• Other design elements, I mentioned the way the
  cost of insurance charge increases as you get older, how that interacts in fact with the net amount at risk which several of the witnesses commented on, and it's a very complex system.
• But LSW well understands the system.
• How many policyholders understand the system?

-- Brian Brosnahan, Plaintiff Attorney

Walker v LSW

• Case 2:10-cv-09198-JVS-JDE Document 813 Filed 07/06/15 Page 84 of 224