MICHAEL L. JONES v WELLS FARGO BANK Re: UNITED STATES DISTRICT COURT AFFIRMING A $3.1 MILLION...

7/28/2019 MICHAEL L. JONES v WELLS FARGO BANK Re: UNITED STATES DISTRICT COURT AFFIRMING A $3.1 MILLION PUNITIV…

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d r in f kg`h sh ij id t eg Wjh t gk Pt ft gs Cfjlrupt `y @iur t d ir t eg

Gfst gr j Kh st r h `t id Biuh sh fjf Fkvgr sfry @fsg Ji* 14. 6180 % Fkv* S*

Ki`s* ;=1 fjk ;=6( * % Sg`* Ki`* Ji* 66( * Fppgb b gg Nh `efgb B* O ijgs

d h b gk f r gspijsg cr h gd * % Sg`* Ki`* Ji* 63( * Fppgb b fjt d h b gk f r gpb y

cr h gd t egr gt i* % Sg`* Ki`* Ji* 60( *

Fppgb b fjt " ]gb b s Dfr mi Cfjl" J* F* % #]gb b s Dfr mi#( efs

sucnh t t gk t eg d ib b iwh jm Pt ft gngjt id H ssugs ij Fppgfb d r in t eg

O ukmngjt id t eg Cfjlr upt `y O ukmg gjt gr gk ij Fpr h b 7" 3163* % Fkv*

S* Ki`s* ;=1 fjk ;=6( ?

% 6( ]egt egr t eg Cfjlrupt `y @iur t gr r gk h j fwfr kh jm pujh t h vg

kfnfmgs h j b h met id O ijgs- d fh b ur g t i fppgfb t eg

Cfjlrupt `y @iur t - s h jh t h fb Fumust 38" 311= o ukmngjt

kgjyh jm pujh t h vg kfnfmgs* % Sg`* Ki`* Ji* 6. 0" ft 3( *

% 3( ]egt egr t eg Cfjlrupt `y @iur t gr r gk h j d fh b h jm t i fd d ir k

]gb b s Dfr mi kug pr i`gss" h j`b ukh jm?

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% f( h npish jm pujh t h vg kfnfmgs fjk ìjt gnpt sfj`t h ijs

d ir fb b gmgk ìjku`t t eft i`ùr r gk jit ijb y h j t eh s

`fsg cut fb si h j it egr `fsgs fd t gr t eg Cfjlrupt `y

ìur t - s Fumust 38" 311= o ukmngjt % H k* ( <

% c( h npish jm pujh t h vg kfnfmgs fjk ìjt gnpt sfj`t h ijs

wh t eiut % h ( jit h `g t i ]gb b s Dfr mi t eft t eg @iur t

wfs ìjt gnpb ft h jm ìjt gnpt sfj`t h ijs fjk % h h ( ]gb b s

Dfr mi cit e cgh jm fppr h sgk id fb b t eg gvh kgj`g upij

weh è t eg @iur t wiub k r gst h t s fko ukh `ft h ij fjk

efvh jm fj ippir t ujh t y d ir f egfr h jm fppr ipr h ft g t i

t eg jft urg id t eg `fsg fjk teg kfnfmgs fjk

sfj t h ijs t eg @iur t ìjt gnpb ft gk h npish jm % H k* ( <

fjk

% `( r gd ush jm ]gb b s Dfr mi- s rgqugst t eft t eg Cfjlrupt `y

@iur t t flg o ukh `h fb jit h `g id ]gb b s Dfr mi- s pist .

o ukmngjt gd d ir t s t i ìnpb y jit ijb y wh t e t eg

Cfjlrupt `y @iur t - s fknh jh st r ft h vg ir kgr t eft

rgsub t gk d rin h t s rub h jm h j O ijgs" cut fb si wh t e

t eg h jo uj`t h ijs h j t eh s `fsg fjk t eg Pt gwfr t `fsg

kur h jm t eg gxh st gj`g id t eisg h jo uj`t h ijs9 % H k* ( *

% 0( ]egtegr t eg Cfjlr upt `y @iur t grr gk?

% f( h j fwfrkh jm fjy pujh t h vg kfnfmgs fjk" gvgj h d

pujh t h vg kfnfmgs wgr g fwfr kfcb g" h j sgt t h jm t eg

fniujt id t eisg kfnfmgs % H k* ( < fjk

3



% c( h j h npish jm fjy ìjt gnpt sfj`t h ij fjk" gvgj h d t eg

@iur t efk t eg fut eir h t y t i h npisg suè f sfj`t h ij

fjk t eg sfj`t h ij wfs o ust h d h gk" h j sgt t h jm t eg

fniujt id t eft sfj`t h ij* % H k* ( *

Fppgb b fjt ijb y sucst fjt h vgb y fkkr gssgs h ssugs 6" 3% f( " fjk 0

h j h t s cr h gd s* [eus" t eg @iur t wh b b ijb y fkkr gss t eisg h ssugs*

F`ìr kh jmb y" fjk d ir t eg rgfsijs fr t h ùb ft gk cgb iw" H [ H P ISKGSGK

t eft t eg iph jh ij id t eg Cfjlrupt `y @iur t h s FDDH SNGK*

@fusg id F`t h ij fjk Df`t s id t eg @fsg?

[eh s nft t gr wfs ij r gnfjk t i t eg Wjh t gk Ptft gs Cfjlr upt `y

@iur t h j t eg Gfst gr j Kh st r h `t id Biuh sh fjf d r in t eg Dh d t e @h r ùh t

fjk t eg Kh st r h `t @iur t * % Sg`* Ki`* Ji* 6. 3" ft 6( * [eg nfjkft g

r gquh r gk r gìjsh kgr ft h ij id nijgt fr y sfj`t h ijs h j b h met id H j rg

Pt gwfr t " 4;= D* 0k 770 % 7t e @h r * 3166( *

[eh s fkvgr sfr y pri`ggkh jm wfs ir h mh jfb b y d h b gk cy Nh èfgb B*

O ijgs" kgctir % # O ijgs# ir #Kgct ir # ( h j fj gd d ir t t i r gìup

ivgr pfyngjt s nfkg t i ]gb b s Dfr mi ij eh s eing nir t mfmg b ifj* % Sg`*

Ki`* Ji* 6. 3" ft 3( * [eg ìnpb fh jt r gqugst gk r gt ur j id t eg

ivgr pfyngjt s" r gh ncur sgngjt id f`t ufb kfnfmgs" fjk pujh t h vg kfnfmgs

d ir vh ib ft h ij id t eg fut inft h ` st fy* % H k* ( * Ft t r h fb " t eg pfr t h gs

sgvgr gk Kgct ir - s r gqugst d ir ìnpgjsft iry fjk pujh t h vg kfnfmgs d r in

t eg ngr h t s id Kgct ir - s `b fh n d ir r gt ur j id ivgr pfyngjt s* % H k* " ft

0( *

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Ij Fpr h b 60" 311=" t eg Cfjlr upt `y @iur t gjt grgk fj Iph jh ij fjk

Qfr t h fb O ukmngjt fwfr kh jm O ijgs +3;" ;;6* 47" pb us b gmfb h jt gr gst d ir

fniujt s ivgr èfr mgk cy ]gb b s Dfr mi* % H k* ( * Fkkh t h ijfb b y" t eg

Iph jh ij d iujk ]gb b s Dfr mi t i cg h j vh ib ft h ij id t eg fut inft h ` st fy

cg`fusg h t fppb h gk pist . pgt h t h ij pfyngjt s nfkg cy O ijgs fjk eh s

t r ust gg t i ujkh s`b isgk pist . pgt h t h ij d ggs fjk ìst s jit fut eir h zgk

cy teg @iur t " jit h `gk t i Kgct ir ir eh s t r ust gg" fjk h j

ìjt r fvgjt h ij id Kgct ir - s ìjd h r ngk pb fj id r gir mfjh zft h ij fjk t eg

@ijd h r nft h ij Ir kgr * % H k* ( * ]gb b s Dfr mi wfs d iujk t i cg wh b b d ub fjk

gmr gmh ius h j h t s ìjku`t* % H k* ( *

F sgìjk egfr h jm ij sfj`t h ijs" kfnfmgs" fjk pujh t h vg r gb h gd

wfs egb k ij Nfy 38" 311=* % H k* ( * Ft t eg egfr h jm" ]gb b s Dfr mi

id d grgk t i h npb gngjt sgvgr fb r gngkh fb ngfsurgs kgsh mjgk t i ìr r g`t

syst gnh ` pr icb gns wh t e h t s f`ìujt h jm id eing nirt mfmg b ifjs

% #F`ìujt h jm Qri`gkur gs#( * [eg jgw F`ìujt h jm Qri`gkur gs wgrg

jgmit h ftgk cgtwggj teg Cfjlr upt `y @iur t fjk ]gb b s Dfr mi- s

r gpr gsgjt ft h vg* % H k* ( * [egy wgrg gncikh gk h j f sucsgqugjt

Puppb gngjt fb Ngnirfjkun Iph jh ij" Fngjkgk O ukmngjt " fjk

Fknh jh st r ft h vg Ir kgr 3115. 6* % H k* " ft 0. ;( * [eg Fngjkgk O ukmngjt

fb si fwfrkgk O ijgs +4=" 313* ;7 h j ìnpgjsft iry sfj`t h ijs d ir

ft t ir jgy- s d ggs fjk ìst s* % H k* " ft ;( * H t fb si ir kgr gk t eft t eg

fmr ggk upij jgw F`ìujt h jm Qr i`gkur gs cg h jst h t ut gk h j b h gu id

pujh t h vg kfnfmgs* % Pgg O ijgs v* ]gb b s Dfrmi" @T 18. 1=407" Sg`* Ki`*

Ji* 66" ft 3( * Dib b iwh jm t eg fmr ggngjt fjk h ssufj`g id f o ukmngjt

;



fjk ir kgr " ]gb b s Dfr mi r gvgr sgk h t s b gmfb pish t h ij fjk fppgfb gk t eg

Fngjkgk O ukmngjt t i t eg Kh st r h `t @iur t * % H k* ( * Ij fppgfb " t eg

Kh st r h `t @iur t fd d h r ngk t eg d h jkh jms id t eg cfjlrupt `y ìur t fjk

h j`r gfsgk t eg ìnpgjsftir y `h vh b fwfr k t i +6=1" 53;" 84* % H k* ( *

Eiwgvgr " cg`fusg ]gb b s Dfrmi wh t ekr gw h t s ìjsgjt t i teg

jijnijgt fry r gb h gd ir kgr gk" t eg h ssug id pujh t h vg kfnfmgs wfs

r gnfjkgk d ir d ur t egr d h jkh jms fjk ìjsh kgr ft h ij* % H k* ( * ]gb b s Dfr mi

fppgfb gk t eg Kh st r h `t @iur t r gnfjk" cut t eg Dh d t e @h r ùh t kh snh ssgk

t eg fppgfb d ir b f`l id o ur h skh `t h ij* % H k* ( *

Ij I t icgr 6" 3118" t eg Cfjlr upt `y @iur t h npisgk t eg ir h mh jfb

sfj`t h ijs ir kgr gk % t eg F ìujt h jm Qri`gkur gs( h j b h gu id pujh t h vg

kfnfmgs* O ijgs v* ]gb b s Dfr mi Eing Nir t mfmg" H j`* " ;65 C* S* 45=

% Cfjlr* G* K* Bf* 3118( * Cfsgk ij t eg d h jkh jms id t eg Kh st r h `t @iur t "

t eg Cfjlrupt `y @iur t fb si gjt gr t fh jgk O ijgs- r gqugst d ir fj

h j`r gfsg h j ìnpgjsftir y sfj`t h ijs* % H k* ( * ]gb b s Dfr mi ippisgk t eg

r gqugst " cut sgt t b gk t eg nft t gr d ir fj ujkh s`b isgk st h pub ft gk

fniujt * % H k* ( * O ijgs fppgfb gk teg kgjh fb id pujh t h vg kfnfmgs*

% H k* ( * Ij Fumust 3;" 3161" t eg Kh st r h `t @iur t fd d h r ngk t eg Qfr t h fb

O ukmngjt ij Sgnfjk* % H k* " ft 7( * Fmfh j" O ijgs fppgfb gk t eg kgjh fb

id pujh t h vg rgb h gd t i t eg Dh d t e @h rùh t * % H k* ( *

[eg Pt gwfr t @fsg? Ij Fumust 30" 311=" nirg t efj d iur nijt es

fd t gr t eg Cfjlr upt `y @iur t gjt gr gk h t s h jh t h fb iph jh ij h j t eg O ijgs

`fsg" Ns* Kir it ey Pt gwfr t d h b gk fj Ico g`t h ij t i t eg Qr iid id @b fh n

id ]gb b s Dfr mi h j egr % sgpfr ft g( cfjlrupt `y `fsg fb si pgjkh jm h j

7



t eh s kh st r h `t * % H k* ( * [eg Ico g`t h ij fb b gmgk h j pfr t t eft t eg fniujt

`b fh ngk cy ]gb b s Dfr mi h j h t s pr iid id `b fh nwfs h jìr r g`t cg`fusg

pr gpgt h t h ij pfyngjt s efk cggj h npr ipgr b y fppb h gk* % H k* ( * [eg

Ngnirfjkun Iph jh ij h ssugk h j t eg Pt gwfr t `fsg d iujk t eft ]gb b s

Dfr mi nh sfppb h gk egr pfyngjt s h j f d fseh ij h kgjt h `fb t i O ijgs* Pgg

H j r g Pt gwfr t " 086 C* S* 03= % Cfjlr * G* K* Bf* 3115( * Fs wh t e t eg

O ijgs kg`h sh ij" ]gb b s Dfr mi- s f`t h ijs r gsub t gk h j fj h jìr r g`t

fnir t h zft h ij id Ns* Pt gwfr t - s kgct fjk t eg h npish t h ij id

ujfut eir h zgk ir ujwfr r fjt gk d ggs fjk ìst s* % Sg`* Ki`* Ji* 6. 3" ft

7( * Cg`fusg ]gb b s Dfr mi- s d fh b ur g wfs f cr gfè id h t s icb h mft h ijs

ujkgr t eg Qfr t h fb O ukmngjt ij Sgnfjk" h t wfs ir kgrgk t i fukh t gvgry

cir r iwgr wh t e f `fsg pgjkh jm h j t eh s kh st r h `t d ir ìnpb h fj`g wh t e

t eg F`ìujt h jm Qr i`gkur gs* % H k* ( * [eg Pt gwfr t o ukmngjt wfs fd d h r ngk

cy t eg Kh st r h `t @iur t fd t gr ]gb b s Dfr mi fppgfb gk* ]gb b s Dfr mi t egj

fppgfb gk t eg Ptgwfr t o ukmngjt t i t eg Dh d t e @h r ùh t * % H k* ( * [eg

Dh d t e @h r ùh t fd d h r ngk t eg d h jkh jms fjk ìnpgjsftir y fwfr k

ìjt fh jgk h j t eg Pt gwfr t O ukmngjt * H j r g Pt gwfr t " 4;= D* 0k 770 % 7t e

@h r * 3166( * Eiwgvgr " t eg Dh d t e @h r ùh t fb si d iujk t eft t eg ir kgr

r gquh r h jm fukh t s id kgct ir f`ìujt s wfs cgyijk t eg Cfjlr upt `y

@iur t - s o ur h skh `th ij* % Sg`* Ki`* Ji* 6. 3" ft 7( * Fs f r gsub t " t eft

pir t h ij id t eg r gb h gd wfs vf`ft gk* % H k* ( * [eg Pt gwfr t fppgfb

pr g`gkgk egfr h jm ij t eg O ijgs fppgfb * % H k* ( * H j b h met id Pt gwfr t "

t eg Dh d t e @h r ùh t r gnfjkgk t eg Qfr t h fb O ukmngjt ij Sgnfjk d ir

ìjsh kgr ft h ij id fb t gr jft h vg" pujh t h vg nijgt fr y sfj`t h ijs* % H k* ( *

4



H j t eg 3163 Cfjlr upt `y ìur t o ukmngjt fppgfb gk d r in egrg %

O ijgs v* ]gb b s Dfr mi Eing Nir t m* " H j`* " 14. 618; % Cfjlr * G* K* Bf*

Fpr * 7" 3163( ( " d iujk t eft ]gb b s Dfr mi wh b b d ub b y vh ib ft gk t eg

fut inft h ` st fy h npisgk cy 66 W* P* @* § 043 wegj h t ?

èfrmgk Kgct ir - s f`ìujt wh t e ujr gfsijfcb g d ggs fjkìst s< d fh b gk t i jit h d y Kgct ir t eft fjy id t egsg pist .pgt h t h ij èfr mgr s wgr g cgh jm fkkgk t i eh s f`ìujt < d fh b gkt i sggl @iur t fppr ivfb d ir sfng< fjk pfh k h t sgb d iut id gst ft g d ujks kgb h vgr gk t i h t d ir pfyngjt id it egr kgct *

% Sg`* Ki`* Ji* 6. 3" ft 4( *

[eg Cfjlrupt `y @iur t h npisgk +0" 6=6" 67;* 11 h j pujh t h vg kfnfmgs

ij ]gb b s Dfr mi h j ìjjg`t h ij wh t e h t s vh ib ft h ij id t eg fut inft h `

st fy h j O ijgs- cfjlrupt `y `fsg* % Sg`* Ki`* Ji* 6. 3" ft 36( * [eg

h ssugs h j t eh s fppgfb ìj`gr j ijb y t eg pr ipr h gt y id t eg +0* 6=6

nh b b h ij pujh t h vg kfnfmg fwfr k h j O ijgs TH H H *

Bfw fjk Fjfb ysh s

F* Pt fjkfrk id Sgvh gw

#F cfjlr upt `y ìur t - s d h jkh jms id d f`t fr g suco g`t t i `b gfr b y

gr r ijgius r gvh gw" weh b g h t s ìj`b ush ijs id b fw fr g r gvh gwgk kg

jivi* # Qr i. Pjfx Kh st r h cut ir s" H j`* v* Dfnh b y Pjf`ls" H j`* " 67= D* 0k

;6;" ;31 % 7t e @h r * 6885( *

C* O ijgs Kh k Jit ]fh vg Eh s @b fh nd ir Qujh t h vg Kfnfmgs fjk t eus" t eg

@b fh n h s jit Cfr r gk

[eg wfh vgr ki`t r h jg fr h sgs fs f r gsub t id f pfr t y- s h jf`t h ij*

H t eib ks t eft #fj h ssug t eft ìub k efvg cggj cut wfs jit r fh sgk ij

=



fppgfb # h s prgvgjt gk d r in cgh jm ìjsh kgr gk ij f sgìjk fppgfb *

Bh jkquh st v* @h t y id Qfsfkgjf [gxfs" 448 D* 0k 337" 308 % 7t e @h r *

3163( * #[eg ki`t r h jg pr init gs pr i`gkur fb gd d h `h gj`y fjk pr gvgjt s

t eg ch zfr r g r gsub t t eft f pfr t y wei efs èisgj jit t i fr mug f pih jt

ij f d h r st fppgfb seiub k st fjk cgt t gr fs r gmfr ks t eg b fw id t eg

`fsg tefj ijg wei efk frmugk fjk b ist * # H k* " ft 308. 3;1 % h jt gr jfb

`h t ft h ij inh t t gk( * Eiwgvgr " fj h ssug h s jit wfh vgk h d t egr g wfs ji

r gfsij t i r fh sg h t ij d h r st fppgfb ir h d h t ìub k jit efvg cggj

r fh sgk ij d h r st fppgfb * W* P* v* Bgg" 075 D* 0k 067" 030. 3; % 7t e @h r *

311;( *

[eh s `fsg d h t s ujkgr Bgg- s fr t h ùb ft h ij id f s h t uft h ij h j

weh è t egr g wfs ji r gfsij t i r fh sg teg h ssug ij d h r st fppgfb *

Cgd ir g t eg h ssufj`g id t eg O ijgs H H kg`h sh ij % O ijgs v* ]gb b s Dfr mi

Eing Nir t mfmg" H j`* " 311= ]B 3;51;8; %Cfjlr * G* K* Bf* 311=( " ]gb b s

Dfr mi id d grgk t i h npb gngjt sgvgr fb r gngkh fb ngfsurgs kgsh mjgk t i

ìr r g`t syst gnh ` pr icb gns wh t e h t s f`ìujt h jm id eing nirt mfmg

b ifjs* % Sg`* Ki`* Ji* 6. 3" ft 0( * [eg jgw F`ìujt h jm Qri`gkur gs

wgrg jgmit h ftgk cgtwggj teg cfjlr upt `y ìur t fjk ]gb b s Dfr mi- s

r gpr gsgjt ft h vg fjk wgrg gncikh gk h j t eg O ijgs H H iph jh ij* % H k* ( *

Dib b iwh jm t eg h ssufj`g id t eft iph jh ij" ]gb b s Dfr mi r gvgr sgk h t s

b gmfb pish t h ij fjk fppgfb gk t eg O ukmngjt t i t eg Kh st r h `t @iur t *

% H k* ( * Ij fppgfb " t eg Kh st r h `t ìur t egb k t eft cg`fusg ]gb b s Dfr mi

wh t ekr gw h t s ìjsgjt t i t eg jijnijgt fr y rgb h gd ir kgr gk" t eg h ssug

id weft r gngky seiub k cg h npisgk wfs r gnfjkgk d ir d ur t egr d h jkh jms

5



fjk ìjsh kgr ft h ij* % H k* ( * [eus" fs Fppgb b gg O ijgs efs pih jt gk iut "

t eg Kh st r h `t @iur t ir kgr h j O ijgs H H H % O ijgs v* ]gb b s Dfr mi Eing

Nir t mfmg" H j`* " 068 C* S* 7== % G* K* Bf* 3115( ( jub b h d h gk t eg gfr b h gr

r ub h jm ij pujh t h vg kfnfmgs* H j t eh s nft t gr " t eg kh st r h `t ìur t

spg`h d h `fb b y ir kgr gk t eft f r gngky cg r gìjsh kgr gk cg`fusg id t eg

pfr t h ùb fr `h r ùnst fj`gs t eft ]gb b s Dfr mi h t sgb d `r gft gk* [egr g wfs

ji r gfsij d ir O ijgs t i fppgfb f r ub h jm t eft wfs sucsgqugjt b y

jub b h d h gk* [eus" t eg Cfjlrupt `y @iur t wfs ìr r g`t h j ìjsh kgr h jm

O ijgs- `b fh n d ir pujh t h vg kfnfmgs* ]g r gsh st gk t eg h j`b h jft h ij t i

ìjsh kgr ]gb b s Dfr mi- s r ft h ijfb g egr g fs f d r h vib ius icst r u`t h ij

t eft jggkb gssb y kgb fys fjk sei`lh jmb y efr fssgs t eg gjks id o ust h `g*

@* [eg Cfjlr upt `y @iur t Kh k Jit Gr r h j Fwfrkh jm fjk @fb ùb ft h jmQujh t h vg Kfnfmgs

[eg Cfjlr upt `y @iur t - s d h jkh jm t eft ]gb b s Dfr mi wh b b d ub b y

vh ib ft gk t eg fut inft h ` st fy h npisgk cy 66 W* P* @* § 043 h s jit ft

h ssug* % Sg`* Ki`* Ji* 6. 3" ft 61( * Pg`t h ij 043 fb b iws d ir t eg fwfr k

id f`t ufb kfnfmgs" h j`b ukh jm ìst s fjk ft t ir jgys- d ggs" fs f r gsub t

id f st fy vh ib ft h ij" fjk pujh t h vg kfnfmgs # h j fppr ipr h ft g

`h r ùnst fj`gs* # 66 W* P* @* § 043% l( * @fsgs h jt gr pr gt h jm t eg stfjkfr k

d ir #fppr ipr h ft g `h r ùnst fj`gs# efvg h jkh `ft gk t eft pujh t h vg

kfnfmgs `fj cg suppir t gk wegj t eg ìjku`t ft h ssug h s h jt gjt h ijfb

fjk gmr gmh ius" H j r g Lgt gb sgj" 551 D* 3k 881" 880 % 5t e @h r * 6858( "

ir wegj t eg kgd gjkfjt f`t gk h j #cfk d fh t e" # ir wh t e f`t ufb

8



ljiwb gkmg t eft eg wfs vh ib ft h jm t eg d gkgr fb b y pr it g`t gk r h met ir

wh t e r g`lb gss kh sr gmfr k id wegt egr eg wfs kih jm si* # H j r g Pfjègz"

0=3 C* S* 358" 067 % Cfjlr * P* K* [gx* 311=( *

]g f``gpt t eg Cfjlrupt `y @iur t - s d h jkh jms id d f`t fs t r ug fjk

sucst fjt h fb b y suppir t gk cy t eg rgìr k* ]gb b s Dfrmi ljgw id Kgct ir - s

pgjkh jm cfjlrupt `y fjk ]gb b s Dfr mi h s f sipeh st h `ftgk b gjkgr wh t e

t eiusfjks id `b fh ns h j cfjlr upt `y `fsgs pgjkh jm t er iumeiut t eg

ìujt r y* H t h s d fnh b h fr wh t e t eg pr ivh sh ijs id t eg Cfjlrupt `y @ikg"

pfr t h ùb fr b y t eisg r gmfr kh jm fut inft h ` st fy* % Sg`* Ki`* Ji* 6. 3" ft

66( * ]gb b s Dfr mi fssgssgk pist pgt h t h ij èfr mgs ij t eh s b ifj weh b g

h j cfjlr upt `y* % H k* ( * Kgsph t g fssgssh jm pist pgt h t h ij èfr mgs" ]gb b s

Dfr mi wh t eegb k t eh s d f`t d r in h t s cir r iwgr fjk kh vgr t gk pfyngjt s

nfkg cy t eg t r ust gg fjk Kgct ir t i sft h sd y `b fh ns jit fut eir h zgk cy

t eg pb fj ir @iur t * % H k* ( * ]gb b s Dfr mi fknh t t gk t eft t egsg f`t h ijs

wgr g pfr t id h t s jir nfb ìur sg id ìjku`t " pr f`t h `gk h j pgr efps

t eiusfjks id `fsgs* % H k* ( * @ijsh kgr h jm t egsg d f`t s" t eg Cfjlrupt `y

@iur t d iujk t eft ]gb b s Dfr mi- s ìjku`t wfs wh b b d ub " gmr gmh ius fjk

gxeh ch t gk f r g`lb gss kh srgmfr k d ir t eg st fy h t vh ib ft gk* % H k* ( *

Qujh t h vg kfnfmgs sgr vg f d uj`t h ij cr ifkgr t efj ìnpgjsft iry

kfnfmgs . # t egy fr g fh ngk ft kgt gr r gj g fjk r gt r h cut h ij* # Ptftg

Dfr n Nut * Fut i* H js* @i* v* @fnpcgb b " 705 W* P* ;15" ;64 %3110(

% `h t h jm @iipgr H jkust r h gs" H j`* v* Bgft egr nfj [iib Mr iup" H j`* " 703

W* P* ;3;" ;03 % 3116( ( * #Qujh t h vg kfnfmgs nfy pr ipgr b y cg h npisgk

t i d ur t egr f Pt ft g- s b gmh t h nft g h jt gr gst s h j pujh seh jm ujb fwd ub

61



ìjku`t fjk kgt gr r h jm h t s r gpgt h t h ij* # CN] id Jirt e Fngr h `f" H j`*

v* Mir g" 76= W* P* 778" 745 % 6884( * Eiwgvgr " fb t eiume t eg Pt ft g

pissgssgs #kh s`r gt h ij ivgr t eg h npish t h ij id pujh t h vg kfnfmgs" h t

h s wgb b gst fcb h segk t eft t egr g fr g pr i`gkur fb fjk sucst fjt h vg

ìjst h t ut h ijfb b h nh t ft h ijs ij t egsg fwfr ks* # Pt ft g Dfr n" 705 W* P* "

ft ;64* #[eg Kug Qr i`gss @b fusg id t eg Diur t ggjte Fngjkngjt

pr ieh ch t s h npish t h ij id mr issb y gx`gssh vg ir fr ch t r fr y pujh sengjt s

ij f t ir t d gfsir * # H k* H j b h met id t egsg ìj`gr js" t eg Pupr gng @iur t

efs gst fcb h segk t er gg d f`t ir s d ir ìur t s t i ìjsh kgr wegj r gvh gwh jm

pujh t h vg kfnfmgs? % 6( t eg kgmr gg id r gpr gegjsh ch b h t y id t eg

kgd gjkfjt - s nh sìjku`t < % 3( t eg kh spfr h t y cgt wggj t eg f`t ufb ir

pit gjt h fb efr n sud d gr gk cy teg pb fh jt h d d fjk t eg pujh t h vg kfnfmgs

fwfrk< fjk % 0( t eg kh d d grgj`g cgtwggj t eg pujh t h vg kfnfmgs fwfrkgk

cy teg o ur y fjk t eg `h vh b pgjfb t h gs fut eir h zgk ir h npisgk h j

ìnpfr fcb g `fsgs* H k* " ft ;65 % `h t h jm Mir g" 76= W* P* " ft 7=7( *

% h ( Kgmr gg id r gpr gegjsh ch b h t y

[eg Puprgng @iur t efs st ft gk t eft # t eg nist h npir t fjt h jkh ùn

id t eg rgfsijfcb gjgss id f pujh t h vg kfnfmgs fwfrk h s t eg kgmr gg id

r gpr gegjsh ch b h t y id t eg kgd gjkfjt - s ìjku`t * # Pt ft g Dfr n" 705 W* P* "

ft ;68 % quit h jm Mir g" 76= W* P* " ft 7=7( * #\ H ^ jd b h `t h ij id gìjinh `

h jo ur y" gspg`h fb b y wegj kijg h jt gjt h ijfb b y t er iume fd d h r nft h vg f`t s

id nh sìjku`t " ir wegj t eg t fr mgt h s d h jfj`h fb b y vub jgr fcb g" `fj

wfr r fjt f sucst fjt h fb pgjfb t y* # Mir g" 76= W* P* " ft 7=4* [eg @iur t

66



h j Mir g d ur t egr st ft gk t eft ?

#gvh kgj g t eft f kgd gjkfjt efs r gpgft gkb y gjmfmgk h jpr ieh ch t gk ìjku`t weh b g ljiwh jm ir suspg`t h jm t eft h t wfsujb fwd ub wiub k pr ivh kg r gb gvfjt suppir t d ir fj fr mungjt t eft

st r ijm ngkh `h jg h s r gquh r gk t i ùr g t eg kgd gjkfjt - s kh sr gspg`td ir t eg b fw* Iur eib kh jms t eft f r g`h kh vh st nfy cg pujh segknir g sgvgr gb y t efj f d h r st id d gjkgr r gìmjh zg t eft r gpgft gknh sìjku`t h s nir g rgpr gegjsh cb g t efj fj h jkh vh kufb h jst fj`gid nfb d gfsfj`g* #

H k* " ft 7=4. ==*

H j Qeh b h p Nir r h s WPF v* ]h b b h fns" 7;8 W* P* 0;4" 077 % 311=( "

t eg Pupr gng @iur t `b fr h d h gk t eft gvh kgj`g id efr nt i jij. pfr t h gs t i

t eg b h t h mft h ij h s r gb gvfjt t i t eg r gpr gegjsh ch b h t y d f`t ir h j

fssgssh jm pujh t h vg kfnfmgs* Dur t egr " #egfvh gr pujh t h vg fwfrks efvg

cggj t eiumet t i cg o ust h d h fcb g wegj wr ijmkih jm h s efr k t i kgt g`t

% h j`r gfsgk èfj`gs id mgt t h jm fwfy wh t e h t ( " ir wegj t eg vfb ug id

t eg h jo ur y fjk t eg ìr r gspijkh jm ìnpgjsft iry fwfrk frg snfb b

% pr ivh kh jm b iw h j`gjt h vgs t i sug( * # Gxxij Peh pph jm @i* v* Cflgr "

77; W* P* ;=6" ;8; % 3115( *

Fppgb b fjt ]gb b s Dfr mi fr mugs t eft t eg Cfjlrupt `y @iur t - s

Qujh t h vg kfnfmgs fwfrk h j O ijgs TH H H wfs nfkg rgmfrkh jm ìjku`t

t eft wfs kh ssh nh b fr t i fjk h jkgpgjkgjt id t eg O ijgs stfy vh ib ft h ij

fjk t eft ujkgr Qeh b h p Nir r h s" pujh t h vg kfnfmgs nfy jit cg h npisgk

d ir efr n t i t eh r k pfr t h gs* % Sg`* Ki`* Ji* 66" ft 08( * Eiwgvgr " fs

jit gk gfr b h gr " t eg Pupr gng @iur t efs sfh k t eft kfnfmg ti teh r k

pfr t h gs nfy cg t flgj h jt i ìjsh kgr ft h ij h j fj fssgssngjt id

r gpr gegjsh ch b h t y* [eg Cfjlrupt `y @iur t kg`h sh ij cgb iw ìjsh kgr gk

63



]gb b s Dfr mi- s pr f`t h `g id vh ib ft h jm 043% l( st fys" fssgssh jm d ggs

fmfh jst kgct ir s wh t eiut jit h `g fjk t eg kh d d h ùb t y id fjy ijg kgct ir

ujìvgr h jm ]gb b s Dfrmi- s f`t h ijs* [eg Cfjlr upt `y @iur t nfkg t eg

d ib b iwh jm d h jkh jms id d f`t fjk fssgssngjt s r gmfr kh jm teg kgmr gg id

r gpr gegjsh ch b h t y id ]gb b s Dfr mi- s F`t h ijs?

]gb b s Dfr mi kh k jit fko ust O ijgs- b ifj fs ùr r gjt ij t egpgt h t h ij kft g fjk h jst gfk ìjt h jugk t i `fr r y t eg pfst kugfniujt s ìjt fh jgk h j t eg h t s pr iid id `b fh n h j O ijgs-cfb fj`g* H t fb si nh sfppb h gk d ujks r gmfr kb gss id siur `g irh jt gjkgk fppb h `ft h ij" t i pr g fjk pist . pgt h t h ij èfr mgs"h jt gr gst fjk jij. h jt gr gst cgfr h jm kgct h j ìjt r fvgjt h ijid t eg jit g" nir t mfmg" pb fj" fjk ìjd h r nft h ij ir kgr *]gb b s Dfr mi fssgssgk fjk pfh k h t sgb d pist . pgt h t h ij d ggsfjk èfr mgs wh t eiut fppr ivfb d r int eg @iur t ir jit h `g t i O ijgs* [eg jgt gd d g`t id ]gb b s Dfr mi- s f`t h ijs wfs fjivgrèfrmg h j gx`gss id +3;" 111* ]egj O ijgs qugst h ijgkt eg fniujt s iwgk" ]gb b s Dfrmi rgd usgk t i gxpb fh j h t s`fb ùb ft h ijs ir pr ivh kg fj fnir t h zft h ij sègkub g* ]egj O ijgs sugk ]gb b s Dfr mi" h t fmfh j d fh b gk t i pripgr b yf`ìujt d ir h t s `fb ùb ft h ijs* Fd t gr o ukmngjt wfs fwfr kgk"]gb b s Dfrmi d iumet t eg ìnpgjsft iry pirt h ij id t eg fwfrkkgsph t g jgvgr èfb b gjmh jm t eg `fb ùb ft h ijs id t egivgr pfyngjt * H j d f`t " ]gb b s Dfr mi- s h jh t h fb b gmfb

pish t h ij cit e cgd ir g t eh s @iur t fjk h j h t s d h r st fppgfbkgjh gk fjy rgspijsh ch b h t y t i rgd usgk pfyngjt s kgnfjkgk h jgr r ir * [eg ìst t i O ijgs wfs eujkr gks id t eiusfjks id kib b fr s h j b gmfb d ggs fjk d h vg ygfr s id b h t h mft h ij*

% Sg`* Ki`* Ji* 6. 3" ft 60( *

]gb b s Dfr mi efs t flgj t eg pish t h ij t eft gvgr y kgct ir h jt eg kh st r h `t seiub k cg nfkg t i èfb b gjmg" cy sgpfr ft gsuh t " t eg pr iid s id `b fh nir nit h ijs d ir r gb h gd d r int egfut inft h ` stfy h t d h b gs* H t efs st gfkd fst b y r gd usgk t ifukh t h t s pb gfkh jms ir pr iid s id `b fh nd ir gr r ir s fjk efs

r gd usgk t i vib ujt fr h b y ìr r g`t fjy gr r ir s t eft ìng t ib h met gx`gpt t er iume t er gft id b h t h mft h ij* Fb t eiume h t siwj r gpr gsgjt ft h vgs efvg fknh t t gk t eft h t r iut h jgb ynh sfppb h gk pfyngjt s ij b ifjs fjk h npr ipgr b y èfrmgk d ggs"t egy efvg r gd usgk t i ìr r g`t pfst gr r ir s* [egy st uccir jb yh jsh st ij b h nh t h jm fjy èfjmg h j t egh r ìjku`tpr ispg`t h vgb y" gvgj fs t egy sggl ti ìb b g`t ij b ifjs h j

60



it egr `fsgs d ir fniujt s iwgk h j gr r ir * ]gb b s Dfr mi- sìjku`t h s `b fjkgst h jg* Sft egr t efj pr ivh kg O ijgs wh t e fìnpb gt g eh st ir y id eh s kgct ij fj ijmih jm cfsh s" ]gb b sDfrmi sh npb y st ippgk ìnnujh `ft h jm wh t e O ijgs ij`g h tkggngk eh n h j kgd fub t * Ft t eft pih jt h j t h ng" d ggs fjkìst s wgr g fssgssgk fmfh jst eh s f`ìujt fjk sft h sd h gk

wh t e pist . pgt h t h ij pfyngjt s h jt gjkgk d ir it egr kgctwh t eiut jit h `g* Ijb y t er iume b h t h mft h ij wfs t eh s pr f`t h `gkh sìvgr gk* ]gb b s Dfrmi fknh t t gk t i teg sfng pr f`t h `gsd ir fb b it egr b ifjs h j cfjlr upt `y ir kgd fub t *

% H k* " ft 67. 64( % gnpefsh s fkkgk( *

Ivgr gh met y pgr `gjt id èfpt gr 60 kgct ir s h j t eh skh st r h `t efvg h jìngs id b gss t efj +;1" 111 pgr ygfr * [egcur kgj id gxt gjsh vg kh sìvgr y fjk kgb fy h s pfr t h ùb fr b yivgr wegb nh jm* H j \ t eg Cfjlrupt `y @iur t - s^ gxpgr h gj`g" h tt flgs ; t i 4 nijt es d ir ]gb b s Dfr mi ti pr iku`g f sh npb gf`ìujt h jm id f b ifj- s eh st ir y fjk ivgr ; ìur t egfr h jms*Nist kgct irs s h npb y ki jit efvg t eg pgrsijfb r gsiur `gs t ikgnfjk t eg pr iku`t h ij id f sh npb g f`ìujt h jm d ir t egh rb ifjs" nuè b gss vgr h d y h t s f`ùr f`y" t er iume fb h t h mft h ij pr i`gss* ]gb b Dfr mi efs t flgj fkvfjt fmg id cir r iwgrs wei rgb y ij h t t i f`ùr ftgb y fppb y pfyngjt s fjk`fb ùb ft g t eg fniujt s iwgk* * * \ h t r gb h gs^ ij t eg h mjir fj`gid cir r iwgr s ir t egh r h jfch b h t y t i d ujk f èfb b gjmg t ih t s kgnfjks" r ft egr t efj vib ujt fr h b y rgb h jquh se mfh jsict fh jgk t er iume h npr ipgr f`ìujt h jm ngteiks* * * \ ] egjgxpisgk" h t r gvgfb gk h t s t r ug ìr pir ft g èfr f`t gr cy

kgjyh jm fjy icb h mft h ij t i ìr r g`t h t s pfst t r fjsmr gssh ijsfjk niujt h jm f b gmfb fssfub t t i gjsurg h t jgvgr efk t i*Pi`h gt y rgquh r gs t eft t eisg h j cush jgss ìjku`tt egnsgb vgs wh t e eijgst b y fjk d fh r kgfb h jm* [eus" t egr g h sf st r ijm si`h gt fb h jt gr gst h j kgt gr r h jm suè d ut ur gìjku`t t er iume t eg h npish t h ij id pujh t h vg r gb h gd *

% H k* " ft 64( *

Cfsgk upij t eg d f`t ufb r gìr k cgd ir g h t " t eg Cfjlrupt `y @iur t

wfs ìr r g`t h j kggnh jm ]gb b s Dfrmi- s cgefvh ir r gpr gegjsh cb g fjk

d h jkh jm t eft fj fwfrk id pujh t h vg kfnfmgs wfs fppr ipr h ftg*

% h h ( [eg rft h i cgt wggj teg pujh t h vg kfnfmgs fjk t eg f`t ufb efr nh jd b h `t gk ij t eg pb fh jt h d d wfs jit gx`gssh vg*

6;



Gxgnpb fry kfnfmgs nust cgfr f #r gfsijfcb g rgb ft h ijseh p# t i

ìnpgjsft ir y kfnfmgs* Mir g" 76= W* P* " ft 751* [eg pr ipgr h jquh r y

d ir t eh s d f`tir h s #wegt egr t egr g h s f rgfsijfcb g r gb ft h ijseh p

cgt wggj teg pujh t h vg kfnfmgs fwfr k fjk teg efr n b h lgb y t i rgsub t

d r in t eg kgd gjkfjt - s ìjku`t fs wgb b fs t eg efr nt eft f`t ufb b y efs

i`ùr r gk* # H k* " ft 756 % h jt gr jfb `h t ft h ij inh t t gk( * [eg Pupr gng

@iur t efs r gh t gr ft gk t eft h t efs #ìjsh st gjt b y r go g`t gk t eg jit h ij

t eft t eg ìjst h t ut h ijfb b h jg \ cgt wggj f``gpt fcb g fjk ujf``gpt fcb g

pujh t h vg kfnfmgs^ h s nfrlgk cy f sh npb g nftegnft h `fb d irnub f" gvgj

ijg teft ìnpfrgs f`t ufb fjk pitgjt h fb kfnfmgs t i teg pujh t h vg

fwfrk* # H k* Biw fwfr ks id ìnpgjsft ir y kfnfmgs nfy suppir t f eh megr

r ft h i tefj eh me ìnpgjsftir y fwfr ks" h d " d ir gxfnpb g" f

pfr t h ùb fr b y gmr gmh ius f`t efs r gsub t gk h j ijb y f snfb b fniujt id

gìjinh ` kfnfmgs* H k* Eh megr r ft h is nfy fb si cg o ust h d h gk h j `fsgs

h j weh è t eg h jo ur y h s efr k t i kgt g`t * H k* " ft 753*

[eg Dh d t e @h r ùh t efs h jt gr prgt gk Mir g t i summgst gk t eft #f

ìur t seiub k fmmr gmft g teg f`t ufb fjk t er gft gjgk efr nsud d gr gk jit

ijb y cy t eg pb fh jt h d d cut fb si cy h jkh vh kufb s sh nh b fr b y sh t uft gk* #

]ft sij v* O iejsij Nich b g Eings" gt fb * " 35; D* 0k 745" 7=0 % 7t e @h r *

3113( * Dur t egr nir g" t eg Pupr gng @iur t efs st ft gk t eft # \ h ^ t h s

fppr ipr h ftg t i ìjsh kgr t eg nfmjh t ukg id t eg pit gjt h fb efr n t eft

t eg kgd gjkfjt - s ìjku`t wiub k efvg `fusgk t i h t s h jt gjkgk vh `t h nh d

t eg wr ijmd ub pb fj efk su``ggkgk" fs wgb b fs t eg pissh cb g efr n t i

it egr vh `t h ns t eft nh met efvg r gsub t gk h d sh nh b fr d ut ur g cgefvh ir

67



wgr g jit kgt grr gk* # [UI Qr iku`t h ij @ir p* v* Fb b h fj`g Sgsiur `gs

@ir p* " 718 W* P* ;;0" ;41 % 6880( *

Fkkh t h ijfb b y" t eg Dh d t e @h r ùh t efs jit gk t eft t eg sh zg id f

ìr pir ft h ij h s f d f`t ir t eft h s h jkh `ft h vg id t eg r gfsijfcb gjgss id

f kfnfmgs fwfr k* Gh ègjsggr v* Sgsgr vg Bh d g H js* @i* " 80; D* 3k

60==" 6050 % 7t e @h r * 6886( * H j t eft `fsg" t eg Dh d t e @h r ùh t egb k

t eft fj fwfr k t eft wfs `b isg h j pr ipir t h ij wh t e t eg pb fh jt h d d - s

ìnpgjsft iry kfnfmgs wiub k efvg efk b h t t b g kgtgrr gjt gd d g`t fmfh jst

f nfssh vg ìr pir ft h ij* H k* Fs ijg id t eg d ujkfngjt fb pur pisgs id

pujh t h vg kfnfmgs h s t i kgt gr f wr ijmkigr d r ind ut ur g nh sìjku`t " h t

h s pr ipgr t i ìjsh kgr t eg kgt gr r gjt gd d g`t id fj fwfr k* H k* " ft

605;*

[eg Puprgng @iur t efs kggngk f vfr h gt y id r ft h is cgt wggj

ìnpgjsft iry fjk pujh t h vg kfnfmgs pgrnh ss h cb g" kgnijst r ft h jm t eft

t egr g h s ji fcsib ut g r ub g ij t eg pr ipgr r ft h i t i fppb y* Pgg [UI"

718 W* P* " ft ;;0 % t eg rgb gvfjt r ft h i wfs jit nir g t efj 61 t i 6( <

Qf`h d h ` Nut ufb Bh d g H js* @i* v* Efsb h p" ;88 W* P* 6" 30. 3; % 6886( % ;

t h ngs t eg fniujt id ìnpgjsft iry kfnfmgs nh met cg #`b isg t i t eg

b h jg# cut kh k jit #`r iss t eg b h jg h jt i t eg fr gf id ìjst h t ut h ijfb

h npr ipr h gt y#( < Mir g" 76= W* P* " ft 750 % f r ft h i id pujh t h vg kfnfmgs

t eft wfs ivgr 711 t h ngs t eg fniujt id f`t ufb efrnfs kgt grnh jgk cy

f o ur y o ust h d h gk t eg #r fh s\ h jm id ^ f o ukh `h fb gygcr iw#( * [eus" t eg

Cfjlrupt `y @iur t wfs jit r gquh r gk t i nfh jt fh j f st r h `t `gh b h jm ij

t eg rft h i id ìnpgjsft iry t i pujh t h vg kfnfmgs*

64



[eg Cfjlr upt `y @iurt ìjsh kgr gk t eg d ib b iwh jm h j nflh jm h t s

kgtgrnh jft h ij ij pujh t h vg kfnfmgs?

Jir wgst Nir t mfmg" H j`* " j) l) f ]gb b s Dfrmi wfs fssgssgk

+3" 111" 111 h j gxgnpb fry kfnfmgs d ir èfrmh jm pist pgt h t h ijft t ir jgys d ggs t i kgct ir s- f`ìujt s wh t eiut kh s`b ish jmt eg d ggs t i fjyijg* Pb h `l v* Jir wgst Nir t mfmg" H j`* " 3113Cfjlr* Bgxh s =33 % Cfjlr * P* K* Fb f* 3113( * Diur ygfr s fd t grt eg r ub h jm h j Pb h `l" O ijgs d iujk t eft ]gb b s Dfr miìjt h jugk t i èfr mg ujkh s`b isgk pist pgt h t h ij d ggs kgsph t gt eft nub t h . nh b b h ij kib b fr kfnfmg fssgssngjt * Dib b iwh jm O ijgs" ]gb b s Dfr mi wfs h jvib vgk h j ft b gfst t wifkkh t h ijfb èfb b gjmgs t i t eg `fb ùb ft h ij id h t s `b fh ns h j\ Cfjlrupt `y^ ìur t * H j cit e `fsgs" t eg gvh kgj`g r gvgfb gkt eft ]gb b s Dfr mi ìjt h jugk t i h npr ipgr b y fnir t h zg b ifjscy gnpb iyh jm t eg sfng pr f`t h `gs pr ieh ch t gk cy O ijgs* % PggH j rg Pt gwfr t " 086 C* S* 03= % Cfjlr * G* K* Bf* 3115( < H j r gDh t è" 081 C* S* 50; % Cfjlr* G* K* Bf* 3115( ( * H j seir t "]gb b s Dfr mi efs seiwj ji h j`b h jft h ij t i èfjmg h t sìjku`t *

]egj jg`gssfry t i kgt gr r gpr gegjsh cb g ìjku`t " ìur t sid t gj fwfrk pujh t h vg kfnfmgs h j fj fniujt nub t h pb g t h ngsmr gft gr t efj f`t ufb kfnfmgs* * * * ]gb b s Dfr mi h s t eg sgìjkb fr mgst b ifj sgr vh `gr h j t eg Wjh t gk Pt ft gs* * * Qr gvh iussfj`t h ijs h j Pb h `l" Pt gwfr t " Dh t è fjk gvgj t eh s `fsgefvg jit kgt gr r gk ]gb b s Dfr mi* Fs r gìmjh zgk h j

Gh ègjsggr " h d pr gvh ius fwfr ks ki jit kgt gr sfj`t h ijfcb gìjku`t " b frmgr fwfrks nfy cg jg`gssfry*

% Sg`* Ki`* Ji* 6. 3" ft 65. 68( *

Wjkgr t eg `h r ùnst fj`gs" f r ft h i id 6? 61 . ìnpgjsft ir y t i

pujh t h vg kfnfmgs h s r gfsijfcb g ti kgt gr r gpr gegjsh cb g ìjku`t *

% h h h ( [eg Cfjlrupt `y- s @iur t `fb ùb ft h ij id t eg cfsg fniujt id

kfnfmgs wfs f``gpt fcb g fjk ]gb b s Dfr mi wfs sud d h `h gjt b y ij jit h `gt eft f sgvgr g pujh sengjt ìub k cg h npisgk t i wfr r fjt t eg Cfjlr upt `y@iur t - s fssgssngjt id pujh t h vg kfnfmgs*

]gb b s Dfr mi fr mugs t eft h j O ijgs H H " t eg ìur t fwfr kgk O ijgs

6=



fjk eh s ìujsgb f t itfb id +86" 447* 4= h j f`t ufb kfnfmgs d ir pur sh jm

]gb b s Dfr mi- s vh ib ft h ij id t eg fut inft h ` st fy* [eh s fwfr k" t egy

fssgr t " wfs ìnpisgk id ìnpgjsft ir y kfnfmgs" fniujt s t eft wgr g

vib ujt fr h b y r gt ur jgk pr g. o ukmngjt " sfj`t h ijs" ft t ir jgys- d ggs fjk

ìur t ìst s" fjk h jt gr gst ij t eg vib ujt fr h b y rgpfh k suns* % Sg`*

Ki`* Ji* 66" ft ;3( * ]gb b s Dfrmi fr mugs t eft t eg +86" 447* 4= h j

f`tufb kfnfmgs" gst fcb h segk h j Fumust 311= cgd irg fjy fppgfb s wgrg

t flgj ir b h t h mft gk" h s t eg pr ipgr nfxh nun #cfsg# fniujt d ir fjy

pujh t h vg kfnfmgs fwfr k* % H k* ( * H jst gfk" t eg Cfjlrupt `y @iur t

mr fjt gk fj fkkh t h ijfb +33;" ;;8* =0 h j ft t ir jgys- d ggs O ijgs h jùr r gk

fd t gr t eg O ijgs H H o ukmngjt . r gsub t h jm h j f cfsg fniujt id +06="

667* ;1* ]gb b s Dfr mi fr mugs t eft t eg gd d g`t id h j`b ukh jm t eisg d ggs

fs pfr t id t eg cfsgb h jg t i weh è t eg pujh t h vg r ft h i wfs fppb h gk wfs

t i pujh se ]gb b s Dfr mi d ir fppgfb h jm* % Sg`* Ki`* Ji* 60" ft 3=( *

]gb b s Dfr mi sucnh t s t eft fkkh jm t eg fppgb b ft g ft t ir jgys- d ggs t i

t eg cfsgb h jg h j `fb ùb ft h jm pujh t h vg kfnfmgs pujh segk ]gb b s Dfr mi

d ir gxgr `h sh jm h t s Dh r st Fngjkngjt r h met t i fppgfb s* % H k* " ft 38( *

]gb b s Dfr mi sucnh t s t eft t eg #Jh jt e @h r ùh t r ub gk h j Bfjkscgr m v*

P`r fccb g @r isswirk Mfng Qb fygrs" H j`* " 513 D* 3k 6680" 6688 % 8t e

@h r * 6854( t eft pujh t h vg kfnfmgs nfy jit cg kiucb gk ij r gnfjk ij

f`ìujt id h jt gr vgjh jm fppgb b ft g b h t h mft h ij fjk t eft t eg @iur t egb k

t eft h j`r gfsh jm pujh t h vg kfnfmgs fd t gr f pfr t y su``gssd ub b y

fppgfb gk t eg pr h ir o ukmngjt pisgk f - èh b b h jm h npgkh ngjt t i t eg

r h met t i fppgfb - fjk h t vf`ft gk teg pujh t h vg kfnfmgs fwfrk ij teft

65



mr iujk* % H k* " ft ;0( *

H j Bfjkscgr m" eiwgvgr " t eg kgd gjkfjt s wgr g jit èfb b gjmh jm t eg

kh st r h `t ìur t - s fwfr k id ft t ir jgy- s d ggs d ir wir l kijg upij

r gnfjk" t egy wgr g èfb b gjmh jm t eg kh r g`t kiucb h jm id f pujh t h vg

fwfr k* 513 D* 3k" ft 6688* H j d f`t " t eg @iur t h j t eft `fsg ìj`b ukgk

t eft #t eg \ kh st r h `t ^ ìur t kh k jit fcusg h t s kh s`rgt h ij h j fwfr kh jm

d ggs d ir t eg wirl upij r gnfjk* # H k* [eg Bfjkscgr m @iur t kh k jit

kh sùss wegt egr t eg fwfr k id ft t ir jgy- s d ggs fd d g`t gk t eg fwfr k id

pujh t h vg kfnfmgs* Fkkh t h ijfb b y" h j Bfjkscgr m" teg kh str h `t ìur t

efk fb r gfky h ssugk f kg`h sh ij ij pujh t h vg kfnfmgs fjk tegj

h j`r gfsgk t eisg kfnfmgs ij r gnfjk* H j teh s `fsg" t eg cfjlr upt `y

ìur t h ssugk f kg`h sh ij ij pujh t h vg kfnfmgs d ir t eg d h r st t h ng h j

t eg fppgfb gk kg`h sh ij ft h ssug egr g* Dur t egr nir g" vfr h ius ìur t s

efvg egb k t eft #t eg ìst s id b h t h mft h ij t i vh jkh `ft g r h met s h s fj

fppr ipr h ft g gb gngjt t i ìjsh kgr h j o ust h d yh jm f pujh t h vg kfnfmgs

fwfrk* # @ijt h jgjt fb [rgjk Sgsiur `gs" H j`* v* IUX WPF" H j`* " 616

D* 0k 40;" 4;3 % 61t e @h r * 6884( * [eh s h s pfr t h ùb fr b y r gb gvfjt h j

b h met id t eg d f`t t eft # \ f^ r h è kgd gjkfjt nfy f`t ippr gssh vgb y fjk

d ir `g ir pr ib ijm b h t h mft h ij sh npb y cg`fusg h t `fj fd d ir k t i ki si

fjk f pb fh jt h d d nfy jit cg fcb g ti cgfr t eg ìst s fjk kgb fy* # H k*

[eus" t eg Cfjlr upt `y @iur t - s `fb ùb ft h ij id t eg cfsg fwfr k wfs

r gfsijfcb g*

Fs t eg Cfjlrupt `y @iur t jit gk" d fh r jgss r gquh r gs t eft f pgr sij

r g`gh vg #d fh r jit h `g jit ijb y id t eg ìjku`t t eft wh b b suco g`t eh n

68



t i pujh sengjt " cut fb si t eg sgvgr h t y id t eg pgjfb t y* # Mir g" 76=

W* P* " ft 7=;* [eh s h npb h `ft gs ìnpfr h sijs cgt wggj t eg pujh t h vg

kfnfmgs fwfrkgk fjk t eg `h vh b pgjfb t h gs fut eir h zgk h j ìnpfrfcb g

`fsgs* H j cfjlrupt `y `fsgs" t eh s ìnpfr h sij `fj cg kh d d h ùb t *

# \ [êgrg h s jit f ìnpb gx st ftut iry sègng kgsh mjgk t i r gspijk t i

vh ib ft h ijs id t eg fut inft h ` st fy it egr t efj t eg Cfjlrupt `y ìkg

h t sgb d * Ph mjh d h `fjt b y" § 043% e( % jiw 043 % l( ( spg`h d h `fb b y pr ivh kgs

d ir t eg fwfrk id pujh t h vg kfnfmgs* [eus" `r gkh t irs nust cg pr gsungk

t i cg ij jit h `g t eft h d t egy vh ib ft g t eg fut inft h ` st fy" t egy wh b b

cg b h fcb g d ir pujh t h vg kfnfmgs* # H j r g O iejsij" Cfjlr * Ji* 14.

1370=. CM@. 60" 311= ]B 33=;=67" /67 % Cfjlr * J* K* Fb f* 311=( % `h t h jm H j

r g I fsh i" 3=3 C* S* 567" 53= % 6 st @h r * CFQ 3113( ( * #Cfjlrupt `y

ìur t kg`h sh ijs frg d fr d r inujh d ir nwh t e r gspg`t t i wegj fjk ujkgr

weft `h r ùnst fj`gs pujh t h vg kfnfmgs fr g fwfrkgk* # H k* #Eiw f st fy

vh ib ft ir h s t r gft gk h j cfjlrupt `y `fsgs vfr h gs cg`fusg id t eg nfjy

kh d d gr gjt `h r ùnst fj`gs t eft `fj fr h sg* # H j r g O iejsij" 311= ]B

33=;=67" /64*

H j t eh s `fsg" t eg Cfjlrupt `y @iur t r gfsijgk t eft ?

]gb b s Dfr mi h s f sipeh st h `ft gk b gjkgr fjk f r gmub frpfr t h `h pfjt h j cfjlrupt `y pr i`ggkh jms t er iumeiut t egìujt r y* H t h s r gpr gsgjt gk cy fcb g ìujsgb fjk wgb b .

vgr sgk h j t eg Cfjlr upt `y @ikg fjk t eg pr ivh sh ijs id fut inft h ` st fy* ]gb b s Dfrmi wfs ij jit h `g cy teg b fjmufmgid 043% l( t eft h t ìub k cg suco g`t t i pujh t h vg kfnfmgs"fjk h t wfs ij jit h `g ter iume o ur h spr ukgj`g teft t eisgkfnfmgs ìub k cg sgvgrg* #

% Sg`* Ki`* Ji* 6. 3" 31( " sgg fb si H j r g Pwh b b h jm" Fkv* Ji* 15.

31



6164. ]SP" 3115 ]B ;888181" ft /0 % Cfjlr * N* K* Fb f 3115( *

Dur t egr nir g" it egr ìur t s efvg r gfsijgk t eft #sipeh st h `ft gk

ìnngr `h fb gjt gr pr h sgs efvg f `b gfr icb h mft h ij t i fko ust t egh r

pr imr fnnh jm fjk pr i`gkur gs* * * t i efjkb g ìnpb gx nft t gr s ìr r g`t b y* #

H j r g N @irnf`l" 310 C* S* 736" 737 % Cfjlr * J* E* 6884( *

[eus" ]gb b s Dfr mi wfs ij jit h `g t eft h t s f`t h ijs wgr g

h npgr nh ssh cb g fjk ìub k h jùr sh mjh d h `fjt pgjfb t h gs fjk fssgssh jm

pujh t h vg kfnfmgs ft t gj t h ngs t eg fniujt id ìnpgjsft iry kfnfmgs h s

wh t eh j t eg ìjst h t ut h ijfb b h nh t s*

F`ìr kh jmb y" d ir t eg r gfsijs fr t h ùb ft gk fcivg" H [ H P

ISKGSGK t eft t eg Cfjlrupt `y @iur t - s iph jh ij h s FDDH SNGK*

Jgw Ir b gfjs" Biuh sh fjf" t eh s 65t e kfy id Nfrè" 3160*

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WJH [GK P[F[GP KH P[SH @[ O WKMG

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MICHAEL L. JONES v WELLS FARGO BANK Re: UNITED STATES DISTRICT COURT AFFIRMING A $3.1 MILLION...

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Transcript of MICHAEL L. JONES v WELLS FARGO BANK Re: UNITED STATES DISTRICT COURT AFFIRMING A $3.1 MILLION...