:5; 24:3; 38:12, 22; 39:24; 41:3; 69:4, 7, 10, 11, 16; 110:19; 111:14; 112:2 estate [30] 14:9; 15:13, 14; 25:8, 14; 27:9, 18; 28:4, 17; 30:6; 33:23; 36:25; 37:1, 7, 19, 20, 23, 25; 38:4; 39:12; 49:4; 54:20; 60:1; 61:9; 67:4, 14; 68:11, 12 Estate's [4] 70:12; 103:22; 110:21; 112:24 estimate [3] 46:2, 6, 7 etcetera [2] 85:8; 98:19 eve [1] 32:21 Even [4j 13:25; 17:1; 70:3, 11 even [15] 10:24; 13:6, 9; 19:12, 17; 22:10, 16; 23:3; 34:15; 45:19; 48:20; 54:5; 61:1; 106:18; 108:8 event [4] 15:23; 24:16; 33:10; 112:22 events [1] 34:20 ever [9] 64:21; 65:3, 21, 24; 77:12; 86:12; 87:10, 14; 109:2 every [3] 14:7; 50:12; 103:11 Everybody [3] 59:2; 110:3, 9 everybody [3] 4:5; 55:14; 107:9 everyone [2] 27:16; 112:6 everything [6] 22:2; 54:25; 58:3; 59:20; 60:10; 103:16 evidence [84] 4:21; 6:10, 19; 10:4, 19, 25; 11:6, 14, 16, 20; 12:5, 25; 13:17, 21; 17:2, 5; 18:21; 19:6; 23:12; 29:12, 14, 21, 23; 32:7, 12, 15, 20; 33:2, 8, 22; 34:4, 7; 35:3, 10, 21; 36:3, 24; 37:6; 38:10; 51:4; 52:21; 53:16; 54:5, 21; 55:9, 16, 22; 56:3, 6, 11, 13; 57:21; 58:2, 12, 21; 59:2; 60:6, 17; 67:1, 7, 9, 23; 68:4, 7, 22; 69:4, 18, 22; 70:3, 12; 90:21; 104:11; 105:14; 106:20; 109:2, 4, 7, 8, 12, 13; 113:1; 114:2 evolution [1] 4:10 Ex [1] 3:17 exact [1] 15:8 Exactly [2] 27:23; 51:5 exactly [4J 37:16; 51:5; 71:20; 88:16 EXAMINATION [8] 3:2; 40:11; 65:16; 70:24; 87:19; 89:19; 95:5; 100:16 examination [4J 20:6; 23:6; 91:19; 106:15 examine [2] 21:24; 94:7 examined [2) 40:9; 70:21 examples [1] 93:8 except [2] 22:2; 67:10 exception [1] 88:25 exceptions [1] 62:5 excess [1] 26:24 exchange [1] 75:21 excluded [1] 32:12 Excuse [3] 48:25; 90:4; 96:19 excuse [2] 63:18; 110:5 excused [2] 66:14; 110:8 EXECUTOR [3] 2:7; 3 6. 16 Executor [10] 33:12: 38:12, 18; 39:3, 4: 66:18; 70:17; 72:21; 104:15; 112:26 executor [4] 37:22. 23 38:2; 41:3 Executor's [1] 38:16 exercise [3] 93:14; 107:15. 17 Exhibit [15] 32:3; 50:13, 16; 72:21.25: 73:4; 90:21 22, 23: 91:16; 103:22. 104:14. 16: 112:25. 26 exhibit [4] 10:23; 30:16, 19; 91:21 EXHIBITS [1] 3:15 exhibits [14] 10:21; 24:13. 30:25; 31:16, 23; 32:1: 33:5; 35:15, 24; 40:3; 49:8, 9; 50:7; 72:8 existence [3] 44:21: 48:10; 57:21 expenses [10] 12:12: 27:21: 28:11; 62:1; 75:19; 96:12. 15; 106:3; 107:25: 112:1 expert [1] 11:12 expiration [2] 110:22, 23 expire [1) 111:2 explain [5] 6:20; 14:1; 51:1; 85:3, 15 explanation [2] 32:15: 60:4 expound [2] 24:21: 28:7 express [2] 56:17; 65:3 extensive [1] 12:3 extent [7J 5:20; 9:14; 19:2, 14; 33:4; 68:9; 91:21 -F- F [3] 1:5, 14; 24:7 face [1] 16:17 fact [23] 4:16; 7:6; 8 4; 20:21; 32:24; 35:13; 52:2; 55:18; 56:24; 57:24: 58:12; 63:9; 64:8. 23: 67:9, 22; 69:5; 77:15; 06:25; 109:17; 110:16; 111:12; 112:14 facts [2] 7:24; 107:18 failed [6] 14:25; 32:25; 38:24, 25; 66:23; 67:2 failure [2] 9:19; 29:24 fairly [4] 34:17; 36:4; 58:7; 105:23 false [1] 35:6 family [1] 77:18 far [8] 15:12; 26:6; 35:4; 36:5; 57:10; 58:14; 60:8; 110:14 fashion [1] 26:16 fault [2] 14:12; 20:21 favorable [1] 67:1 February [5] 1:15; 30:23, 25; 31:9; 33:19 fee [1] 107:8 feel [1] 61:12 fees [16] 26:4; 27:21; 28:1, 10, 12, 19, 23; 29:2, 8, 19; 107:3, 13, 14, 25; 112:1, 16 felt [1] 42:21 few [11] 12:16; 20:11; 46:12; 63:6; 65:5; 71:24; 83:3; 85:21; 88:22; 99:8; 100:2 fiduciary [2] 27:3; 37:24 field [1] 20:6 Fifth [1) 1:16 figures [1] 44:8 file [6] 25:18; 27:5; 110:19; 111:12, 16, 19 filed [8] 14:4; 15:21; 24:2; 25:1; 30:18, 23; 39:18; 58:8 filing [4] 8:23; 18:25; 27:13; 111:18 film [1] 45:8 filming [1] 47:8 Final [1] 26:11 Finally [1] 30:23 finally [1] 31:15 financial [2] 15:19; 47:16 find [4] 13:25; 57:8, 11; 72:25 findings [6j 106:25; 107:18; 110:16; 111:6, 12; 112:14 Fine [1] 21:18 fine [8] 23:13; 28:15; 29:17; 94:23; 110:21; 111:19, 24; 112:10 finished [2] 64:6, 13 firm [2] 5:2; 38:2 firm's [1] 31:3 First [1] 63:25 first [14] 4:6, 12; 25:5; 29:15; 31:8, 24; 35:17; 50:12; 51:4; 61:3; 87:22; 96:18; 102:20; 110:19 five [4] 21:17; 52:8; 64:18; 100:12 fixed (1] 90:8 flipping [1] 90:24 Floor [1] 1:16 Florida [2] 41:25; 71:25 flow [1] 45:24 FLOWER [1] 2:8 Flowers [2] 101:2, 7 flowers [4] 74:13; 101:6, 8, 9 focus [6] 65:20; 66:1; 77:2; 78:3; 79:8; 82:15 folder [1] 102:8 follow [3] 20:14; 28:18; 72:8 following [2] 33:14; 99:19 follows [3] 40:10; 52:23; 70:22 forever [1] 16:9 Forgive [1] 29:10 form [3] 22:3; 33:18; 64:2 formation [1] 62:12 formed [1] 47:13 former [1] 15:2 Fort [3] 101:21, 22, 23 forth [15] 19:25; 25:6, 21, 22, 24; 28:1; 34:16; 39:1; 45:20; 46:10; 61:17; 91:22; 92:9; 107:14, 22 forward [3] 24:16; 25:10; 81:23 foundation [5] 14:2; 51:6, 8, 10; 59:14 Four [1j 32:1 four [3] 15:17; 24:25; 100:19 fourth [1] 77:2 frame [3] 78:23; 82:5; 87:6 frankly [4] 9:6; 14:14; 22:7; 27:25 fraud [5] 19:1; 30:15; 31:6, 12; 67:6 Friday [1] 34:25 Fritz [2] 1:22; 114:11 From [1] 75:17 from [64] 4:4; 5:16, 17, 24; 6:6; 9:7; 11:9; 12:17; 13:7, 8; 14:8; 20:5; 33:8, 19; 34:13; 45:23; 46:23; 47:19; 48:5, 19, 20, 24; 49:5, 9; 50:16; 52:4; 55:6; 56:5; 57:23; 58:7, 17; 65:2; 67:4, 6; 68:2; 70:11; 71:6, 8; 73:5, 19; 74:17; 75:23; 77:2; 79:21; 80:19; 84:23; 85:4; 86:13; 87:11, 14; 88:19; 89:22; 93:6; 100:8; 101:6; 103:8; 105:13, 16, 17; 107:7, 8; 109:2, 8; 110:5 full [1] 72:24 full-time [1] 44:14 fully [2] 5:1; 114:2 function [1] 48:13 funds [7] 32:5; 51:25; 52:24; 53:1, 16; 54:8; 62:11 FURTHER [1] 100:16 further [11] 18:11; 26:9; 66:11, 12, 15; 89:17; 90:19; 102:3; 104:7, 11, 21 future [2] 44:4; 68:3 -G- G [5] 4:1; 43:8; 44:2; 63:4; 64:24 gainful [1] 56:1 gave [1] 83:9 general [1] 63:2 Generally [1] 74:5 generally [5] 46:15; 71:23; 74:3; 105:21 generated [1] 2714 generous [1] 111:8 GEORGE [1] 1 5 George [7] 21:2: 22 8; 24:7; 25:2. 4, 9; 64:9 germane [1] 29;14 get [8] 14:19; 49:23; 59:9: 64:22; 65:8; 78:25: 102:23; 110:24 gets [2] 11:21; 59:23 getting [1] 20:24 Gettysburg [1] 63:25 gift [15] 52:1, 2; 53:1, 4. 19, 21: 54:1, 2. 6; 56:4, 7. 57:5; 79:23 gifts [9] 12:11; 13:1; 14:1. 8, 9; 31:5; 61:25:. 62:3: 70:16 Gilroy [1] 88:18 give [7] 6:8; 7:11: 9 16 49:13: 66:25; 79.24: 110:19 given [3] 12:13; 34:14, 24 giving [2J 7:11; 68:16 Go [3] 10:5; 23:15, 23 go [28] 13:4; 18:1. 23; 21:20; 49:17; 50:4; 56:8; 63:12; 64:7, 12, 14. 22: 68:2; 85:18, 20, 21. 24: 86:1; 91:25; 93:7, 23: 94:12. 21; 103:12. 15; 107:15. 17 goes [4] 5:9; 15:14; 35:5; 61:2 going [49] 6:13, 14, 17, 23: 9:5; 11:4, 6, 16; 14:21; 16:10; 19:7; 24:15; 32:13: 33:11; 34:3, 19; 35:1, 2, 4; 37:5, 11. 47:25; 49:17, 20; 50:11, 14, 20; 51:8; 55:17. 22; 57:14; 58:22; 60:17: 61:21: 64:10; 72:13; 84:20; 91:4; 92:14; 93 9. 14; 95:11; 98:9; 104:23: 107:1, 2, 10, 12; 108:21 going-forward [1] 25:9 gone [2J 16:20; 61:22 Good [2] 40:13, 14 good [1] 19:18 goose [1] 11:5 ot [6] 7:17; 58:23; 59:19; 62:9; 108:15; 109:16 graduate [2j 41:8, 10 graduated [1] 41:15 granted [4J 35:12, 13, 19; 67:20 great [4] 11:11; 22:20; 32:19; 47:2 greater [3] 26:14; 44:8; 46:5 grounds [1] 22:17 group [1] 93:22 guardianship [1J 16:22 guess (21j 9:22; 10:1; 11:8; 13:23; 15:10; 19:24; 20:15; 23:5; 44:5; 48:9; 56:18; 61:1; 91:8; 92:16; 93:16; 104:12, 23; 105:5, 10; 106:23; 107:7 gun [2] 106:6, 7 -H- had [63j 4:12; 5:13; 6:14; 7:7; 8:11; 12:14, 16; 13:23; 14:4; 19:2; 25:1; 27:1; 28:8; 29:11; 31:19, 25; 43:13; 44:18, 19; 47:6, 10, 11, 17; 49:7, 10; 56:1, 25; 57:2; 60:21; 62:15, 24; 64:25; 69:18; 70:4; 71:7, 21; 76:14, 15, 19; 77:9; 78:22, 25; 79:25; 80:11; 81:17; 83:7; 88:1; 90:6, 12; 91:15; 94:1, 4; 96:8; 97:5; 98:2, 18; 102:7, 11, 12; 109:20 hadn't [1] 71:9 half [2] 32:14; 94:13 hand [1] 92:18 handcuffed [1] 17:16 handed [1j 72:23 handling [1] 74:2 hands [1j 6:25 handyman [3] 74:10; 77:7; 105:23 hang [1J 94:18 happened [3] 55:13; 81:16; 108:25 happens [2) 52:3; 105:10 happy [3] 93:8; 107:21; 109:25 hard [5j 9:4; 19:20; 51:7; 106:10; 110:13 hasn't [2] 44:24; 59:13 haven't [6] 6:6; 34:10; 58:11; 71:17; 95:20; 109:16 Having [1] 33:16 having [7] 19:22; 21:24; 41:15; 55:14; 56:18; 92:8; 106:2 He [3] 38:6; 77:8; 106:7 he [64] 7:12; 12:8, 10, 13, 17; 13:22; 15:24; 19:14; 23:19; 26:5; 37:23; 38:10; 39:18; 40:4; 50:21; 53:2; 55:4, 5; 56:1, 4, 15; 57:2, 4, 9; 58:3, 13, 15; 59:17, 19, 22, 23; 60:20, 21; 61:4, 8; 64:10; 67:10; 70:9, 12; 77:10, 18; 86:23, 24, 25; 87:1, 2; 91:11, 13; 93:5; 105:16, 19, 20, 21, 22, 25; 108:9, 12, 13, 14, 22; 109:9 he's [1] 61:6 head [5] 44:7; 46:4, 8; 47:23; 111:3 heads [1] 6:8 health [4] 75:12; 76:11, 17, 19 hear [10] 11:6, 16; 12:1; 19:6; 35:3, 21; 36:3; 51:3; 93:12; 106:4 heard [4] 26:18; 31:2; 33:16; 61:1 HEARING [1] 1:12 Hearing [1] 1:16 hearing [17j 13:6; 20:19; 21:2; 22:5; 24:1, 9; 26:9; 29:13; 31:1, 10, 14; 32:17, 21, 22; 33:14, 24; 113:4 hearsay [2] 13:8; 22:2 heavy [1] 72:23 held [3] 18:3; 25:8; 93:25 help (1] 45:7 helped [3] 63:10; 74:10; 75:12 helpful [1] 112:9 helping [1] 64:9 helps [1] 37:10 her [77] 4:23; 5:21, 22, 24; 6:2, 16; 7:8, 9, 11; 11:12; 18:7; 38:12, 14; 39:22; 50:25; 54:12, 15, 25; 55:6, 13, 20, 24; 56:4, 25; 57:1, 15; 58:4; 59:21, 23; 63:3, 4; 64:17; 65:22, 24; 66:5; 67:11; 70:10, 15; 71:10, 11, 14; 74:2, 7, 17, 21; 75:19; 78:25; 79:2, 25; 80:1, 2, 3; 83:9, 10; 85:7, 14; 86:23; 87:1, 2, 12; 89:11; 96:13; 98:6, 19; 99:20; 102:12, 13; 105:21; 106:2; 108:10, 19; 109:3, 8 Here [1] 67:2 here [53] 6:5, 12; 11:23; 12:5; 14:12, 13, 22; 15:11; 16:9, 24; 17:2, 6; 19:5, 24, 25; 20:4, 11, 22, 25; 21:3; 22:10; 26:23; 28:8; 34:20; 35:4; 36:3, 23; 38:17; 39:5; 53:18; 54:23; 56:7; 57:13; 58:24; 60:20, 21; 61:1, 3, 15; 68:2; 69:18; 86:18; 92:7, 12, 20; 99:8; 103:20; 107:11, 22; 108:15; 109:22; 110:23 hereby [1J 114:1 hers [1] 105:25 herself [2] 71:9; 100:11 hesitation [1] 8:8 High [1] 41:9 high [4] 41:7; 44:3; 63:19; 78:25 highest [1] 41:6 Hill [4] 43:14; 101:15, 19, 20 hill [1] 36:5 him [21] 5:20; 7:11; 13:1, 3; 14:2; 21:5, 24; 23:20; 40:3; 50:21; 51:1; 67:1; 86:17; 91:11, 16, 17; 93:18; 95:14; 98:9; 109:11, 15 himself [2] 39:4; 55:6 hip [2] 64:17; 71:7 HIPPEL [1] 2:2 His [1] 109:12 his [44] 5:14; 7:12; 12:12, 14, 24; 13:23; 14:8; 15:25: 25:6; 33:14; 38:1, 6; 40:5: 51:1, 13; 55:3. 5. 25; 56:21: 58:9: 59:13: 60:22, 61:5; 67:6, 11 68:10: 86:17, 18, 19, 24; 90:25: 91:19; 105:25; 106:1, 2. 3. 8; 108:11, 12, 18; 109:7, 19 history [2] 7:2; 16:24 hit [3] 81:17; 88:2 Hollywood [6] 44:18. 21; 45:9; 46:16; 48:9; 63:5 Home [2] 75:10, 14 home (11] 63:7; 64 7 65:2, 7; 71:2, 23; 74:2, 75:12; 77:15, 18; 89:3 hope [1] 34:17 hopefully [1] 17:8 host [1] 105:23 hour (4] 14:13; 16:24: 94:13, 22 house [8] 7:8; 57:25. 63:20, 22; 77:9, 11; 83:6, 8 housekeeper [3] 74:9: 75:6: 105:24 Houston [1] 32:11 How [7] 21:15; 40:24: 47:9: 63:16; 64:4: 79:20; 83:1 how [23] 8:15; 9:4; 11:14: 13:9; 14:16; 19:12, 17; 37:1; 39:2; 44:6: 50:17 51:8; 56:1; 57:11; 61:5, 9: 62:24: 64:1; 68:16:. 85 3. 15, 16; 91:14 However [1] 69:21 however [1] 16:14 hundreds [2] 92:15, 16 hungry [1] 107:10 I'd [20] 9:10: 23:10; 72:24; 73:12; 74 22. 75:25; 77:1. 2: 78:2. 3; 79:7; 80:4. 16; 8122: 82:15; 89:21: 92:3: 100:25.: 108:13 'll (17] 10:9; 19:10; 20:12, 17; 29:15, 25; 37:12; 49:12, 15; 50:7; 59:8; 79:22; 97:13; 107:21; 108:22; 109:25; 112:5 I'm [52J 4:15; 6:13, 17, 23; 8:3, 20; 14:18; 15:6, 11; 16:9, 10, 12; 17:15, 24; 34:25; 36:2, 3; 39:25; 42:7; 43:23; 44:11; 49:20; 50:14, 20; 52:11; 55:17; 57:10, 13; 60:9; 63:17; 93:8; 97:3; 98:2, 9; 99:3, 13, 17, 20, 21, 22, 24; 100:2, 5; 105:2; 107:5, 10, 16; 108:14; 109:10; 111:9, 10; 112:20 I've [7] 8:25; 34:17; 41:1; 49:6; 72:23; 76:19; 99:1 idea [1] 56:1 identified [4] 10:14; 31:20; 32:2; 92:23 identify [2J 49:20; 50:10 identifying [1j 99:10 ignorance [1] 17:8 ignoring [1] 36:2 III [1] 21:2 illegible [1] 97:14 illustrate [3] 14:23, 24; 91:22 imagine (4] 9:4; 19:21; 51:7; 106:10 imagining [1] 57:11 immediately [2] 54:15; 67:16 implication [1] 34:23 implicit [1] 60:16 import [1] 26:15 importance [1] 33:1 important [1] 91:5 improperly [1) 55:4 inability [1] 10:9 incapacitated [1] 58:2 incapacity [8] 4:22; 18:7, 21; 55:23; 56:11; 57:1; 58:14; 61:7 include [2] 28:19; 30:9 included [8] 18:9; 30:6; 33:23; 36:25; 37:6; 38:4; 67:18 including [1] 25:13 inclusive [1] 112:24 income [6] 15:15; 43:18; 44:17; 46:3; 49:1, 3 incorporated [2] 44:23, 24 incorrect [2] 41:17; 99:11 incurred [1] 28:23 indeed [1] 36:14 independent [3] 57:21; 61:12; 109:7 INDEX [2] 3:1, 15 indicate [1] 38:18 indicated [3] 34:17; 35:8; 72:16 indicates [3j 12:8, 17; 106:19 indication [1] 106:11 individual [6] 38:6; 39:17; 51:16, 19; 53:8; 54:7 Individually [1] 2:10 individually [4] 24:6, 25; 39:5; 111:18 industry [1] 45:8 influence [19] 4:22; 11:13; 13:18; 17:6; 18:7, 21; 19:6; 22:12; 30:11; 31:7; 33:6; 36:16; 37:7; 55:23; 56:11; 57:1; 58:3, 15; 61:8 information [1] 7:24 initial [2] 47:16; 63:7 initially [SJ 5:25; 14:3; 24:25; 52:15; 53:20 insensitive [2] 8:3; 68:14 instance [1] 62:18 instances [1] 12:9 Instead [2J 75:10, 14 instead [2J 21:24; 85:7 institutional [1] 27:3 insurance [6] 76:10, 11, 18, 20; 81:20; 98:18 intelligent [1] 6:12 intend [6] 5:19; 18:25; 32:7; 52:25; 56:19; 72:19 intended [5] 26:15; 53:5, 21; 68:5; 112:23 intending [4] 22:8, 11, 12, 13 intends [1] 53:2 intent [11] 10:19; 24:12; 52:21; 53:17; 54:21; 56:4, 14; 68:21; 69:23; 106:11, 19 intention [4] 27:5; 70:4, 10, 16 inter [1] 27:6 interest [7] 15:15; 17:8; 38:13, 21; 48:7, 19, 23 interested [3] 22:5; 37:12; 72:16 interesting [2] 64:25; 65:1 interests [2] 39:4, 5 Internet [1] 64:25 interrogatories [1] 30:3 interrupted [1] 85:24 Interstate [1] 20:23 intervening [1] 89:8 into [19] 5:23; 7:22; 10:10; 12:5; 15:15; 20:24; 28:17; 35:5; 51:19; 52:2; 57:23; 62:11; 67:22; 68:6; 70:6; 78:25; 90:7, 21; 91:9 introduce [7] 12:5, 15; 33:2; 34:4; 35:10; 37:5; 92:23 introduced [6] 34:7, 8, 19; 40:4; 92:15; 95:14 introduction [1] 20:9 investigating [1] 15:25 investment [2] 47:16, 20 investments (2] 44:20; 49:2 involve [1] 28:1 involved [1] 4:17 involving [1] 66:19 IRA [1] 32:3 irrelevant [1] 55:7 irrevocable [1] 53:1 isn't [2J 70:4; 104:24 isolated [1] 108:23 isolation [1] 8:22 issue [25] 9:3; 10:13; 11:7, 17, 21; 13:14; 18:10; 22:6; 29:14; 35:6; 53:18; 55:13, 21; 68:1, 20; 69:21, 24; 93:9; 107:7, 12, 23, 24; 108:7; 111:25; 112:16 issued [1] 17:18 issues [10] 27:25; 28:22; 32:3; 37:17, 18; 38:7; 39:10; 107:3, 8 It's [15] 14:12; 35.17: 37:21; 40:25; 49:2; 50:11; 51:21: 68:15; 73:19: 78:11; 81:5; 82:5. 18; 102:17; 108:17 it's [41] 8:12, 16, 24: 9:4: 11:16: 13:8; 14:20: 15:19: 19:20; 20:20; 24:12. 14. 22; 34:14, 23, 25; 428. 44:24: 48:10; 50:17: 51 7 55:3; 57:17; 58:6: 59 23: 68:24. 25; 70:6: 81:3; 90:12; 91:5; 92:17; 93:2. 9; 94:2; 104:23; 106:10; 108:12, 16; 111:2 itemization [1] 28:19 itemized [2] 30:9; 103:19 items [1] 34:7 its [3] 5:6; 27:19: 81:18 IVY [2] 1 1; 2:7 Ivy [9] 34:21; 39:20. 24; 49:19; 56:14; 60:6; 73:8, 24; 99:5 -J- J [1] 2:3 January [1] 30:20 jar [1J 75:20 Jerry [1] 44:2 job [3] 43:15; 64:22; 109:20 joint (29] 5:12; 6:1 ; 7.19; 10:12. 17; 11:3. 9: 31:18: 50:16. 23; 51:15 , 25; 52:17; 53:11, 14; 54.19; 58:23; 61:6; 67:15: 68:5: 69:23; 70:6, 14; 71:18; 79:21; 87:11; 90:12 jointly [7] 47:12; 51:13. 17; 58:25; 59:1, 3, 5 JR [1] 1:6 Jr [1] 24:8 Judge [2] 14:18; 24: 20 Judge's [1] 18:17 judgment [1] 105:4 July [1] 73:21 juncture [1] 26:6 June [2] 59:6; 73:21 jury [1] 105:11 K- Kansas [1J 64:8 Kee [4] 75:9, 10, 16 Keep [1] 110:22 keep [4J 6:5; 55:21; 68:16; 80:2 keeping [1] 92:5 KEHNER [1J 2:3 kept [5] 68:11; 79:25; 102:10, 12; 103:3 KEVIN [1] 2:3 KIMBERLY [1] 2:5 kind [4] 27:9, 19; 74:3; 102:15 kitchen [1] 62:6 knew [14] 16:18; 55:23, 24, 25; 58:3; 63:3; 83:25; 86:7, 9, 18, 19; 87:7; 89:4; 109:9 know [68J 7:1, 3, 22; 8:7, 10, 15; 10:8; 13:23; 15:3, 7; 19:17, 19, 20; 22:10; 23:16; 24:5; 35:2; 37:3, 12, 16; 41:18; 42:5; 43:24; 44:6; 55:12, 15; 57:14; 59:14; 62:23; 64:10; 70:2, 13; 71:10, 17; 72:9; 75:13, 21; 76:8, 21; 81:3; 82:19; 83:8, 11; 86:19, 23; 89:3; 90:2; 91:13; 92:1; 94:20; 96:2, 12, 14; 97:1, 8, 16, 25; 98:5, 6, 16; 107:5, 9, 16; 108:20; 109:22, 23; 111:20; 112:9 knowledge [2] 34:10; 86:14 known [1] 87:2 knows [1] 108:9 -L- L [6] 2:9; 3:3, 7; 40:8; 70:20 lack [1] 17:8 lacked [1] 37:8 laid [2] 51:7; 59:13 language [1] 60:16 large [1] 108:16 larger [1] 47:20 last [17] 5:17; 24:19; 28:9; 32:16; 35:16; 42:6, 15; 43:6; 64:2, 18; 66:4; 74:20; 79:8, 16; 80:4; 85:11; 97:18 late [5] 9:8; 30:9; 64:3; 65:6; 67:23 later [2] 28:25; 85:21 latest [1] 18:24 latter [1] 84:15 Lauderdale [3] 101:21, 22, 23 law [13) 5:2; 50:25; 51:15, 22, 25; 52:4, 6; 106:25; 107:19; 109:15; 110:16; 111:13; 112:15 lawn [1] 77:8 lawn-mowing [1] 77:10 Lawrence [1] 40:17 lawyers [1) 12:4 lay [1] 51:8 lead [1] 11:17 leak [1] 10:9 least [4] 9:15; 27:16; 57:6, 7 leave [4] 20:9; 69:4; 75:20; 111:25 leaves [1] 34:2 led [1] 24:15 ledger [4] 102:21; 103:1, 4, 6 LEE [1] 2:11 left [3] 15:14; 28:4; 64:1 legal [1J 52:14 legitimately [1] 13:2 Lemoyne [5] 78:6, 9, 10, 20; 79:1 length [2] 4:11; 13:15 less [3] 48:20; 59:19, 23 Let [1] 71:17 let [11] 6:25; 10:1; 11:23; 14:16; 23:16, 20; 65:21; 94:20; 104:14; 108:4; 111:20 Let's [3] 18:1; 93:23; 96:16 let's [3] 50:12; 66:1; 87:21 letter [2] 12:15; 13:7 level [1] 41:7 liability [2] 28:22; 66:22 lie [1] 53:25 life [5] 55:5; 66:5; 72:18; 74:16, 21 lifestyle [2] 55:25; 65:4 lifetime [6] 4:23; 6:16; 18:8; 34:21; 52:18; 55:11 light [1] 68:17 Like [1] 92:18 like [42] 8:13; 14:22; 15:7; 23:11; 24:21; 27:21; 29:22; 37:16; 63:14; 64:24; 66:8; 72:24; 73:12; 74:22; 75:25; 77:1; 78:2; 79:1, 7, 8; 80:4, 16; 81:22; 82:15; 89:21; 92:1; 93:10; 97:15, 22; 98:13; 100:25; 102:7, 11, 18, 19; 108:2, 17; 110:12; 111:2 liked [2] 65:5, 6 likewise [1J 38:2 limited [7] 5:21; 7:16, 23; 12:18; 25:14; 62:5; 69:19 LINDSAY [1] 2:8 line [8] 47:18; 48:3, 5, 17; 50:15; 80:25; 89:23; 98:21 linger [1] 16:9 liquid [1] 28:4 list [11] 10:23; 30:6, 10, 17, 19; 31:15, 16, 17; 32:1, 2 listed [1] 99:8 listened [1] 61:2 literally [1] 32:21 little [6] 43:11, 24; 66:8; 80:11; 102:7, 12 live [4J 63:20; 64:7, 12, 14 lived [7] 40:24; 41:1; 57:25; 63:21; 64:18; 75:24; 77:9 living [6J 7:7; 42:24; 45:11; 55:24; 64:9; 109:18 LLC [1] 2:5 LLP [1] 2:2 loan [1] 48:19 local [1] 78:11 Located [1] 45:9 located [1] 43:12 location [1] 85:6 long [6] 7:1; 8:18; 14:15: 16:14: 40:24; 83:1 longer [3] 14:17: 49 2: 74:16 Look [1] 98:20 look [11] 10:21, 22; 50:12: 73:3; 80:4:. 83:22; 88:3: 95:10; 96:16: 103:17: 106:18 looked [4] 42:13, 15; 100:18, 23 looking [1] 57:13 looks [4] 80:6; 97:15. 22; 98:13 Los [6] 45:10. 1 1. 1 g; 46:11; 47:4; 63:6 losses [1] 61:10 lost [2] 55:8; 59:15 lot [10] 5:4; 50:11; 68:21: 73:2; 77:10; 85:5; 91:9; 92:18; 107:10; 109:20 lots [1] 23:2 LOTTIE [2] 1:1; 2:7 Lottie [14] 4:22: 18:6; 24:3; 34:21; 39:20. 24; 41:3; 49:19; 54:11: 56:13: 60:6; 73:8, 24; 99:5 Lottie's [1j 7:2 Louder [1] 41:23 louder [1] 43:24 lower [2] 78:23; 79:2 lull [1] 35:5 lunch (3] 63:4; 75:13; 94:11 Lynn (1] 41:25 -M- M (6] 2:5, 12; 25:2 : 27 2. 49:18; 71:18 made [16] 8:25; 12:9; 19:3; 34:8; 36:4; 42:21; 44:6; 55:4; 59:12: 71:18: 78:23; 87:2; 90:11: 96:15; 98:17; 108:16 magazine [2] 80:12. 14 mail [1] 63:10 mailing (2] 40:17: 85:8 majority [1] 62:4 ake [28] 9:11; 13:3, 19; 14:18; 22:19; 23:17, 24; 24:14, 17; 29:23; 36:8, 11, 18; 38:3; 39:8; 47:17; 52:25; 56:4; 57:20; 59:9; 60:7; 70:5; 78:3; 88:20; 103:15; 108:6; 111:9; 112:13 makes [3] 27:15; 37:3; 78:11 making [4] 52:1; 60:2; 93:11; 108:21 managing [1] 71:11 many [4] 9:18; 47:9; 56:5; 71:3 March [1J 82:23 MARK [1] 2:11 MARKED [1] 3:16 marked [1] 72:21 Marshal [1j 3:3 MARSHALL [3] 2:9; 40:8; 70:20 Marshall [64J 3:7; 5:13, 19; 6:2, 15; 7:7; 12:7, 23; 13:22; 14:1, 8, 15; 15:23; 16:18; 20:5, 15; 21:4, 23; 23:6; 24:5, 24; 25:5, 21, 22, 24; 26:5; 31:5; 32:23; 33:13; 35:12; 37:16; 38:9; 39:11, 17; 40:2, 17; 54:13, 16; 55:1, 24; 56:4, 10, 14, 20, 25; 58:9; 59:16, 19; 65:18; 67:6, 9; 68:10, 22; 69:6; 70:8, 18; 73:24; 93:5; 105:15; 109:18, 19; 111:17 Marshall's [2] 19:12; 67:16 Martson [1J 31:3 master's [2j 41:18, 20 matter [16] 4:6; 5:6; 8:4; 16:1; 18:8; 20:3; 36:15; 55:2; 59:19; 63:9; 64:8, 23; 68:24, 25; 94:21 matters [1] 26:10 mattress [1] 78:24 mattresses [1j 78:11 MAXWELL [1] 2:2 May [4] 59:3; 72:3; 111:2, 15 may [11] 6:5; 9:1; 12:2; 26:18; 27:12; 28:1; 37:14; 53:4; 66:13, 21; 94:15 Maybe [1J 51:3 maybe [6] 38:23; 43:23; 66:8; 71:16; 94:13; 98:14 McDonald's [1] 75:21 MCNEES [1] 2:5 McNees [1] 37:21 me [63] 6:11; 9:4, 6, 15; 10:1; 14:20; 18:23; 19:11, 20; 20:7; 22:20; 27:11, 15; 29:10; 34:14; 35:15, 24; 36:5, 6; 37:3, 8, 9; 45:7; 48:25; 51:7, 21; 55:8, 18; 56:3, 6, 12; 62:9; 63:10, 13, 18; 64:24; 65:9, 21; 70:15; 71:17; 72:4; 83:9; 85:9; 89:9; 90:4; 92:19; 94:20, 21, 24; 96:14, 19; 99:21; 104:14; 106:5, 6, 19, 22, 23; 108:4; 110:18; 111:19, 20; 114:3 mean [10] 6:17; 16:10, 15; 19:24; 85:22; 86:22; 92:2, 15; 106:21; 109:14 means [2] 48:18; 59:18 meant [3] 39:23; 48:24; 99:24 Medicare [2] 76:13, 16 memo [3] 11:1; 80:25; 98:21 memorandum [8] 26:4; 29:15; 30:18, 24; 31:11; 52:15; 112:3 memorialized [1] 17:13 memory [2] 17:14; 89:16 mentioned [1] 71:21 merits [1j 107:20 met [1] 35:24 mid [2j 66:6 middle [2j 81:23; 95:25 might [7] 15:18; 23:2; 27:12; 62:16, 17; 69:10; 91:23 Miller [8] 74:9; 75:2, 5, 6; 82:20; 83:5, 15, 23 million [4] 30:14; 31:21; 32:5; 55:2 mind [10] 6:5, 12; 16:11; 58:17, 18; 70:6; 87:1; 92:5; 106:24; 110:22 mine [6] 96:3; 99:1; 104:2; 108:15; 110:13 mini [1] 102:12 minute [4] 18:2; 23:14; 93:24; 107:9 minutes [3] 20:11; 21:17; 52:8 misbehaving [1] 16:19 misrepresentation [4] 19:1; 30:15; 31:13; 67:7 missing [12] 30:8, 14; 31:17, 22; 32:4; 36:13; 50:18; 67:4, 14; 103:19; 105:12; 109:2 misspoke [1] 29:10 mistakes [1] 15:11 Mom [11] 62:9, 15; 75:12, 18; 77:8; 79:22; 81:18; 84:19; 89:4; 101:8 mom [2] 88:19; 106:8 Mom's [3J 76:10; 78:22; 81:1 mom's [1] 101:23 moment [2] 23:8; 54:25 momentary [1] 68:19 moments [1] 21:1 money [27] 5:23; 12:25; 47:18; 48:14, 15; 50:20, 25; 51:1, 16, 18, 19; 54:7, 13; 56:15; 57:2, 4, 23; 60:6; 68:5, 8, 10; 75:21; 87:14; 96:9; 105:25; 108:17 month [2] 103:11, 13 monthly [1] 109:6 months [5] 9:18; 19:7; 83:3; 84:8; 89:8 moot [2] 25:21, 25 more [19] 8:2; 20:11; 31:25; 35:2; 36:8; 48:23; 68:16; 83:6, 7, 14; 87:7; 91:23; 94:7; 98:9; 100:11; 106:13, 14, 16, 19 Moreover [1] 67:13 morning [5] 20:24; 26:23; 40:13, 14; 75:22 most [14] 4 7; 20:1: 21:6: 26:17. 27:8; 28:25: 34:13. 49:20: 63:5; 85:13: 91 12: 99:24. 102:13; 103:3 Mother [5] 74:10: 75:6; 88:23; 89:5; 103:2 mother [59] 5:14; 6:15; 12:12, 14, 24: 13:23; 14:8; 16:21; 41:4; 42:25: 51 13; 62:2, 5. 23: 63:1, 21: 64.7. 13, 14. 19, 21; 65:3. 19: 67:5, 6: 71:5, 18: 73:10: 74:2; 75:15; 76:21; 77.21; 78:13, 18; 79:5: 80:14; 81:7; 82:12; 83:11, 25; 84:11; 85:1, 23; 86:7, 18; 87:14; 88:10; 90:13; 96:8: 97:7, 10; 98:4; 99:6: 100:6: 101:9; 103:15: 104:5: 109:19 mother's [16J 43:7; 60.22: 63:18: 67:11; 74.16; 82 1: 83:1; 84:9; 86:13, 14: 90:11; 99:25: 100:22. 102:1, 6; 108:15 motion [11] 29:23: 33.11; 66:21, 24; 69:2, 4. 13: 104:23, 24, 25; 105:3 move [8] 45:16; 50:8, 10. 66:18; 90:21; 104:12, 13: 105:9 moved [4] 46:9; 64 8. 71:2; 74:1 moves [1] 104:15 moving [1] 25:10 mowed [1] 77:8 MR [96] 4:24; 7:5, 21; 9:7: 12:2; 15:10; 17:7, 17, 21; 20:25; 21:3, 11; 23:8.. 9. 19, 22, 24; 26:18, 21; 27:15; 28:6; 29:3, 10. 11. 37:13; 39:8, 15. 25: 40 1. 12, 23; 42:1; 49.15, 16. 50:1, 5, 20; 51:14: 52:7. 11, 14; 56:23; 57:16.. 19: 58:18; 59:3; 60:12:. 61:11. 19, 20; 62:19; 65:12, 15: 66:11, 15; 67:21; 69:15: 72:12; 86:16; 87:3, 6, 20: 89:17; 90:18; 91:8, 18: 2:14, 22; 93:10, 17, 20; 94:12, 15; 95:1, 6, 23, 24; 96:21, 22; 100:14; 102:4; 104:10, 18, 20; 105:19; 108:2; 109:4; 110:2, 11, 25; 111:7, 21, 22; 112:3, 7, 11 Mr [75] 3:3; 4:24; 5:5; 10:2; 12:2, 4, 19; 21:2, 24; 22:4; 23:9; 24:18; 26:19, 22; 29:11, 22; 33:7; 37:13, 22; 38:1, 5, 6, 9, 15; 41:2, 14; 49:17; 50:6, 14; 51:14; 52:7, 11; 53:23; 54:2, 9, 10; 56:25; 57:24; 59:12; 60:13; 61:21; 62:20; 66:15, 17; 69:17; 71:1; 72:7, 15, 23; 74:22; 77:7, 12, 25; 82:14; 84:22; 86:12, 17; 87:10, 21; 88:18; 89:21; 90:24; 92:24; 93:1; 95:25; 99:4; 100:18; 102:6; 105:19; 108:2, 8; 109:4, 6; 110:5; 112:10 Mrs [19] 5:18; 6:2; 7:7; 11:10; 37:8; 50:24; 54:22; 55:11, 19; 57:24, 25; 59:10; 67:17; 68:20; 69:23; 72:18; 75:2; 93:3; 105:15 MS [64] 10:2, 6; 18:14, 19, 24; 20:12; 21:14, 17, 22; 29:22; 35:7; 36:8, 11; 37:10; 38:15; 41:23; 49:12; 50:2, 14; 51:3; 54:9; 58:21; 59:5, 8; 65:13, 17; 66:10, 17; 69:17; 70:17, 25; 72:3, 7, 15, 22; 87:4, 8, 9, 17; 89:20; 90:15, 20, 23; 91:4, 15; 92:3; 93:1; 94:23; 95:11, 17, 20; 100:17; 102:3; 104:9, 12, 21, 25; 105:5, 9; 110:5, 10; 112:13, 19; 113:3 Ms [5] 3:4; 38:7; 39:15, 22; 75:9 much [12] 21:15; 28:4; 44:6; 47:20; 49:3; 56:1; 58:25; 62:24; 65:8; 79:2; 91:25; 92:1 MULLAUGH [3] 2:6; 18:14, 19 Multiple [1] 10:16 multiple-party [1] 52:24 must [4j 9:4; 14:20; 66:25; 82:5 My [5] 35:8; 40:17; 59:16; 63:22; 85:23 my [81] 4:6, 7; 6:6, 9, 10, 12; 10:6; 16:11; 17:8, 14; 18:9, 18; 24:12; 26:13, 16; 27:14; 28:1, 9, 25; 29:2, 19; 31:24; 34:1, 13; 35:17; 37:21; 40:25; 44:5, 7, 11; 46:4, 8, 15; 47:19, 23; 48:20, 24; 49:4; 52:4; 54:9; 55:15; 56:17, 18; 60:8, 10, 16; 61:2; 62:5; 63:8, 10, 12, 23; 64:15; 68:19; 70:6; 71:23; 76:19; 81:5, 20; 84:17; 85:5, 12; 89:9, 16; 90:12; 91:8; 93:8, 11; 97:7; 98:19; 99:1; 101:23; 104:4; 106:23; 107:3; 108:15; 111:1, 3, 5 myself [4] 5:2; 8:20; 15:6; 46:18 -N- N [1] 4:1 name [5] 40:15; 65:24; 66:2; 73:7, 22 names [3] 70:6, 15 ; 73:24 nature [1] 32:12 nearly [1] 31:18 necessarily [2] 34:14; 109:14 necessary [2] 34:15; 35:3 need [13] 15:18; 16:3; 21:16, 17; 22:16; 23:15; 40:21; 56:13; 61:12; 69:16; 91:25; 92:11; 107:22 needed [4] 26:24; 56:5; 58:11; 86:2 Neff [4] 81:12; 82:7; 87:23; 89:24 Neffs [1] 89:2 net [1] 52:19 never [15] 10:13, 14; 29:1; 31:6, 16, 19; 32:4; 55:19; 67:17; 68:13; 69:24; 72:4; 76:19; 88:9 New [5] 41:11, 14; 63:24, 25; 75:23 new [7] 30:20; 31:13, 19, 22; 32:15, 20; 43:13 newly [1] 31:17 next [6] 79:8; 80:16; 83:22; 84:3; 102:17; 103:13 night [2] 5:17; 65:6 Nila [9] 74:9; 75:2, 5, 6; 82:20; 83:5, 6, 15, 23 nobody [1] 109:21 None [1] 11:20 none [1] 33:5 nonsuit [8J 35:12, 19; 66:18, 21, 24; 67:19; 69:3; 105:1 noon [2] 35:16; 94:22 nor [2] 15:12, 24 normally [1] 52:25 Noss [2] 101:1, 6 Notably [1] 67:4 Notary [2] 1:22; 114:11 notation [1] 97:3 note [1] 52:23 notes [1] 114:3 Nothing [1] 104:21 nothing [6] 26:8; 32:24; 66:12; 90:15; 94:22; 102:3 Notice [1] 40:3 notice [2] 49:7; 60:24 November [4] 18:15, 20; 42:15; 97:24 Now [13] 30:25; 33:25; 66:24; 74:22, 25; 75:15; 77:1, 21; 78:2; 82:14; 83:22; 93:7; 98:21 now [22] 7:1; 10:9; 15:6; 16:23; 19:5; 22:10; 24:19; 25:12; 27:8; 31:21; 39:19; 44:3; 60:3; 69:2; 75:25; 89:6; 94:7; 100:25; 102:23; 104:23; 109:23: 112:4 Number [5] 24:3, 8. 24; 50:13. 16 number [22] 12:8: 39:21: 41:1; 50:10; 62: 15. 16; 70:13: 75:1; 79:9; 80:24: 81:2, 4, 6; 82:16:. 98.25: 99:1, 17; 103:21: 104.4: 106:6; 108:18, 25 numbers (1] 98:21 NURICK [1] 2:5 Nurick [1] 37:22 nurses [1j 83:8 -O- O [1] 4:1 oath [1] 109:12 OBERMAYER [1] 2:2 object [3] 22:18; 50:15; 86:16 objected [1] 25:7 Objection [1] 91:7 objection [27] 13:7; 14:6:. 20:1; 22:17; 25:5, 11. 20. 22, 24; 33:16, 18: 34:3; 38:18; 49:25: 51:10: 55:19; 56:22; 61:18; 65:3: 67:3; 72:6, 10; 92:13: 93:15; 104:17; 112:25 objections [20] 8:23; 14 4 22:1: 23:2, 4; 24:2, 25: 25:6; 26:3, 7, 25: 28:24; 34:6; 36:19, 22; 38:9. 11, 15; 39:18, 19 OBJECTORS [2] 2:4; 3:2 obligation [2j 37:24; 38:2 obligations [1] 33:1 observation [2] 8:25: 27:12 observations [2] 22:19; 39:22 observe [1] 20:19 observed [1] 109:17 obvious [1] 37:9 obviously [5] 5:4; 13:8, 12; 20:13, 16 occurred [2] 22:20: 72:17 occurs [2] 6:11; 27.11 ctober (1] 42:15 off-the-record [1] 94:1 offer [4j 35:4; 36:4; 72:13; 111:9 offered [3] 12:19; 42:2; 54:5 offers [1] 38:10 office [3] 31:24; 85:19; 89:2 offset [1] 47:23 offsets (1] 27:21 often [2] 75:17; 83:7 Oh [11] 40:22; 44:10; 46:24; 57:19; 62:25; 63:3, 22; 83:13; 84:2; 99:24; 100:1 oh [1] 108:15 oil [1] 74:10 Okay [9] 59:7; 64:6; 73:1; 74:24; 85:24; 104:17; 110:3; 112:5, 19 okay [5] 14:19; 40:22; 57:19; 58:4; 108:15 old [4] 63:16; 64:1, 4; 90:7 Oler [2] 14:18; 24:20 on-location [1] 47:8 on-the-record [1] 17:9 once [1] 15:21 One [3] 20:25; 22:1; 97:4 one [39] 14:7; 16:1; 17:20, 22, 24; 19:11, 23; 27:16; 30:3; 35:10; 36:8; 47:6; 50:12; 51:16, 24; 53:24; 54:4; 55:2; 58:16; 59:10; 62:5; 66:20; 78:6; 79:1; 82:13, 21; 83:25; 85:6; 97:9; 98:6, 23; 101:17; 102:15, 17, 20; 108:5, 8; 111:10 ones [3] 63:7, 13; 106:18 ongoing [1] 34:20 only [22] 4:17; 10:7; 12:16, 24; 17:22; 21:17; 28:11, 21; 31:14; 40:25; 55:5; 59:11; 60:21; 66:19; 70:4; 91:2; 98:8; 105:14; 107:23; 109:4, 19; 111:10 open [4] 6:5; 16:8; 34:2; 69:13 opened [1j 43:13 operates [1] 53:10 opinion [1] 86:19 opportunity [9] 9:16; 11:24; 14:23, 24; 23:12, 91:16, 17; 94:5, 6 oppose [1] 35:9 opposed [2] 5:12; 39:4 opposing [1] 32:18 opposition [1] 72:9 option [1] 20:8 oral [1] 66:20 Order [8] 9:8; 17:14, 23; 18:12, 13, 17; 24:20; 27:3 order [2) 8:1; 35:13 original [2] 49:9; 50:6 ORPHANS [2j 1:2, 6 other [36j 7:13; 8:5, 17; 9:1, 10, 19; 11:8; 12:4; 13:7; 15:4, 7; 16:2, 4; 19:10, 23; 24:10; 28:20; 36:16; 37:18; 38:3; 41:16; 51:12; 57:21; 59:8; 65:10; 71:3; 92:18; 98:24; 100:6; 102:16; 106:12, 14, 18; 107:23; 108:20 others [2] 15:12; 99:19 Otherwise [1j 16:3 otherwise [1] 68:8 ought [1] 110:19 Our [1] 67:21 our [15j 5:2, 8; 7:22; 9:12; 26:22, 25; 27:5; 28:9; 30:3; 37:14; 50:22; 53:19; 62:6, 8; 93:2 ours [1] 111:7 outline [1] 93:8 outside [3] 9:2; 16:5; 74:10 over [9j 8:18; 34:25; 47:5; 56:5; 70:14; 75:22; 78:7; 94:22; 106:7 overcome [1] 13:1 overly [1] 103:2 own [14j 7:12; 15:25; 38:22; 56:21; 58:9; 61:5; 68:10; 71:11, 14; 74:2; 77:15; 86:13; 87:11; 106:2 owned [9] 7:10; 45:2; 47:12; 51:13, 17; 58:25; 59:1, 3, 5 owner [3] 44:2; 61:6; 71:18 ownership [13] 5:12, 19; 6:1, 20; 7:19; 12:19; 51:25; 52:2; 53:3, 8; 54:7; 68:1, 5 -P- P [2] 2:6; 4:1 p.m. [1] 113:4 P.O. [1] 40:18 PA [1] 79:14 Pa [2] 53:13; 54:17 Pa.C.S [1] 52:16 Page [2] 98:8; 103:25 page [46] 73:12, 13, 16; 74:23, 25; 75:1, 25; 76:1; 77:1, 3; 78:2; 79:7, 9; 80:5, 16; 82:15, 16; 83:14, 16, 22; 84:3, 4; 87:22, 23; 89:21, 22, 23; 92:1, 3; 93:16; 95:10, 15, 25; 96:16, 18, 19; 97:18; 98:10, 20; 100:25; 101:1; 102:18; 103:21; 104:14; 106:6 Pages [1] 112:24 pages [8] 50:11; 81:22; 91:3; 92:10; 94:8; 100:19; 104:13, 15 paid [10] 12:25; 46:15; 48:4, 15; 75:14; 85:5; 86:9; 101:10; 106:1; 108:10 paints [1] 82:10 paper [1j 13:13 Paragraph [10] 4:7; 5:9; 25:6, 21, 23, 25; 26:16; 28:25; 34:1, 13 paragraph [1] 4:14 paragraphs [1] 24:21 parents [1] 63:22 Part [1] 76:15 part [21] 5:11; 6:2; 11:8; 24:22; 27:24; 29:4, 13; 30:17; 35:4; 37:19; 38:4; 39:11. 45:14; 53:1: 571. 67:15: 84:15, 18: 91 14; 106:5 part-time [1J 109:20 partially [1] 28:21 particular [4] 5:10: 89:11; 97:8; 108:9 particularly [1] 64:24 parties [8] 4:9; 5 5; 8' 17: 27:17; 28:23; 52:18; 53:7 Party [1] 10:16 party (5] 10:18: 32.18: 53:15; 54:18, 19 pass [1J 5:20 passed [1] 42:25 passing [2J 5:21: 43:7 Pat (4] 75:9, 10, 16 pattern [1] 93:3 patterns [1] 91:22 pause [1] 68:19 pay [8J 46:13: 48:7. 14. 79:22; 81:18: 96:9: 106.8 payee (1] 75:2 payees [1] 74:6 paying [6] 76:17; 78:20: 93:4, 5: 96:15 payment [5J 76:8: 88:20: 90:3. 10; 96:4 payments [8] 12:9, 10: 13:2, 4: 55:4; 85:4: 97:1: 98:18 pays [2] 15:15 PENNSYLVANIA [2] 1:1 Pennsylvania [7] 1 17: 40:18; 43:14; 44:19; 53:13: 63:11: 71:24 people [7] 6:12; 8 6; 14:16: 15:4; 45:7: 83:7. 93:4 pertectly [1] 94:23 perform [1J 45:4 perhaps [2] 50:9; 72:14 peril [1] 69:11 period [10] 7:1; 15:16: 45:13, 14; 46:22; 47:6: 64:11; 83:7; 84:16, 21 permanent (1] 40:25 permission [2] 72:5; 88:19 permit [2] 33:12; 34:6 ermitted [4] 33:22; 34:4; 48:17; 91:11 person [6] 52:24; 54:6; 58:20; 60:21; 74:17; 82:10 personal [1] 46:19 personally [1] 96:13 perspective [1] 70:12 persuade [1] 9:6 persuading [1] 36:6 persuasive [1] 69:7 pertains [2] 24:1; 93:16 Petition [1] 16:16 petition [1] 15:21 petitioned [1] 16:20 pgs [1] 112:26 phase [4] 28:13, 18; 29:5, 19 photocopied [1] 3:17 pick [3] 85:18, 19; 89:10 picking [1] 101:8 piece [1] 13:13 PLACE [1] 1:16 place [3] 9:8; 51:25; 67:24 placed [1] 68:15 places [2] 41:1; 71:3 plainly [1] 35:23 Plaintiff [2] 66:23, 25 plaintiff [1] 66:20 Plaintiff's [1] 66:22 platform [1] 79:2 PLEAS [2] 1:1, 5 please [4J 40:21; 41:23; 82:14; 110:13 pleasure [1] 47:3 plus [1j 20:23 pocket [1] 102:9 pocketbook [2] 80:1, 2 point [27] 4:15; 19:18; 22:7; 23:10; 24:1; 27:7, 24; 37:2; 38:21; 49:17; 50:15; 59:16; 60:2, 3, 4, 19; 68:22; 72:19; 74:15, 19; 84:12; 86:16; 94:11; 95:12; 104:13; 105:3 pointed [1] 106:15 points [3] 35:8; 59:8; 108:4 pool [1] 32:5 position [11] 5:25; 36:18; 39:3; 45:1; 53:19; 67:21; 68:14; 69:11; 93:2; 105:24; 112:9 possible [2J 42:18; 94:8 possibly [3] 11:15; 12:25; 85:19 post [1] 85:18 postponement [1] 8:1 posture [3] 9:5; 37:2; 60:10 Power [3] 5:21; 7:16; 12:18 power [1] 90:12 practical [1] 20:3 precise [5] 54:5; 56:12; 68:4; 106:20, 21 preclude [2] 33:3, 8 precluded [2] 29:24; 58:13 predates [1] 106:18 preexisted [1] 62:14 prehearing [13] 4:12, 20; 13:15; 17:12; 18:25; 26:4; 28:9; 29:25; 30:17, 18, 24; 31:11; 32:10 prejudice [2] 32:18, 23 Preliminarily [1] 4:2 preliminarily [1] 37:13 preliminary [2] 29:20; 36:9 preparation [2] 17:9; 42:17 prepare [6] 12:17; 32:19; 33:13; 35:14; 69:19; 111:5 prepared [9] 19:4, 5; 21:4; 36:3; 38:8, 17; 40:1; 52:12, 15 preparing [1] 75:13 present [16] 4:16, 18; 6:9; 7:15; 9:5; 11:25; 24:13; 32:8; 33:22; 34:16; 53:3, 11; 55:16; 61:15; 81:18; 88:24 presentation [3] 8:2; 17:10; 37:15 presented [5] 19:7; 29:13; 32:20; 67:23; 83:8 preserved [3] 29:9; 36:23; 107:8 presumably [3] 6:18; 8:11; 55:25 presume [1] 112:6 pretty [6] 36:5; 37:9; 51:21; 70:6, 15; 106:21 prevent [2] 20:2, 5 previous [5] 4:20; 13:15; 43:6, 7; 82:13 previously [1] 70:21 primarily [2] 47:3; 74:16 primary [2] 27:7; 33:17 principal [1] 48:7 Prior [1] 63:18 prior [4] 4:18, 19; 17:4, 19 Pro [1] 16:17 pro [1] 27:20 probably [7] 9:10; 42:9; 55:25; 65:7; 88:24; 107:1; 111:10 probative [3] 11:6, 17; 34:19 problem [11] 7:21; 8:7; 14:10, 17; 33:17; 51:6; 56:16; 94:17; 95:16; 109:22, 23 problems [5] 7:20; 16:25; 17:3; 20:23; 21:25 procedural [2] 21:25; 23:10 procedure [2] 22:17; 94:16 Proceed [2] 40:6; 72:20 proceed [2] 23:7; 29:20 proceeding [6] 5:3; 28:13; 29:6; 33:1; 34:24; 39:21 PROCEEDINGS [1] 1:11 proceedings [7] 4:18; 9:3; 24:12; 27:14; 28:19; 114:1, 3 process [1] 32:10 processing [1] 85:16 produce [1] 10:24 produced [1] 7:25 Professional [2] 1:22; 114:11 projects [2] 77:10, 13 prompt [2] 65:10; 104:7 promptly [1] 30:21 proof [4] 53:4, 22; 68:20; 72:13 proper [1] 38:19 properly [2] 32:8; 67:17 property [2] 54:16; 67:16 proportion [1] 52:19 proposal [2] 21:10: 25 7 propose [2] 12:3; 22'.4 Proposed [2] 27:5; 28:17 proposed [3] 10:22. 23; 11:20 proposing [1] 56:8 proposition [2] 9:25: 92:13 protect [1] 37:24 prove [7] 18:6; 19:1; 22:11, 12, 13: 33:5: 57.12 proves [1] 56:7 provide [1] 35:15 provided [3] 30:20; 31:15. 16 psychic [1] 15:19 Public [2] 1:22: 114:11 purchased [1] 101:9 purpose [8] 7:13: 22:22: 47:1;. 50:21; 51:20; 57:5: 97:2; 108:8 purposes [3] 4 3. 68.1: 106:2 purse [3] 102:10, 13, 14 pursuant [1] 25:15 pursue [1] 22:9 pursued [1] 25:24 pursuing [7] 26:5; 33:5; 36:12, 14, 15, 16, 20 put [11] 16:1; 51:16. 19; 52:2; 62:11; 68:6; 69:18. 22; 70:6; 103:5: 105.14 putting [2] 33:8; 91:9 -Q- QTIP [13] 1:6; 24:7: 25:2. 12, 16; 26:2. 7; 27:1. 39:18; 47:19; 49:5; 111:23 qualify [2] 92:8. 20 quarterly [2] 48:4, 7 question [20] 5:10: 9:9: 10:3, 7, 8; 21:22; 22 3. 44:5; 52:5; 60:13; 61:16; 86:19; 87:5, 8: 92:17: 00:5; 106:23; 108:24; 109:11 questioned [2] 88:12; 109:2 questioning [1] 50:15 questions [11] 21:6; 38:11; 49:21; 50:8; 62:21; 65:11; 66:11; 89:17; 99:3; 102:4; 104:8 quick [1] 35:7 quickly [1] 30:1 quite [3] 62:15; 75:17; 82:18 -R- R [3] 1:22; 4:1; 114:11 radio [1] 65:1 raise [3] 38:9, 11; 109:22 raised [12J 10:13; 24:25; 25:5; 26:3; 32:4, 6; 33:18; 38:16; 55:19; 69:24; 108:24; 109:21 raises [1] 32:3 raising [2] 39:10; 100:5 ran [1] 90:7 rarely [3] 47:4; 100:10; 105:10 rata [1] 27:20 rate [5J 43:22; 44:3; 48:8, 19, 23 rather [4] 5:21; 12:5; 53:2, 11 RE [2J 1:1, 5 Re [1] 24:7 reached [1] 27:17 read [3] 19:19, 22; 80:14 reading [1] 24:16 reads [1] 52:17 ready [3] 21:20; 23:7; 94:20 real [7] 16:25; 25:7, 14; 27:9, 18; 28:16; 64:22 Really [1] 64:17 really [12] 4:12; 8:16; 11:20; 16:10, 12; 35:3; 38:21; 39:6; 47:11; 60:7; 91:1, 25 reason [5] 15:3; 34:16; 37:1; 92:22; 99:3 reasonable [7] 8:21, 25; 32:15; 58:17, 18; 94:4, 19 reasons [1] 100:12 REBMANN [1] 2:2 rebuilt [2] 81:17; 90:7 rebuttal [1] 104:19 recall [15] 42:2; 43:17; 45:22; 62:16, 17; 71:20; 74:7; 83:4; 88:12, 15, 16, 17; 96:4; 100:20; 105:20 recalled [1] 88:1 receive [3] 48:20, 24; 112:5 received [2] 33:19; 42:13 receiving [1J 48:19 recent [5] 4:7; 20:1; 26:17; 29:1; 34:13 recently [2] 4:17; 42:3 recess [5] 4:3; 21:19; 50:3; 52:10; 95:3 recognize [11] 5:1; 9:7, 17; 15:12; 41:19; 73:4, 16; 80:24; 96:7; 98:24, 25 recognizing [1] 27:3 recollection [1] 28:10 Recommendation [1] 26:11 recommendation [1] 29:5 recommendations [1J 18:10 reconcile [1] 103:9 record [37] 4:25; 16:12; 17:11, 15; 18:1, 3, 4, 8; 20:19; 21:18, 21; 23:18; 24:14, 22; 36:12; 39:9; 40:16; 41:6, 15; 50:4, 24; 56:24; 68:22, 24; 69:12; 91:2, 6, 10, 14; 93:23, 25; 95:4; 110:1; 111:11; 112:12, 14, 21 records [1] 41:17 recourse [1] 16:4 recovered [1] 71:7 recovering [1] 71:6 RECROSS [2] 3:6; 95:5 recross [1] 90:17 REDIRECT [3] 3:6; 89:19; 100:16 Redirect [1] 89:18 refer [1] 93:11 reference [1] 34:8 referenced [1] 91:24 referred [3] 5:1; 40:4; 91:2 referring [1] 25:3 reflected [1] 26:10 reflects [3] 25:19; 27:6; 52:23 refresh [1] 89:15 regained (1] 71:10 regard [2] 36:13; 72:18 regarding [5J 21:23; 28:22; 29:18; 69:22; 73:3 Registered [2] 1:22; 114:11 registered [1] 44:19 regular [1] 46:11 reimburse [2] 75:19; 96:14 reimbursed [2] 46:17, 18 reimbursement [1] 54:3 reimbursements [3] 12:11; 62:1, 3 related [2] 37:17, 18 relates [1J 7:9 relationship [9] 5:15; 8:14; 12:13, 24; 13:20, 22; 15:2; 18:22; 53:7 relevance [7] 10:3, 7; 14:3; 22:2; 34:18; 61:16; 92:19 relevant [8] 10:24; 22:14; 36:19; 50:17; 54:11, 24; 60:18; 86:21 relief [3] 33:12; 66:23; 67:3 relying [1] 52:16 remain [1] 107:24 remainder [1] 27:20 remaining [2] 10:17; 54:18 remains [1] 56:18 remarks [1] 23:17 remedy [1] 15:21 remember [12] 43:21; 47:22, 25; 48:1; 71:21; 74:3, 20; 81:19; 82:11; 88:21; 89:6; 100:12 reminded [1] 89:9 removed [1] 78:24 rendered [2] 25:21, 25 renew [3] 34:6; 104:23. 25 renewed (1] 110:24 rented [2J 45:6, 7 repaid [1] 68:11 repair [2] 81:18; 82:9 repairs [1J 88:5 repeating [2] 8:20: 15:6 rephrase [2] 87:4. 8 replowing [1] 20:6 reply [1] 111:16 Report [1] 26:10 report [6] 18:9, 14; 27.14; 29:4; 111:5 Reporter [2] 1:23; 114:12 reporter's [1] 107:14 represent [2] 24:5; 39:16 representation [1] 31:4 representations [3] 912. 13; 28:3 represented [2] 8:13: 53 2 representing [3] 4:25; 37:16; 38:6 represents [1] 37:22 request [9] 8:10. 19, 21; 32:11; 33:7, 11; 67:19: 94:9; 111:23 requested [6] 30:4: 31:25: 106:25: 107:18; 110.16: 111:12 requesting [1] 49:7 require [1] 111:22 requirement [1] 29:25 reservations [2] 7 3: 34:18 reserve [1] 106:24 reserved [6] 22:1; 27:22, 25; 28:12, 24; 29:8 resolution [2] 25:19; 27:6 resolved [5] 25:11, 23; 26:8, 9; 27:1 resources [1] 46:13 respect [6] 24:24; 26:4, 7; 39:17, 20; 111:23 respectfully [1] 9:24 respective [1] 53:9 respond [12] 10:2. 7; 15:10; 19:2; 33:14; 38:17: 52:5, 8, 12; 110:20; 111:14 responded [1] 90:11 esponse [3] 50:19; 91:7; 105:18 response [8] 10:14; 21:10, 22; 38:16; 39:14, 16; 54:9; 110:21 responses [3] 30:2, 8; 42:21 responsible [2] 107:3, 13 rest [7] 16:1; 69:14; 92:7, 20; 97:13; 99:16; 105:17 restate [1] 104:14 result [5] 29:24; 31:6, 12; 33:7; 61:10 retained [1] 54:7 retrospect [1] 42:22 returned [1] 71:24 Revenue [1] 79:14 reversed [1] 14:19 review [2] 42:17; 94:20 reviewed [3] 42:11, 20; 109:6 Revised [2] 25:18; 27:5 rewrite [2] 7:1; 16:24 Rhoads [2] 5:18; 11:2 Richard [4] 22:8; 25:3, 4, 9 Right [4] 28:6; 29:3; 40:1; 90:8 right (30] 5:13; 20:14, 18; 21:15; 27:24; 52:3; 58:13; 61:11, 19; 62:9, 19; 66:23; 67:3; 70:1, 3; 75:8; 81:10; 82:21; 84:4; 94:14, 21; 98:8; 99:18; 100:14; 101:2, 10, 12, 14; 111:4; 112:4 right-hand [1] 73:14 role [3] 12:20; 38:1, 12 Room [1] 1:16 room [9] 21:2; 43:13; 62:7, 8; 85:11, 13; 105:11; 111:10 roughly [1] 43:17 round [1] 44:8 routine [1] 105:23 Rule [1] 66:19 rule [2] 34:11; 61:15 ruling [4] 56:18; 57:20; 60:12; 106:24 run [1] 29:25 -S- S [5] 4:1; 52:17; 82:7 87:23; 89:24 s [1] 54:17 said [26] 12:15; 26:22; 30:24; 37:17; 43:24; 47:13; 48:10; 54:22; 55:14; 56:18; 59:14; 60:17, 20; 61:2; 79:22; 81:18; 88:1, 8, 15; 92:18; 99:22; 100:10; 105:21; 108:12, 14; 112:23 SAIDIS [1] 2:8 salary [1] 43:21 sales [2] 79:16, 18 Salesman [1] 43:16 same [22] 7:6; 8:6; 9:10; 15:8; 20:3, 6; 21:5; 22:19; 39:7; 60:11; 62:15; 63:20; 82:5; 85:10; 91:8; 93:4; 99:12, 14, 15, 23; 114:4 sat [5] 6:24; 16:14; 61:1, 3; 105:21 satisfied [2] 23:20; 92:3 Saturday [1] 31:8 sausage [1] 75:22 saw [3] 63:7; 105:22 say (33] 9:4, 23; 11:12; 12:10; 13:24; 14:20; 15:1; 17:15, 18; 19:10, 22; 24:23; 33:17; 34:12; 39:23; 41:15, 16; 46:23; 48:25; 51:9; 53:9; 57:7; 85:22; 86:18; 91:4; 97:21; 103:2, 11, 19; 108:5, 9, 13; 112:22 saying [18] 6:4, 13; 8:6; 9:10; 15:8; 16:17; 17:25; 36:22; 51:14; 56:24; 63:19; 93:13; 99:17; 103:14; 106:4, 12; 107:5 says [8] 53:14; 54:5, 17; 59:2; 69:12; 80:23; 97:13; 109:9 Schedule [3] 25:18; 27:5; 28:17 schedule [2] 107:22; 110:15 scheduled [1] 31:1 scheduling [1] 4:2 School [1] 41:9 school [2] 41:8; 63:20 scope [1] 20:3 second [7] 22:6; 35:14; 75:1; 80:19; 82:15; 97:9; 98:10 secret [2] 109:18, 19 section [2] 52:23; 54:10 sections [1] 53:6 Security [3] 81:1, 3, 5 security [1] 35:6 see [48] 7:18; 10:1; 11:25; 12:7; 13:9; 16:4; 17:23; 19:12; 21:7; 28:7; 29:13; 37:12; 38:20; 39:2, 7, 9; 50:17; 60:3, 4, 17; 61:5, 8, 9; 63:5; 68:16; 73:22; 75:2; 76:2; 77:3; 78:4; 79:9; 82:16, 24; 83:15; 87:24; 89:24; 90:4; 93:21; 95:15; 96:17; 97:3; 98:15; 101:15; 103:17; 106:21; 107:4; 109:13 seek [2] 16:4; 33:2 seeking [3] 15:20; 55:9; 56:7 seem [5] 20:7; 56:3; 92:11; 99:20; 110:18 seemed [1] 71:8 seems [6] 9:15; 18:23; 41:19; 55:18; 56:6, 11 seen [4] 22:25; 34:10; 59:1; 94:5 self-dealing [2] 39:10; 58:19 send [2] 63:13; 101:6 sense [2] 27:15; 35:6 sensitive [2] 4:15; 14:11 sent [1] 49:7 separate [1] 102:21 September [7J 7:25; 12:6; 40:5; 42:6, 8; 49:10; 101:25 series [4] 74:13; 99:4, 16; 100:18 serious [7] 4:13; 7:2, 20; 17:3; 34:18; 55:17 seriously [1] 92:2 served (2] 30:8; 40:3 Service [2] 101:15. 19 service [2] 75:11; 101:20 serviced [1] 98:7 Services [2] 97:19. 25 services [2] 83:10: 93:5 serving [1] 41:3 set [11] 6:21; 13:11; 19:25; 25:6, 21, 22, 24; 26:3; 50:24; 72:7; 107:22 settled [2] 15:14 seven [1] 47:10 several [3] 24:21: 49:18: 57:14 severe [1] 32:13 severity [1] 32:12 SHADE [1] 1:14 Shade [27] 4:24; 5 5: 10:2; 12:2; 23:9; 24:18; 26:19; 29:11, 22; 33:7: 37:13; 38:15; 50:14: 51:14; 52:7, 11; 53:23: 54:9; 66:15, 17; 69:17: 72:7, 15; 86:17; 93:1; 108:2; 109:4 She [18] 58:14; 63:3. 5. 7. 71:7: 74:8; 75:12. 14. 76:12, 14; 78:22: 79:25; 82:10; 84:15; 93:18; 96:14; 102:10 she [82] 6:20; 13:2; 38:8; 42:25; 55:23, 24; 56:19: 57:8, 9; 58:1, 3. 14. 15: 59:18; 60:9: 61:7: 62:8: 63:3. 7. 9. 11. 13, 21 64:17, 23, 24; 65:5. 6, 7. 8: 69:23; 70:4; 71:6. 8, 9. 10. 11, 14, 24; 74:4. 16. 21: 75:17.. 20, 21, 24; 76:12. 14, 15, 24: 77:23, 24; 78:1, 19; 79:24; 80:2; 81:9, 18; 83:8, 9; 84:13, 14; 85:2. 13; 86:9, 19, 20; 87:7; 100:11; 102:11, 12; 103:3: 105:16, 21; 106:9; 108:24; 109:2, 5. 9 She's [1] 82:10 she's [1] 54:24 shenanigans [1] 14:21 shop [1] 82:9 hort [7] 21:12; 29:15; 49:22, 25; 93:13, 20 Should [1] 112:13 should [21] 4:19; 9:15, 18, 20; 13:4; 14:15; 15:4, 24; 23:7; 27:18, 20; 34:12; 36:24; 37:19; 39:1; 51:3; 64:22; 68:10, 11; 104:12, 13 shouldn't [4] 38:25; 59:17, 23; 84:19 show [6] 11:15; 17:8; 50:24; 68:8; 89:21; 92:19 showed [1] 7:15 showing [1] 69:9 shown [1] 75:1 shows [1] 73:8 side [6] 8:5; 9:10; 13:7; 15:7; 67:12; 80:3 sign [11] 5:13; 60:22; 65:22, 24; 77:21; 78:16; 79:11; 80:7, 20; 81:24; 100:23 signatory [1j 90:12 signature [15J 6:19; 7:15; 11:10, 12; 13:10; 60:20; 96:23; 97:19; 99:5, 9, 20, 25; 100:3, 8; 108:19 signatures [3] 51:16; 57:22; 96:18 signed [17] 6:20; 50:21; 66:2; 76:6; 81:13; 82:21; 88:8; 96:8; 99:6, 23; 100:9, 19; 101:4, 17; 104:5; 108:10 significant [2] 5:11; 43:21 signing (4] 7:8; 88:17; 100:6; 102:24 signs [1] 106:8 similar [4] 82:6, 13; 83:18, 19 simply [9] 20:8; 26:14; 32:14, 19; 36:18; 59:16; 67:19; 90:20; 94:6 since [6] 36:2; 44:25; 77:9; 80:11; 99:2; 108:20 single [3] 82:10; 86:12; 102:11 Sinon [2] 5:18; 11:2 Sir [2] 51:5; 61:14 sir [5] 28:22; 38:21; 40:20; 61:1; 65:12 sister [1] 47:19 sit [7] 19:5; 22:10; 85:21; 86:4; 92:7, 19; 103:14 sitting [4] 62:6, 8; 65:19; 89:5 situation [3j 36:6; 68:15, 18 six [3J 31:9, 14; 32:2 skeptical [3] 6:23; 16:10, 12 slam-dunk [1] 34:24 Sleeper [4] 78:9, 10, 20; 79:1 slightly [1] 28:7 small [3] 33:3; 44:10; 82:18 smaller [1] 47:10 Smith [3] 5:18; 10:25; 12:17 Smithsonian [3] 80:6, 10, 12 smoking [2] 106:6, 7 Social [3] 81:1, 3, 5 sold [1] 48:6 solely [1] 62:1 Some [2] 27:24; 62:3 some [30] 4:11; 9:2; 11:24; 13:15; 16:4, 21; 20:23; 22:4, 14; 23:17; 28:1; 36:16; 49:5, 19, 21; 50:8; 56:1; 60:17; 62:3; 65:18; 69:7, 19; 74:6; 88:5; 91:10, 11; 92:19; 98:14; 107:4; 111:5 somebody [4] 26:24; 58:19; 72:5; 77:9 somehow (2] 8:13; 15:4 someone [1] 24:16 Something [1] 66:8 something [22] 7:17; 14:4; 16:21; 19:14; 22:13; 38:23, 24, 25; 60:23; 71:22; 75:18; 91:3; 92:2; 94:24; 95:15; 102:8, 18; 105:4, 7; 111:2, 19 sometime [1] 99:18 Sometimes [1] 47:6 sometimes [1] 86:2 somewhat [1] 6:23 son [1] 6:2 sorry [4] 39:25; 43:23; 99:13, 24 sort [4] 16:21; 48:2; 72:12; 109:3 sought [1] 7:25 source [2] 44:16; 49:1 spare [1] 61:21 speak [2] 40:21; 43:23 specialized [1] 47:7 specific [6] 30:7; 46:1; 62:17; 67:13; 94:24; 100:12 specifically [3] 27:8; 88:18; 91:24 spent [4] 51:19; 57:4; 68:9; 85:13 spite [1] 6:5 spot-on [1] 39:22 spring [1] 78:24 Springs [4] 40:18; 45:17; 46:10; 71:2 stack [1] 90:23 stage [2] 5:3; 86:21 stamp [1] 78:6 Stan [2] 5:18; 10:25 stand [1] 110:6 standing [1] 8:21 Stanley [1] 12:17 start [4] 64:25; 89:22; 93:16, 18 state [5] 16:15; 22:17; 40:15; 44:2; 94:2 stated [7] 4:13; 26:15; 29:7; 33:21; 37:14; 105:19; 112:20 statement (7] 27:13; 33:25; 34:1; 61:12; 73:19, 20; 109:7 statements [2] 103:8, 12 States [1] 80:23 stating [1] 26:14 station [1] 65:1 statute [2] 52:16; 69:12 stayed [1] 65:6 steal [1] 87:14 steep [1] 36:5 stenographer [1] 28:11 step [1] 66:13 Stereo [1] 63:5 STEVENS [1] 2:11 stick [1J 102:8 still [13] 17:3; 20:10; 22:10; 23:9; 44:24: 48:10; 54:1 1; 55:16; 60:11: 69:13; 92:15; 105:24; 108:7 stock [3] 32:5; 48:20. 24 stollen [1] 37:4 stop [1] 70:1 store [1] 75:18 strength [1] 71:10 strictly (2J 7:16; 56:10 strongly [1] 106:19 studies [2] 64:6. 13 study [1] 64:2 subject [7] 4:22: 18:7: 27:21; 51:11; 58:15; 61:8. 91:19 submissions [3] 108:3, 21: 110:15 submit [5] 11:20; 21 7 29:15; 106:25; 112:4 submitted [4] 24:18; 31:17; 32:2, 16 submitting [1] 107:18 subscription [1] 80:12 substance [1] 107:19 substantial [1] 16:8 substantive [1] 112:16 successfully [1] 71:7 succinctly [2] 37.15: 112:21 such [2] 68:6; 106:1 suddenly [1] 100:7 Sue [2] 81:12; 89:2 suffer [1] 15:5 suffered [1] 61:10 sufficient [1] 57:3 suggest [4] 20:13. 56 9 64:21; 94:10 suggested [1] 38:23 suggesting [SJ 7 6; 28:15; 94:4; 99:21; 104:22 suggestion [1] 108:24 suggestions [1] 110:14 suggests [1] 18:25 suits [1] 94:18 ULLIVAN [9] 2:9; 23:9, 24; 29:11; 39:15, 25; 111:22; 112:3, 7 Sullivan [5] 23:17; 26:12, 22; 38:5; 39:13 sum [3] 10:17; 52:19; 54:18 summary [2J 26:16; 105:4 summer [2] 71:22; 85:19 Super [1J 53:13 Superior [1] 53:14 supplement [1] 76:14 supplemental [1J 76:15 support [3j 7:9, 12; 67:8 supporting [2] 110:17; 112:15 suppose [1] 107:1 supposed [2] 14:2; 15:9 Sure [6] 21:14; 50:1; 52:9; 72:15; 95:2; 110:7 sure [12J 24:14; 38:3; 39:8; 42:7; 44:12; 97:3; 98:2; 103:15; 105:2; 108:14; 111:10; 112:20 surprise [1] 10:8 surviving [2] 10:18; 54:19 sustain [3] 22:18; 56:21; 61:18 sustained [1] 51:11 sworn [2] 40:9; 70:21 -T- T [9] 2:12; 25:2; 27:2; 43:8; 44:2; 49:18; 63:4; 64:24; 71:18 tab [1] 72:25 table [4] 62:6, 7, 8; 107:14 tact [1] 6:18 take [17] 9:19; 12:3, 21; 16:16; 21:11, 12; 23:12; 43:20; 45:25; 49:12, 15; 60:24; 69:10; 94:19; 97:13; 105:24; 107:10 taken [17] 9:8, 18; 12:7; 14:15; 19:16; 20:2; 21:19; 22:21, 23, 24; 38:22; 50:3; 52:10; 93:15; 94:9; 95:3; 114:3 taking [2] 6:18; 43:20 talk (4] 23:21; 63:14; 94:24; 107:9 talked [3] 69:1; 84:16, 18 talking [3] 39:19; 55:12; 108:17 tax [4] 46:7; 79:16, 18, 21 taxes [2] 14:5; 79:23 tear [1] 102:17 telephone (2] 63:15; 74:11 tell [10] 6:21; 16:11; 40:20; 42:8; 44:2; 46:25; 58:20; 80:5; 81:24; 108:22 telling [2J 87:12; 99:21 Tem [1] 16:17 ten [1] 15:16 ten-page [1] 31:17 tenancy [1] 53:11 tenants [1] 27:19 terminate [1] 26:2 terminated [2] 8:15; 25:16 terms [5] 25:15; 41:7; 44:8; 63:2; 67:25 testified (7] 40:9; 65:18; 70:22; 71:1, 16; 74:1; 103:25 testify [3] 86:25; 87:1, 2 TESTIMONY [1] 3:1 testimony [10J 21:23; 42:18; 61:13; 66:16; 69:1; 86:24; 90:19, 25; 91:24; 109:12 than [13] 31:25; 35:3; 44:9; 46:5; 48:20, 23; 51:12; 53:11; 57:21; 91:23; 92:1; 106:12; 107:23 Thank [11] 4:24; 23:24; 26:12; 42:11; 49:15; 52:11; 57:19; 62:19; 90:15; 95:23; 100:15 That's [18] 14:10, 17; 23:13; 28:21; 29:17; 31:13; 39:20; 56:16; 61:11; 82:20; 87:17; 94:23; 98:23; 99:20; 100:14; 104:4; 111:21; 112:17 that's [50] 8:7; 9:3, 24; 11:12, 17; 19:15, 18; 27:23; 31:9; 35:2, 22; 37:1, 7, 9; 51:5, 22, 24; 52:6; 55:11, 13; 56:12; 57:10; 60:15; 61:14; 66:10; 72:19; 73:10; 80:13, 24; 83:23; 84:6, 8; 86:24; 92:15; 96:3, 7: 98:12; 99:11; 100:5; 101:12; 105:3, 14; 106:7, 9, 21; 109:11, 23; 110:21; 111:3, 19 theft [10] 11:15, 19; 19:1; 22:11; 30:13; 31:12; 33:5, 6; 36:15; 67:7 their [29] 6:15, 25; 9:12; 11:14; 15:2; 16:21; 29:24; 30:5, 8, 12, 13, 21; 31:11; 32:25; 33:5, 6, 22; 35:11, 15; 39:2, 5; 41:16; 53:8; 57:22; 59:25; 67:3, 5; 108:4; 111:12 them [31 ] 9:20; 11:24; 29:25; 30:6; 31:25; 34:2; 41:24; 49:12, 13, 15, 20, 21; 50:9, 10, 12; 51:17; 85:16, 18, 20; 94:7; 95:13; 98:23; 100:9; 101:10, 11; 107:3, 21; 112:9 themselves [1] 11:2 Then [4] 31:8; 64:1; 70:17; 110:14 then [49] 4:6; 6:18; 7:16, 20; 9:11; 13:23; 14:9; 15:16; 16:3; 17:13; 18:22; 20:14; 23:5, 16; 45:16; 48:13; 51:1; 52:3; 55:12; 56:21; 60:12, 23; 63:25; 65:2; 66:1, 17; 70:9; 85:20; 86:1, 24; 88:15; 902, 10; 93:16; 94:10, 16, 19, 25; 99:2, 19; 100:7; 102:12, 17; 105:9; 107:22, 23; 109:21; 110:19, 20 theories [2j 32:15, 20 theory [5] 31:13; 36:16, 17, 19; 53:6 There [4] 26:3; 30:19; 32:22; 48:16 there [73] 4:3; 5:3, 11; 6:4; 7:17; 8:25; 10:18; 11:10, 15; 13:17, 19; 14:21: 17:5. 22, 23, 24. 25: 19:15. 21; 20:23: 21:25: 26:8; 27:16. 24: 291 31:21. 34:22; 36:22- 38:13. 41:22: 42:21 43:15. 18: 45:1. 6: 47.16. 49:4; 50:18; 52:20: 53.16. 21; 54:12, 20; 55:8: 57.25: 58:2; 68:6; 69:5; 70:2, 3, 4: 72:10; 74:12, 15; 83:14; 84:22; 85:3; 88:9. 22: 91:12, 13; 92:13: 93:21; 94:19; 96:16; 98:12. 20, 21; 100:7; 103:17. 20: 106:14 There's [7] 32:14, 2x- 67:9: 92:17; 109:1.7, 8 there's [27] 10:12. 23. 18:21; 22:20; 24:15; 39 7. 52:3; 55:22; 58:11; 59:10; 60:5; 61:16; 66:19; 67:7: 69:1; 70:12; 73:2; 74:25; 75:8; 76:1; 92:16: 94:24; 96:1; 101:14: 107:2. 108:5, 24 Therefore [1J 67 19 therefore [3] 13:3: 50.17; 58:1 These [2J 99:8; 100:2 these [35J 6:24: 8:6: 9 2: 13:15, 25; 14:7, 16; 15:4: 27:14: 32:13; 36:13; 38:15; 50:6, 21: 53:6: 54:23; 55:19: 61 17: 69:7: 73:4; 92:8. 14, 20; 93:19; 94:5, 20; 95:21: 98 g, 99:3, 25; 100:6, 13: 102:23; 108:22 They [22J 10:25: 11 1. 2. 19; 16:20, 22; 30:8, 9, 11, 12, 13, 14; 31:5, 15, 16, 17, 21; 43:13; 46:15; 47:5. 7: 101:23 they [66] 4:19, 21; 6 15; 8:12; 10:24; 11:1. 11. 24 25; 12:11; 13:20.21; 14:9. 24, 25; 16:15, 19. 23: 18:6. 25; 22:11, 12; 29:9; 30:7. 21, 23. 24; 31:6; 32:7, 34:4, 7, 12; 36:3.. 5, 13, 15, 6, 23; 38:23, 24, 25; 41:15; 43:12; 48:6; 54:23; 56:9; 63:6; 67:13, 14; 69:8; 77:9; 79:1; 83:21; 94:4, 6; 95:14; 99:22; 100:8; 101:25; 103:13; 107:17; 108:23 they'd [1] 85:20 they're [9] 14:9; 35:4; 36:20; 37:5, 11; 39:6; 58:20; 91:14 They've [2] 11:13; 33:6 they've [1] 11:20 thing [14] 6:11; 8:6; 9:11; 14:10; 15:9; 17:1; 18:23; 19:10; 27:16; 56:17; 82:6; 108:20; 109:3, 18 things [8] 16:23; 27:21; 46:7; 51:24; 63:14; 69:7; 74:14; 75:13 think [102J 4:6; 5:5; 6:6, 19; 7:14, 17; 8:16, 24; 9:17, 20; 10:21; 11:22, 23, 24; 12:8, 13; 14:14, 23, 25; 15:17; 16:7, 8; 17:21, 22; 19:3, 18; 20:1, 11, 17; 21:3, 25; 23:7; 27:7; 34:11; 35:21; 36:2, 4, 22; 37:14; 38:13, 21; 39:5, 6, 15, 22; 44:11; 45:18; 47:22, 23, 24; 50:9; 51:6, 24, 25; 52:3; 53:18; 57:6; 58:6, 24; 60:15, 25; 62:14; 65:5, 7; 66:10; 68:1, 21, 24, 25; 69:1, 3, 10, 17; 70:2; 74:11; 75:11; 76:10; 81:20; 82:13; 86:20, 24; 91:5; 92:10; 93:13, 14; 94:2, 12, 15; 95:14; 103:3; 106:5, 17; 107:16; 108:7; 111:2; 112:8, 21, 22, 23 thinking [5] 5:6; 6:9; 55:15; 68:19; 107:16 third [1] 78:4 This [6] 11:4; 32:13; 50:20; 52:23; 88:25; 95:1 this [152] 4:3, 9, 11, 17; 5:3, 11; 6:1, 13, 15, 18, 25; 7:22; 8:5, 8, 9, 12, 18, 23; 9:14; 10:11, 12; 11:8, 19; 12:15, 17; 13:7, 14; 14:3, 10, 16; 15:22, 23; 16:4, 5, 14; 17:1, 2; 18:8, 22; 19:15; 20:19, 24; 22:6; 23:2, 10; 24:1, 16; 26:6, 9, 23; 27:12; 28:13, 18; 29:5, 13, 19; 31:1; 32:7; 33:1, 14; 34:23, 24; 36:6, 14; 37:2, 12; 38:18; 42:3; 47:13; 48:1; 49:5, 17; 50:8, 15; 51:12; 53:20; 54:2; 55:10, 17, 21, 22; 56:15, 16, 20; 57:2, 13; 58:8, 24; 60:7, 11, 19; 61:1, 3, 5, 16, 25; 62:4, 11; 66:17; 67:22; 68:6, 15, 17, 22; 69:21; 72:13, 19; 76:14, 17, 21, 24; 77:16; 78:6, 21; 82:12; 84:16, 18, 23; 86:16, 21; 88:20, 22; 89:2, 4, 11, 13; 90:3; 91:2, 21; 92:9; 93:12, 19; 94:11, 13; 95:12; 96:17; 99:4; 104:13; 105:3, 10; 106:5; 107:19, 24; 109:17, 20; 111:10; 114:4 Thompson [1] 32:11 Those [2] 91:18; 96:23 those [32] 7:4; 13:3; 16:23; 24:21; 26:5, 9; 27:25; 30:22; 34:11; 38:14; 39:11; 41:21; 46:14; 49:10; 63:7; 66:1, 3; 70:16; 83:15, 18, 19; 86:6; 95:8; 97:1; 98:24; 99:5, 6, 10; 100:23; 106:1, 3; 108:3 though [1] 8:12 thought [4] 49:5; 64:24; 84:17; 99:22 thoughts [1] 20:10 thousand [1] 92:16 three [4] 19:7; 30:9; 71:7; 102:18 through [37] 7:25; 15:20; 23:16; 24:11; 29:25; 45:13; 46:18; 49:18; 50:10; 56:8; 61:21, 22; 63:12; 64:11; 67:6, 24; 75:14; 84:15; 85:11, 21, 25; 86:1; 90:24; 92:4; 93:7, 14, 17; 94:9, 12, 21; 103:12, 15, 17; 104:15; 107:15, 17; 112:24 Throughout [1] 31:3 throughout [5] 4:9; 6:13; 8:12; 10:11; 55:17 throw [1] 9:20 Thursday [1] 35:16 thus [1] 108:25 Till [4] 71:23; 84:17: 85:19; 89:9 time [46] 6:16; 7:1, 6; 8:18, 22; 9:24; 10:19; 12:4; 15:23; 19:2; 20:3; 21:15; 31:3, 8, 24; 33:15; 42:15, 20; 43:4; 45:12, 25; 46:23; 48:1; 61:24; 62:12; 66:17; 69:19, 23; 70:5, 14; 71:5, 11; 74:11, 15; 75:17; 77:15; 82:5; 84:12; 88:19, 20; 94:19; 98:3; 107:10; 109:20; 111:5 times [4] 45:19; 46:12; 65:5; 88:22 tiring [1] 62:9 today [19] 8:24; 19:15; 20:4; 24:9, 13, 22; 32:8; 34:20, 25; 35:4; 36:14; 42:18; 54:23; 56:7; 61:15; 69:18, 25; 71:1; 109:18 told [2] 83:9; 86:23 tomorrow [1] 34:25 too [7) 62:9; 65:6; 78:25; 95:22; 101:17; 108:17; 109:15 took [8] 13:22; 21:6; 63:3, 4; 67:6, 24; 102:13 top [11J 44:7; 46:4, 8; 47:22; 77:3; 80:19; 98:20; 101:1; 102:16; 109:17; 111:3 torturously [1] 93:7 totally [1] 14:11 touch [1] 65:9 toward [1] 87:7 track [1] 59:9 tractor-trailers [1] 47:11 tractors [1] 47:12 trailers [1] 47:11 transactions [1] 31:18 transcribed [2] 110:1. 111:11 TRANSCRIPT [1] 1:11 transcript [5] 12:6; 19:12; 42:12; 89:22; 114:4 transfer [1] 86:3 transfers [5] 11:10. 11. 31:5. 12; 86:7 transpired [1] 5 4 travel [2] 46:22, 25 traveled [2] 46:12: 47.2 traveling [1] 46:10 Treasury [1] 80:23 trial [2] 19:17; 22:22 tried [2J 56:17; 64:25 trips [1] 46:14 trouble [2] 58:5; 70:9 troubled [4] 106:13. 14, 16; 108:13 troubles [1] 106:5 troubling [1] 14:20 Truck [1] 48:10 truck [1] 48:5 Trucks [4] 44:18, 21; 46:16; 63:5 trucks [7] 45:6. 7: 47:4, 8. 9, 10; 48:17 Trust [3] 1:6; 24:7: 39:20 trust [15] 15:15: 25 2. 8. 12, 13, 16; 26:1, 2, 8. 27:1; 39:18:. 47:19: 49:5; 111:23 trustee (1] 26:4 trustees [2J 25:10; 48:18 try [2] 16:24; 50:8 trying [3] 24:17; 89:15: 95:17 turn [12] 72:24; 73:12; 74:22; 75:25; 77:1: 78:2: 79:7: 80:16; 81:22; 8214. 87:21; 100:25 twist [1] 14:16 twisting [1] 8:17 Two [2] 35:7; 73:24 two [14] 32:14, 16; 35:10, 23; 47:11: 59:14; 74:12: 83:14: 84:8; 96:16, 18, 23: 98:20: 106:9 U- U.S. [5] 47:4; 97:12, 13; 98:23; 99:2 UCLA [3] 41:18, 19, 25 ultimate [1] 11:7 ultimately [2] 7:10; 29:18 unable [1] 84:14 uncertain [1] 22:7 Under (2J 24:7; 32:11 under [12] 9:23; 10:16; 12:21; 28:25; 50:25; 51:15; 66:18; 81:15; 82:11; 83:4; 99:5; 109:12 understand [23] 5:2; 6:4; 7:23; 11:14; 17:21; 25:17; 28:3, 14; 35:7, 21; 36:1, 19, 21; 38:5; 55:9; 69:12; 91:20, 22; 95:17, 19, 22; 106:12; 109:15 understanding [7] 26:14, 22, 25; 35:17; 37:21; 52:4; 72:16 understood [2] 19:6; 29:3 undue [20] 4:22; 10:8; 11:13; 13:18; 17:5; 18:7, 21; 19:6; 22:12; 30:11; 31:7; 33:6; 36:15; 37:7; 55:23; 56:11; 57:1; 58:3, 15; 61:8 unfair [2] 8:16; 10:8 unfortunate [1] 68:15 Unfortunately [1J 54:24 unfortunately [1] 12:14 United [1j 80:23 University [3] 41:11, 14, 25 Unless [1J 72:5 unless [7] 10:18; 36:19; 52:20; 53:16; 54:20; 56:19; 69:7 unreported [1] 31:5 untenable [1] 68:14 until [8] 27:8, 13; 28:12; 35:20; 64:15; 71:20; 111:14, 15 unusual [2] 103:18 up [27] 6:8, 21; 12:3; 13:11; 16:8; 20:14; 23:25; 27:8; 40:21; 43:23; 49:4, 13; 50:24; 51:1; 65:6, 21; 71:17; 79:20; 85:16, 18, 20; 89:10; 101:8; 102:13; 107:10; 111:4 upcoming [1] 33:24 upon [6] 9:12; 28:2; 54:15; 55:6; 57:24; 67:17 us [10] 5:16; 6:21; 19:22; 23:16; 26:24; 46:25; 59:9; 67:24; 68:8; 81:24 USAA [7J 96:1; 97:6; 98:10, 17, 18, 23, 25 use [6] 19:16; 22:22; 46:13; 48:2; 68:10; 85:1 used [2] 46:25; 75:20 using [4] 21:23; 49:6; 85:12; 91:16 usually [1] 53:2 utilized [1] 13:11 -V- v [1] 32:11 valid [1] 53:10 Valley [1] 41:9 value [4] 16:17; 19:22; 30:7; 34:19 values [1] 53:8 various [3] 28:12, 24; 58:7 vary [1] 47:24 vehicle [1] 88:6 verdict [2] 105:6, 10 versus [1] 53:12 very [17] 8:21; 14:20; 26:18; 33:3; 37:15; 44:10; 54:11; 57:6, 7, 8; 67:25; 88:22; 95:1; 97:18; 99:8; 100:2; 111:8 view [4] 28:2; 37:1; 60:8, 10 vinyl [1J 102:8 violations [1] 32:13 -W- W [1] 2:2 wait [1] 23:13 waived [2] 11:13; 33:6 waiving [1] 19:11 WALLACE [1) 2:5 Wallace [1] 37:21 WALTER [1] 2:2 Walter [1] 4:25 want [45] 6:3, 4, 8, 17; 7:1, 3; 11:23; 16:23; 20:13; 21:12; 23:24; 24:13; 33:3; 34:12, 22; 35:5; 36:4; 39:8; 49:13; 55:14; 59:9; 61:15, 23; 65:19; 72:8; 88:3; 91:1, 23; 93:21; 94:6, 24; 95:14; 106:21; 107:4, 15, 17; 108:1; 109:25; 110:9, 15, 20, 23; 111:4, 5, 19 wanted [4] 4:4; 13:3; 56:15; 95:7 wants [2] 7:12; 110:3 wasn't [10] 17:25; 43:19, 25; 63:4; 65:7; 71:9; 76:17; 79:3; 84:13; 85:12 water [2J 49:23, 25 way [15] 6:10; 7:9; 10:24; 15:22; 16:1; 19:23; 22:4; 28:4; 39:3; 75:11, 22; 87:15; 88:3; 89:1; 110:6 WAYNE (1] 1:14 Wayne [2] 101:1, 6 We [21] 4:11; 5:1; 19:7, 8; 21:4; 26:23; 29:3; 32:19; 40:1; 49:7; 50:4; 63:14; 67:25; 78:24; 80:11; 86:17; 89:13; 90:20; 94:1; 103:17; 105:9 we [117] 4:9, 12; 5:17, 25; 7:18, 21, 23, 25; 11:16; 12:1, 2, 14; 13:14; 14:19; 15:20, 21; 16:3; 17:1, 12; 18:4, 5; 19:2, 6; 20:7, 10, 14, 16, 22; 21:3, 11, 16; 22:1, 5; 23:7, 11; 26:23; 28:8, 16; 29:20; 30:3, 6; 32:11, 19, 24; 33:3, 7, 11; 35:9, 19; 36:11; 37:18; 38:11, 17; 39:9, 10; 40:3; 42:13, 14; 51:3; 52:7, 14, 16; 55:21; 58:25; 60:12; 61:21; 63:4; 66:15; 67:19, 22, 23; 68:2, 16, 21; 69:18, 21, 22; 83:7; 84:17; 85:10, 21, 22 : 86:2 , 3 : 91:1, 2 . 10, 25: 92:7, 11, 19; 93:20; 94:10.. 12, 15, 18: 95.11 18; 96:19; 98:8. 17; 99:6: 103:11, 19; 104:13; 105:22, 24; 106:24; 107:22; 108:2; 109:25. 110:5: 112:13 We'd [2] 86:1, 3 We'll [1] 89:22 we'll (3] 11:25; 50:10; 107:9 We're [1] 21:20 we're [20] 6:11:. 7 6: 11:23; 15:22; 19:4. 5. 24: 20:4: 21:4; 28:7: 36:2. 39:19; 49:17; 50.11, 55:12: 56:23; 72:13: 108:17: 111:23 We've [2] 25:3; 58:23 we've [5] 12:15. 16; 27:22; 68:25; 69:18 week [4] 24:19; 31:25; 35:16; 44:11 weekly [2] 43:21; 44:3 weeks [3] 30:9; 32:16: 71:24 weigh [1] 15:18 weight [1] 22:14 Well [38] 6:3; 7:5, 14 21; 9:7, 22; 13:6; 16:7: 17:17: 18:24; 22:16; 23:19; 44:24; 45:5; 57:17: 58:5: 64:12:. 68:13: 70:1: 87 4. 91:15: 93:1. 10, 20; 94 12. 95:13: 97:5; 98:17: 99' 16. 17; 102:23; 103:5: 10412, 25; 105:2, 5; 108:12, 111:7 well [16] 6:13; 14:19; 15:1; 20:2; 37:4; 38:21: 47:11; 48:9; 65:20; 84:1. 87:22; 93:15; 94:9: 99:1: 108:14; 110:13 went [4] 5:23 57:23: 63:4, 24 Were [3] 43:4; 45:11: 46:9 were [114] 4:17'. 6:15: 7:14; 8 5, 9; 9'.10; 11:2: 2:9, 10, 11, 25; 13:9, 20, 25; 14:1, 4, 8, 9, 12, 21; 15:7, 20; 16:19; 17:1, 12; 18:4; 22:19; 29:8; 30:2, 5, 8; 31:5, 6, 12, 23; 32:1; 34:20; 35:24; 36:25; 37:6; 38:16; 40:4; 41:14; 42:20, 22, 24; 43:12; 45:6; 46:10, 15, 19; 47:4, 5, 7, 12; 48:6, 17; 49:8; 54:2, 11, 12, 22, 23; 55:10; 56:9; 61:17, 24, 25; 62:1, 3; 63:6, 7, 14, 19; 64:1, 2, 4; 66:2; 67:4; 70:3; 74:6, 12; 78:20; 80:9; 81:15; 83:5, 11; 84:22; 85:3, 10; 87:12; 88:2, 18, 22; 89:13; 90:2, 10; 91:10, 18, 24; 92:23; 93:19; 97:1; 99:22; 100:9, 13; 101:23, 25; 102:24; 106:3 weren't [3] 8:12; 86:2; 106:13 West [2] 47:3, 5 What's [1] 58:21 what's [5] 19:20; 78:10; 82:4; 97:23; 98:12 Whatever [1] 94:18 whatever [23] 6:22; 11:5, 24; 13:11, 22; 15:3; 16:22; 23:15; 34:19; 37:1; 38:10, 11; 48:6; 51:20; 55:12; 56:4, 14; 57:4, 9, 18; 70:13; 92:11 whatsoever [2] 34:5; 59:24 Where [3] 43:12; 66:19; 80:2 where [27] 5:3, 5; 6:15; 11:5; 12:7, 17, 24; 14:2; 16:19; 37:11; 46:25; 47:6; 51:16; 53:14, 25; 57:22; 63:20; 68:2; 72:13; 74:16; 75:24; 85:13; 95:18; 100:19; 102:8, 15 whether [14] 5:10, 12; 12:10, 11; 15:18; 34:25; 37:4; 53:25; 55:2; 61:16, 23, 25; 97:8; 109:11 Which [2] 57:16; 103:24 which [39] 5:10; 7:25; 12:15; 15:6, 15; 17:4; 19:6; 22:19; 24:3, 8, 19; 25:6; 27:22; 28:15; 44:3, 18; 52:16, 17; 54:17; 60:16; 65:1; 70:4; 72:25; 75:11, 23; 81:15; 82:12; 83:4; 85:11; 87:22; 91:10, 11, 12, 16; 94:2; 98:25; 99:18; 106:17, 18 whichever [1] 88:3 Who [5] 74:6; 75:5, 9; 76:4; 77:5 who (22] 7:7, 9; 8:17; 37:16; 44:2; 51:19; 52:24; 53:15, 18; 54:7; 58:19; 74:9; 76:6; 78:4; 79:13; 80:5; 81:10; 82:19; 85:22; 89:9; 102:25; 107:12 who's [1j 107:3 whole [6] 13:14; 14:10; 18:22; 56:16; 74:13; 105:23 whom [1] 4:9 Whose [1] 101:22 whose [4] 96:2; 97:25; 103:22; 108:14 Why [1] 94:18 why [10] 7:25; 15:20; 38:18; 75:15; 94:10; 95:15; 100:5, 6, 13; 108:9 wild [1] 11:4 Wilhelm [2] 53:12 will [27J 4:3; 10:6; 12:7, 14; 16:9; 20:9; 22:13; 23:17; 25:16; 28:12; 29:17; 34:6, 11, 15; 35:18; 37:15; 52:15; 61:21; 68:3; 93:11; 95:1; 111:11, 12, 14, 15, 18, 25 willing [2] 51:23; 60:9 wind [2J 8:18; 14:17 window [1] 18:23 wish [1] 23:6 wished [1] 65:7 withdrawals [4] 53:9; 55:6; 84:23; 85:4 withdrawn [1] 14:6 withholding [1] 35:20 within [7] 18:9; 19:25; 20:3; 23:2; 50:22; 94:7 114:3 Without [1] 54:4 without [10) 13:6; 51:9; 56:10; 57:1, 20; 68:3; 86:14; 87:12; 105:10; 112:25 WITNESS [3] 40:22; 41:24; 49:22 Witness [2] 66:14; 110:8 witness [12] 21:24; 30:17, 19; 40:8; 49:13, 24; 51:13; 70:20; 72:3; 92:7, 8; 110:6 witnesses [4] 19:8; 24:13; 30:25; 31:15 woman's [1J 102:10 words [2] 37:18; 38:3 work [3] 45:3; 65:2; 77:18 worked [2] 43:8, 18 worms [1] 16:9 worry [1] 84:19 worst [1] 70:11 worth [2] 21:8; 61:4 would [149] 4:8, 21; 5:20; 6:18, 19, 20, 21; 8:10; 9:17, 22, 24; 11:22; 13:23; 14:22; 15:8, 10, 21; 16:1, 8, 25; 17:2, 15; 19:21; 20:2, 4, 7, 13, 15, 18; 21:4, 8, 9; 22:5, 18; 23:1, 3; 24:21; 27:10, 11; 28:16, 18, 19; 29:4, 22; 30:24; 33:17; 35:9, 11, 12, 19; 37:15; 39:12; 41:16; 42:8; 45:24; 47:24; 48:5, 6; 50:24; 51:9, 10, 23; 53:12; 54:11, 24; 56:3, 13, 21; 57:7; 58:17; 60:11, 18, 19, 23; 62:8; 63:10, 12, 13, 14; 64:3, 5; 66:4, 6, 18; 67:25; 68:3; 69:3, 6, 8; 70:8, 9, 15, 16; 71:22; 72:12; 74:8; 75:17, 19, 20, 21; 79:1; 81:18, 19; 85:7, 15, 16, 18, 19, 21, 24; 86:23; 88:25; 90:20; 92:9, 11; 94:10; 95:10, 15; 96:7, 14; 97:21; 98:1; 102:23, 25; 103:8, 9, 14, 17; 105:3, 9; 106:13, 14, 16; 107:23. 24, 108:2: 110:12. 18: 112:8 wouldn't [1] 34:22 wound [2] 48:13. 15 wrap [2] 28:16; 49:4 write [24] 7:12; 56:20: 62:10; 65:21; 68:23: 76:24; 77:24; 78:14: 79:11; 80:7, 20; 81:7. 24; 82:12; 84:14; 86:1. 12 87:10; 89:4: 102:16: 105:15: 106:3; 108:22: 109:1 writes [1] 106:7 writing [21] 5:22: 58:9. 16: 61:24: 66:3; 71:14; 74:4. 7, 8, 17; 75:15: 79:20: 80:9; 83:5. 12; 84:11: 85:8; 86:2; 93:6: 105.22: 106:1 written [29] 55.10; 56:9. 59:18, 23; 61:17: 75:9: 76:1: 77:5, 16; 78:5. 79:13; 80:5. 24: 81 1 1; 82:7, 19; 83:15, 23; 84 4. 87:23; 89:24; 93:19: 98:21; 101:1, 15: 102:24; 103:23; 108:3 wrong (4] 14:18; 6t9, 99:21 wrote [27] 59:16, 22; 61:4; 62:4, 5; 65:18, 20; 66:2. 67:11; 70:13; 76:4, 21: 78:21; 81:13; 82:21; 88:22, 23; 89:2; 99:10: 101:4, 10, 17; 103:3, 5: 105:16, 17 -Y- year [13] 8:9; 9:18:. 41 12. 16: 42:6; 43:10: 46:5: 66:4; 71:21; 72 1 74.20. 21 years [16] 15:16; 32.14: 34:20; 44:22; 56:6; 57:12, 14; 58:9. 16; 62:16; 64:18; 70:14; 71:7; 85:12; 100:13; 106:9 Yesterday [1] 31:23 esterday [3] 9:9; 27:4; 35:25 Yet [1] 9:11 York [7] 41:11, 14; 63:24, 25; 101:15, 19, 20 you'd [2] 8:5; 72:16 you'll [1] 72:25 You're [2] 65:13; 109:8 you're [23] 6:4, 18; 9:5; 16:17; 20:8; 23:16; 28:14; 36:21; 51:8, 14; 52:1; 56:7, 24; 57:14; 89:23; 91:9; 93:13; 94:20; 106:4, 12; 107:1; 108:21; 112:10 You've [1] 55:8 you've [10] 7:17; 34:8; 61:22; 71:1, 16; 72:15; 100:18, 23; 108:15; 109:16 your [119] 6:9; 10:3; 12:20; 14:12; 20:10; 21:10; 22:17; 26:10; 29:4; 33:25; 34:6; 38:22; 40:15; 41:4, 6, 15; 42:25; 43:6, 7, 15, 17; 44:16; 45:1, 22; 46:3, 19; 48:22; 49:1; 51:11; 52:5; 53:24; 55:16; 61:23; 62:2, 23; 63:1, 18, 20; 64:6, 7, 13, 14, 16, 19, 21; 65:3, 4, 13, 19; 66:2; 68:2; 71:5, 17; 73:10; 74:2, 15; 75:15; 76:21; 77:18, 21; 78:13, 18; 79:5; 80:14; 81:3, 7; 82:1, 12; 83:1, 11, 25; 84:8, 11; 85:1; 86:7, 13, 14; 87:11, 14; 88:5, 9, 13, 19, 20; 89:22; 90:6, 11; 96:7, 8, 9, 23; 97:9, 13, 19; 98:4; 99:6, 25; 100:3, 6, 8, 22; 101:9, 25; 102:6, 9; 103:15; 104:3, 5, 23; 106:15; 112:9, 16 yours [3] 12:4; 53:24; 91:9 -Z- zip [1] 40:19