Osborne v. Hartford Life and Accident Insurance Company, No. 3:2012cv00009 - Document 18 (W.D. Va. 2012)

Court Description: MEMORANDUM OPINION. Signed by District Judge Glen E. Conrad on 9/17/12. (hnw)
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CL SOFFI u. . ST. ERK CE S DS COURT . I THE UNI N TED STATES DI STRI COURT CT FOR THE W ESTERN DI STRI OF VI NI CT RGI A CH ARLOTTESV I LLE DI I ON V SI A RFLD y . T -Iqc,A O P' t ) /j . / p- 2 1 1 22 , . J ULK . DU . . / MI CHA EL J O SBORN E, . Pl ntf , ai i f Ci lAc i N o.3: 2CV 0 09 vi ton 1 00 M EM OR ANDUM OPI ON NI HARTFOO LI Ar ACCI FE DENT F SUR AN CE COM PAN Y , N By:Hon. e E.Co a Gln nr d ChifUnie St t Diti J e t d aes srct udge De e nt f nda . l t sa ton, oug purua t t Empl eReie ntI m eSe urt Ac of1 n hi c i br ht s nt o he oye tr me nco c iy t 974 (ERl ', 9U.. j 1 01 1 1 p anifMiha l . b mecamst a d fn a t rfr i SA' 2 SC, j 0 -46 , litf c e J Os o li h t e e d n Ha to d t ) Liea Ac ie tl s r n eCo n tla to d'wr n f l tr n tdhsln -em f nd cd n n u a c mpa y i lrf r ' o g ul emiae i o g tr d l y diabiiy be ft a hi wai rofpr m i c r geunde agr lf i tr nc polc is d s lt ne is nd s ve e um ove a r oup ie nsla e iy s ue by Ha to d.Theca ei pr s n l beor t c tont pa te 'c os - o i f rsl a y rf r s s e e ty f e he our he ri s r sm tons o tmm r j d me t Fo t ra o sstf rhb lw, ohmoin wil ed n e a dtec s wil e u g n . r he e s n e o t eo b t to s l b e id n h a e l b rm a e ndedt Ha tor f af l a f i r viw ofOs o rf d or u l nd ar e e bonw' c i d elgi lt f rbe ft . s ontnue i biiy o ne is Fact and ProceduralBackeround ual Os r pr vi l wor d a ahe vy eq p e ope aorf Enni El c rcCompa bo ne e ousy ke s a ui m nt r t or s e ti ny, l c (t n s'.Asa e o e , b r epat iae i El ssGr u Be eh Pln (t e n . ( i' En ) n mply e Os o n ri p td n mi' o p n f a th c t P1n' , c wa is da a nitr dbyHa tor ThePlnprvi s ttr dia lt a ' whih s sue nd dmi se e ) rf d. a o ded hor-em sbiiy, l t m dia lt a lf a a ci nt de t a dim e ong-er s biiy, nd ie nd c de al a h nd s mber ntb ne is Unde t tr s me e ft . r he e m oft l ng-e m diabiiy polcy, rf dhastf ldic e i a a hort t de e mi he o t r s lt i Ha tor çul s r ton nd ut iy o t r ne e i biiy f be isa t c t ue a i e pr ta 1t nnsa pr s ons .... lgi lt or neft nd o onsr nd nt r e l e nd ovi i ' ' ( Admi srtveRe or (t '992. nitai c dt ) ) AR' ê Os o wa ij r di a a tmo iea cd n i 2 0 .I 2 0 h u d r n a b me s n u e n n uo bl c ie t n 0 3 n 0 4, e n e we t n a e i rdice t nt ro s c omy a c r ca f i nd e vi l uson.Os r snec pr e sc i d a he t r n a bo ne' k obl m ontnue nd mde we t s co di c c omy a ce vialf son i 2006.Hel trunde we a a tona s ger t e nd s e t nd r c u i n ae r nt n ddii l ur y o c r tpr e sc us by t s c pr e e. orec obl m a ed he e ond oc dur Os e s e nty a id f ,a r c ve l t m dia lt be ksfom bom ubs que l pple or nd e ei d, ong-er s biiy net r Ocober28,2006t ough Ocobe 27,2008. On M a 1 2008, rf r r ue t d ad tonal t hr t r y , Ha to d eq se dii doc e a i fom Os r t e ua ewhe he hewoul c i t qua iy f be ft o um ntton r bo ne o val t t r d ontnue o lf or ne is n a a trOc ob r28,2008.Ha to de ane i alte t Os nd fe t e rf r xpli d n e tr o bonw t tt Pl n' defnii of ha he a s i ton ç s biiy'ortdia e 'c nge a trapa tcpa r c i be isf t nt f m o hs i a lt ' ç s bld' ha s fe di ri i nt e eves neft or we y-our nt . ( 8 8) Afe t ny f u mo t s ted tr n to o wh te acama t sd sblds fs AR 5 . tr we t-o r n h ,h eemiai n f eh r li n i ia e hit fom an e l to oft cli a tsa lt t pe f m t e s nta du i ofhi occ pai t r vauai n he am n ' biiy o ror he s e il tes s u ton, o a e au to o tecama tsa iiyt p ro u tee snild te o C yOc u ain' ( n v lain f h li n ' b l o ef n h se ta uis f l t An c p to . AR ' 993. ThePlndei tAnyOc upai ' ça oc upai frwhihyouaequalfe by ) a fnes ç c ton'as dn c ton o c r iid e ducai tani ore re e, t thasa e r ngspo e i lgr trt n a a ou e ton, r i ng xpe i nc and ha n a ni t nta eae ha n m nt qual t t l s e oft pr uc ofyourl xe Pr - s biiy Ea ni andt Be i Pe ce age o he e s r he od t nde d e dia lt r ngs he neft r nt a dteMa mu Mo t yBe ei s o i teS h d l o l u a c . (d) ThePln n h xi m nhl n ft h wn n h c e u e f ns rn e' L= ' a d fn sû s nil tis't icud t ea ii (tob a wo kfrt en mbe o ho r i eie d e ta Du le l'o n l e h b ly C l e t r o h u r f u s n Es t g yourrgulrys he edwokwe k. (d. e a l c dul r e ' l) ' Ha tor s eq ty c a t o ofOs r ste tngphysca ,nezol s Am y rf d ubs uen l ont ced ne bo ne' r a i i ins lr ogit H . ayl ,M . , nd r se t s c Tr or D.a eque td hat he ompl t a Ate ng Physcin' Stt me a ee n tndi i a s a e nt nd s i c esofhe m os r c nte m i ton no e . D r Tr yl c pl t d t Ate ng ubm t opi r t e e xa na i ts . a or om e e he tndi Phys c a s St t m e on Augus 11 2008,ls i O s ne' prm a y di gnos s a c r i a s ne i i n' a e nt t , itng bor s i r a i s e v c l pi dege rtvedicdie ea hi sco r dignossa cevialne kpan.( 464- ) Dr neai s s as nd s e nda y a i s r c c i AR 65. . 2 Tr yl not t tOs nealo s f r fom m i ai he dac s a n a or ed ha bor s ufe s r gr ne a he , nd umbnes a pan i hi s nd i n s uppe e r m ii s a ha . Dr Tr yl opi d t tO s ne c s ta s a f r o y ffee r xte te nd nds . a or ne ha bor an i nd t nd o nl i t n m i e atatme a f rat t pe i o t hotr perd t thec n o aso l lf orca r nut s i nd o oal rod f wo zs ay; ha a cc i naly i t ry no m o et n t n pot ;t thehaslm ie r a hi a ltes a t the i pe ma nty r ha e mds ha i t d e c ng biii ; nd ha s r ne l d sbld.( 4 5) ia e AR 6 . By l trdaed Se e r 11 20 Ha tor a s d Os net ti ha r e d a1 of ete t pt mbe , 08, rf d dvie bor ha t d eviwe 1 t me c a voc tonali or ton i hi c am fl t de e mi whe he hewoul be he dial nd a i nf ma i n s l i ie o t r ne t r d e i bl f be ksunde t Any Oc upa i de i ton ofdia lt Bas upo t tr viw, lgi e or nef r he c ton fnii s biiy. ed n ha e e Ha tor co l d t tOs nes ife t de i ton a t hewoul ç ntnuet quaiy rf d ncude ha bor atsid he fnii nd hat d ç i o lf co f rb n ft o a da trOco e 28 2 0 . ( 8 7) Hato dn td ho v r ta Os o n o e eis n n fe tb r , 0 8' AR 2 . rf r o e , we e ,h t b r e ' wo d ber ponsbl f rpr vi ng c i ue pr ofdia lt a t ti woul pe i cal ul es i e o o di ontn d oof s biiy, nd ha t d rodi ly c a thi f a tonali or ton, ont c m or ddii nf ma i l Aprlof2009,Ha tor a tmpt d t c a tOs nef rt pur e ofc n i rf d te e o ont c bor o he pos onduci a tng d lso e'ne ve ( 71 - 0) Afe sv r l te t t ra hh m weeu s c e su , s et n 'itr iw. AR 9 2 . tr e e a atmp s o e c i r n u c sf l mi H a tor r f r e t m a t rf i tga i n. The i s i ton i ude vi eo s v il nc an rf d e e r d he te or nvesi t o nve tga i ncl d d ur e la e, i hom ei er e t r e ptofa tona r c dsfom Os e' te tng p i i ,a nnt viw, he ec i ddii l e or r bom s r ai hyscans m e c lr c ds r vi w by a i pe ntne ol s ,a a e pl biiy a l i . di a e or e e n nde nde m ogi t nd n m oya lt na ys s On J 1 2009,Ha tor hie aprvae i si t r who c une , rf d r d i t nve tga o , onduc e vi o s v la e t d de ur eil nc ofOs nefom a pr xi t l 6: am . i 4: p. .onJ 11 2009a Jme 1 2009. bor r p o ma ey 00 . untl 00 m une , nd t 2, On J 11 2009,Os ewa notobs e byt prva ei tgaor Howe r on J 1 une , bom s enrd he i t nvesi t . ve , une 2, 2009,t i s i t r eo de O s e drvi t aprva e r s de e a pe f m i ya d wor he nve tga or e r d bom i ng o i t e i nc nd r or ng r k ove a a oxi a el t o- urperod. Os ne w a obs r e us ng a g - e e w e r n ppr m t y w ho i bor s evd i as pow r d ed ti m e ,lf i a w he l now outoft be ofhi t u k, nd s r m r i tng e ba he d s r c a hove i m ul h f o a taie lng c r m r lr i o t whe ba nt he el now. He wast s n e yi t mul i o fowe bedsa s ea ng t hen ee mpt ng he ch nt l r nd pr di he m ulh wih ar ke.Os c t a bonw wasalo obs r e lfi t t igaeofhi tuc a atal r s e v d itng he al t s r k nd r ie , r m o ng apowe wa he fom t be ofhi tuc be ng a t wa s,s ti kne i e vi r s r r he d s r k, ndi t he it qua tng, elng, a usng a s nd i hovela aha me .Os or a r d t peror aloft physc a tvii nd m r b ne ppea e o f m l he ial c i tes wihoutr t i ton orlm iaton. t es rc i i ti On J 1 20 Os r wase m i d by Dr Tr yl .Folowi t e m i ton, une 7, 09, bo ne xa ne . a or l ng he xa na i Dr Try o c mpee a t e Ate d n Ph sca ' S ae n frHa to d ( 4 2. Dr . a lr o ltd noh r tn i g y iin s ttme t o rfr . AR 9 ) . Trylrlse Os o ' s be tv s mpo a miri eh a c e , i tr l p e e te t a o itd b me s u j cie y tms s gan e da h s bl ea u p r x rmiy a pan,bia e a s de pan, k pan,l we bac pan,a uppe e r m iy pa ashe i The i lt r l houl r i nec i o r k i nd r xte t r t sa. physc le m i ton tndi i ude < 1e r miywe knes 'a b lt r lha n bnes . ia xa na i i ngs ncl d ( xte t a s' nd ia e a nd um a1 s (d) Dr Tryo o i dt a Os o n i c p beo stigfrls t no eh u a atme a d I . . a lr pne h t b r e s a a l f it o e s ha n o r t i , n n sa nga wal ng f l st n tfe n m i t sa atm e f ama mum ofonet t hour t ndi nd ki or es ha i te nu e t i , or xi o wo s pe da She as opi d t tOs neca onl oc asonaly lf upt t n pounds andt the r y. lo ne ha bor n y c i l it o e , ha ha lm ie r ac ng a ha i a ltes Dr Tr yl rc ntnue t opi t tOs ne i s i t d e hi nd ndlng biii . . a o o i d o ne ha bor s per a l di a e m nenty s bl d. On Se e r22, pt mbe 2009,aHa tor r pr e ai i e viwe Os ne a hi home. rf d e es nt tve ntr e d bor t s Durngt i t r i w, bor wass wn t s v la evi o fom J 1 20 whih i he n e v e Os ne ho he ur eilnc de r une 2, 09, c r c de hi pe f m i ya d wor Os ne a vie t r pr e ai t thepe f m e t e or d m ror ng r k. bor d s d he e es nt tve ha ror d he wor t hep afi nd pr pa e f ragr dua in pa t a t thee re ed ahi lve ofpa n k o l re e r o a to ry, nd ha xpe i nc gh e l i t f l ngda a ar ul ofo r xe tnghi ef he olowi y s es t ve e ri ms l. H a tor s m e c lc s m a ge s eq nty c a t Os rf d' di a a e na r ubs ue l ont c ed bonw ' t ea i phys c a s r tng i i ns and pr vi d t s v la e r uls f t rr vi w . l he r pons ,Dr Tr yl i c t d t t o de he ur eil nc es t or hei e e n r es e . a or ndi a e ha s r m a ned c nce t tO s he e i onvi d ha bonw i una e t pe f nu t l ve o phys c lac i t r qui e s bl o r o he e l f i a tviy e r d 4 f ganf e oyme .None hees ,Dr Tr orr c or i ul mpl nt t l s . ayl e omm e d t tOs net r a nde ha bor mde go ç t tonalc pa iy e l to f f malt tng, snc iheis ofhi c pact t wor has s mc i f a ct va ua in or or esi ' i e l s ue ' t s a iy o k be nr s d. ( 392. e aie ' AR ' ) Rahert n r e rng Os nef a f tona ca ciy e uai Harf d s nt t ha efr i bor or unc i l pa t val ton, tor e Os ne' medialr co dst DouglsT. own, . , nelol s,f t pe f ma ofa bor s c e r o a Br M D.a t ogit or he ror nce r t e r e iw. ( 3 -2. l h srp r, . o sz rz dteme ia r c r si ç e r ve ' AR 08 1 ) n i e o tDrBr wn l p ' mmaie h d c l e o d n Os ne' ca e fl i l ngM Rle m i tonspe f m e t e yea se rira an bor s s ie, ncudi xn na i ror d hr e r a le nd e e tom yog a a ne v c l cr r phy nd r e onduci n sudy pe f medi Aprlof2009. TheM Rlof to t ror n i Os ne' l bor s umba s nes r pi howedm id deg ne ai c ng ,a t M RIofOs r sce vi l l e r tve ha es nd he bo ne' r ca s newa ne tvee e f aprorslgi lf son a C5 6.Theelc r pi s ga i xc pt or i tr ca ' i t u e tomyogr phy a ne ve a nd r co nduc i sudy wast m a ... xc ptf midl pr onge me a s ns y lt nces ton t t nor l e e or l y ol d di n e or a e i compai ewihe ryo midbiaea cr lbl ls r .'( 478. Dr Br as tbl t al r l ltrl apa nne yndome' AR ) . own lo s ma i e Dr Ta o ' te t e not a t s v il nc vi r c dedon Jme 12, 09. um rz d . ylr s r am nt es nd he ur e la e deo e or t 20 Acc di t hi r po t Dr Br wast ke wih d t nni ng Os ne' % r e t or ng o s e r, . own as d t e e ni bor s û r n cu ma i le e o f n to 'a dd nyr srci n /i tto ss p o tdb t if r to ' ( x ma lv l f u ci n' n s e tito sl ain u p re y he n o main. AR a mi ' 31 . I r s o e Dr Br wn c ncu e t tOs o n h si os bsa tae fncin l 1) n e p ns , . o o ld d ha b r e a l u tnit d u t a n o i ime ot rt nhi midc r lt ls o .'(d. Ba e ont ti ime t Dr mpar nt he ha s l apa unne yndrme' 1 ) s d ha mpar n, . Br own o nedt tOs nets d notber quie t pe f co i pi ha bor çhoul e r d o ronn ntnuous t ha ng, , mc ngi r pettveus oft ha f l rt n 15m i esunl salowe a 5m i eb e k fom s h e ii e he nds 0r onge ha nut es l d nut r a ' r uc u eo teha d atre ey 1 miu epeido ta a t t ' (d) Tot ee tn Os o n s f h n s fe v r 5 n t ro f h t ci y. L= vi ' h xe t b r e c pl i d ofc oni pa n a ntm bnes i hi ne k,s ul r ,a a m s D r Br om a ne hr c i nd l s n s c ho de s nd r , . own c ude t tt ec ant weeC uppo tdonl byt cai ntss jctvec ant,' oncl d ha hes ompli s r t re y he l ma ' ube i ompli s' s a t t i vai t wast o htit quetoni lghtoft vi orc di ' (d. Dr nd hather ldiy f ug no si n i br he de e or ng.' 1 ) . Br own e mpha ie t tt s vela evi o s sz d ha he ur il nc de howe Os nebei t t physc ly a tve f r d bor ng ç e qui ia l c i o as t ne pe i oftmepef mi me tm ma llbor.... (d. usai d rod i ror ng dil nua a ' 1) ' Folowi t c plton ofDr Br l ng he om e i . own' r por i De mbe 15 2009,Ha tor s e t n ce r , rf d r que t d t pe f ma ofa e oya lt a yss Bas d on Os ne sed a i a e se he ror nce n mpl biiy nal i . e bor ' uc ton nd wo kh so y a t erp r p e ae b Dr Br wn t ea ay tma et ef lo n a j sme t r it r , nd h e o t r p rd y . o ,h n ls d h o lwig du t ns t Os ne' < biiy pr ie' o bor s t lt ofl ' a : @ Ste h r mai d a M ed u Le r ngt e ne t i m vel * Clmbnga dca igweea j tdt fe u n l i i n rwl n r duse o rq e t y * Fig rnga dfeigweea j tdt c n tnl n ei n e l n r duse o o sa t y @ Noielvelr m ane atl ud s e e i d o * W o k St ai n o Pef r n av reyo d te wa a j tdt G e 'a r iu to s f ro mig a it f uis s duse o ç s' s y M r Os newoul ha demonsr t d t ss l i hi wo k hit y . bor d ve tae hi kil n s r sor * Daaa j sme t o Co uiga dc p igweea j se t d e 'a Mr t du t n s f mp tn n o yn r du td o t s' s . y Os newoul ha de bor d ve monsr t d t s s lsi hi wor hit y a f e ta e he e kil n s k sor s or man a hea e pm e tope a o a a e l s rs lst n t l ve he ha nd vy qui n r t r nd r es e kil ha he e l s de o tat d i t s i t y m nsr e n hi ndus r * Pe pea j sme t o S r i weeaj tdt d o' sM r Os o wo l o l du t n s f e vng r duse o t 'a . b me ud n notha de o ta e t ss l i hi wo k hit y ve m nsr t d hi kil n s r sor * Thig a j sme t o Op rtn - c nr lig tn iga ha digwee n s du t n s f eai g o toln ,e dn nd n l n r a j tdt i e 'a Mr Os o n wo l h v d mo srtdt e es lsi hi duse o d s' s . b r e ud a e e n tae h s ki n s y l w o k hi t y r s or * Al ot rPhysca De l he i l mands Envio e t lCo tons Aptt ,W o k , r nm n a ndii , iudes r Siuai a W o k Funci nsr m ane a Pr - s biiy lvel t tons nd r to e i d t e dia lt e s ( 375. Appl ngt spr ie,t a ys i ntfe anumb rofoc upai t tc dbe AR ) yi hi ofl he nal t de iid e c tons ha oul pe f ronned by Os e, ndwhi woul mee t r quiieea ni potnta ;a r de rc bona a ch d t he e st r ngs e il tpe , rik ope a o , onor i c a ope a o , owe -oa rope a or ta t r c a ope aor utlt wor r rtr m a l r ne r t r t rl de r t , r c o - r ne r t , iiy ke , a dwhe la dc so rparr ( a n e n a tr e ie . J . #) By lte da e J numy 1 201 Ha to d a s d Os net i wast r nai hi e tr t d a 2, 0, rf r dvie bor hat t e mi tng s l t r di a lt bene is a tor i c t t ti ha ç nc ude f om t c bi ton of ong-e m s biiy ft .H rf d ndi a ed ha t d t l d r he om na i co a1t i o mai i g bor s fl t t( i)a et pefr wor ona40hol awee 1 he nfr ton n os ne'l ie ha he s bl o ro m k tr k ba i , ih t r t i tons a lm ia i t t uppe e r m ii a ou lne by Dr Br n. s s w t he esr c i nd i t tons o he r xte tes s t i d . ow ' ' 6 ( 9 2. Gie t rs lso t e ly b ly a ay i, rfr d tr n dt tOs o n i AR 2 ) v n he e ut f he mpo a ii n lss Ha to d eemie ha b r e s t lnotpr ven e fom pe f mi t e s nta du i ofAny Oc upai ' ç e td r ror ng he s e il tes c ton'and, hus t thet t , ha ç no ln e me ts t poiy d fnto o ds blt. (d) I c nu cinwi t i d cso , o g r egl he l eiiin f ia ii ' I . n o j n to t hs e iin c y' h Ha to d a s tnni t d t wai rofp e u be ft unde Os r ' lf i ur ncepolc l rf r lo e na e he ve r mi m ne is r bo ne s ie ns a i y. ( 261266,1 ) AR 009. Os nes eq n l a bor ubs ue ty ppeaedHa to d' de ii i a c da ewiht Pln' l rf r s c son n c or nc t he a s a laepr e e. On a ppe lt oc dur ppea,Os l bonw s cii ly a gue t the i ( a et wor a pe fcal r d ha s l bl o not k c n itn 8h u d y'a dta Ha to di r p ryr l do t s l ia c v d o ( 1 2 o sse t o r a ' n h t rf r mp o el ei n he uvel n e i e . AR 0 7 e l 28. Tos ) uppor hi a gume s Os nes te af nci lc pa t e l tonrpor t s r nt, bor ubmitd u tona a ciy vauai e t pr pa e by V.Robe t a 11 RI. ,a a a tona sa e ntfo Dr Tr yl . e rd r M y, 1, AD. nd n ddii l t t me r m . a or Dr M a pe f . y ronuedt f tona ca ct e l to on J nua y 7 201 The he unc i l pa iy vauai n a r , 0. e l ton l se eihta ahal hour , nd i l d a i e vew,esi a aphysca vaua i a t d g nd f s a ncude n nt r i t tng, nd i l exa i ton. Os necomplt d a loft as i d t s a tvii ,a Dr M a s c fc ly m na i bor e e l he sgne e t ci tes nd . y pe ii a l no e t tt ewa ( doubt' ha Os nelga hi be te f t o c t d ha her s t no 't t bor d ve s s for t ompl wih t t tng y t he esi c mp n n s' ( 4 ) Du igtetsig Os o n C e n tae sg i a ti tbit i h s o o e t. AR 4. rn h etn , b r e l mo srtd in ûc n nsa l y n i ' d i c nr a srnghsu yfrfe ina e tn inmoi n '( 41, n h e hiie e i l te t t d o lx o nd xe so to s'AR ) a d e x btd c ç c a c l n srngh d fct i rn eo moina dd n mi a tvte . ( 4 ) Bae o ç h nia a d te t eiis n a g f to n y a c ciiis' AR 2 . s d n me ' t e m i ton, . a des rbe Os ne' o r l c to a %sm pl a G e s wih a he xa na i Dr M y c i d bor s ve al ondii n s çi y m s ' t g ad da dp o p o no i frrt r n t tec mp t ielb rmak t' ( 4 . He u r e n o r r g ss o eunig o h o ei v a o r e. AR 3) t ' de e mi t tOs netc nnotf nc i i pe nty i t c t r ned ha bor ta u ton nde nde l n he ompettvel m a ke wihout ii abor r t t a co dai a wor iemodi to ' ( 42) Specfc ly, . a opi dt t c mmo ton nd kst fcain. AR ' iial Dr M y ne ha O s ne w oul r ui e t f l i lm ia i ns: bor d eq r he olow ng i t t o lU nde t Pl , Os ne' lf i ur r he an bor s ie ns ance pr um dw ilno l emi ' l ongerbewai 'i,f a r son,hei ved' f or ny ea s d o ln rDia e ' ( 1 0 ) s o ge s bld. AR 0 9. n ' 1 . Ph sc lDe n Ch r ceitc( DC) Lih W o k@ 2 p u d fr y ia ma d aa trsi P : g t r 0 onso oc sona Lit nd i r src e wor pl ne a 1 poundsfe ue lf ca i l f a n e tit d k a , nd 0 r q nt it w ihi r s rc e pl ne Se nt r w or a 1 poundsm a m lm lf w ihi t n e ti t d a ; de a y k t 0 xi l i t t n unr ti t wor pl . esrced k ane Clmbi Avoi clm bi ldde sat t ra a d c i ngsais i ng: d i ng a r logehe nd voi lmbi t r r peaedl e t y. Kne lng a Cr hi Avoi eihe i pos i e, i t e s nta e i nd ouc ng: d t r f sbl but f he s e il fl ton c lsf t sposur , he pe f i s r dia l a no o a l i a l or hi t e t n ronn t po a c ly, nd t n nc fe nts he e. r que c dul Sitng a Stndng:Avoi pr ong posurng a al w f pe i c ti nd a i d ol ed t i nd lo or rodi a j t n swhl wo kn dusme t i r ig. e W al ng: ki Avoi une n t ran,a onl wa k i a ea t tar a e of d ve e r i nd y l n r s ha e bs nt a ba re sorhaz r on t gr ny ri r a ds he ound. 6. Baa ea Heiht Avoi wo ki a he g sa usng balncet lnc nd g : d r ng t i ht nd i a o p ro m t e sn il u cinso tej b. ef r he se ta f n to f h o ( 43. AR ) Dr Tr yl rpr pa e a wrte sa e nton J y 26, 0,i whih s e e sy . a o e rd itn tt me ul 201 n c he xpr s l ad es e t s ve la e f t ge ofO s ne pe f m i ya d wor D r Tr yl rno e t ts dr s d he ur il nc oo a bor r or ng r k. . a o t d ha he h dt nsse tysrse t ( b r e ta h i ds be a dt t en e st n t e fr a y a ko itnl te s d o Os o n j h t e s ia ld n ha h e d o o p rom n physc le r s ordo a wor 'a t ts wasc nce 'ha hedi t soutofhi ia xe cie ny k,' nd ha he onvi d t t t d hi s fei ofbenghel es a no bengs e lngs i pl s nd t i uppori ofhi fmiya hi nei s' ( 1 ) tve s a l nd s ghbor. AR 41. ' Dr Tr yl alono e t ts wasc i n t tOs eçs f r d physcal f a e e d . a or s t d ha he onfde t ha bom sufe e i ly or n xtnde p ro o tme' n wa i ç o i rbl p i'a trp ro mi t y r wok.(d. Dr Try o eid f i 'a d s n t nsdea e an' fe ef r ng he ad r l ) . a l r c c l ed by e oncud mpha i i t ts r mai co nc d t tOs nei t t ly dia ed.Dr szng ha he e ns nvi e ha bor s o a l s bl . Tr yl not d t tO s ne i no a e t w or on a c it ntba i , nd t the S a be a e t a or e ha bor s t bl o k ons s e s s a ha E y m bl o wor oneort da butt nhemi bel du f svealda a trt t' (i) k wo ys he ght ai p or e r ys fe ha. L ' Afe r c vi t a tonale de e s it wih Os ne' lte ofa tr e ei ng he ddii vi nc ubm ted t bor s e tr ppea , l Ha to dç eemie ta f rh r e e b (n a p o raeme ial tan dp o e so l s rf r s tr n d h t u te rviw y a ) p rp it dc ly ri e r fs ina wa d war nt 'oa es dsuesrltngt M r Os ne' c to andf tona saus' ( ra ed't ddr s d s eai o . bor s ondiin i unci l tt . AR ' 9 . Rah rt a ar n igf ra id p nd n e a n to , rfr ee tdt fr r 01) te h n ra gn o n n e e e t x miain Ha to d lce o o wa d Os ne' fl t t Uni r iy Dia lt Cons tum f a he pape r vi w. Tha r viw bor s ie o he ve st s biiy ori or not r re e te e waspef r dbyBe ti Engsrnd,M . onOcobe 28,201 ( 3- 2. rome arce ta D. t r 0. AR 1 ) Dr Engsr nd deer nedt tOs nei ca bl ofwor ng t ul-i e c it ty, . ta t mi ha bor s pa e ki s ltm , onssen l f wih r ti tonsno mor t n m e um lve wo k, a t thec n wor ç f lwor ay,fve t esrci e ha di e l r ' nd ha ' a k $ ul a kd i d y awe k. ( 1 . W h l ter p r s mmaiysae ta h ro iinwa ç a e u o al a s e ' AR 1) ie h e o t u rl tts h t e pno s ç s d p n l ' b teifr to prvie ' l ., . g ta df c e amo te cusveyo tes r el nc h n o main o d d'(d) Dr En srn o usd l s x l i l n h u v il e a vi o t s de o uppor herc l i t tOs ei ca bl ofpe f r i af l r ngeofmedi t onc uson ha bom s pa e r o m ng u l a um w or on a f l-i e bas s k u ltm i: FI NAL ASSESSM ENT:M r M ihae Os neca wor f l-i e c it ty, . c l bor n k u ltm , onssen l wih r ti tonsno mor t n medi lvelwor Hec n wor af lwor y, t esrci e ha um e k. a k ul kda fvedaysawe Thea l i i bas upon a lt i o m a i pr vi d, i ek. nayss s ed l he nf r ton o de o j ciea ds j cied t .I myo no ,h cama tc npef r me il be tv n ube tv aa n piin te li n a ro m dl m lv l ciiy Th r i o j ci d t t pa ersrcin o hm a v t e e e a tvt . ee s b e t aa o lc etito s n i bo e h ve me um lve a tviy;howe r tki it a ountt t alt oft i onua i di e l c i t ve , a ng n o cc he ot iy he nf ton a ia e e pe i ly t vi d l e a i i i m y o ni t c ai a i va l bl , s c a l he deo oc l nt ton, t s m pi on he l m nt s pr c ud f o wor ng be nd t m edi l vel buthe i ca bl ofdoi e l ed r m ki yo he um e , s pa e ng me um lvelwo k wiho r src i .Hi vi o s vela e s di e r t ut e titons s de ur ilnc howshi m movi fne no lmpi no l sofbaa e no gua di ofhi ne k,good r nge ng i , i ng, os lnc , r ng s c a ofm o i good a m sr ngt He l ton, r te h. ooksc ea i t vi o.Hehasongoi pa n r t n he de ng i compl i s howe r he i a et do wo k a o t lwn.1do nots eany ant ' , ve . s bl o r r und he a e e de ofde r s d c e r to o a tnton a ar s tofhi r pore pan vi nce c ea e onc ntai n r te i s e ul s e td i co ait.Hei a et tl t t i eviwe fne,f l o a tvii ,#q mpl ns s bl o ak o he ntr e r i olow ut ci tes . . w e di doi a tvii a ound t yar The e i no e d e t s e nc. nc c i tes r he d. r s vi enc o ugges t the t ha s f r fom media i sdee f t t twoul i i hi a lt t f ton i a ufe s r c ton i fec s ha d mpar s biiy o unci n w or s i H e i abl t do w or ar k ettng. s eo k ound t var w r n: up hoses.lf i a he d. appi itng whe l r ow , e ba r bendi s oopi .ba a i .a w a ki w ih per e ta s i ng. t ng l nc ng nd l nq t f c nn w ng. nor alr m ange ofm oton s i hi neck m ovem ent l m y opi on,he m ai ai i een n s s. n ni nt ns t f t o lc pa lt t c i t nty pe f m w or r l t d ac i teson a he unc i na a biiy o ons se l r or k e a e tvii s t i ba i a a m e um l ve e gh hour a da f 40 ho sa w ee w ihout us a ned s s t di e l i t s y or ur k t r ti i esr ctons. 9 ( 1 )(mp a i a d d . AR 2 e h ss d e ) On No mbe 2, 0, rf r s ntOs ne alte de nghi a a .Thelte ve r 201 Ha to d e bor e tr nyi s ppe l e tr no e ,i s m ar f s on,t tO s t s n um y a hi ha bonw i l ed a f to c pac t e l to w ih hi nc ud unc i nal a iy va ua i n t s a pe lr que t W iho di c sng t r s t oft f to lc pa iy e ua i n ort p a e s . t ut s us i he e uls he unc i na a c t val to he a tona s ison fom Dr Tr yl r Ha tor r id upon Dr Engsr nd' r por t co l ddii l ubm s i r . a o , rf d ele . ta s e t o ncude t tOs neç sphysc l ca bl ofpe f m i me um physc lde a l ve wor on a ha bor ç i ialy pa e ror ng di i a - m nd-e l k f l tmebai wih u rsrcin. ( 9 2)Snc Dr En ta d sa s s me t fOs r e s ul i ss t o t e tit ' AR 0 . i e . gsr n ' se s n o bon ' o ' f tonalc pa iy woul no pr cude hi fom pe f mi t oc upai nspr vi l unc i a ct d t el m r ror ng he c to e ousy i ntfe i t e pl biiy a l i ,Ha tor u d isde s on t t r i t O s r s de ii d n he m oya lt na yss r f d phel t ci i o e m na e bo ne' dia lt be ft. s biiy ne is Ha nge use hi a i sr tver medis Os nefl t i t n aci n on vi xha t d s dm nita i e e , bor ied he nsa t to Fe r ay2 20 2.Th p riss b e u nl ûldc o smoinsf rs mmayj g n . b u r 4, 1 e a t u s q e ty e r s- to o u r ud me t e Os o eag e ta sl r j d me ts o l b g a tdbe a eted n a o b n t wa a b m ru sh t l mma y u g n h ud e rne c us h e il f e eks s n a e ofdi c e i by H a tor I t a t r tve O s ne a g t t c e s d be bus s r ton r f d. n he le na i , bor r ues hat he as houl r m a d t Ha tor f af la f i r vi w. I r pons ,Harf d c endst tis e nde o rf d or ul nd ar e e n es e tor ont ha t t r nai ofbeneiss d beuphel b t sc ta t tOs ne' moton f sl ma y e mi ton ft houl d y hi our nd ha bor s i or lm r j dg n s o l b d ne Thec u t edah ai o tepate ' to o J l 2 , 01 . u me t h ud e e id. o r h l e rng n h ris moins n uy 6 2 2 The m oto ha be n f l bre e a a e rpe f rr vi w . i ns ve e uly i f d nd r i o e e St andard ofR e ew vi The pa tesag e t tt Pl n g an s Ha tor df ldi c e i a a t iy t de enni ri r e ha he a r t r f d tul s r ton nd u hort o t ne ei biiyf be t a t c t ea i eprtaltr a pr so '( 992)a t , lgi lt or neks nd o onsnz nd ntr e 1 ems nd oviins' AR nd,hus t tHa tor s de i i i r vi w e f a e ofdi c e i Se D upe r v. f I .Co. N . ha r f d' c son s e e d or bus s r ton. e r v Li e ns of Am.63 F. 8 8 ( hCi.201 ) Und t ssa r a a nitaorsdecsonwil , 2 3d 60, 69 4t r 1 . er hi tndad, n dmi srt ' ii l notbedit bedunl sii unr s bl J Toberas bl t de ii mus beçher ul sur es t s eaona e. A e ona e,he cson t t es t t ofade i r t prnci edr a oni pr e s'a beSs pore by s t nta e de e, lbe a e i pl e s ng oc s ' nd dup td ubsa i l vi nc ' ' Br a v. l nd 1 5F.d 1 8 1 (t Ci.1 9 )(n en l u tto mak o te ) og n Hol , 0 3 5 , 61 4h r 9 7 itr a q o ain r s mitd . a Subsa i e de ei C vi ncewhih ar s ngm i woul ac e a s t i tt s tntal vi nc s ç de e c ea oni nd d c pt s ufk en o uppor a t patc a concuso ' Le br v. esi ho eElc.Com .747F. 1 208( h Ci.1 ) riulr l in. Fe e W tnc us e ' , 2d 97, 4t r 984 ( en l u tto makso te ) i r a q oain r mi d . nt t I 80 t v. a- a t tr s I c Aso s He l & W efr Pln 2 F.d3 5(t Ci. n 0h W lM r S oe .n . s c . at h lae a , 01 3 3 4h r 2000) t Unie Stt Cot'o Appe l f t FourhCic tstf t eghtnone l i ,he td aes ut f as or he t rui e orh i xcusve f t st be c i r d by co t i r e ng apl n a nitaorsde ii f r acor o onsde e urs n eviwi a dmi sr t ' c son o r s na e s' ea o bl nes . ( )telng a eo tepln;2 tep r o e a dg aso t ep a ()te 1 h a u g f h a ( ) h u p s s n o l f h ln;3 h a qua y oft ma e i sc i r d t m a t decsc a t de e t de c he t ral onsde e o ke he iim nd he gr e o whc t e s p o tt ( )wh t e tefd caysitr eainwa c n itn ih h y u p r i; 4 eh r h i u ir ' n eprtto s o sse t wi o h rp o iin i teplna dwi e riritr rtto o tepln; 5 t t e r v so s n h a n t al nep eains f h a ( ) h h e wh t r h de iin kn p o e swa ra o e a dp icpe ; 6 wh t e te ehe t e cso ma ig r c s s e s n d n rn ild ( ) eh r h decson wa c it ntwiht pr e la a s tntver uie t of ii s onsse t he oc dtr l nd ubsa i eq r men s ERI A; 7 a ye tnml tn adrlva tot ee ecs o ds rto ; n ( ) S ( ) n xe s d r ee n t h x rie f icei n a d 8 t tduc a y' motve a a c lc ofi er s i ma ha he i i r s i s nd ny onfi t nt e t t y ve. 1 a 343- 43. Thes f c or c i t g det c tsabus ofdic ei n r viw unde d. t 3 e a t s ontnue o ui he our' e- - s r to e e r ER I . See Dupe r 63 F. a 869. SA r v, 2 3d t Di scussi on Appl ng t f c or s tf t i 800 h,t c t r e wih Os net tHa to d yi he a t s e orh n t he our ag e s t bor ha rf r a e isdi c ei n i tr na i Os ne' l t r di a lt a wave ofpr m i bus d t s r to n e mi tng bor s ong-e m s biiy nd i r e um be ft. I r a hi t sde son,t c tf us prm a iyon t lngua oft Pl n,t ne s n e c ng hi cii he our oc es i rl he a ge he a he s fci ncy oft e de e u w hi h H a tor bas d is c l i t O s ne no l r uf i e he vi nc pon c rf d e t onc uson hat bor onge q lfe f di a lt bene is a t r s bl nes ofHa tor sdec s on- a ng pr e s ua i i s or s biiy ft , nd he ea ona e s r f d' i i m ki oc s . Theco tbegnswih t l uageoft Pln.l or rt be c i r d Edia e ' ur i t he ang he a n de o onsde e i s bld' unde t Pl n,O s ne w asr qui e t de ons r t t the i E e nt d f om pe f m i one r he a bor e r d o m t a e ha s t ve e r pr r or ng ormor oft Es e ta Dute o AnyOc upai ' ( 993. e he s nil is f c ton. AR ' )ThePlndefne t a i st Any Occ ton' a Ea oc upai n f whih you a e q lfe by ed a i ta ni ore re e, upa i ' s tn c to or c r ua ii d uc ton, r i ng xpe i nc a t thasa ea ni potnta g eae t n a a o e ua t t l s roft pr to nd ha n r ngs e il r t r ha n m unt q l o he es e he oduc f yourl xe Pr - s biiy Ea ni sa t Bene i Pe c t e a t M a mum M ont y nde d e dia lt r ng nd he ft r en ag nd he xi hl Be ei s o i teS h d eo l s rn e' (d) Th Pln d fn sS s nil tis't n ft h wn n h c e ul f n u a c . I . e a e e t e ta Du lel'o ' Es icu etea ii Stob a wo kf r h nl e o h u si y u r g lrys h d ld n l d h blt û l e t r o t e ' r f o r n o r e ua l c e ue yl mb wor ek.... (d. Thus Os nesc s t ne ont quesi ofwhehe hewasa et kwe ' l) ' , bor ' a e ur d he ton t r bl o pe f m t es e i ldute ofAny Oc upa i a de i d byt Pl n,on af ltm eba i. See ror he s nta is c ton, s fne he a ul-i ss Alx n e v. rf r Lie& Ac ie tI s Co, 4 F, p' 1 3 1 ( t Ci. 0 9 ( b e a d r Ha to d f cd n n . .3 7 Ap x 2 , 25 5h r 2 0 ) : e To a wor f t nl be ofhotr i yo r ulry s hed e wor e i alo a Es e talDut t k or he l r m ts n ur eg a l c ul d kwe k s s n s n i y. Thus whet rAlxa rwa dia e de ndson whehe s wa c pa eoff fli t , he e nde s s bld pe t r he s a bl ulilng he e s nil u iso (h p riulr tp o j b . . naf l-i ba i. s e ta d te f t e a t a) y e f o . o ultme ss' c ). Ass tf rh a e o t bove Ha tor sde ii t tOs neno l e s tsi d t Any , rf d' c son ha bor ong r a ife he Occ ton sa r ofdia lt r s t fom isdee m i ton t tOs neç sphyscal upa i t nda d s biiy e uled r t tr na i ha bor t i i ly c pa e ofpe f r i m edi phys c l de a l ve w or o a f ltm eba i w ihou a bl r o m ng um i a - m nd- e l k n ul-i ss t t r srcin. ( 9 2) Th sd tr nainwa bae o rp rsfo t no e n nig etito ' AR 0 . i eemi to s s d n e o t r m wo n-x mi n ' phys c a ,D r Br w n and D r Engsr nd. H o e r neihe r por pr vi r i bl ,pe s s ve i i ns . o . ta w ve , t r e t o des ela e r ua i e denc t tOs ne c n pe f m m e um wor wihou r src i on a f l-i bass vi e ha bor a ror di k, t t e titon, u ltme i . A tt out e , he c t t s t t c t a y t H a tor s fna de i i D r Br he s t t our no e ha , on r r o rf d' i l c s on, . own di d no s c f c ly o ne t tOs ne f s c pa e ofs t ni m ed um phys c - m a l ve t pe ii a l pi ha bor û a bl i usai ng i i alde nd-e l nf r r own s e , he wok o af l-i b ss' ( 9 2, W hiet sm ay bei ered fom Dr Br , r port2t r n ultme a i. AR 0 ) l hi ' . onl tm et tç y i ha d um' wor wa a t ly m e i d by Dr Br wn wa whe he de c i d t medi ' k s cual ntone . o s n s rbe he degr eofaci t r cor d i t s v il evi e tviy e de n he ur e lanc deo.Be us t vi o de c e Os r ca e he de pit d bo ne ç r or i m e um d y m a ll bor' D r Br û f m ng di pe ut nua a , . own ques i ne t valdiy ofO s ne' ' to d he i t bor s s be tv c mp an so p i.( 3 1) u j cie o lit f an AR 1 . UnlkeDr Br i . own,Dr Engsr nd d d s cfcal o net tOs net n wor f ltm e . ta i pe ii ly pi ha bor t ca k ul-i , consse l wih rsrci nomor t nme um lve wor ' ( 11) Howe r Dr itnty, t etitons e ha di e l k. AR . ' ve, . Engsr nd' opi on w a ba e a m os exc us ve y o t de e off tonalt di pl ye i t ta s ni s s d l t l i l n he gr e unc i iy s a d n he s ve la evi ur ilnc deo. I e Dr Engsr ndnot d i he r por t the opi o wasbas d nde d, . ta e n r e t ha r ni n e t s cal (n t evd od c me tt n. ( 1 . W hl t ec u t c n wld e ta te ç pe il o ) h ie o u n ai ' AR 2) i h o r a k o e g s h t h e y o ' e t hours gme ofs v la ef a r ve ss woe nt ur eilnc oot ge e al ome dic e ncisbewe n Os ne' s r pa e t e bor s cli e a obs r ed f nc i iy,tdoe no pr vi s tntale de et tOs ne i am d nd e v u tonalt i s t o de ubsa i vi nc ha bor s c pa e ofpe f mi m e um -e lwor on af ltme ba i . Se St v. a bl ror ng di lve k ul-i ss e up UNUM Lie l . f ns Co. ofAm.390F. 3 , ( hCi.2004 ( di t tt r s t ofaf tona ca ciy , 3d 01 309 4t r ) hol ng ha he e uls unci l pa t a s s m e we eno s fce t esa iht tt pli ifc dpe f m s ntr wor on a s e s nt r t uf iint o tbls ha he antf oul ror ede a y k f l-i b ss sn et a s sme ttatdo yt a dah l h u s' ndt r vd l)n ultme a i, i c he se s n i se nl wo n af o r'a t o ie d o l p e i e c a t h ra l isf raln e peid'; li Ha t r ls Co,No 11 -v 0 5 , v d n e s o e bite o o g r ro ' Lalv. rf d n . . . :0 c - 01 2 i l o 201 U. DitLEXI 2331 a #25( UthFe 23, 2)( di t ts vela f t 2 S. s. S 2, t D. a b. 201 hol ng ha ur ilnce ooage o teplitf p a igg l d dn t u tf ted na o d sb l yb n t , nde h szn ta f h an if lyn of i o j siy h e il f ia ii e eks a mp a iig h t t to ra -- afh u so g l . . o sno e u t t af l, ih- o rwo k d y); n i v. t u -nda h l o r f of . d e t q ae o u leg th u r - a ' Ha usk f Ha tor LieI .Co.No. 11 2008U. DitLEXI 7520,a *11 1 ( D.M ih. a rf d f ns , 06- 258, S. s. S t - 2 E. c J n. 2As s tf h a e ort bove, t onl r titonsi ii by Dr.Br wer t e r uli fom Os ne' he y esrc i dentfed own e hos es tng r bor s ca palt r unnels om e,namel t tOs ne ûs d notber r t peror contnuous,unchangi yndr y ha bor shoul equied o f m i ng, r pe ii us oft handsf l rt n 15 m i esunl salow e a 5m i ebr f om s us of e ttve e he or onge ha nut es l d nut eak r uch e teha atre r 1 miu epe i o t ta tviy. ( 311) h nds fe vey 5 n t rod f ha ci t ' AR . ' 13 31 2008 ( i t tt pli ifsfmci lca ct c dnotbeesa ihedont bassof , ) notng ha he antf' t tona pa iy oul tbls he i s v il ef a ,whihçf led)t s Pli ifet rpef mi a sngl or ur elanc ootge c çail o how antf ihe ror ng ny i e co bi ton ofaci tesf a ei ...hourpe i orsr nuo l e ri he s l ove t m na i tvii or n ght rod, te usy xe tng r ef r he coureoft c ec i da ' s wo ons utve ys). M or ove , t Dr Engsr nd a Ha tor f ie t a es t e de e Os ne e r boh . ta nd rf d al d o ddr s he vi nc bor s it on a alwhih s cfc lyr f t d t no e mi ngphysca 'a s s m e t of ubm ted ppe , c pe ii a l e u e he n- xa ni i ins s e s n s Os ne' f nc i lca ciy. Ass tf t a bor s u tona pa t e orh bove,Dr Tr yl rpr r d am i t sae e t . a o epa e ten t tm nt hat expr s l a e s t s v ilncevi o.Dr Tr yl not t ts wa c nce t t e sy ddr s ed he ur e la de . a or ed ha he s onvi d ha Os nepe f m e t ya d wor i ofhi f lngsofbeng hepls a no beng s bor ror d he r kd out s eei i l e s nd t i uppori tve ofhi f miy a hi ne g r ,' ndt ts wasco i n t tOs nefs f e physc ly s a l nd s i hbo s'a ha he nfde t ha bor tufer d ia l fra e ende pei oftme' fe pef ngt wor ( 1 ) Dr Tryl f t ropi d o n xt d rod i 'a tr rbnni he k. AR 41. . a or urhe ne t tOs r ç ha bo ne t bea et wor o ort daysbutt nhemi htbel d up f s ve a da may bl o k ne wo he g ai or e r l ys a trt t' (d. fe ha. I ) ' O s r a s s it d t f t o c pa t e l ton r por pr pa e by Dr M a bo ne l o ubm te he unc i nal a ciy va ua i e t e r d . y, he e uls he va ua i whih i t onl r por ofiski i t r co d. B as d on t r s t oft e l ton, whih c s he y e t t nd n he e r 3 e c l s e e g a a ha fhour ,D r M a opi d t tO s ne hasa ç rpr nos sf r t r ng t a t d i ht nd l s . y ne ha bor û poo og i or e u ni o t c he ompeii lbormar t' ndt thewoul be lmie t pe f m i r srctd lghtwor or ttve a ke'a ha d i t d o ror ng e ti e i k s d n aywok.( 4 ) e e tr r AR 3. W hie D r Engs r nd ls e D r Tr yl ' s a e e a t f tona ca ciy r por i l . ta i t d . a or s t t m nt nd he unc i l pa t e t n he s m a y ofO s e' m e c r c ds s uli a e y d s ega de t se de i as e sng r um r bom s di al e or , he tm t l i r r d hi vi nce n s s i O s ne' f tonalc pa iy. I d,he fnala s s e m a s no m e i ofe t r bor s unc i a c t ndee r i s es m nt ke nton ihe doc e ,a i t ad r le o t t o- lr s v il nc f t ge t s um nt nd ns e e i s n he w ho z ur e la e oo a o uppor t noton t t t he i ha 3 Aferr ewi t sur lance vi Dr Tr yl r t evi ng he veil deo, , a or ecom mended t tHarf d r e Os ne f a ha tor ef r bor or f i ca t eval ton. However Harf d el ed nott do so. unctonal paciy ua i , tor ect o 14 Os ne i c pa e ofpe f m i m edi w o k o a f ltm e ba i . Li w i e i isfna bor s a bl r or ng um r n ul-i s s ke s , n t i l dec son t t r i t O s ne' di a lt be ft , a to d r i e l i l on D r i i o e m na e bor s s biiy ne is H rf r eles xc us ve y . Engsr nd' opi o wihou dic sngDr Tr ylr sc ta s ni n, t t s us i . a o ' omm e sr ga di t s ve la nt e r ng he ur ilnce vi o ort r s t ofDr M a ' f tona ca c t e l ton. de he e uls . y s unc i l pa iy vaua i 4 Harf d' t a llet s ro l e agei adic son'ofOs ne' f vor bl e d e tor s ç itr o e i usy ng f n s us i ' bor s a a e vi enc pr de f t rs ovi s urhe uppor f t c l i t tHa tor a e isdic e i i t r nai t or he oncuson ha rf d bus d t s r ton n e mi tng Os o n ' b n ft.W ht v Eao Co . h r Tem Dia iiyPln 3 8F. p x71 (t b r es e eis ie . tn p S o t r sb l a , 0 Ap ' 3 4h t Ci. 0 9 ; e as Do o a v. tnCo n, 6 F.d3 , 2 (t Ci. 0 6 (idnga a u e r 2 0 ) se lo n v n Eao r .4 2 3 21 3 9 4h r 2 0 ) fn i n b s ofdicei wheet ewa aç e aedir r ' e de i t cai ntsfvor; s rton r her s d s l segad'of vi nce n he l ma ' a ) whol Glnnv Mer LieI s Co, F.d6 0 67 ( t Ci. 0 )(mp szngt a th fiu et e . to. f n . .461 3 6 , 2 6h r 20 6 e ha ii h tç e alr o t c i re de et ti ofer d a t an i ta denilo be isr nde sa fna de a of onsde vi nc ha s f e fer niil a f neft e r i l nil b n f abi ay a dc p iius); ni v Hol n 8 F. p' 8 , 5 (t Ci. 0 4 e ehs r t r n a rco ' Ha s . l d, 7 Ap x 51 8 9 4h r 2 0 ) r a (o dn ta tet se so t p n inplna u e terds rto i d n igp an if' li h l ig h t h nzte f he e so a b s d h i icein n e yn litfs cam f di a lt be ks whe et y ç ppa e l ga no c i r ton't a opi onpr de by or s biiy net , r he t r nty ve a onsde a i ' o n ni ovi d ate tn p y iin whc dr cl a d e s do eo t eis si dip t) Al o g tec u t raig h sca , ih ie ty d rse n f h sue n s u e . t u h h o r h c r ota doe no m a a e t tH a tor a or s ci lw e g t t vi w s ofa c ai a ' a m nd s t nd t ha rf d cc d pe a i ht o he e l m nt s te tng physc a o ot re de es rai ii ns r he vi nc ubmitd by t cli nt Ha tor i note il dt te he a ma , rf d s ntte o d r ta iy r f et c edi aca ma ' r la ee de ,i l ng t opi onsofateai ç bir rl e us o r t li nts e ibl vi nce nc udi he ni a r tng 4I Hatod' bifi spp t i moto f s n rfr s re n u oroft in or ummayj g n, rfr s get t tDrMa s s r ud me tHatod ug ss ha . y' r p t sesisde iint tr n t Os or ' dia iiybe e is Se Doc e No.1 a 1 Cdq ve e or boltr t cso o emiae b nes s b l n ft. e k t t 1t7 l n Dr M a f un t a Os or ec ul p ror lg twor i ar srce wo kpln o s de aywor .) . y o d h t b n o d e f m ih k n etitd r a e r e ntr k' . ' Thi a gument however i wihoutmert AsOs neemphasied a t hea ng,t a lt t peror s r , ,s t i. bor z t he ri he biiy o f m s edent y wor orr tit d lghtwor doe notaut i l esablsh t Os ne i i i bl f ar k esrc e i k s omatcaly t i hat bor s nelgi e or diabiiy beneft . I t Os ne' elgi lt f beneft hi s on whet rhe i abl t pe f m t s lt is nsead, bor s i biiy or is nge he s e o r or he Es entalDutesofAny Occupaton,ast e t m sa defned i t Pln.Att stme,Harf d hasnot s i i i hos er re i n he a hi i tor pe f m e an empl biiy anal st de er i whet t e ar Any Occupatonst tOs ne coul r or d oya lt ysi o t m ne her her e i ha bor d pe f m and whih woul meett r st ear ngspot i ,i Osbor i lm ied t se ar or r or c d he equiie ni ental f ne s i t o dent y r tit lghtwor esrc ed i k. p ysca ' Blc & De k rDia ii Plnv. r , 3 U. 8 2, 3 ( 0 ) I ti c s , h iin. a k ' c e s b ly a No d 5 8 S. 2 8 4 20 3 . n h s a e t Ha tor s fna de i i n s r f d' i l c s o ugges st ti s m pl dec de t i nor t ne e de s it d by t ha t i y i d o g e he w vi nce ubm te Os ne whih dr c l a es e t i s ofhi fmci na c pa iy,a t de ii f ist bor , c ie ty ddr s d he s ue s t to l a ct nd he c son a l o pr vi a ba i f doi s Ont sr c d,t c r i sm pl una et co l t t o de ny ss or ng o. hi e or he ou t s i y bl o ncude ha Ha tor f l we ar a one de sonma ng pr es o t ti pr s nt s t n i e de et rf d olo d e s d cii ki oc s r ha t e e ed ubsa tal vi nc o s uppor isdeenni i t tOs r i c pa e o pe f m i t e tit d med um wo k o a t t t naton ha bo ne s a bl f ror ng mr src e i r n f ltmeba i . ul-i ss Fort r a o sae t c r c ude t tt tr i ton ofOs ne' be ft he e s ns tt d,he ou t oncl s ha he e m na i bor s ne is a mount dt a a e ofdicr ton. W he apln a m i sr t ha a e isdic e i t e o n bus s ei n a d nita or s bus d t s r ton, he cour m a et r ve s t de son o r ma i t t a i sr t f rf rhe r vi w. Se t y iher e r e he cii r e nd t o he dm nita or o u t r e e e Du rv 6 2F.da 8 - 7 El ot SaaLe Co'. 1 0F.d6 , 0 (t Ci. 9 9 . per , 3 3 t 75 8 6; l tv. r e l , 9 3 01 6 9 4h r 1 9 ) i p W hiet Fourh Cic tha ca i ne t tt e nd s d beus d s i y, t Cour ha l he t r ui s uto d ha t ma houl r e parngl ' he ' t s r ognie t ttema i mos apprpraewheet plnis l c ec z d ha t nd s t o it r he a tef ommist ( a r t he pln a nitao s t c i rrlva i or tonwhiht y fiedt c i r.... Elit 1 0 dmi srtr) o onsde ee ntnf mai c he al o onsde ' lot 9 ' F.da 6 9(nena ctto so te ) Li wie çifteplna mi itao f i dt ma e 3 t 0 itr l iain mitd . ke s,% l h a d nsrtr al o k r e a qua ef c ua fndi orf ied t a qua ey expli t gr undsf t de ii t n t de t a t l i ngs al o de t l an he o or he c son, he he pr rr dy i t r mandt c e f rf rhe fndi ora ii e a ton.'Go s v. ope eme s o e he as o u t r i ngs ddtonal xpl nai ' r ki 1 LongTem Dia lt Pl frSaaidEmpl es 31 F. x540,548( hCi. TT r sbiiy an o lre oye , 4 App' 4t r 2008) (ntr cttonsomitd) i enal iai te . I lghtoft c tsde sont tHa to d f ie t consde r lva te de e n i he our' cii ha rf r a ld o i r ee n vi nc pe t i ng t O s ne' f tona c pa t t c ti c nc t tr m a i t a opra e r a ni o bor s unc i l a ciy, he our s onvi ed ha e nd s he ppr i t r m e Ac or ngl t ca ewilber ma df ra f l a f i r viw ofOs e dy. c di y, he s l e nde o u l nd ar e e bonw ' s f to lc pa iy a isi c on hi a lt t pe f m Any Oc pa i a t tt r i unci na a ct nd t mpa t s biiy o ror cu ton, s ha e m s de i d i t Pl n. fne n he a C oncl on usi Fo t ra o ssae ,h p is moin frs mmayj d me twi bed n e , n te r he e s n ttd t e m e ' to s o u r u g n l e id a d h l c ewilber m a d t Ha tor f rf rhe a nitai pr e di .TheClr i die t as l e nde o rf d o u t r dmi sr tve oc e ngs e k s r ced t s nd c rii c e oft sme a o e e tfed opi s hi mor ndum o ni a t ac ompanyi or rt a1c pi on nd he c ng de o 1 ouns el ofr c d. e or EN TER :Thi t7 A da ofSe e r s y pt mbe , 201 2. kw o y z . Chi fUnie St t sDititJ e t d a e src udge