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adequate 101:17 140:9 152:25 180:11 adequately 179:14 Adler 1:5 6:5 200:16 219:2 220:7 Administered 2:7 admissibility 148:23 admissible 43:2 I 46:12 50:10 58:22,22 admission 53:15 59:18 61:14 147:3 admit 63:25 104:9 167:16 admits 65:4 admitted 52:13,17 61:24,25 adopted 28:15 30:14 202:18 209:9 advance 105:9 198:7 advancing 132:1 adverse 213:23 affect 34:24 156:13 181:16,20 182:17 affected 57:15 affects 182:22 185:11 affirmative 199:17 200:7 affirmatively 155:14 after 61:11,12 62:6,6 63:15 71:6 117:17 125:14 159:17 178:5 204:8,15 206:12 208:15 again 37:21 44:2 45:8 46:19 49:4 50:4 56:13 60:6 62:14,17 65:18 69:23 85:5 86:19 92:7 102:13 106:18 108:25 110:4 120:21 126:25 128:23 138:4 140:19 156:16 162:13 179:21 210:11 against 11:2,7 18:24 25:13,16 26:5 43:22 44:22 45:11 52:21 61:7 65:24 66:7 84:5 84:22 85:11 101.22 124:9 125:4 132:12 134:13 149:13 153:13 157:19 162:2,11,13 174:22 187:21 188:6 196:5 197:16 200:2.8 agent 72:12 155:6 agents 73:2,6 74:14,17 138:7 152:23,24 aggravated 216:8 aggravating 29:25 31:6 32:21 33:17 43:15 44:7 60:11 ago 13:18 26:18 65:7 187:10 agree 43:2 50:1 75:II 75:14,16,19 85:24 88:20,23 90:6 103:25 104:6,7 108:9 110:21 129:7,12,14 136:11 141:20 161:25 170:13 170:17,20,22 171:1 179:2 181:24 182:8 190:10 agreed 41:21 174:12 177:9 178:19 agreement 111:24 112:8,12,13,13 113:3 115:1,9,12,13,18,21 115:23 116:5,14 117:17 118:7 179:3.4 186:4 209:7 agreements 186:2 ahead 121:5 aid 89:19 98:5,23 99:10 100:3,18,25 131:9 aided 87:17 101:11 151:7,8 169:18 alder 94:17 117:14 131:8,12 150:24 alders 151:10,25 aiding 82:10 83:13 85:2 88:5,9,20 89:24 90:12 93:12 94:5 95:1,8 98:25 99:18,25 110:24 127:19 129:22 129:25 131:6 133:2 141:24 142:4,11 145:13 152:6 163:5 166:6 169:22 170:6 173:17,23,25 174:21 180:19 197:25 200:2 aids 94:15 151:23 al 67:24 Alaska 193:22 allegation 34:23 77:19 118:7 128:16 147:21 allegations 34:20,2 I 39:16,17,23 43:1 45:11 46:16 47:8 48:12 56:7,20,21 69:2 69:4 76:9,12,14 77:8 77:13,14,23 92:9,15 110:5,6,9 118:1,3 127:11,23,25 128:9 128:11,12,13 175:22 allege 71:14 alleged 42:17 44:15,25 45:5,8 46:17 52:3 53:22 63:13,24 64:10 65:6 66:9 67:6,16 68:13 69:6,14,15 75:12,16 76:8,20 78:10 114:21 117:25 118:20 119:13 127:6 127:7 130:15 141:21 145:13 146:2,2 OUELLETTE & MAULDIN COURT REPORTERS. 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(305) 358-8875 EFTA01124400 Page 2 149:13 162:19,25 169:8 175:21 177:21 allegedly 139:17 alleges 88:19 alleging 67:5 113:15 allow 100:3 allowed 191:16 Almost 188:6 Along 6:18 already 8:20 33:7 55:7 66:22 99:24 101:21 103:16 105:3 132:4 133:19 143:4 144:3 157:4 207:14 220:19 alter 86:13 166:4 175:24 alteration 64:21 altered 35:25 65:23 140:21 alters 175:25 although 76:23 146:15 148:1 162:21 173:22 173:24 186:22 always 104:3,7 189:23 194:6 ambiguity 159:1 ambiguous 159:1 amend 57:1 58:3 Among 115:3 amount 17:15,17 30:2 30:20 31:11 45:13,25 53:19 58:15,20 59:9 82:1,2 104:25 150:17 150:17 155:23 156:19 156:21 170:23 175:3 176:24,25 178:21 182:18,22 183:2 185:12 189:9,11 190:2 191:15,22 197:15 201:14 206:3 209:12 210:12,17,22 analogized 201:22 analogy 50:16 53:4 analysis 34:18 116:16 117:6 198:1 and/or 142:4 163:20 218:17 another 24:18 50:3 53:23 66:11 67:11 74:5 75:22,22 122:20 136:6 156:6 159:12 170:2 178:11 186:6 193:17 answer 11.23 17:13 18:2 19:25 22:17,24 27:4,13 28:20 54:21 55:3,15 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188:17 appellate 182:12 applicability 159:22 160:1 applicable 16:25 18:19 18:21 126:6 133:23 134:10 136:22 148:4 150:18 154:8 155:3 159:23 160:14 applicants 186:13 application 149:12 150:2 157:2 161:4 174:5 applied 156:20 159:16 160:18 173:21 applies 150:17 159:13 160:23 161:1 apply 33:1,2 149:24 150:2,13,14 155:22 159:2 161:7,8 162:8 169:8 218:16 applying 158:19 appointment 220:12 appreciate 23:16,17 73:11 150:7 approached 83:24 approaches 171:15 187:7 appropriate 30:18,20 31:11,25 36:2445:13 45:25 50:11 51:2,25 53:13,19 58:1960:4 61:16 66:6 73:2 78:18 113:19 118:13 132:7 181:8 191:22 191:25 192:6,15 213:18 appropriately 30:1 42:14 53:17 163:3 197:2 204:12 appropriateness 31:9 66:1 approved 60:3 approximately 6:2 13:18 81:10 82:17 area 10:17 11:4,10 12:5 12:6,15 29:8 95:6 97:15 156:4 argue 57:22 161:2 202:8 argument 131:22 202:1I arguments 132:9 155:2 arise 135:18 162:9 arising 83:10.11.12 127:18 148:22 155:23 157:21 159:17 173:8 arose 192:12 around 47:24 arrive 66:13 arriving 33:3 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(305) 358-8875 EFTA01124401 Page 3 22:13,20 authorities 29:24 authority 95:20 96:2 140:10 217:6 authorized 218:8 automobile 188:7 availability 124:3 available 64:18 112:6 avoid 193:11 196:21 214:14 220:13 avoided 193:11 award 61:13,13,19,21 97:20 123:14 149:8 150:10 157:14,18,21 162:1,11,12,18,22,24 167:7 170:24 188:4 188:24 189:17,19 190:23 196:19 197:16 203:3 awarded 132:4,7,12 149:12 162:13 191:15 awards 16:24 187:12 197:13 aware 9:8 29:5,6 31:3 42:17 46:9,15 56:19 56:24,24 57:22 58:1 76:23 79:10 85:25 91:17 97:25 120:9,11 122:11 143:15 144:10 152:11 164:16,18 184:18 186:6 187:11 190:5 195:24 196:1,3 196:6 197:9 199:9,12 199:14 203:10 204:13 204:19 205:11,12,13 205:16 away 40:10 an 1:16,17 2:20,21 6:2 39:9,10,11 220:12 B B 5:8 154:21 155:11 back 17:6 25:8 39:12 40:14,15,17 44:13 52:4 54:21 70:2 I 92:12 96:7,24 101:3 101:24 102:6 114:23 121:16,20 128:20 145:24 171:9,13 172:10 174:25 177:1 185:9,9 187:25 214:19 background 68:19,20 68:22,24,25 122:2,2,5 backwards 47:23 bad 48:1 167:16 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52:24 blind 144:19 blowup 54:12 board 36:11,12 37:9.11 37:18 38:14 39:1 137:8 141:2 143:19 144:6,11,13,15,19.24 145:3,7,11 board's 38:21 Board-certified 10: I 7 Boca 3:14,15 bona 176:3 book 197:23 OUELLETTE & MAULDIN COURT REPORTERS. 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(305) 358-8875 EFTA01124402 Page 4 both 10:19 11:15 12:24 15:17 16:9 30:19 31:10 34:16 87:20,21 116:13 122:18 126:18 126:19 137:5,11 150:24 154:12 159:20 179:1 181:18 182:21 185:10 193:14 195:24 202:4 bottom 168:2 220:20 bought 215:22,23 Boulevard 1:15 2:19 3:11,18 4:3 220:5 box 14:17 41:2447:3,4 47:5 106:20,21 Bradley 84:4,9 break 36:25 39:6 66:11 66:20 73:17 74:18,19 118:14 120:24 121:2 121:10 147:10,17 179:22 193:3 208:4 breakfast 67:4,8 brief 103:23 briefly 149:7 166:21 briefs 103:13,18 104:17 105:5,12,15 106:8,14 106:16,20 bringing 65:22 broad 17:11 broader 32:8 broadest 130:18 broadly 22:17 37:25 173:18 broke 75:2 brought 8:12,15,21,21 9:4 10:11 Broward 187:12 built 84:20 burden 129:14 business 10:18 32:1 140:3 183:6 C C 153:17 154:8 155:3 calculated 201:18 calculus 212:17 call 220:11 called 7:9 26:3 84:17 101:16 190:25 calling 76:9,12 calls 164:8,12 165:19 167:3 168:23 came 25:21 63:16 108:3 166:13 204:22 cap 150:23 151:11 capacity 190:22 care 134:14,18 161:16 career 11:17 27:8,23 216:7 Caretsky 121:6 Carolina 3:5 carried 89:2 carrying 25:21 carve 170:7 carved 148:2 case 2:5,7 6:5,24 14:5,8 22:2 25:9,11,13,15 26:13,14 30:4,6 31:4 31:20,21 32:6,13,16 33:4,21 34:1,2,4,25 41:7,23 43:13 44:3 46:13 50:3,22 52:22 53:5,23,24 54:3 60:16 62:463:10,15 68:1 78:19 80:18 86:9,14 86:17 89:8,13,16 91:15,18,19 94:2,7,10 94:11,11 95:10,12 97:17 98:24 104:21 105:11 108:15 112:25 121:25 122:3,5 123:21 128:5 131:15 131:23 132:8,11 133:16 140:11,13,16 143:17 I48:11,20,24 149:16,21 152:11 154:19,23 156:22 157:15 158:1,3,5,15 159:2,4 160:22 164:17 165:7 167:1 167:19,20 171:21 172:14 174:1 176:12 176:12,24 177:7,8,12 178:11,22 179:18 181:23 182:2 185:11 185:19 186:4,7 187:17 188:6,14,21 191:1,4,5,5,9,12,14 191:16,23 193:14,24 196:13 198:13 199:3 199:19 200:1,11 203:4,11,22 204:1,16 204:19,22,22,25 205:1,11 206:14 207:21 211:3,8 212:23 213:6,8,19 215:4 216:6 220:8 cases 11:15 24:13,16 26:24 27:15,16,17,19 27:21 30:10,12 31:1 31:10 43:1 44:18 50:18,21 52:9,13 55:18 56:3 59:14 63:6 80:11,15 94:14 94:21,23 95:5,15 104:3 108:14,22 111.6 121:22,22 131.24 136:4151:12 151:13,17 152:3,17 152:19 154:16 156:7 156:15,24 158:8,12 160:21,25 161:1 162:8 172:17 173:23 179:12 180:5 182:2,3 187:12 188:12 190:5 191:25 192:2,9 193:15 197:13 202:23 206:22 207:10 209:1 209:3 212:21,25 216:6 cast 130:18 caught 98:8 131:14 causal 88:8 causation 90:7,15,19 90:20,25 91:4,7,11,12 94:25 133:19,20 154:7,10 cause 85:9 89:10 90:16 90:16 91:21 95:17 147:24 148:5,7,22 153:16 154:12 160:7 160:11 165:16 167:17 175:17 176:10,14 195:9 212: I 1 caused 88:22,24 99:3 101:5 102:1,17 103:5 103:5 176:11 192:5 causes 86:13 159:17,23 160:2,4,14 caution 106:25 107:6 CD 75:3 CDD 69:17 71:15 204:17,18 certain 9:25 22:19 34:5 48:12,15,19 69:7,10 72:5 91:13 110:13 112:15 149:8 185:15 certainly 10:12 11:8,24 15:6 18:1 19:11 21:2 23:2 24:8,10 27:13 33:24 38:19 39:24 44:16 58:2 60:25 66:11 75:8 77:16 82:3 103:11 104:6 115:20 139:2 152:25 155:15 181:21 187:2 certificate 82:7 217:1 218:1 certification 218:16 certifications 10:19 certify 217:6 218:7,10 218:13 certifying 218:17 challenge 162:21 chance 23:18 39:3,4 79:15 change 36:3,16 55:14 62:22 83:18 95:24 109:17 133:11 147:7 171:18,19 182:6 189:21 219:3 220:16 changes 15:18 51:25 133:6,8 138:3 161:16 161:18,22 190:1 219:3,24 220:15,17 Chapter 2:4 6:20 characterizes 165:9 charge 139:13,18,24 177:14 charged 150:25 151:18 152:4 charging 185:6 Charlotte 3:5 chart 5:19 111:15 112:3 cheaply 26:10 check 140:1 children 65:9,10 192:18 Chimerakis 4:12 6:9 choose 114:12 129:2 chose 128:24 129:1,6,6 Chris 186:11,16 Christian 5:12 9:14,22 chronological 183:22 circuit 67:25 199:7 circumstance 96:15,16 146:25 150:15,16,23 188:16 191:2 192:13 circumstances 17:19 17:20,23 18:13,14,17 18:23 21:2 25:12 27:3 29:25 31:6 32:21 33:6,17,25 60:12 84:23 90:21 91:13.15 127:13 132:5.7 142:13,24 143:22 149:16,21 150:10 153:14 158:14 158:20 160:20 162:11 162:14 165:9 168:4 173:14 177:19 179:16 183:9,16 186:1 191:23 193:14 213:12 circumstantial 140:8 142:10 146:12 citation 94:21 citations 56:3 95:12 cite 89:16 95:9,20 citing 220:15 civil 11:15 157:19 civility 107:4 claim 16:13 24:9,20 25:6,13,16 26:5,10,12 26:15 28:9 29:16,18 31:22 32:3,5 43:17,22 57:1,12,19 58:4 83:19 84:4 85:5 87:15 88:16,21 89:22 101:18 110:3,25 111:1,2,4,5,8,I1,22 111:25 113:1 114:10 114:24 116:24 117:11 117:17,21 134:3,5.7 136:8,21 153:22 155:10 158:20 171:22 172:7 173:8 177:5.18 180:17,20 181:5,6.25 182:25 188:15,18.19 189:3,13,16 191:7 194:10,16,20,21 198:11,11 201:16 209:17,20,23 210:7 211:1,4,19 213:1 214:2 claimant 128:21 129:12 129:20 133:15 134:11 135:4,9,10 150:2022 153:18 claimants 137:14 151:4 151:5 claimant's 130:11 claimed 109:25 claiming 16:11 177:15 claims 11:2,7,13,16,19 12:3,18 18:19,22,24 18:25 19:3,9,14 27:1 27:11,15,20 28:1924 29:11 31:1 32:19 33:10,23 34:7,10,19 37:18 47:9 57:6 62:5 62:10 65:5 80:11,22 82:10,12 83:3,9,10.21 84:2,11,22 85:7,10.10 85:16 87:14,20,21.23 88:3,4,5 96:21,25 97:17 98:25 99:1 104:12 109:18,23 115:10,17 117:3,7 123:21 125:4 126:7 136:22 153:6 155:1 161:11 169:23,24 172:17 174:2,3,9.21 174:23 175:12 176:4 176:6,8 178:11 179:14 180:6,8 187:21 189:1 192:7 192:11 194:4 197:11 198:3,18,24 199:5.7 199:10 200:2,7,10.10 OUELLETTE & MAULDIN COURT REPORTERS. 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(305) 358-8875 EFTA01124403 Page 5 200:15,16,21 201:5 207:13,24 209:11 210:10 211:12 212:10 213:3,15,15,22 216:9 clarification 175:2 class 13:7 classes 14:22,25 clause 175:1 clauses 16:8 CLE 12:8,16 13:19,22 14:21,25 21:19 29:7 31:8 clear 30:8 37:21 53:18 60:11,13 124:15 126:1 127:22 134:3 138:8 170:10 clearly 54:2 80:5 93:19 100:23 101:19 109:20 131:20 141:10 143:21 152:9 156:3,17 181:19 clerk 220:19 client 27:1 78:11,15,16 78:17,19 107:21 129:6 173:6 clients 192:4,4,5 213:14 213:21 climate 95:17 close 157:8 208:7 closely 84:10,15 Cohen 3:14 6:19 collateral 155:25 156:6 156:12,20 collaterally 156:19,19 colleague 6:18 collectively 83:5 88:5 215:10 Colonnades 26:4 color 71:21 72:3,10,24 75:7,11,18,20 204:20 come 28:5 58:25 59:8 59:10 61:1 74:1 102:6 166:7 171:9,13 174:25 182:12 comes 22:4 32:16 53:9 58:9,10 60:23 101:9 166:8,1! coming 59:2063:4 123:9 220:13 comingle 91:25 commenced 218:11 Commencing 1:17 2:21 comments 70:2,5 commission 94:16 98:24 99:10 100:19 101:1 131:10217:15 217:16 commit 82:11 89:20 93:13 94:6 98:5,22 99:10 115:5,12,14 174:22 committed 100:21 107:6 127:4 Committee 4:2 7:4 common 15:23 44:9 89:14 112:14 115:7 118:19 130:25 131:3 131:17 133:6,7,8,9,11 138:4,5,8 140:19,21 149:22 151:9,14,16 152:6,8,10 154:12 156:16,25 158:18 159:10 179:4 190:1 commonly 7:18 communicate 86:18 communications 34:16 92:19 132:14 community 32:1 company 25:14,25 26:1 26:5.6 compare 216:4 compared 194:16 compensate 31.18 32:7 compensated 206:5 compensatories 155:4 compensatory 18:12,14 58:14,15 97:19,19 150:10,17 153:22 155:18,23 156:13 183:1 185:16 189:19 191:8 192:9 201:8,10 201:18,20 204:2 205:21 207:1 210:4,9 211:2,6,8,21 212:3,12 213:5,25 complaint 34:22 39:17 48:13,20 56:22 64:11 69:3,3 70:6,13,18 71:19,22 76:15 88:17 88:18,18 92:8,9,16 93:25 101:14 103:7 110:5,9 111:6,9,14 112:5,6,6 113:17 116:8,11,12 118:2 119:13 127:6,7,11,23 127:25 128:2,10,11 130:16 142:17 143:3 175:21 199:23 complaints 34:11 56:20 completed 109:6,11 218:12 complexity 194:17 complicate 62:11 complicated 62:10 194:12 complicit 198:20 comply 114:6,19 204:11 components 210:4 compound 90:10 114:13 comprehensive 215:11 compromise 211:9,11 compromises 213:2 computation 156:13 conceal 64:4.20 concealment 64:23 conceded 210:20 conceivable 192:15 concept 181:7 193:7 concern 42:7 86:2 concerned 165:13 concerning 34:6 36:10 37:22 183:16 concerns 144:20 161.19 conclude 66:23 124:14 181.1 194:18 concluded 216:15 conclusion 57:11 170:1 concrete 25:21 condition 188:22 condone 145:12 conduct 19:13 44:20 50:4 53:23 54:2 61:1 65:23 72:5 73:3 89:4 91:8 101:11,13 107:7 117:18 123:6,15,25 124:9 125:11,14,15 125:17 129:10 132:18 132:19 133:14 134:14 134:16,17 135:11,13 135:20 137:1,2,5,12 137:23,23 141:20,21 143:20 145:13,14 146:2 147:24,25 150:12,21 151:4 153:17 155:5,15 157:16,22,23 161:9 162:2,6,10,25 163:2 169:8 176:3,11 177:18 178:6 216:4 conducted 21:21 23:12 38:20 42:8 53:10 91:20 108:21 109:5,9 109:10 141:10 conducting 140:3,4 164:24 confer 214:13 confirm 8:25 38:23 96:7.25 106:15 confirmation 17:3.5 215:17 confirmed 101:21 153:12 confirming 36:12 conflicting 185:4 conform 22:23 confused 113:13 200:22 connected 218:14 connecting 64:17 connection 29:8 36:14 36:21 88:9 103:11 173:7 174:18 177:10 186:7 195:3 197:15 203:3,4 CONRAD 3:21 conscious 134:15 consequence 12:12 46:21 50:20 51:23 57:8 84:8 88:13 89:6 153:25 158:9 172:15 200:24 consequences 171:15 consider 30:13 33:1 53:22 54:2 57:10 58:19 60:4 72:14 95:10 96:15 140:1 169:15 175:23 184:5 184:6 195:6 196:17 196:20,21 197:5,7,14 212:22 consideration 20:25 30:1,19 32:4 33:5 39:25 45:13 53:17 55:20,21 118:4 209:1 213:19 considered 47:7 97:5,8 148:8 213:22 consist 201:24 consistent 146:23 147:4 consists 205:22 conspiracies 133:12 conspiracy 5:19 82:11 83:12 88:4,9 89:25 90:12 95:6,7 98:25 99:19 100:4 101:13 110:25 111:12,4,5,8 111:11,15,22,24 112:11,24 113:1,3 114:10,24 115:10 116:24 117:21,25 118:20 120:13,17 127:19 129:21 130:1 132:17,22,23,24,25 133:2,16 134:17,19 141:24 142:4,5,11 151:21 152:6 163:4 166:6 170:8 173:17 173:23,25 174:22 180:19 197:25 conspirator 117:14 131:7,12 150:24 conspirators 151:25 conspire 89:19 98:5,22 99:9 100:19,25 133:17 conspired 87:16 151:5 conspires 151:23 conspiring 85:3 93:13 94:6 131:6,9 200:3 constituted 134:15 137:13 constitutes 147:8 Constitution 16:9,10 constitutional 16:4,6 16:18,19 33:2 52:21 constitutionally 133:10 constructive 177:22 construe 158:25 construed 131:1 151:10 151:15 152:8 158:16 158:17 173:18 construing 151:13 consult 214:10 consumers 158:13 CONT 4:1 contact 90:9 92:4,18,19 92:22,22,25,25 93:2,4 94:5,17 95:1,18 119:4 122:10,12 132:14 164:2 166:7,25 203:24,25 contacts 93:15,22,24 94:1 contained 14:3,6 77:8 122:6 contend 66:2,4 contention 136:5 192:12 contents 79:7 163:19 contested 172:20 183: I 1 context 24:8 31:25 34:25 43:5 48:17 50:18 56:14 134:16 136:14 148:20 174:2 174:3 176:16 180:1 180:19 182:24 184:8 190:6 191:21 196:18 211:6 contingency 188:13,15 continuation 61:17,18 continue 49:11,13,19 62:11 65:17,19 66:1.2 66:3 178:5 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(305) 358-8875 EFTA01124404 Page 6 68:21,22.25 76:5,5 162:21 continuing 13:6 62:18 214:1 contracts 192:3 contradicts 164:16,18 contrary 110:8 165:18 contribute 195:7 contributed 137:13 contributes 90:18 control 218:17 controlled 130:2 controls 124:7 convenient 60:10,13 66:16 67:12 conversation 168:5 conversations 36:8 163:20,23 convey 60:10 207:23 209:3 convinced 26:6 convincing 124:15 126:2 Cooke 40:8,9,23 45:4 78:21 Cooke's 40:25 45:3 copies 8:20 9:1 23:5 40:18 106:1 165:1 219:22 copy 7:23 9:21,23 18:3 48:1 68:5 124:23 168:18,20 204:20 220:13 Coquina 41:8,11 44:16 44:24 59:20 60:24 63:14,15,25 121:24 122:3,5,9,11,13,15,22 131:21 146:3 154:22 164:1 166:11 167:1,7 177:6,8,12,22 180:1,7 180:9 187:17 203:4 203:16,24 204:1,8,12 204:15,22,25 205:7 205:17 206:12,17 Coquina's 63:16 corner 186:18,21 corporate 36:10 137:7 137:8,25 138:9,14,25 139:2,5 140:2,9 141:4 141:8 143:17 188:6 188:25 189:2 corporation 137:11 138:6 139:7,10,16,20 140:10 188:7 correct 8:13,17 9:24 10:12 11:7 21:6,7,10 21:22 34:7,8 37:23 38:8,15,25 39:17,18 39:20,21 52:19 56:23 57:3 58:11 60:7,18 61:2,3 63:1 64:12 69:24 70:4,8 75:7,25 77:5,6,10 82:6,14,15 82:18 83:9 85:19 86:25 87:1 88:22 89:23 96:2198:8 102:25 104:1 110:20 114:12 115:6 116:2 124:23 125:8,15,16 125:19 126:4,7,12 130:3,4 133:20,24 134:2,4 136:18 144:8 149:9 157:9,12 159:6 164:2,3,4 168:24 169:24 171:3,7,14 173:22 174:11 175:5 179:6 182:19,23 184:17 185:5 186:19 187:4,18,19 188:4,9 189:4 190:3,4,24 194:1,7,25 197:9 198:20 203:5,22 210:6 211:21 215:14 218:9 219:23 corrections 220:15 corrective 61:16 195:13,18 196:18 correctly 204:5 corroborated 36:2 39:25 175:22 cost 206:1 costs 32:4,9 205:25 counsel 6:11 7:6 39:20 51:9,16 69:24 70:3,12 71:17,20 72:2,8,12,13 72:22 75:6 79:7,20 108:1 147:11,16 163:21,24 166:7,14 166:19,23 167:1,3,5,8 167:10,13,24,25 168:2,5,24 174:17,17 178:23 179:1 202:17 218:13,14220:13 counsel's 72:1,3 141:7 167:18 counting 82:22,24 County 13:11 15:2,3 187:12 217:3 218:3 couple 37:4 101:7 118:15 135:8 143:3 164:7 course 12:7,20 24:13 27:12 28:14 51:10 54:2 69:12 83:11 93:3 108:11 113:24 118:17 132:21 133:14 147:3,25 157:16,22 157:23 161:9 162:2,6 162:10,25 163:2 175:5 courses 12:8,10,16,18 12:22 21:19 court I:1 2:1 6:7,8 20:19,20,25 24:24 29:4,9,12 30:13,23 34:1240:1,241:13 45:1,2 46:22 47:15,16 49:2,15,17 56:6,16,19 57:2 60:4 67:25 107:10 123:17 131:22 177:10 187:2,4,5,8 195:2 197:13 199:7 220:1,19 courtesy 215:19,21 courts 78:14,16 132:2 182:12 court's 179:10 cover 43:11 44:5,12 51:11 53:16 54:17 59:4 72:5 covering 215:11 coverup 46:11 51:19,21 53:2 61:18 64:24 69:6 72:15 75:14,25 76:4,4,5,6,9,13,20,22 76:25 148:18 co-conspirators 132:19 151:1,10,22 198:20 Craig 165:2 167:10 create 184:20 created 112:19 credibility 120:3 credible 119:25 120:2 Creditors 4:2 7:4 crime 53:7 criminal 11:15 44:11 53:5,12 84:6 152:1 194:9,15,20 criteria 137:3,4,10 138:1 critical 181:17 crossed 164:5 CROSS-EXAMINA... 5:4,5 173:2 216:1 cross-examining 188:2 crushed 25:23 culvert 25:23 culverts 25:22 current 16:16,23 58:12 170:4 187:11,11 currently 23:6 57:6 Custom 4:12 6:9 customer 69:17 98:1 customers 97:22 98:4 100:13 c%220:4 D D 5:1 25:16 26:2 damage 11:2 16:24 18:12.14,24,24 21:22 23:11,13,24 24:9,12 27:1 31:22 32:3 33:4 43:17,22 46:4 56:25 61:19 80:11 97:16,20 101:18 127:8 129:11 129:19 130:10,22 150:10,17 162:12 167:7 172:6 190:23 191:1,7 197:13 199:6 201:10 208:24 209:17 210:10211:1,4 212:6 214:2 damaged 63:14 202:23 206:22 207:10 damages 11:7,13,13,16 11:18 12:3,9,11,17,25 13:1 15:1,10,23 16:3 16:13,18 17:8,16,17 19:14,17,21 20:14 21:20,23 22:7,11,14 23:2,22 24:4,6,20 25:6 27:10 28:9,12,19 28:23 29:11,13,16,18 30:2,3,10,14,20 31:1 31:12,15,17 32:7,11 32:19,23 33:18 45:14 45:25 46:12 48:14 53:19 56:15 57:1,6,12 58:4,15,16,19,21 59:9 59:11,24 60:5 61:2,5 61:7,17,20 62:23 66:7 75:23 88:22,25 91:22 102:17 103:6 123:15 123:21,24 124:4,8 125:4,10 130:2,6 132:4,11 133:3 134:8 134:12,20 135:4,9 136:18 148:9 149:9 149:13,18 150:24 151:11 153:23,23 155:19,21 156:13 157:2,14,19,21 158:12 160:20 161:21 162:1,4,10,19,25 169:23 170:23 171:22 171:23 172:7 176:10 176:11 177:21 181:18 181:21,23,25 182:23 183:2,4,7,9 185:11,12 185:17,18 189:10,12 189:13,22 190:7 191:15,22 192:9,10 193:11,18 194:21 195:10,12,15 196:19 198:22 201:3,8,11,23 202:2,16 204:2 205:21 206:13,19 207:1 208:22 209:11 209:15,20,22 210:4,7 210:20 211:6,8,17,19 211:21,24 212:3,10 212:23 213:5,5 214:4 214:6 216:5 date 6:1 13:13 64:13 112:13 116:15 117:9 118:9 159:17,25 192:19 219:25 220:17 dates 12:21 63:8 117:5 David 3:10 7:5 day 61:21,22 67:9,10 96:10 217:9 218:19 DCA 148:1 DD 217:15 de 3:18 220:5 deal 12:17 16:2 46:1 55:24 96:13 144:7 dealing 12:10 15:8 77:13,14 185:14 dealt 12:9 41:2 50:17 50:19 51:2 55:8 133:21 144:6 216:6 Dean 4:12 6:9 Debtors 2:7 deception 131:14 177:16 181:10 decide 73:15 182:6 decided 213:15 deciding 66:6 213:19 decision 81.5 decisions 96:11 139:1,3 140:6 155:7 declare 219:23 deemed 139:6 defect 158:1,12 defects 158:2,3,4 defendant 52:22 53:12 95:2 134:13 150:19 155:8 157:19,20 162:11,13 183:10 188:3,7,12 defendants 101:10 104:8 116:8 121.7 188:21 defendant's 134:13 150:21 153:17 183:5 defended 173:11 defense 147:4 159:8 173:7,10 177:13,14 179:17,24,25 180:2,2 OUELLETTE & MAULDIN COURT REPORTERS. 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189:3 evaluations 189:1 evaluative 28:15 even 44:20 54:4 64:25 71:14 75:20 118:8 152:14 173:14 ever 23:23,25 24:2,3,6 24:18 25:4 26:25 39:2 44:9 62:25 77:19 91:4 94:10 129:23 135:23 162:12 171:21 173:6 188:11 188:22 194:9 203:12 every 62:12 96:10,13 102:8 103:1 104:1,8 104:20 186:12,23,24 188:6 198:1,2,15,18 everyday 96:18 everyone 120:18 131:13 everything 23:3 73:19 77:1 128:1 214:25 215:3 evidence 32:20 33:10 33:15,16,19,21,22 34:3 38:22 43:19 46:11 51:4,5,6,7,8,10 51:16 52:12,17,19 53:6 58:9,10,21,24 59:2,16,19 60:23,25 61:6,24,25 62:2,21 63:4 64:19 72:4,7,20 74:8 88:2 109:16 119:7,18,19,20 124:15 126:2,23 127:24 128:3 130:13 130:15,20 140:8 142:10 143:24 144:23 146:12,15,18 148:7 148:24 166:11 170:15 171:16 172:18 180:25 180:25 184:16,17 188:8 196:8 197:14 198:14 199:1 evolving 11:22 exact 170:25 exactly 102:18 103:1 120:15 153:14 170:18 198:18 EXAMINATION 5:4 7:12 examined 7:10 examining 188:2 example 63:11 127:1 134:22 184:23 185:1 192:1 193:15,20 exceeded 206:3 except 11:23 31.2,7,19 35:15 138:6 154:22 164:4 215:16 exception 53:5 148:2 150:1 198:5,6,21 exceptions 149:20,21 excess 205:9,14,17 206:25 207:5,6 Exclude 206:1,1 excluded 59:5,7,16 exclusion 51:3 59:13 exclusive 206:14 exclusively 137:22 159:3 excuse 82:1 125:9 184:24 executed 166:2 executives 141:8 exercising 139:9 exhibit 5:11,12,13,15 5:17,18,19,20,21,22 5:23 7:20,20,21 9:13 9:14,18,20,21 10:9 47:18 48:3,7 56:4 68:3,3,8 69:15 70:22 71:1 78:23 79:1,5 81:14,15,17,19 87:4 111:15,19,23 121:20 124:1,18,19,20,23 132:21 148:25 149:3 163:9,10,12,16 168:7 168:7,9,11 169:21 exist 14:16 203:22 existence 129:23 136:9 209:11 210:7211:18 existing 96:12 exists 88:8 185:3 expect 39:2 112:24 182:4 215:1 expedite 114:17 expediting 114:18 expended 81:20 expenses 206:7 experience 11:14 12:4 12:13 24:1126:9 50:20 114:1 135:23 173:19 178:22 187:5 216:10 experienced 172:19 expert 5:17 10:15,22 11:12,18 12:2 23:21 23:24 24:4,7 25:5 26:13,25 28:12 73:24 78:24 79:2,10 82:5 86:8,17,24 87:10,12 96:6,20 103:4,12 110:13 111:10 112:2 112:7,18 113:20 169:21 174:14 182:25 183:6 190:20 192:6 expertise 11.3,22 12:14 27:9,24 156:4 200:13 experts 158:10 182:21 183:1 Expires 217:16 explain 83:24 125:2 142:13 157:17 193:6 explained 105:3 explicitly 133:9 exposed 134:16 135:12 135:20 exposing 193:25 exposure 189:20 208:25 express 11:1,4 101.16 144:2 191:14 212:20 213:4 215:13,15 expressed 18:15 115:2 119:17 149:23 160:19 191:6 201:19 215:8 expressing 16:16,21 128:15,19 215:7 expressions 189:7 expressly 22:21 extend 131:20 extended 37:19 91:2A 115:19 146:13 extensive 23:1 104:21 extent 14:11 27:12 31:8 31:19 33:6,24 34:15 34:22 35:10,15,18 43:1147:4 53:2 64:5 64:24 65:1 77:12 81:7 84:19 100:20 101:15 103:8 105:3 115:18 116:18,20 133:8 149:19 155:22 158:23 165:11 171:17 176:16 180:14,21 203:19,20 extra 106:10 168:18,20 extremely 44:8 213:22 eye 144:19 eyewitness 110:12 e-mail 106:3,4 107:22 F face 208:21 faced 62:21 214:7 facilitated 93:4 facilitation 199:21 fact 25:9 33:7 86:14 87:22 95:22 107:23 109:4,8 110:6 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10:15,21,22,23 Fifteenth 4:7 figure 117:24 212:20 figured 181:2 file 183:13 Med 46:15,19 60:18,21 63:6,10,15 64:11 67:24 79:22 80:25 82:5 117:11 127:2 174:17 177:12,12 196:5 198:24 220:19 files 23:9,10,11 fling 5:17 64:13 78:24 79:2 86:9 174:14 194:20 fill III:20 113:21,23 final 79:7,8 finally 62:13,23,25 financial 91:24 150:12 187:25 188:3,11,17 188:22,22,25 189:2,8 194:2 213:17 financially 218:14 fmd 14:11 31:4 33:18 63:9 67:12 96:1 177:20,21 193:17 220:14 finder 33:7 finding 78:21 89:10 findings 143:25 finds 61:4 fine 8:24 66:19,25 193:4 finish 74:3 208:10 finished 186:21 finishing 174:25 firm 10:3 27:17,18,21 85:8,8 198:17 199:20 199:21 firm's 27:19 first 5:15 33:9 58:16,22 59:1,10,14,21 60:16 60:18,21,22,22 61:4 67:22 68:5,6,8,12 80:6,25 83:24 95:24 110:23 114:22 121:21 125:13,19 126:20,21 127:2,21 151:23,24 151:24 168:2 169:5 178:16 192:23 202:19 203:1 218:7 five 13:14,18 65:9 75:3 87:5 100:17 112:14 145:19 five-minute 36:25 118:14 145:19 Flagler 220:1 flipping 71:3 Floor 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73:12 219:21 forwarded 220:19 found 26:4 55:25 78:20 foundation 84:20 four 18:13 99:24 112:13 150:16 155:4 212:15,16 Fourth 148:1 FPR 4:11 217:14 218:21 220:23 Frank 119:2,21 120:5 121.6 126:24 127:4 167:16 fraud 82:11,11 85:4 87:16,18 89:20,21,25 90:1,13 93:5,13,14 94:6,16 98:6,23,24 99:10,11 100:19,20 100:21,25 101:1,12 115:12,13,15 127:20 130:19 131.6,10 133:18 135:21 142:11 142:12,15,25 160:10 169:18 174:2,3,7,9,21 174:22 177:14,18,21 180:12,14,17,20,22 180:23 184:11 198:7 201.22,23 202:2,6,24 206:23 207:10 frauds 173:24 fraudulent 91:24 92:3 93:11 98:11 106:4 107:7 108:7 115:15 169:6 176:19 177:23 184:7,15 fraudulently 109:25 frequent 27:11 183:6 frequently 55:24 60:13 161.21 174:10 183:4 183:10 186:2 194:25 Friday 220:12 Friedman 3:7 6:18 friend 77:21 from 6:25 10:3 15:17 15:22 20:8 23:10 32:24 35:2,14,19 36:7 39:9 40:3,10,22 41:14 41:17 42:3 44:13 46:5,17 47:8 48:19 51:8 56:20,21 57:20 67:13 70:3,7,10,12 71:1 77:15 78:5,5,13 85:10,17 106:5 108:3 111:9,14 121:7,14 122:14 133:18 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