Sam,
Are you aware that the document you are referring to came from among the many documents posted on the JM website?
As such, would that not call in to question the authenticity of said document in light of the SEC's accusations against the creator of that web site?
Also, even if it can be trusted as an authentic document, does it not represent the insurance company's side of the story in order to back up a position they may have wished to take with respect to limiting their liabilities? Wouldn't you wish to hear the other side of the story before using it in the way you have, or don't you care about that?
I think the SEC just pulled the stool out from under your position on this, don't you?
