ÿWPCÉ /# ¢UN­ %û 0(w@)4i}Œ 0J” 0TÞ 0^2 0h 0rø 0|j 0†æ 0l 1uü 0dqU>ÕB) 0@< D3| B¯ DCÌ AM U*\ † v~ vÓ AQÞÆ/ 0Dõ 0D9 D/} B¬˜HP LaserJet 4SiHPPCL5MS,ü,,,,,ü0nLHÎ(ÈhH  Z 6Times New Roman RegularX($¡¡ #$D%&E'(V)V*Ó€69 B\J#°3|x92 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(&Times New Roman% Line 7 d("ÿÿ$££Ò  ÒÒ  Ò""""'ÿÿdxd d7Border 1dd* #Cþÿ << Gÿÿ< Œ 9p`(Arial ýÝ ƒ!ÝÔ€ÔÝ  ÝÝ ƒ+"ÝÝ  ÝÔ€%ÔÔ€%ÔÓ  ÓÔ YYY ÔFILEDÔ€%XÔÌÌò òNovember€14,€1997ÌÌCecil€Crowson,€Jr.ÌÔ€%ôÔAppellate€Court€Clerkó óPtPtHHÚ(ÿáÿâùFG(üHHØ(d'`Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  ion-F Geneva ÒÒ  ion-F Geneva Ò*+ ,-Cþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5(3¯$¢¢Ý ƒ!ÝÝ  Ý($$””ò òÚ  Ú1Ú  Úó ó..'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÝ  Ýò òÑ\R AØ'\ÑÑ\R AØ'\Ñ›Þ ÞÌà@ àIN€THE€COURT€OF€APPEALS€OF€TENNESSEEó óÌà@ àò òWESTERN€SECTION€AT€JACKSON€€Ìà àà àà àòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ÌÌóóÌÌMISSISSIPPI€FARM€BUREAU€€€€€€€€à à)à àÌMUTUAL€INSURANCE€COMPANY,à à)Ìà àà àà àà àà àà à)Ìà àó óPlaintiff/Appellee,ò òà àà àà à)à àó óShelby€Law€No.€63735€T.D.Ìò òà àà àà àà àà àà à)Ìvs.à àà àà àà àà àà à)à à€Ìà àà àà àà àà àà à)à àó óAppeal€No.€02A01„9607„CV„00151ò ò̜ـ*ÙßR€$&#A1-j|Òù` Å `€€@ÿRß›LATONIA€SCRUGGS€JONES€and€à à)à àÌTHOMAS€JONES,à àà àà àà à)Ìà àà àà àà àà àà à)Ìó óà àDefendants/€Appellants.à àò òà à)à à€ÌÌÌÌÌÌà@ àó óAPPEAL€FROM€THE€CIRCUIT€COURT€OF€SHELBY€COUNTYÌà@ àAT€MEMPHIS,€TENNESSEEÌÌÌÌÌà@ àTHE€HONORABLE€GEORGE€H.€BROWN,€JR.,€JUDGEÌòòÌÌÌÌFor€the€Plaintiff/Appelleeóó:€òòà àà àà àFor€the€Defendants/Appellantsóó:ÌMelanie€M.€Shuttleworthà àà àà àPhil€Zerilla,€Jr.€€€€€€€€ÌMemphis,€Tennessee€à àà àà àà àMemphis,€Tennessee€Ì€€€€€€€€€€€€€€€€€€Ìò òÌÌà àà àà àà àà àà àAFFIRMED€€€€€€€€€€€€€€ÌÌÌÌà àà àà àà àà àà àó óHOLLY€KIRBY€LILLARD,€J.ÌÌÌCONCUR:ÌÌòòÌóóALAN€E.€HIGHERS,€J.ÌÌÌDAVID€R.€FARMER,€J.ò òÇØØÙ  ÙÓÓÑ7€<ŒXXdðXXdð7ÑÑ  Ñà@ àOPINIONó óÌÓ  Óà àIn€this€case,€an€insurance€company€sought€declaratory€judgment€on€the€issue€œof›€whether€theÏlanguage€in€the€insurance€policy€automatically€increased€the€policyððs€coverage€limits€to€thoseÏrequired€by€Tennesseeððs€Financial€Responsibility€Law,€absent€certification€of€the€policy.€€The€trialÏcourt€ruled€that€it€did€not.€€We€affirm.Ìà àAppellee€Mississippi€Farm€Bureau€Mutual€Insurance€Company€(ð ðMFBðð)€issued€anÏinsurance€policy€to€Brenda€Boyd€(ð ðBoydðð),€a€Mississippi€resident.€€The€policy€provided€liabilityÏcoverage€up€to€$10,000€per€person€and€$20,000€per€accident,€complying€with€MississippiððsÏrequirements€for€minimum€coverage.€€òòò òSeeó óóó€Miss.€Code€Ann.€ðð€œ63„15„43€(2)(b)(1972).›€€The€policyÏalso€provided,€in€pertinent€part:Ìò òÓÓà8 à6.€€Financial€Responsibility€Laws€„€Coverage€A€and€B.ó ó€€If€this€policy€isÏone€that€is€certified€following€an€accident€as€proof€of€financial€responsibility€forÏfuture€accidents€under€Mississippi€Code€Annotated,€Section€63„15„43,€andÏamendments€thereto,€and€under€like€provisions€of€the€Motor€Vehicle€FinancialÏResponsibility€Law€of€any€State€or€Province,€such€insurance€as€is€afforded€by€thisÏpolicy€shall€comply€with€the€provisions€of€such€law€to€the€extent€of€the€coverageÏand€minimum€limits€of€liability€required,€provided,€however,€that€this€policy€willÏnot€conform€to€any€requirements€by€any€other€state€or€providence€[sic]€as€to€theÏtypes€and/or€amounts€of€coverage€other€than€ò òð ðbodily€injuryððó ó€and€ò òð ðpropertyÏdamageððó ó€liability.ÌÌÓÓIn€1993,€Boyd€had€an€automobile€accident€in€Tennessee€involving€Appellants€Latonia€ScruggsÏJones€and€Thomas€Jones€(ð ðJonesesðð).€€The€Joneses€subsequently€filed€a€claim€for€personal€injuriesÏarising€out€of€the€accident.Ìà àThe€Tennessee€Financial€Responsibility€Law€of€1977,€Tennessee€Code€Annotated€ðððð€55„12„101€et.€seq.,€€requires€policy€limits€of€$25,000€per€person€and€$50,000€per€accident€after€1989.€ÏTenn.€Code€Ann.€ðð€œ55„12„102(12)(C)(ii)›€(1993).€€Prior€to€the€accident,€however,€MFB€had€notÏcertified€the€policy€as€proof€of€financial€responsibility.€€To€determine€the€policy€limits€for€theÏTennessee€accident,€MFB€filed€a€complaint€in€Circuit€Court€in€Tennessee€for€declaratory€judgment.€ÏMFB€asked€the€trial€court€to€determine€the€question€of€whether€the€above„quoted€language€in€theÏpolicy€operated€to€automatically€increase€the€liability€limits€to€those€required€by€the€FinancialÏResponsibility€Law.Ìà àBoth€parties€moved€for€summary€judgment.€€The€trial€court€granted€summary€judgment€forÍMFB€and€denied€the€Jonesesðð€motion€for€summary€judgment.€€From€this€decision€the€Joneses€nowÏappeal.̜Ǜà àThe€issue€on€appeal€is€whether€language€in€the€MFB€policy€increased€the€policyððs€liabilityÏlimits€to€comply€with€those€required€by€the€Financial€Responsibility€Law,€despite€the€fact€that€MFBÏhad€not€certified€the€policy€as€proof€of€financial€responsibility.Ìà àA€trial€court€should€grant€a€motion€for€summary€judgment€when€the€movant€demonstratesÏthat€there€are€no€genuine€issues€of€material€fact€and€that€the€moving€party€is€entitled€to€a€judgmentÏas€a€matter€of€law.€€Tenn.€R.€Civ.€P.€56.03.€€Summary€judgment€is€only€appropriate€when€theÏfacts€and€the€legal€conclusions€drawn€from€the€facts€reasonably€permit€only€one€conclusion.€Ïò òòòCarvell€v.€Bottomsó óóó,€900€S.W.2d€23,€26€(Tenn.€1995).€€Since€only€questions€of€law€areÏinvolved,€there€is€no€presumption€of€correctness€regarding€a€trial€court's€grant€of€summaryÏjudgment.€€ò òòòId.ó óóó€€Therefore,€our€review€of€the€trial€courtððs€grant€of€summary€judgment€is€ò òòòde€novoó óóóÏon€the€record€before€this€Court.€€ò òòòId.óóó ó€€€Ìà àIn€Tennessee,€a€motorist€who€is€involved€in€an€automobile€accident€resulting€in€a€death,Ïpersonal€injury,€or€property€damage€in€excess€of€four€hundred€dollars€must€file€an€accident€reportÏwith€the€Commissioner€of€Safety.€€Tenn.€Code€Ann.€ðð€55„12„104(a)€(1993).€€When€theÏcommissioner€receives€such€a€report,€if€he€receives€notice€of€a€claim€filed€against€the€motorist€andÏdetermines€that€the€claimantððs€chance€of€winning€a€judgment€are€reasonably€possible,€he€thenÏrequires€a€security€deposit€from€the€motorist€to€cover€the€possible€œjudgment.€€ò òòòId.ó óóó›€ðð€55„12„105(a)Ï(1993).€€If€the€motorist€fails€to€provide€a€security€deposit,€the€commissioner€revokes€the€motoristððsÏdriverððs€license€and€registrations.€€òòò òId.ó óóó€€If€the€motorist€is€a€nonresident,€the€commissioner€revokesÏhis€privilege€to€drive€in€the€state.€€òòò òId.ó óóóÌà àA€security€deposit€is€not€required,€however,€if€the€motorist€ð ðhad€in€effect€at€the€time€of€theÏaccident,€an€automobile€liability€policy€or€bond€with€respect€to€the€vehicle€involved€in€theÏaccident,ðð€unless€the€vehicle€was€being€driven€without€the€ownerððs€express€or€implied€permission.€ÏTenn.€Code€Ann.€ðð€55„12„106(1)€(Supp.€œ1997).›€€In€order€to€qualify,€the€policy€must€meet€theÏfollowing€requirements:ÌÓÓà8 à(a)€€No€policy€or€bond€shall€be€effective€under€ðð€55„12„106,€unless€issued€by€anÍinsurance€company€or€surety€company€licensed€to€do€business€in€this€state€.€.€.€andÏunless€such€policy€or€bond€provides€security€not€less€than€the€amounts€specified€inÏðð€55„12„102.ÌÌÓÓœò òòòId.ó óóó›€ðð€55„12„107(a)€(1993).€€Section€55„12„102€requires,€as€one€option€for€any€period€afterÏDecember€31,€1989,€ð ð[a]€split„limit€policy€with€a€limit€of€not€less€than€twenty„five€thousand€dollarsÏ($25,000)€for€bodily€injury€to€or€death€of€one€(1)€person,€not€less€than€fifty€thousand€dollarsÏ($50,000)€for€bodily€injury€to€or€death€of€two€(2)€or€more€persons€in€any€one€(1)€accident,€and€notÏless€than€ten€thousand€dollars€($10,000)€for€damage€to€property€in€any€one€(1)€accident.ðð€€œò òòòId.ó óóó€ðð›Ïœ55„12„102(12)(C)(ii).Ì›à àFinally,€a€motorist€may€provide€proof€of€financial€responsibility€by€ð ðfiling€with€theÏcommissioner€the€written€certificate€of€any€insurance€carrier€duly€authorized€to€do€business€in€thisÏstate,€certifying€that€there€is€in€effect€a€motor€vehicle€liability€policy€for€the€benefit€of€the€personÏrequired€to€furnish€proof€of€financial€responsibility.ðð€€Tenn.€Code€Ann.€ðð€55„12„120€(1993).€€AÏnonresident€can€file€such€a€certificate€from€a€carrier€licensed€to€do€business€in€the€state€in€which€theÏmotoristððs€vehicle€is€registered,€so€long€as€the€carrier€meets€two€requirements:ÌÓÓà8 àà à(1)€€The€insurance€carrier€shall€execute€a€power€of€attorney€authorizing€theÏcommissioner€to€accept€service€on€its€behalf€of€notice€or€process€in€any€actionÏarising€out€of€a€motor€vehicle€accident€in€this€state;€andÌÌà8 àà à(2)€€The€insurance€carrier€shall€agree€in€writing€that€such€policies€shall€beÏdeemed€to€conform€with€the€laws€of€this€state€relating€to€the€terms€of€motor€vehicleÏliability€policies€issued€therein.ÌÌÓÓœò òòòId.óóó ó›€ðð€55„12„121€(1993).Ìà àThe€pertinent€statutes€are€discussed€in€ò òòòMcManus€v.€State€Farm€Mutual€œAuto.›€œIns.ÏCo.óóó ó,›€225€Tenn.€106,€463€S.W.2d€702€(1971).€€In€òòò òMcManusó óóó,€the€plaintiff€filed€œfor€declaratory›Ïjudgment€against€the€defendant€insurance€company,€asserting€that€an€exclusion€clause€in€œthe›€policyÏwas€void€as€being€in€conflict€with€the€Financial€Responsibility€Law.€€òòò òId.ó óóó€at€107„09,€463€S.W.2dÏat€œ703.›€€The€plaintiff€noted€that€his€policy€was€on€file€with€and€had€been€approved€by€theÏCommissioner€of€Insurance€and€Banking,€and€asserted€that€the€Financial€Responsibility€Law€wasÏtherefore€applicable.€€ò òòòId.ó óóó€at€108„09,€463€S.W.2d€at€703.€€In€discussing€the€history€of€the€FinancialÍResponsibility€Law,€the€Court€noted€that€the€legislature€chose€to€require€public€liability€insuranceÏonly€after€a€first€accident,€as€opposed€to€requiring€public€liability€insurance€of€everyone€in€the€state.€Ïòòò òId.ó óóó€at€109,€463€S.W.2d€at€703.€€After€discussing€the€Financial€Responsibility€Law,€the€CourtÏfound:ÌÓÓà8 àà àIn€keeping€with€the€intent€of€the€Legislature€that€the€sanctions€of€this€statuteÏapply€only€after€an€accident,€then€the€requirements€that€an€insurance€policy€conformÏto€this€statute€.€.€.€would€apply€only€to€insurance€policies€issued€and€certified€to€theÏCommissioner€of€Safety€as€proof€of€financial€responsibility€in€accord€with€theÏstatute.ÌÌÓÓò òòòId.ó óóó€at€111,€463€S.W.2d€at€704.€€In€ò òòòMcManusóóó ó,€the€plaintiff€had€not€certified€his€insurance€policyÏas€œÇproof›€of€financial€responsibility.€€The€Court€explained:ÌÓÓà8 àThe€only€language€in€the€policy€in€regard€to€financial€responsibility€laws€is€asÏfollows:ÌÌà8 àà8 àWhen€certified€as€proof€of€future€financial€responsibility€under€anyÏmotor€vehicle€financial€responsibility€law€and€while€such€proof€isÏrequired€during€the€policy€period,€this€policy€shall€comply€with€suchÏlaw€if€applicable€*€*€*.ÌÌà8 àà àThe€above€language€of€this€policy€is€a€negation€of€any€argument€it€has€beenÏcertified€as€proof€of€financial€responsibility.ÌÌÓÓòòò òId.óóó ó€at€112,€463€S.W.2d€at€704.€€The€Court€concluded€by€œnoting›€that€ð ð[t]he€fact€the€insuranceÏpolicy€in€question€is€on€file€and€approved€by€the€Commissioner€of€the€Insurance€and€Banking€.€.€.Ïdoes€not€make€the€policy€a€ððcertified€policyðð€under€our€financial€responsibility€law.ðð€€ò òòòId.óóó ó€at€112,Ï463€S.W.2d€at€705.Ìà àThese€issues€are€also€addressed€in€òòò òHolt€v.€State€Farm€Mutual€œAuto.›€œIns.›€Co.ó óóó,€486ÏS.W.2d€734€(Tenn.€1972).€€In€òòò òHoltó óóó,€the€plaintiff€insurance€company€sought€declaratory€judgmentÏregarding€its€liability€on€two€insurance€policies.€€òòò òId.ó óóó€at€734„35.€€At€issue€were€the€exclusionÏclauses,€which€provided€that€the€relative€of€an€insured€who€lived€in€the€same€household€as€theÏinsured€was€not€covered€for€bodily€injuries€under€the€policies.€€The€defendant€argued€that€theÏexclusion€clauses€were€void€because€they€violated€the€Financial€Responsibility€Law.€€ò òòòId.óóó ó€at€735.€ÏThe€Court€disagreed,€finding€that€the€Financial€Responsibility€Law€was€inapplicable€under€the€factsÏof€the€case.€€The€parties€stipulated€that€the€policies€had€been€in€effect€at€the€time€of€the€accident€andÏthat,€after€the€accident,€the€insurance€company€had€filed€papers€with€the€commissioner€attesting€thatÏthe€car€involved€in€the€accident€had€been€covered€by€insurance€at€the€time€the€accident€occurred.€Ïò òòòId.óóó ó€at€736.€€The€Court€found:ÌÓÓà8 àà àThe€requirements€of€T.C.A.€Section€œ59„1223›€apply€only€to€policiesÏprocured€and€certified€to€the€Commissioner€of€Safety€as€proof€of€financialÏresponsibility€after€an€accident€by€the€owner€or€operator€who€at€the€time€of€theÏaccident€carried€no€liability€insurance€on€the€automobile.ÌÌÓÓò òòòId.óóó óÌà àPursuant€to€òòò òMcManusó óóó€and€òòò òHoltó óóó,€it€is€clear€that€the€MFB€policy€limits€do€not€have€toÍcomply€with€those€set€forth€in€the€Financial€Responsibility€Law.€€The€pertinent€statutes€indicate€thatÏthe€need€for€proof€of€financial€responsibility€comes€into€effect€only€after€a€motorist€has€had€anÏaccident.€€ò òòòSeeóóó ó€Tenn.€Code€Ann.€ðððð€55„12„104€to€œ„105;›€ò òòòMcManusó óóó,€225€Tenn.€at€109,€463ÏS.W.2d€at€703.€€In€essence,€the€law€allows€a€motorist€a€ð ðfirst€bite€at€the€appleðð€before€requiringÏthat€he€carry€insurance€or€meet€any€particular€insurance€coverage€requirements.€€The€language€inÏthe€MFB€policy€mandates€no€different€result.€€Indeed,€the€language€in€the€MFB€policy€is€similar€toÏthat€at€issue€in€òòò òMcManusó óóó.€€ò òòòSee€McManusó óóó,€225€Tenn.€at€112,€463€S.W.2d€at€704.€€The€policyÏprovides€that€it€will€comply€with€the€financial€responsibility€law€of€another€state€only€if€it€ð ðisÏcertified€òòò òfollowingó óóó€an€accident€as€proof€of€financial€responsibility€for€òòò òfutureó óóó€accidentsððÏ(emphasis€added).€€As€far€as€the€record€indicates,€this€was€Boydððs€first€accident€in€Tennessee,€andÏthe€policy€had€not€been€certified€as€proof€of€financial€responsibility.€€Therefore,€the€plain€languageÏof€the€policy€indicates€that€its€coverage€limits€need€not€conform€to€those€required€underÏTennesseeððs€Financial€Responsibility€Law.€€òòò òBallard€v.€North€Am.€Life€&€Cas.€Co.ó óóó,€667ÏS.W.2d€79,€82„83€(Tenn.€App.€1983)€(absent€ambiguity,€courts€are€to€interpret€insurance€policiesÏaccording€to€the€plain€meaning€of€the€language€used).€Ìà àThe€Joneses€argue€that€ò òòòWinecoff€v.€Nationwide€Mutual€œIns.›€Co.óóó ó,€223€Tenn.€267,Ï444€S.W.2d€84€(1969),€requires€a€different€result.€€In€ò òòòWinecoffóóó ó,€the€Court€interpreted€certainÏpolicy€provisions€to€require€coverage€limits€in€line€with€those€required€by€the€FinancialÏResponsibility€Law.€€òòò òId.ó óóó€at€271,€274„76,€444€S.W.2d€at€85,€87„88.€€A€key€provision€provided€theÏfollowing:ÌÓÓà8 àððWhen€certified€as€proof€of€financial€responsibility€for€the€future€under€theÏprovisions€of€any€motor€vehicle€financial€responsibility€law,€such€insurance€as€isÏafforded€by€this€Policy€under€Coverages€C(1)€and€C(2)€shall€comply€with€theÏprovisions€of€such€law€to€the€extent€of€the€coverage€required€by€such€law.ððÌÌÓÓò òòòId.óóó ó€at€271,€444€S.W.2d€at€86.€€This€provision€is€similar€to€the€language€discussed€above.€ÏHowever,€the€policy€in€œò òòòWinecoffó óóó›€contained€œtwo›€additional€provisions.€€The€first€provided:ÌÓÓà8 àððThis€policy€does€not€comply€with€motoristsðð€financial€responsibility€laws€of€yourÏstate€unless€there€is€a€premium€charge€shown€for€Coverages€C(1)€and€C(2)€in€ItemÍ5.ððÌÌÓÓòòò òId.ó óóó€at€271,€444€S.W.2d€at€85.€€The€second€provided:ÌÓÓà8 àððThe€limits€of€the€Companyððs€liability€under€Coverages€C(1)€and€C(2)€shall€complyÏwith€the€limits€of€liability€required€by€any€applicable€motor€vehicle€financialÏresponsibility€law.ððÌÌÓÓò òòòId.óóó ó€€Each€policy€showed€premium€charges€for€Coverages€C(1)€and€C(2)€in€Item€5,€and€the€CourtÏconcluded€that€the€insurance€company€had€agreed€to€comply€with€the€Tennessee€FinancialÏResponsibility€Law€and€the€coverage€limits€contained€therein.€€ò òòòId.óóó ó€at€274„76,€444€S.W.2d€at€87„88.€€Unlike€the€policy€in€òòò òWinecoffó óóó,€the€MFB€œpolicy€in€this€case›€contains€no€provision€forÏpremium€charges€for€any€added€coverage€necessary€to€comply€with€any€stateððs€financialÏresponsibility€law€and€in€no€way€purports€to€comply€with€such€a€law€unless€MFB€first€certifies€theÏpolicy€for€future€accidents.Ìà àThe€decision€of€the€trial€court€is€affirmed.€€Costs€on€appeal€are€assessed€against€Appellants,Ïfor€which€execution€may€issue€if€necessary.ÌÌÓÓà àà àà àà àà àòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ìà àà àà àà àà àò òóóHOLLY€KIRBY€LILLARD,€J.ÌÌÌCONCUR:ÌÌòòÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ÌóóALAN€E.€HIGHERS,€J.ÌÌÌòòÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€óóÌDAVID€R.€FARMER,€J.ó ó