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Home My WebLink About06-2369 Johnson. Duffie, Stewart & Weidner By: John R. Ninosky I.D. No. 78000 301 Market Street P. O. Box 109 Lemoyne, Pennsylvania 17043-0109 (717) 761-4540 jrn@jdsw.com Attorneys for Plaintiff ERIE INSURANCE GROUP alslo ASHER ZEITLEN P.O. Box 2013 Mechanicsburg, PA 17055, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : DOCKET NO. ti.., -.;U&>9 (}~u; {~82-~ v. NATIONWIDE INSURANCE 1 Nationwide Plaza Columbus, OH 43215-2220 Defendant : ARBITRATION NOTICE TO DEFEND To the Defendant: You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 AVISO USTED HA SIDO DEMANDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar acci6n dentro de 105 pr6ximos veinte (20) dias despues de la notificaci6n de esta Demanda y Aviso radicando personal mente 0 por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se Ie advierte de que si usted falla de tomar acci6n como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda 0 cualquier otra reclamaci6n 0 remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u otros derechos importantes para usted. USTED DE BE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSTO A PERSONAS QUE CUALlFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 Johnson. Duffie, Stewart & Weidner By: John R. Ninosky, Esquire I.D. No. 78000 301 Market Street P. O. Box 109 Lemoyne, Pennsylvania 17043-0109 (717) 761-4540 jrn@jdsw.com Attorneys for Plaintiff ERIE INSURANCE GROUP a/s/o ASHER ZEITLEN P.O. Box 2013 Mechanicsburg, PA 17055, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : DOCKET NO. ()/... - ':lJ(.'j (t)LL/~ v. NATIONWIDE INSURANCE 1 Nationwide Plaza Columbus, OH 43215-2220 Defendant : ARBITRATION COMPLAINT AND NOW, comes the Plaintiff, Erie Insurance Group a/s/o Asher Zeitlen, by and through its attorneys, Johnson, Duffie, Stewart & Weidner, P.C., and files the following Complaint, and in support thereof avers as follows: 1. The Plaintiff, Erie Insurance Group, a/s/o Asher Zeitlen, is a Pennsylvania insurance company with its principal place of business located at 4901 Louise Drive, Rossmoyne Business Center, P.O. Box 2013, Mechanicsburg, Pennsylvania 17055. 2. The Defendant, Nationwide Insurance, is an Ohio insurance company with its principal place of business located at 1 Nationwide Plaza, Columbus, OH 43215-2220. 3. At all times relevant hereto, Erie was the insurer of Asher Zeitlen's home, located at 148 Walnut Street, Lemoyne, Pennsylvania 17043. 4. To the extent that Erie has paid certain sums of money to Asher Zeitlen pursuant to an insurance policy, Erie is a subrogee of Asher Zeitlen with respect to the claims made against Nationwide Insurance. 5. On or about July 23, 2004, Asher Zeitlen's home sustained property damage when a dead tree fell on Zeitlen's home during a severe storm. 6. At all times material hereto, Defendant was the insurer of the property owner from which the dead tree fell. 7. By reason of the aforesaid property damage sustained, the Plaintiff, Erie Insurance Group, by reason of a policy of insurance maintained by Zeitlen, was forced to pay for the property damage sustained, and therefore presents this claim in subrogation. 8. At all times material hereto, Erie Insurance and Nationwide Insurance are members of the Arbitration Forums, Inc. A copy of the Property Subrogation Arbitration Agreement is attached hereto and incorporated herein by reference as Exhibit "A." 9. On or about July 7, 2005, an arbitration hearing was held and Plaintiff was awarded $5,670 as a result of the arbitrary decision. A copy of the arbitration award is attached hereto and incorporated herein by reference as Exhibit "B." 10. In compliance with Section Six, Rule 6-1 of the Property Subrogation Arbitration, all awards shall be paid within thirty (30) days of publication. A copy of Section Six is attached hereto and incorporated herein by reference as Exhibit "C." 11. In compliance with Section Six, Rule 6-2 of the Property Subrogation Arbitration, Plaintiff and the Arbitration Forums, Inc., notified Defendant in writing that payment has not yet been made. A copy of Arbitration Forums, Inc.'s December 19, 2005 letter to Nationwide is attached hereto and incorporation herein by reference as Exhibit "D." 12. Defendant refuses and continues to refuse to make payment awarded to Plaintiff in the amount of $5,670. This refusal is in violation of the Arbitration Agreement and done in bad faith. 13. Plaintiff is entitled to recover attorneys' fee and costs incurred. 14. Plaintiff avers that damages do not exceed the applicable limits of arbitration referral by Local Rule. WHEREFORE, the Plaintiff demands judgment against the Defendant, Nationwide Insurance, in the amount of $5,670.00, together with attorneys' fees, interest and costs of suit. Respectfully submitted, JOHNSON, DUFFIE, STEWART & WEIDNER BY~ /(A~ ohn R. Ninosky, Esq. I.D. No. 78000 Johnson, Duffie, Stewart & Weidner 301 Market Street P. O. Box 109 Lemoyne, PA 17043 (717) 761-4540 Lj /iHrl()(:~) :273491 22740-2062 By: ~P( K;r. ./;A'A'~C] o n R. Ninosky, Esquire VERIFICA TION I, John R. Ninosky, Esquire, hereby verify that 1 am the attorney for the Plaintiff in the herein lawsuit, that I authorized by the Plaintiff to make this Verification and that the statements contained in the foregoing document are true and correct to the best of my knowledge, information and belief. I understand that false statements contained therein are made subject to the penalties of 18 Pa. C.SA ~ 4904, relating to unsworn falsification to authorities. Dated: 1/J.1/D0 1 txhlhd A @ o o g , ~ (a) it is not a signatory company nor has given written consent. (b) such claim or suit creates any cause of action or liabilities that do not currently exist in law or equity; or (c) its policy is written on a retrospective or experience-rated basis; or (d) any payment which such signatory company may be required to make under this Agreement is or may be in excess of its policy limits. However, an Applicant may agree to accept an award not to exceed policy limits and waive their right to pursue the balance directly against the Respondent's insured; or (e) it has asserted a denial of coverage; or (I) any claim which a lawsuit was instituted prior to, and is pending, at the time the Agreement is signed; or (g) it is a watercraft claim(s) arising from accidents on waters under federal or international jurisdiction; or (h) under the insurance policy, settlement can be made only with the insured's consent. By signing this Agreement, the company accepts and binds itself to the following: Article First Compulsory Provisions Signatory companies must forego litigation and submit any personal, commercial, or self-insured property subrogation claims to Arbitration Forums, Inc. (herein after referred to as AF). Article Second Exclusions No company shall be required, without its written consent, to arbitrate any claim or suit if: Article Third Decisions The decision of the arbitrator(s): (a) shall be based on local jurisdictional law consistent with accepted claim practices. (b) is final and binding without the right of rehearing or appeal. However, this does not preclude AF from correcting a clerical or jurisdictional error of an arbitrator(s) or AF staff. (c) is neither res judicata nor collateral estoppel to any other claim or suit arising out of the same accident, occurrence, or event except where an applicant seeks recovery of supplemental damages as allowed under the Awards section of the rules. The decision is conclusive only of the issues in the matter submitted to the panel and only as to the parties to the arbitration. The admissibility of the decision in any other proceeding is not intended, nor should be inferred from this Agreement. All matters concerning an arbitration proceeding shall be held in strict confidence. Article Fourth Non-Compulsory Provisions The parties may, with written consent, submit a claim: (a) that exceeds this forum's monetary limit, or (b) where a non-signatory wants to participate. Once a company gives written consent, all Articles and Rules of this forum are applicable, and the company may not revoke its consent. ~.Rll]TR^nON fORUMS. INl:. Any signatory company may withdraw from this Agreement by notice in writing to AF. Such withdrawal will become effective sixty (60) days after receipt of such notice except as to cases then pending before arbitration panels. The effective date of withdrawal as to such pending cases shall be upon final compliance with the finding of the arbitration panel on those cases. IN WITNESS WHEREOF, I have hereunto set my hand on the day of ,20 Article Fifth AF's Function and Authority AF, representing the signatory companies, is authorized to: (a) make appropriate Rules and Regulations for the presentation and determination of controversies under this Agreement; (b) determine the location, and the means by which, arbitration cases are heard; (c) determine qualification criteria and provide for the selection and appointment of arbitrators; (d) establish fees; (e) invite other insurance carriers, noninsurers, or self-insureds to participate in this arbitration program, and compel the withdrawal of any signatory for failure to conform to the Agreement or the Rules issued there- under. The signatories, directors, officers, staff, ageuts, aud AF employees, as well as the arbitrators, are not liable to and will be held harmless by any party (ies) for any negligence, act, or omission concerning the processing, administration, or hearing of any arbitration conducted under this Agreement. Article Sixth Withdrawals Group/Company' Signature Print Name (Please check one) o Insurer 0 Self-Insured Title Address Telephone No. City/State/Zip . If signing for group, please lisl companies signatory to Ihis agreement below. PLEASE RETURN COMPLETED AGREEMENT TO: ARBITRATION FORUMS, INC., PO Box 271500, TAMPA, FL 33688-1500. <<) 2005 Arbitration Forums, Inc. 1105 AGR-P ffkFr j) . AF Docket Details for P093001660500 Page 10f2 ~ -~~-~ '~ ~ I . ; <f.:llk~\rtn-.j l.:.L;\I.3 t~, NTEc.R[r~. j'n"(~"/dl()~ /1 ---------------- (""L31\ ','Et~ ~'_-[IS;;"\.CTit':-': ~. " ra~lI~i~;:i~~!III~m.l~:~~~~!~it;~ii~i'. I QctQber 26, 2005 at 13:47:54 EDT Docket Details for P093-00166-05-00 IHearing Information I Docket Status: CLOSED D~te Received: Apt 29, 2005 Clase Date: Aug 11, '.005 Hearing Type: SCHEDULED HEARING Hearing Location= HOLlDAY INN - GREENTREE Case Type: HEARD 401 HOlIDAY DRIVE PITTSBURGH, PA 15220 Last Resclledule Jun 30, 2005 last Online Responoe o Jun 21, 2005 Request Date: Note: Applicable If rules 2-2 and 2-3 D~: have been complied with IAPPIi~nt Information I Company Code - 00189 - ERIE INS GROUP Company AddreSS: P.O.BOX 2013 Name: SUbsidiary Code . 0003 - ERIE INS CO City, State Zip: MECttANICSBURG, PA 170SS Name: File Number: 010170760423 Insured Name: ASHER ZEITl.EN LOSS Date: Jul 23, 2004 Loss Location: LEMOYNE, PA Filing Method: Received by Regular Mail. File Received: Yes Contentions Yes Representative Name: FRANDS GUIlLEMETTE Received: Personal Rep: No Representalive 717 795 2207 Plume: Return Photo: No Representalive Fax: Request Deferment: No Request Noliee: Yes Claim Amount: $5,170.011 Request 3 Person No Pan"': Deductible: $500.00 Net Sa'vage Recovery: IRespondent 1 Information I Company Code - 00210. NATIONWIOE COMPANIES Company Address: PO BOX 25SS Name: Subsidiary Code - 0005 - NAT10NWlO~ MUTUAL INS Q) City, state Zip: HARRISBURG, Pennsylvania 17105 Name: File Number. SIl37H6S7992 Insured Name: BlAIR TROGNER Representalive Name: DENNIS MARCOZZl Representative Phone: Representative Fax: Answer ReceiVed: NO I Respondent 2 Information I Company Code - 00008 -lAAVaERS COMPANIES Company Address. 1U SCHILUNG OR Name: Subsidiary Code . 0009 -lAAVB.ERS INSURANCE City, State ZIp: HUNT VAlLEY , Maryi~nd 21031 Name: COMPANY File NUmber: L6E3311 Insured Name: KEN ER8 900 lEi h_.//"-""W Mhfil...or,,/webann/execute/docketDetails?docketNo=P093001660500 10/26/2005 YVd le:11 craM 900Z/61/tO AF Docket Details for P093001660500 Page 2 of2 Representative. Name: JACK MOELI..m Representative Phone: Rep.......ntative Fax: AnsWer Received: No IHearing Notices I I Company IIMailing Priority II Date Mailed I 00210 - OQ!l5. _NATIONWIDE MUTUAL II'!S m CERTIFIED Jun 9, 2005 PGM!! - oo..!l.!LIRI\VEIJ!J~$ INSI,JRAm;.E CERTIFIED Jun 9, 2005 COM~AIff amS9 - 0003 ERXE INS CO FIRST crASS Jun 9, 2005 IDecision Information I Panetist(s): K1ER FARMER Basis Of Findings: APPllCANT ERIE PROVED 100% UABIlllY VS RESPONOENT#l NATIONWIDE Comments: RESP#l W/lS PlACED ON NOTICE WElL BEFORE THE LOSS -mAT THE lREE IN QUESTIONED NEEDED REMOVAL DUE TO m; HAZARDOUS CDNDmON Applicant Appearance: EVIDENCE I Resp # II Appearance Description II Awan! Againstll Deduct:ible ~ Total Award I 01 NO ANSWER $5,170.00 $500_00 $5,670.00 02 NO ANSWER $0.00 $0-00 IRelated Dockets I I Docket No IIStatus IIApPlicant II File Number IIlnsured Name II Hearing DaIle I P..Q930!llS30S00 CLOSED THE TRAVELERS L6E3311 KENNTIf ElSHIRLEY Ju17, 2005 INDEMNITY CO RERB IDocket History I I Pate Added II Event Type II Desaiption II Addl!d By I May 02, 2005 Add Ood<et Dodret added on Sf2I200S by mdemens 12:02 PM JuI 15, 2005 Retained at Hearing Case Retained at Hearing By panel Administr1ltor 9:58 AM IDOcket Images I loocument Name II Document Type IIDate Processed I lIY..e0828pS 4~7J! StOOO3_1.1.tif DOCKETS AUg 28. 200S 200~ Arbilriltion Forum,., Inc. tpit.www--2 : DBTPA e-Mail the WebmastElr http://www.arbfile.org/webapp/execute/docketDetails?docketNo=P093001660500 10/26/2005 LOO ~ XVd TC: IT UalI 900V6l/tO 1/1812005 ocket Numbec P093-00166..Q5-00 DEe I S I QN L\ d-'~ 1\06 NOTICE Date Filed: 04/2912006 Case Information uty__ ~p',~~c!i!~ InsL.!r~..Name ._ Fife~~_,!!bgr ~ep~~.!"ent~e FRANCIS.GUILLEMETTE (717) 79-52207 010170760423 ASHER ZEITLEN 'P ERIE INS CO PO BOX 2013 MECHANICSBURG. PA 17055-0710 $P 01 NATIONWIDE MUTUAL INS CO PO BOX 2655 HARRISBURG. PA 17105-2655 DENNIS MARCOZZI ( ) . 58~7H657992 BUlIR TROGNER sp 02 TRAVELERS INSURANCE COMPANY 14 1 SCH:LbING'CI'R .. HUNT VALLEY. MD 21031.1110 JACK MOE~~ER . (.') . .;,--'.' ~6E3311 KEN ERB Date of ~o.s/Accident: 07/2~/2004 Company Claim Amount: $5,170,00 Place of Loss/Accident ~EMOYNE. PA Insured Deductible Int: 3500.00 Decision Information panelist #1: KleR FARMER Date Closed: 08/1112005 Applicant Appear: EVIDENCE )P# Aooearance Award Aaainst Deductible Total Award NO ANSWER 35.170.00 3500.00 35,670.00 2 NO ANSWER 3_00 3.00 30.00 .Jll!.c;:isioR PPLlCANT ERIE PROVED 1 00% ~IABILrTY VS RESPONDENT#1 NATIONWIDE Explanation of Decision The purpose gf thesA comments Is Informational. ArbitJirtion Forum5' rules of arbitration do not allow for review of panelisfs findings in fact or law. This panel comment section may not be used for review of a decision. ~ESP#1 WAS PLACED ON NOT[CE WELL BEFORE THE LOSS THAT THE TREE IN QUESTIONED NEEDED REMOVAL DUE TO [TS HAZARDOUS CONDITION Announcement 'I~E YOUR CASE IN AS LITTLE AS FIVE MINUTES WITH AF'S ONLINE FILlNGI THIS NEW SERVICE ALLOWS YOU TO FILE YOUR ,PPLlCATIONS AND RESPONSES AS WELL AS WITHDRAW CASES VIA AF'S WEB SITE, REDUCING TURNAROUND TIME FROM FlUNG '0 HEARING BY 15%. VISIT US ATWWW_ARBFlle.ORG. ~. .r.;;r ~ ..,;,J !J,'f t.~ ~ .~~ \ .,-...: ";.. 8t1s1of1 p093-001BS-05-DO " ~ ~ ~'" SOO~ YVd ZC:TT craM 900Z16T/~0 fJ<k, b' t C @ c " % , ~ , o , ~. If the award remains unpaid thirty (30) days after written request for payment, the Applicant company should send a copy of the letter to AF for processing. 5-5 After rendering a decision, arbitrators shall complete the following on the AF application (P-Form): (a) date closed (b) arbitrator's name (written legibly) (c) basis of findings (d) denote appearance of Applicant and Respondent in space provided (e) amount claimed (I) awards, if any 5-6 AF will send the decision to all interested parties by First Class Mail or electronic data interchange system. SECTION SIX AWARDS 6-1 Respondent(s) shall pay all awards within thirty (30) days of publication. 6-2 When an Applicant receives an award and Respondent does not honor it within thirty (30) days of publication, the local representative must immediately send a written request for payment. The Applicant should address the request to the Respondent's local senior claim representative by name. AF will bring the matter to the attention of the highest level within the Respondent company. Thirty (30) days after AF responds to the matter, the Applicant company is free to file in litigation for collection. This rule entitles the prevailing party in litigation to attorney's fees and costs incurred in pursuing collection. 6-3 The Respondent must pay any deductible interest of the Applicant's insured if the Applicant receives a favorable arbitration award. The Respondent makes the payment in 16 It) 2002 Arbitration Forums, Inc. 11102 j fxhihi+ ]) A ARBI];RATION:. FORUM.~ INC. -'~M Tampa Home Ol'flca PO Box 271500 Tampa. FL 33688-1500 Dan Graybill co-04-34 Director of Subrogation Nationwide General Ins Co 5525 Parkcenter Circle Dublin, OH 43017 December 19,2005 ..-Re, Unpaid ArbitratfunA......t"d._.~ .... AF Docket Number: P093001660500 Dear Dan Graybill co-04-34: The benefits of inter-company arbitra~on arc reaJi7.ed only when the pending claim file is closed. For this reason the member compariie$ have agreed to pay all awards within 30 days of a decision's publication. ~ a reminder, .payment is to be made only 10 the Applicant Company. We have been advised that the attached arbitration award remains unpaid. Anything you can do to expedite paym.ent of the award is ap'preciated. Should this award remain unpaid 30 days after the date of this letter, the Applicant Company may file in litigation to pursue collection (Rule 5-2). The prevailing party in litigation shall be entitled to attomey's fees and costs incurred in'puTsuing collection. Iftms letter is your company's first notice o'ftP.carbitrationproceedingor award, you must notify --Arbitration 'Forums~ me: withirr"3-0~days';"'l"l-ease scnd'acarbon copy'of.the. same to-the Applicant. Company. Very truly yours, Lori Anis On behalf of Arbitration Counsel 800-967-8889 Ext.2204 cc: FRANCIS GUILLEMETTE, ERIE INS CO Enclosure: Copy of Decision , ~ ~ $ ~ ~41 vv.z 7('!TT "'''''u n......_........ ,,,--_ f) -n ;:.J I' if( e :\l:. ~ If( if\. 1-'1 ---- -- \j --{ """" if't ~ ~ -- -- -.::t ~ ~ r f- " ".--L.. .. ORIGINAL Johnson, Duffie, Stewart & Weidner By: John R. Ninosky 1.0. No. 78000 301 Market Street P. O. Box 109 Lemoyne, Pennsylvania 17043-0109 (717) 761-4540 jrn@jdsw.com Attorneys for Plaintiff ERIE INSURANCE GROUP alslo ASHER ZEITLEN P.O. Box 2013 Mechanicsburg, PA 17055, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : DOCKET NO. 06-2369 Civil Term v. NATIONWIDE INSURANCE 1 Nationwide Plaza Columbus, OH 43215-2220 Defendant : ARBITRATION AFFIDAVIT OF SERVICE I, John R Ninosky, being duly sworn according to law, swear that I am the attorney for the Plaintiff in the herein action and that, pursuant to Pa. RCP. Section 405 (c) (2), I served the Defendant, Nationwide Insurance, with a Complaint in the herein action by mailing them a copy thereof by Certified mail, return receipt requested, served by regular mail on May 10, 2006 and received on May 16, 2006. The original return receipt card for Certified Mail, No. 70041350 0003 4501 4407, is marked Exhibit "A," and attached hereto. Dated: S:-J-S/Z; Johnson, Duffie, Stewart & Weidner PC BY:~ 1(~ John . ~inosky, Esquir &)G~I b,+ A - () c: "'" C::..'} ..~:_l L~ o .." ::;:I.,., rn~,- .. -nrn ~.:~'(J \_~j~: : ,,} ~1~~ ~-_5rn );! ~ ..1.1.-'" -< !'., c..J ...,., -,,~ ~. ~ en . Johnson, Duffie, Stewart & Weidner By: John R. Ninosky I. D. No. 78000 301 Market Street P. O. Box 109 Lemoyne, Pennsylvania 17043-0109 (717) 761-4540 jrn@jdsw.com Attorneys for Plaintiff ERIE INSURANCE GROUP alslo ASHER ZEITLEN IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. NO. 06-2369 Civil Term CIVIL ACTION - LAW ARBITRATION NATIONWIDE INSURANCE Defendant PRAECIPE TO THE PROTHONOTARY: PLEASE mark the docket in the above-captioned matter settled and discontinued. JOHNSON, DUFFIE, STEWART & WEIDNER By John R. Ninos y, Esquire 1.0. #: 78000 301 Market Street P.O. Box 109 Lemoyne, PA 17043-0109 e-mail: jrn@jdsw.com Attorneys for Plaintiff DATE: told~,6 284283 {e (") s- ...:' I (..r; -n ......... ~ 0-- ~~J ..;:;,-....- "-> ~~:::, "":'::~.)- ~ ~ CJ () -fJ :::;J n'1 :JJ r-- -;--:-'tJ-i ,'>) S'..:~ . :::'{-, ~ < I.~ ~5 (rj 1~:! :J:1 -.;;: