Category Archives: Accountability

To Brad Hewitt Thrivent Financial for Lutherans, Request for mediation based on startling new evidence, Request you examine August 10, 2018 letter senior claims examiner sent to NC Insurance Commission

To Brad Hewitt Thrivent Financial for Lutherans, Request for mediation based on startling new evidence, Request you examine August 10, 2018 letter senior claims examiner sent to NC Insurance Commission

“We ended the year with a total adjusted surplus of $ 4.6 billion.”…Thrivent Magazine spring 2010

“Most private consumer lawyers are very reluctant, or completely unwilling, to
represent clients in a system that they believe is rigged against consumers.
Unlike the banking industry lawyers, consumer lawyers generally only get
paid if they win cases. Many of them have a reasonable, earned distrust of
forced arbitration, and extensive surveys of consumer lawyers consistently
show that most will walk away from a case rather than go to arbitration.”…CFPB study May 18, 2016

“Thrivent contends that its commitment to individual arbitration is ‘”important to the membership because it reflects Thrivent’s Christian Common Bond, helps preserve members’ fraternal relationships, and avoids protracted and adversarial litigation that could undermine Thrivent’s core mission.’”…Thrivent v. Acosta Nov. 3, 2017

 

I have in my possession startling new evidence which explains the “Alice in Wonderland” responses and requests I received from Thrivent personnel and agents during the processing of my disability claims.

I am requesting that you examine the letter your senior claims examiner sent to the NC Insurance Commission on  August 10, 2018 and take the appropriate actions.

If I were in your shoes, after examining and reviewing the evidence, I would immediately issue an apology and make reparations.

In the absence of those Christian responses, I am requesting again that we proceed to mediation instead of Thrivent’s insistence on perceived authority to mandate binding arbitration.

Prior to my receipt of the new evidence, I requested that we proceed to mediation in a letter I wrote to Thrivent dated June 11, 2018:

“I was informed that the appeal process was reopened after the mediation session of February 2017. This was the result of a discussion between my attorney, attorney Wayne Luck and the mediator, Mr. Gwyn. Mr Gwyn passed away over six months ago. Recently my attorney filed a lawsuit and Thrivent reiterated that we are bound by the MDRP process. My recommendation is that we go to the next step following appeal, Mediation.”

In that letter I went into much detail about the fact that the first mediation was improperly conducted.

Response from Thrivent’s outside attorney July 12, 2018.

“You asked to be informed if “there is a change of heart or philosophy.” Based on the facts as Thrivent now understands them, it will not change its position regarding mediation.”

Based on the premise: “Fool me once, shame on you. Fool me twice, shame on me.”

If Thrivent had treated me squarely, with concern for me as a member and human being, I might have embraced arbitration.

On August 9, 2018, Thrivent’s current outside attorney sent the following:

“Please know that Thrivent’s hope in commencing arbitration is that your long-standing dispute with the Society can be resolved with finality, which is to the benefit of you and Thrivent alike.”

Seems sincere, right?  I have no ax to grind with the attorney at this point. He is acting on Thrivent’s information and instructions.

The next day, August 10, 2018, the letter from Thrivent’s senior claims examiner perpetuates (and explains) the “Alice in Wonderland” position and uses that bizarre explanation to attack me.

So much for sincerity.

I sent the following to the attorney on August 22, 2018:

“Thrivent may or may not have informed you of their response to the NC Insurance Commission query regarding my complaint.

[Redacted] of Thrivent sent a 6 page response dated August 10, 2018.

Since you are the newest and therefore most “innocent” player in this controversy, represent Thrivent in some capacity, an officer of the court and bound by the ethics of the NC Bar, and, because I believe it is the right thing to do, I am giving you a heads up.”

I have also learned a great deal about arbitration and its mandatory use in insurance policies.

The following aspects are problematic:

1) This matter could have been cleared up years ago, in a courtroom or simply by representation from an attorney with the specter of going to court a possibility.

2) Thrivent maintained that we were bound by their MDRP, Member Dispute Resolution Program, which they enacted retroactively.

  • My policy was taken out in 1985. Litigation was permitted.
  • Thrivent changed their bylaws in 1999.
  • Thrivent made this change retroactive. State law allows as long as contract benefits are not diminished or destroyed.
  • I increased my coverage in 2000. This bylaw change was not presented to me nor did I agree to it.
  • Notification after my claim in 2009 that I was bound by the MDRP was unjust and diminished my contract benefit.
  • Most attorneys will not take on clients with mandated arbitration contracts on a contingency basis. I discovered that personally.
  • Thrivent, via outside attorneys, kept changing their position on arbitration. This, along with other tactics, led to my loss of legal representation.

 

3. The NAIC, National Association of Insurance Commissioners, on August 15, 2016 stated:

“Why arbitration clauses should be banned”

“If arbitration was truly a neutral forum rather than one favoring insurers, then there would be no need for an insurer to insist on its use before a dispute has even arisen.”

https://www.naic.org/documents/cmte_d_predispute_arbitration_wg_exposure_kochenburger_and_bridgeland.pdf

4. The North Carolina Consumers Council states:

“The problem comes with mandatory or forced arbitration where you are giving away your legal rights if the arbitration process doesn’t work in your favor. Companies have the advantage in arbitration and want you to go through the arbitration process.”

https://www.ncconsumer.org/news-articles-eg/mandatory-arbitration-clauses-are-everywhere-but-arent-good-for-the-consumer.html

5. National Association of Consumer Advocates June 23, 2012: “According to NACA’s survey of nearly 350 consumer attorneys, it is clear that private arbitration does not compare at all well to our nation’s traditional justice system. Consumers have lost the opportunity to assert their rights under many state and federal consumer protection statutes because of pre-dispute binding mandatory arbitration.”

https://www.consumeradvocates.org/sites/default/files/NACA2012BMASurveyFinalRedacted.pdf

6. CFPB study May 18, 2016: “Most private consumer lawyers are very reluctant, or completely unwilling, to represent clients in a system that they believe is rigged against consumers. Unlike the banking industry lawyers, consumer lawyers generally only get paid if they win cases. Many of them have a reasonable, earned distrust of forced arbitration, and extensive surveys of consumer lawyers consistently show that most will walk away from a case rather than go to arbitration.”

https://financialservices.house.gov/uploadedfiles/hhrg-114-ba15-wstate-pbland-20160518.pdf

7. Arbitration, lacking the protections of litigation, is binding.

I have tried repeatedly to resolve this injustice and have reached out with an olive branch, which was difficult given what has transpired and the impact on my life.

Mr. Hewitt, in the Citizen Wells article of July 30, 2018 I appealed to you to investigate my case since I believed that you and management have been misinformed.

I also conveyed an attempt I made with your attorney to make lemonade out of lemons:

In a recent email I sent to your outside attorney I stated:

“We appear to be at an impasse.

I am an expert on business & business systems. Over 30 years experience, with customers with $ 5 million to over a billion in sales.

I represented 3 companies in Manhattan.

My proposal:
Take this out of the legal/adversarial mode.
Hire me as a consultant to explain what happened and to prevent it from happening again.

They tout the MDRP program as benefiting the members and representing their core Christian values.
What better way to exemplify it than to create a win win situation, heal our wounds & to fix any problems in the system.

I am certain a bible verse applies.”

Response from Thrivent outside attorney June 29, 2018:

“As to your offer to serve as a consultant, we appreciate your creativity. Thrivent, however, is constrained by the MDRP program, and hiring you is simply not an option. ”

Our options are narrowing.

Wells

 

More here:

https://citizenwells.com/

http://citizenwells.net/

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President Trump: embrace Julian Assange Wikileaks, Sessions perpetuated Obama Justice Dept. narrative and prosecution, “I love WikiLeaks!”

President Trump: embrace Julian Assange Wikileaks, Sessions perpetuated Obama Justice Dept. narrative and prosecution, “I love WikiLeaks!”

“Mr. Trump, tear down that wall. That wall between false narrative and truth. Let Julian Assange speak and listen.”…Citizen Wells

“And if all others accepted the lie which the Party imposed
–if all records told the same tale–then the lie passed into
history and became truth. “Who controls the past,” ran the
Party slogan, “controls the future: who controls the present
controls the past.”…George Orwell, “1984″

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells

 

President Trump, in 2016 you stated “I love WikiLeaks!”.

Your supporters, including me, love Wikileaks too and need the real journalism it supports.

From Zero Hedge October 15, 2018.

“Ecuador has partially restored Julian Assange’s communications in their London Embassy after UN officials met with Ecuador’s president, Lenin Moreno on Friday, reports the Belfast Telegraph.”

“Mr Assange had critically reported on the Trump administration’s involvement in Yemen and Spanish police brutality. High level representations were made by the Trump administration and the Spanish government over Mr Assange, who was given political refugee status by Ecuador in 2012 over US attempts to prosecute him.

“The Trump administrations stepped up efforts to prosecute Mr Assange after WikiLeaks published the largest leak in the history of the CIA last year.”

Read more:

https://www.zerohedge.com/news/2018-10-14/ecuador-restores-julian-assanges-internet-phone-and-visitation-privileges

From The Guardian April 20, 2017.

“Arresting Julian Assange is a priority, says US attorney general Jeff Sessions”

“The arrest of WikiLeaks founder Julian Assange is now a “priority” for the US, the attorney general, Jeff Sessions, has said.

Hours later it was reported by CNN that authorities have prepared charges against Assange, who is currently holed up at the Ecuadorian embassy in London.

Donald Trump lavished praise on the anti-secrecy website during the presidential election campaign – “I love WikiLeaks,” he once told a rally – but his administration has struck a different tone.”

“Republican politicians expressed fury at the time, accusing Assange of treason, and Trump himself told an interviewer: “I think it’s disgraceful, I think there should be like death penalty or something.”

All that changed during the election when WikiLeaks published emails acquired via Russian-backed hackers from the Democratic National Committee and Hillary Clinton’s campaign. Trump and his associates seized on the revelations, citing them with relish during speeches, prompting accusations of cynical opportunism.

Now in power, their attitude seems to have reverted to Republican orthodoxy. In a speech last week in a speech at the Center for Strategic and International Studies in Washington, the CIA director, Mike Pompeo, said:“It’s time to call out WikiLeaks for what it really is: a non-state hostile intelligence service often abetted by state actors like Russia.””

Read more:

https://www.theguardian.com/media/2017/apr/21/arresting-julian-assange-is-a-priority-says-us-attorney-general-jeff-sessions

From Reuters August 9, 2018.

“WikiLeaks founder Julian Assange, who has been holed up in Ecuador’s London embassy for six years, is considering an offer to appear before a U.S. Senate committee to discuss alleged Russian interference in the 2016 U.S. election, his lawyer said on Thursday.

WikiLeaks published a letter from the U.S. Senate Intelligence Committee on Wednesday which asked Assange to make himself available to testify in person at a closed hearing as part of its investigation into whether Moscow meddled to help Donald Trump win the 2016 presidential election.

Russia rejects the claims and Trump has denied any collusion.

“The U.S. Senate Select Committee request confirms their interest in hearing from Mr Assange,” lawyer Jennifer Robinson said in a statement.”

Read more:

https://www.reuters.com/article/us-britain-ecuador-assange/assange-considering-offer-to-appear-before-u-s-senate-committee-lawyer-says-idUSKBN1KU1MR?il=0

If necessary can Sessions.

Embrace Assange and the truth.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

 

 

Amerige quits facebook, Denounces “intolerant” culture, Quick to attack anyone  opposing left leaning ideology, 5 Murrows to Amerige, 5 Bozos to Facebook

Amerige quits facebook, Denounces “intolerant” culture, Quick to attack anyone  opposing left leaning ideology, 5 Murrows to Amerige, 5 Bozos to Facebook

“And if all others accepted the lie which the Party imposed
–if all records told the same tale–then the lie passed into
history and became truth. “Who controls the past,” ran the
Party slogan, “controls the future: who controls the present
controls the past.”…George Orwell, “1984″

“And you shall know the truth, and the truth shall set you free.”…Jesus, John 8:32

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells

 

From Business Insider.

“Brian Amerige, the Facebook engineer who sparked a firestorm at Facebook with his criticism of what he called a “political monoculture” that is “intolerant” of conservatism, is leaving the company.

In an internal message to fellow employees on Wednesday, Amerige wrote: “These problems can be solved — just not by me, not any more, at least. I care too deeply about our role in supporting free expression and intellectual diversity to even whole-heartedly attempt the product stuff anymore, and that’s how I know it’s time to go.”

In the message, seen by Business Insider, he said he is starting a company with his friend “at the intersection of applied philosophy epistemology, specifically) and technology.”

Silicon Valley, the heart of the American tech industry, is largely liberal, and has been fraught with allegations of bias in Trump’s America.”

“In August 2018, Amerige, who identifies politically as objectivist, wrote an internal memo decrying what he described as the Silicon Valley’s company’s “intolerant” culture. “We are a political monoculture that’s intolerant of different views … we claim to welcome all perspectives, but are quick to attack — often in mobs — anyone who presents a view that appears to be in opposition to left-leaning ideology,” we wrote.

His writing subsequently sparked an internal group, “FB’ers for Political Diversity,” where hundreds of conservative employees protested the company’s practices. Posters promoting the group and attacking the “outrage mob” appeared around campus, and debates among employees have broken out across Facebook Workplace over the company’s approach to politics.

There have also previously been some incidents in which Facebook employees have refused to work with or talk to certain colleagues because of their political beliefs, an employee previously told Business Insider.

Amerige’s last day will be on Friday, he wrote in his message. “I’ve been thinking about this for almost a year, and though a certain leak delayed me a bit, I know it’s time for me to move on,” he wrote. “I’m not leaving because ‘it’s time for something new.'””

Read more:

https://www.businessinsider.com/brian-amerige-facebook-engineer-who-criticised-intolerant-culture-leaves-2018-10?r=UK&IR=T

For boldly doing the right thing Brian Amerige is awarded 5 Murrows.

For boldly doing the wrong thing Facebook is awarded 5 Bozos.

 

Donald Trump is proven right again!

God bless Mr. Amerige.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

 

Kathy Manning & husband Randall Kaplan huge Clinton supporters, Hosted 2015 Hillary fund raiser, Out of state donors support her, Misleading ads

Kathy Manning & husband Randall Kaplan huge Clinton supporters, Hosted 2015 Hillary fund raiser, Out of state donors support her, Misleading ads

“the Democratic Party overlooked the ethical red flags and made a pact with Mr. Clinton that was the equivalent of a pact with the devil. And he delivered. With Mr. Clinton at the controls, the party won the White House twice. But in the process it lost its bearings and maybe even its soul.”…Bob Herbert, NY Times February 26, 2001

“Let me tell you something. They were all over that woman,” Schippers told NewsMax.com. “And it was the type of stuff we ran into with the outfit (the Chicago mob). Intimidation just by watching her, making their presence known. … Just to let her know ‘We can do what we want.’ ”…David Schippers

“Hi. I’m Juanita Broaddrick. And I’m here to support Donald Trump. I tweeted recently — and Mr. Trump retweeted it — that actions speak louder than words. Mr. Trump may have said some bad words, but Bill Clinton raped me and Hillary Clinton threatened me. I don’t think there’s any comparison.”…Juanita Broaddrick, rape victim

 

Kathy Manning is running for congress in North Carolina’s 13th district.

She and her husband Randall Kaplan are Democrats and attorneys as well as having multiple business interests.

She claims in her ads “I’ll vote against Nancy Pelosi for speaker”.

Once again, a picture is worth a thousand words.

 

Kathy Manning and her husband Randall Kaplan are huge Clinton supporters.

So huge that they hosted a big dollar fund raiser for Hillary Clinton in 2015.

Kathy Manning also states “I’ll only answer to you.”

Which you is she referring to?

Her opponent Ted Budd tweeted on August 30, 2018.

“Most of Kathy Manning’s support is coming from out-of-state liberal donors,”

Is this true?

From the News & Observer.

“U.S. Rep. Ted Budd and his Democratic challenger, Kathy Manning, had raised almost $3.1 million combined in their congressional race in North Carolina’s 13th district as of June.

Manning has outraised Budd by almost $800,000 according to the Federal Election Commission.

Budd has said on social media that most of Manning’s donors live outside of North Carolina.”

“Based on information from the FEC and Open Secrets, run by the nonpartisan Center for Responsive Politics, it does in fact appear that most of Manning’s donors are not from North Carolina.”

https://www.newsobserver.com/news/politics-government/article219043855.html

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

 

Thrivent Financial for Lutherans “Code of Conduct” vs my claims experience, “Though I speak with the tongues of men and of angels, and have not charity”

Thrivent Financial for Lutherans “Code of Conduct” vs my claims experience, “Though I speak with the tongues of men and of angels, and have not charity”

“Though I speak with the tongues of men and of angels, and have not charity, I am become as sounding brass, or a tinkling cymbal”…1 Corinthians 13

“We ended the year with a total adjusted surplus of $ 4.6 billion.”…Thrivent Magazine spring 2010

“How might my behavior be perceived if it appeared in social media feeds, on the news or in tomorrow’s headlines?”...Thrivent’s latest “Code of Conduct”

 

I recently received a “gift” from the NC Insurance Commission regarding my claims with Thrivent Financial for Lutherans.

This “Rosetta Stone” reveals the “Alice in Wonderland” protocol and subsequent treatment of me and my claims.

I have a code of ethics.

First and foremost, I do not lie. I do not misrepresent the policy provisions or claims information.

Thrivent has indicated that they do not like what I have written. They have threatened me with legal action.

I gave Brad Hewitt, Chief Executive Officer a heads up in a Citizen Wells article dated July 30, 2018.

I gave their outside attorney a heads up in an email dated August 22, 2018.

I am prepared to move forward with the truth.

Below are some relevant highlights from Thrivent’s “Code of Conduct” from several years ago.

“How would my action look as a headline in tomorrow’s newspaper?” from Page 4 seems relevant.

Page 2

“Just as The Thrivent Way encourages all of us to be trustworthy in character and competence, our Code of Conduct helps us live out and demonstrate the principles of The Thrivent Way. Thrivent’s Code of Conduct helps guide our actions and choices.

At its core, the Code of Conduct boils down to common sense—treat others with
respect, follow the law and adhere to Thrivent policies and expectations. It’s a simple concept that helps us best serve our members and society.”

Page 4

“The Thrivent Way

Our mission, vision and values
We are a membership organization of Christians, and our members are our owners. Our purpose is to serve our members and society by guiding both to be wise with money and live generously.
We believe that all we have is a gift from God and that generosity is an expression of faith.
We succeed when our members, their families and their communities thrive.
We value our relationships, so we will:Be trustworthy in character and competence,
and Act like owners and treat each other as owners, and Live balanced and generous lives.”

“Thrivent Financial is dedicated to acting in the interest of our member-owners.
Ethics matter, and we expect everyone acting on behalf of Thrivent to know and
understand our Code of Conduct and follow its principles.”

“Making the Right Decisions

Our Code highlights key principles that guide our behavior at Thrivent, but it can’t address every ethical situation. In those cases, use your best judgment to make the right decision or seek guidance.

Consider these questions before you act:
• Does my action conflict with The Thrivent Way?
• Is it legal?
• How would my family or friends view my behavior?
• How would my action look as a headline in tomorrow’s newspaper?
• Could my behavior harm Thrivent’s reputation?”

Page 13

“Know the Signs of Fraud
Fraudulent activities are known to have occurred in most companies.
Although most people have honest intentions, it’s in our best interest
to remain vigilant and help prevent fraud by understanding the common
signs of fraudulent behavior.”

“Misrepresentation related to an application or claim.”

Page 14

Fraternal Status
To protect our fraternal heritage and maintain our fraternal status, Thrivent will follow the federal and state requirements applicable to fraternal benefit societies.
We will not inappropriately utilize our fraternal status to competitive advantage.

Thrivent’s latest “Code of Conduct.”

http://cdn.coverstand.com/37774/271455/0b8f1921bcfd7ec219a6e30e93157d88675a9955.62.pdf

Note the latest version states:

“How might my behavior be perceived if it appeared in social media feeds, on the news or in tomorrow’s headlines?”

Once again I present to Thrivent:

“Those who use the sword will die by the sword.”…Matthew 26:52

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

NC insurance issues, Hurricane Florence ramifications, Mandatory arbitration impact, Most have no flood insurance, My disability claims impact

NC insurance issues, Hurricane Florence ramifications, Mandatory arbitration impact, Most have no flood insurance, My disability claims impact

“pre-dispute mandatory arbitration provisions are inappropriate in insurance policies and incompatible with the legal duties insurers owe policyholders when handling their claims.”…NAIC, National Association of Insurance Commissioners, August 15, 2016

“Companies don’t want to go to court because it puts them on a level playing field. Courts are ruled by law, legal precedent, and legal discovery, which allows litigants to obtain information and evidence from their opponents or from third parties. Discovery is a privilege in arbitration, but not a right. Arbitrators can’t enforce subpoenas, meaning you have to file a lawsuit just to get a third party or a piece of information into the hearing. In open court, you don’t have to jump through nearly as many hoops. Further, judgments in court are often more favorable to the consumer, both in the rate of success and the dollar amount of judgments.”…North Carolina Consumers Council

“Beware of false prophets, which come to you in sheep’s clothing, but inwardly they are ravening wolves.”…Matthew 7:15

 

Hurricane Florence and its subsequent short term and long term flooding impact has been dominating much of the news in NC.

The impact is much worse than most people realize due to the extensive flooding and the fact that most people affected by the flooding do not have flood insurance.

Those who do have insurance coverage may be in for another shock.

The mandatory arbitration clause that may be in their insurance contract and permitted in NC. If they do not get what they consider a fair settlement, they may not be able to litigate, to have an attorney protect their interest in a court of law.

From the North Carolina Consumers Council.

“Mandatory Arbitration Clauses Are Everywhere But Aren’t Good For The Consumer

MANDATORY ARBITRATION TIES YOUR HANDS AND PREVENTS YOU FROM GETTING PROTECTIONS AND REMEDIES AVAILABLE UNDER STATE AND FEDERAL LAW”

“Arbitration can be voluntary or mandatory. Voluntary arbitration is preferred as it preserves your legal rights. Mandatory arbitration, on the other hand, compels you to first submit to the arbitration process as a condition of buying or using a product or service before you take your case to court. In many situations, however, accepting a mandatory arbitration clause means you surrender your rights to further court action at any time in the future for anything.”

“Arbitration providers market entirely to businesses and their arbitrators often consist primarily of corporate executives and their lawyers. So, arbitration is tilted heavily in the favor of the company because the arbitrator is chosen by and paid for by the company. That arbitrator has a financial incentive to rule in the favor of the company in order to be chosen in the future by the company for other arbitration cases. But that doesn’t necessarily mean that the arbitration will not find for the consumer. But arbitrators aren’t required to take law and legal precedent into account when making decisions like in legal proceedings. And since arbitration is private, everything that happens behind those closed doors is supposed to remain secret, meaning there is no public review of the process and no appeal in the case of binding arbitration.”

Read more:

https://www.ncconsumer.org/news-articles-eg/mandatory-arbitration-clauses-are-everywhere-but-arent-good-for-the-consumer.html

I recently received a gift, a blessing, from the NC Insurance Commission regarding my disability claim with Thrivent.

I am not at liberty to release the information at this time.

However, the impact this has had on me is significant.

It is my story and the story of thousands, if not millions of others.

http://eachstorytold.com/2018/09/25/thrivent-disability-claim-denial-and-treatment-impact-on-my-life-2009-to-present-delay-and-deny-alice-in-wonderland-protocol/

From the NAIC, The National Association of Insurance Commissioners, August 15, 2016.

“Peter Kochenburger and Brendan Bridgeland, NAIC Consumer Representatives 
Section One: Why arbitration clauses should be banned”

“Insurers that would insist on mandatory arbitration of policyholder disputes have selected the forum that they believe will be more favorable to them than to their policyholders, if not on each individual claim then in the aggregate. However, manipulating the dispute resolution process in this manner conflicts with the duties insurers owe their policyholders and is not holding their policyholders’ interests “at least equal to their own.”

“If arbitration was truly a neutral forum rather than one favoring insurers, then there would be no need for an insurer to insist on its use before a dispute has even arisen. Insurers should utilize arbitration only when the policyholder has consented to do so after an actual dispute occurs (which is what the suggested amendment to the Model Unfair Trade Practices Act should accomplish), rather than requiring it in boilerplate language that the policyholder is very unlikely to read, could not bargain over the provision even if she did, and could not make an
informed decision at the point of sale on the merits. True freedom of contract, combined with the fundamental right to a trial, requires a knowing relinquishment of that right, which can only occur voluntarily once a specific dispute has materialized.”

Read more:

http://eachstorytold.com/2018/07/16/naic-banning-arbitration-clauses-in-insurance-policies-why-arbitration-clauses-should-be-banned-companies-that-include-pre-dispute-mandatory-arbitration-clauses-do-so-because-it/

Aside from continuing my disability claim struggle, I hope to play a part in removing mandatory arbitration clauses in insurance policies.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

Christine Blasey Ford dishonesty zero credibility bombshell not photos,  Elizabeth Loftus UC Irvine: “need independent evidence to corroborate your memories”, Bigger story: Democrats & Fake news media used her

Christine Blasey Ford dishonesty zero credibility bombshell not photos,  Elizabeth Loftus UC Irvine: “need independent evidence to corroborate your memories”, Bigger story: Democrats & Fake news media used her

“Democrat mantra: The end justifies the means.”…Citizen Wells

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

“Nothing can now be believed which is seen in a newspaper.
Truth itself becomes suspicious by being put into that
polluted vehicle.”…. Thomas Jefferson

 

Forget the photos of Christine Blasey Ford. We already have a revealing puzzle picture of her life beginning in high school.

She drank and partied underage and deceived her parents.

Ms. Ford needs professional help and as Mr. Kavanagh’s daughter stated “our prayers.” She is dealing with some kind(s) of emotional stress that exists in her mind.

She also must be held accountable.

If a FBI investigation could be used for example to resurrect her social media and any other scrubbed incriminating evidence to prosecute her, then do it.

When this story first was broadcast, I was hesitant to get involved.

I decided to read the Washington Post account and a series of self evident truths emerged.

From Citizen Wells September 20, 2018.

“An issue of honesty was emerging.

Christine Blasey Ford was a well educated psychological professional.

From my exposure to Psych 101 and other research I knew that human memories were extremely fallible.

Ms. Ford was educated on this matter and not being honest in her portrayal of “facts.”

From Psychology Today Mar 12, 2012.

“Unreliable Memory

“We tend to think that memories are stored in our brains just as they are in computers. Once registered, the data are put away for safe-keeping and eventual recall. The facts don’t change.

But neuroscientists have shown that each time we remember something, we are reconstructing the event, reassembling it from traces throughout the brain. Psychologists have pointed out that we also suppress memories that are painful or damaging to self-esteem. We could say that, as a result, memory is unreliable. We could also say it is adaptive, reshaping itself to accommodate the new situations we find ourselves facing. Either way, we have to face the fact that it is “flexible.”

For most of us that usually means we recall a rosier past than we actually had, though some of us are tormented by memories of a painful past we can’t shake and that seems to get worse every time we revisit them. But for all of us that means an incomplete past.

Nothing brings this home better than the memories of witnesses in trials, one of the cornerstones of our legal system. All too many people have been put behind bars on the testimony of witnesses, who when challenged by more objective data have been later proved to be misremembering.”

https://citizenwells.com/2018/09/20/christine-blasey-ford-high-school-party-girl-honesty-questions-hitched-her-wagon-to-dishonest-media-and-democrat-party-glass-houses-and-stone-throwing/

Ms. Ford kept changing her story before and during her testimony. She varied her accounts of the number and makeup of attendees at the gathering in her relating to Feinstein, the polygraph exam and during testimony.

She admits that she cannot recall many details.

No one that she claims attended the gathering, including her friend Leland Keyser, corroborates her story.

The show stopper, the response that reveals her dishonesty was from this testimony:

DURBIN: “Dr. Ford, with what degree of certainty do you believe Brett Kavanaugh assaulted you?”

FORD: “One hundred percent.”

Ford tries to impress the audience with pseudo science:

FORD: “The same way that I’m sure that I’m talking to you right now. It’s — just basic memory functions. And also just the level of norepinephrine and epinephrine in the brain that, sort of, as you know, encodes — that neurotransmitter encodes memories into the hippocampus. And so, the trauma-related experience, then, is kind of locked there, whereas other details kind of drift.”

FEINSTEIN: “So what you are telling us is this could not be a case of mistaken identity?”

FORD: “Absolutely not.”

Ford is well educated. She has no excuse.

She lied!

Even people with superior memories are not immune to errors.

From the University of California, Irvine, CA, October 22, 2013.

“The recent identification of highly superior autobiographical memory (HSAM) raised the possibility that there may be individuals who are immune to memory distortions.”

“HSAM individuals possess a remarkable autobiographical memory. However, these results show that even they are not immune to episodic memory distortions. Whatever the source of their exceptional autobiographical memory ability is, this does not prevent them from having memory distortions. Although it is always possible that some group might be found to be immune to memory distortions, none has as yet been discovered.”

Read more:

http://www.pnas.org/content/pnas/early/2013/11/12/1314373110.full.pdf

From Scientific American August 8, 2016.

“What Experts Wish You Knew about False Memories

Just because you’re absolutely confident you remember something accurately doesn’t mean it’s true

Every memory you have ever had is chock-full of errors. I would even go as far as saying that memory is largely an illusion.

This is because our perception of the world is deeply imperfect, our brains only bother to remember a tiny piece of what we actually experience, and every time we remember something we have the potential to change the memory we are accessing.

I often write about the ways in which our memory leads us astray, with a particular focus on ‘false memories.’ False memories are recollections that feel real but are not based on actual experience.

For this particular article I invited a few top memory researchers to comment on what they wish everyone knew about their field.

First up, we have Elizabeth Loftus from the University of California, Irvine, who is one of the founders of the area of false memory research, and is considered one of the most ‘eminent psychologists of the 20thcentury.

Elizabeth Loftus says you need independent evidence to corroborate your memories.

According to Loftus: “The one take home message that I have tried to convey in my writings, and classes, and in my TED talk is this: Just because someone tells you something with a lot of confidence and detail and emotion, it doesn’t mean it actually happened. You need independent corroboration to know whether you’re dealing with an authentic memory, or something that is a product of some other process.””

Read more:

https://blogs.scientificamerican.com/mind-guest-blog/what-experts-wish-you-knew-about-false-memories/

I believe that Senator Flake could use some professional help as well.

However, if the FBI must be used, use them in the prosecution of Christine Blasey Ford to make an example.

The much bigger story is the Democrat Party and fake news media lying to the American people and using people for their twisted agenda.

 

More here:

https://citizenwells.com/

http://citizenwells.net/