:00:07. > :00:12.Good evening. Welcome to Inside Out. Here is what is coming up: The
:00:12. > :00:16.Sussex pensioner who lost her home. We investigate her lawyer and put
:00:16. > :00:22.his legal advice under the spotlight. My whole life has been
:00:23. > :00:27.ruined. That is what has happened. I do not have the courage to commit
:00:28. > :00:34.suicide. Did this solicitor fail in his duty to protect her? We are
:00:34. > :00:38.from BBC Inside Out. The Oxford housing crisis. Government cuts
:00:38. > :00:42.that could force residents out on the street. It might not be a
:00:42. > :00:48.palace but is my palace. I do not want to move. They cannot give it
:00:48. > :00:54.and then take it away. Four men in a boat. With 3,000 miles to go, the
:00:54. > :01:04.crew start to wonder, whose stupid idea was this? What is up? I cannot
:01:04. > :01:20.
:01:20. > :01:25.believe I am the first one to cry. First tonight, I need to raise some
:01:25. > :01:30.cash. �1 million. Do not worry, I have a plan. I am going to use your
:01:30. > :01:37.eyes to secure the funds. He is an investment. We will be quids in. I
:01:37. > :01:42.will get a solicitor to look at it. What could go wrong? Did you think
:01:43. > :01:47.the donkeys will miss this place? - - do you think? They have a nice
:01:47. > :01:50.house here. Two years ago we brought you the story of how
:01:50. > :01:55.Rosalie Reeves-Fisher broke into their own home after a mortgage
:01:55. > :02:01.company evicted her. Rosalie had lived at her family home for nearly
:02:01. > :02:07.40 years. Then she fell under the spell of a woman named Sheila Mason.
:02:07. > :02:12.She up persuaded Rosalie to use her family home as security for a loan
:02:12. > :02:17.of �1 million. Sheila pollute the cash and left Rosalie with a loan
:02:17. > :02:22.that she could never payback. The bailiffs came up to take possession
:02:22. > :02:30.of a house. Michael, it is urgent, where every you are, the bailiffs
:02:30. > :02:35.are here. Everybody must leave the property. We have a court order.
:02:35. > :02:44.were filming but the bailiffs ordered us off the premises. I am
:02:44. > :02:50.not moving from his house. After our intervention and at the very
:02:50. > :02:57.last minute, a phone call came through and the eviction was called
:02:57. > :03:07.off. I need to inform you the eviction is withdrawn. They have
:03:07. > :03:13.
:03:13. > :03:19.withdrawn it! Come and have some champagne. Come on in. They are
:03:19. > :03:25.swines. Come in and have a drink. Two years on, eviction looms once
:03:25. > :03:30.more. This time, Rosalie has no choice but to sell because of her
:03:30. > :03:34.spiralling debts. The mortgage company trying to repossess medal
:03:34. > :03:38.Hill said Rosalie had been properly represented by a solicitor. They
:03:38. > :03:43.could not be accused of any reckless lending, they said.
:03:43. > :03:53.Tonight, we investigate that solicitor and ask did he fail in
:03:53. > :03:53.
:03:53. > :03:57.his duty to protect? Moving out day is fast approaching. At 74, Rosalie
:03:57. > :04:04.has got to pack generations of family life into boxes and crates
:04:04. > :04:11.and prepare for the journey to a new home. I have lost my life and
:04:11. > :04:16.home. The home is my life. It is with the animals and doing the
:04:16. > :04:20.garden. I have had guests and things. My whole life has been
:04:20. > :04:27.ruined. That is what has happened. I have not got the courage to
:04:27. > :04:36.commit suicide. A lot of people have said that, I have said my life
:04:36. > :04:41.is gone. It has, in a way. A local solicitor warned Rosalie not to get
:04:41. > :04:47.involved with Sheila Mason's plant and a London bank also turned the
:04:47. > :04:57.women away. Sheila Mason persevered and found a loan broker in a very
:04:57. > :04:57.
:04:57. > :05:02.remote part of the UK. The River Usk. Some of the best fishing in
:05:02. > :05:09.the country. Why would Rosalie who lived in Sussex and Sheila who
:05:09. > :05:14.lived in Surrey travel all the way to Wales? We left here about five
:05:14. > :05:22.AM. She came and picked me up. I fell asleep, which is nothing
:05:22. > :05:28.unusual, on the route. It was quite a long journey. The appointment was
:05:28. > :05:32.2pm. Usk was home to Lerwich Commerical Mortgage Corporation it
:05:32. > :05:39.will arrange a loan even if it is not your property. It was exactly
:05:39. > :05:44.what Sheila was looking for. It came up with a solicitor. I spent
:05:44. > :05:49.20 minutes with Mr Townsend. Scheele said when we were coming
:05:50. > :05:55.home, did he give you advise? I said, no, he did not. The broker
:05:55. > :05:59.for Rosalie's �1 billion mortgage was ain't man called Geoffrey. We
:05:59. > :06:03.are not saying he has done anything wrong. Remember the mortgage
:06:03. > :06:08.company said Rosalie had been properly represented by a solicitor.
:06:08. > :06:12.That solicitor was a man a name to Geoffrey Townsend. As well as
:06:12. > :06:17.sharing the same first name, the two men have something else in
:06:17. > :06:23.common. They were business partners. We have discovered nine businesses,
:06:23. > :06:28.including loans and mortgage companies, where these two men were
:06:28. > :06:31.directors. House solicitors act is regulated. Did Mr Townsend's
:06:31. > :06:36.business relationship with the broker affect the advice he gave
:06:36. > :06:46.Rosalie and put him in breach of the code of conduct? You must not
:06:46. > :06:48.
:06:48. > :06:53.use your position to take unfair The borrowers came a long way. One
:06:53. > :06:57.came from Sussex to the west of the country. That was to take
:06:57. > :07:02.independent advice. You begin to wonder whether that is possible.
:07:02. > :07:07.is not the first time Mr Townsend has a breach the guidelines. He was
:07:07. > :07:11.fined �3,000 by the regulator before he even met Rosalie. Perhaps
:07:11. > :07:18.the most worrying part of the case is that a Geoffrey Townsend
:07:18. > :07:23.represented both Rosalie and Sheila. Where there are no common interests,
:07:23. > :07:29.unlike married couples, both parties need separate solicitors.
:07:30. > :07:39.The code is quite clear. You must not act if there is a conflict of
:07:40. > :07:42.
:07:42. > :07:46.interest and if you are a separate There is every indication there was
:07:46. > :07:51.going to be a fall-out between the parties or if there was not a fall
:07:51. > :07:55.out, there was the risk if the loan was called in, that only one party
:07:55. > :07:59.would have assets to me that obligation. In those circumstances,
:07:59. > :08:04.I think it is very foolhardy for somebody to accept instructions
:08:04. > :08:10.from both borrowers. I think it would have been evident to we
:08:10. > :08:14.solicitor who had just qualified. Alarm bells should have rung. I
:08:14. > :08:18.think they should have been lights flashing round the room. Under the
:08:18. > :08:23.threat of eviction, Rosalie has found a buyer and we use the
:08:23. > :08:29.proceeds to pay back the loan. There is interest of more than
:08:29. > :08:37.�200,000. Did you ever think this day would come? Well, I had hoped
:08:37. > :08:42.it would not and why I have been hit in this way I do not know.
:08:42. > :08:48.what I have seen so far, I think Mr Townsend have a lot to answer for.
:08:48. > :08:54.Having seen the evidence, he was reported to the regulator. It has
:08:54. > :08:59.the power to order the solicitor to pay Rosalie compensation. As for Mr
:08:59. > :09:04.Townsend himself, he claims he does not have upshot's News Of The World
:09:04. > :09:11.-- paperwork and cannot help. We have tried hard to get some answers.
:09:11. > :09:19.It is time for one more go. Hello. We are from BBC Inside Out. Can I
:09:19. > :09:24.just ask about Rosalie Reeves- Fisher? Why did you give her advice
:09:24. > :09:27.and sort out a loan which would mean she would have to leave her
:09:27. > :09:32.house? Surely that was a breach of conditions, working for both
:09:32. > :09:38.parties, Sheila Mason and Rosalie Reeves-Fisher? I think she deserves
:09:38. > :09:42.some answers because she has lost her house. Hopefully Rosalie will
:09:42. > :09:48.have more or log trying to get compensation. Rosalie's legal
:09:48. > :09:58.battles are far from over. But life at Meadowhills has finally come to
:09:58. > :10:04.an end. It is time to say goodbye to her family home. They have
:10:04. > :10:10.broken my life. They have killed me. I might as well just go to sleep.
:10:10. > :10:19.My father died at 75 and I would not be surprised if I die it then.
:10:19. > :10:26.The only thing that keeps me alive is to look after the cats and the
:10:26. > :10:36.donkeys. It has all now ended. All due to something I never understood.
:10:36. > :10:38.
:10:38. > :10:44.Not nice. But I hope I will get some justice.
:10:44. > :10:48.Rosalie's fight for that justice goes on. Next, supply and demand.
:10:48. > :10:54.There is a huge need for social housing in the south. There simply
:10:54. > :10:58.is not enough. Rents are sky high a in the private sector and housing
:10:58. > :11:05.charity Shelter is warning more people will become homeless because
:11:05. > :11:09.of changes to benefits. There is such a shortage of housing
:11:09. > :11:15.in Oxford but many of the 6,000 people on the council's waiting
:11:15. > :11:19.list are unlikely to ever be harassed. Add to that 165 people in
:11:19. > :11:23.temporary accommodation, you might have dreaming spires, but you also
:11:23. > :11:28.have a housing nightmare. Of course, that is bad news if you're waiting
:11:28. > :11:33.for somewhere to live. It is great news if you of one of the biggest
:11:33. > :11:38.private sector landlords in Oxford. Meet Tariq Khuja. He owns and
:11:38. > :11:44.manages 350 properties in the city and he is constantly on the lookout
:11:44. > :11:50.for more. If the price is right, then we will buy it. It has
:11:50. > :11:54.potential, that is a bonus. It works quite well. You can buy a
:11:54. > :11:59.property, one house, and then divided into three units of
:11:59. > :12:03.accommodation and it pays double the amount. Unlike many landlords
:12:03. > :12:07.in Oxford, Tariq Khuja is happy to take people on housing benefit and
:12:07. > :12:14.any bit of land is a potential earner. I purchased this property
:12:14. > :12:19.some time ago and the adjacent property came up for sale. I bought
:12:19. > :12:23.it as quickly as I could because what I was after his this land in
:12:23. > :12:27.between. In his area, there is lots of development. I am hoping to
:12:27. > :12:33.obtain planning permission to build, ideally, two flats and have two
:12:33. > :12:38.separate units of accommodation. That would be two sets of income.
:12:38. > :12:42.If I build a two bedroom house. Tariq Khuja is interrupted. Two
:12:42. > :12:48.residents on the estate walk past and mention they are not happy with
:12:48. > :12:53.some of the tenants of Tariq Khuja brings to the area. Not everybody
:12:53. > :13:00.in Oxford likes me very much! I do not care what people think. I do
:13:01. > :13:07.what I can to improve my life and other people's. The abuses -- the
:13:07. > :13:13.abusive passer-by a says he is not improving her life. You approach
:13:13. > :13:18.him and he does nothing about it. He puts more people in there in the
:13:18. > :13:22.same situation. Yes they have a right to be housed but it is what
:13:22. > :13:25.they are doing and the trouble they are causing. There is a stigma
:13:25. > :13:30.attached to people on benefit. People do not accept that people
:13:30. > :13:34.land on hard times. I do not know how we do get away with building
:13:34. > :13:38.houses and putting people like the people he puts in there when there
:13:39. > :13:48.are families around. We have had so much -- so much trouble. Nobody has
:13:49. > :13:49.
:13:49. > :13:56.This is five minutes from the centre of Oxford. Like many service
:13:56. > :14:00.areas, this has got a chain of hotels. But this one behind me has
:14:00. > :14:09.been used to house people in emergencies by Oxford City Council
:14:09. > :14:15.before they find them somewhere to live. For a whole week, Matt and
:14:15. > :14:18.his partner have lived here with their baby, Jessica. Matt is
:14:18. > :14:24.finding it hard to get work and they cannot afford to buy anywhere.
:14:24. > :14:29.They ask for council help. We are staying with my mother had it is a
:14:29. > :14:34.bit overcrowded. Everything comes to a head and we have been asked to
:14:34. > :14:38.leave. This is where the council has put up. Having put up with this
:14:38. > :14:43.for a week, he is going back to the council, hoping to get something
:14:43. > :14:48.more permanent. Today, he is in luck as long as he signed up
:14:48. > :14:54.straight away. He will live in an area he does not know. You have
:14:54. > :15:01.guessed it, it is owned and managed by Tariq Khuja. This is a property
:15:01. > :15:06.of the council which has been given to us temporarily. Not ideal. But
:15:06. > :15:11.upstairs, I will show you the bedroom. The rent is just over
:15:11. > :15:16.�1,000 per month. This is temporary. We could be here for up to three
:15:16. > :15:20.months. It is not great but the council is footing most of the bill.
:15:20. > :15:27.They are running businesses and they are entitled to charge the
:15:27. > :15:33.full back. They did not have made's rates. It is chronic and acute. We
:15:33. > :15:36.have got massive housing need and not enough social housing. We have
:15:37. > :15:41.got a private rented sector becoming unaffordable because of
:15:41. > :15:44.benefit changes. We put them into places like this as briefly as
:15:44. > :15:48.possible until we can find somewhere better for them are. But
:15:48. > :15:54.we have problems also in accommodation for the same reasons.
:15:54. > :15:59.My daughter is nine weeks old. My partner does not want Jessica here.
:15:59. > :16:05.I did not know if my mother will have her overnight or one of us
:16:05. > :16:10.stays here and one stays at my mother's. Just until we get things
:16:10. > :16:16.sorted. It is a period of dramatic change in housing benefit. From
:16:16. > :16:20.January next year instead of people under 25 it will be anyone under 35
:16:20. > :16:25.that only qualifies for housing allowance in a room in a shared
:16:25. > :16:31.house. Somebody currently in a flat will see a drop in benefit and have
:16:31. > :16:36.to move, it they can find somewhere else. Is used to be a family house.
:16:36. > :16:42.It has been rented for a few weeks. We will refurbish the property and
:16:42. > :16:46.make it into a HMO up. That means it should provide four or five
:16:46. > :16:52.rooms. Just around the corner is one of his tenants, directly
:16:52. > :16:58.affected by the new allowances. Adrian is 32. He will have to move
:16:58. > :17:03.to a single room. Gutted. It took me ages to get hit. It is not
:17:03. > :17:07.really a palace but it is mine. I have built it up and done
:17:07. > :17:12.everything I can and I do not want to move. I get somewhere and they
:17:12. > :17:17.changed the law. How does that work? Ridiculous. This is paid for
:17:17. > :17:21.by the council? Yes. And in their eyes they are paying and I should
:17:21. > :17:27.be grateful for what I get but they cannot even be supping and take it
:17:27. > :17:34.away. We will put a new kitchen in here. -- give me something. This
:17:34. > :17:40.will be 80 middle kitchen. He will move from his own bathroom and
:17:40. > :17:47.kitchen. I am a diabetic and I keep insulin in the fridge. It is
:17:47. > :17:55.medication that has got to be kept safe. What do I do? It is
:17:55. > :17:58.government policy that is at fault. This for me is policy-making
:17:58. > :18:01.addressing places like Westminster and Kensington where people were
:18:01. > :18:06.claiming benefit on expensive properties. The government view is
:18:06. > :18:10.they should move to places like Peckham. At might work in London
:18:10. > :18:14.but not Oxford because they have not got anywhere to go. The benefit
:18:14. > :18:20.cuts were designed to force landlords to reduce rent. That is
:18:20. > :18:24.not happening but it is happening - - having an effect. It has already
:18:24. > :18:29.got worse. Since April this year when allowances were reduced, there
:18:29. > :18:35.has been a massive influx of homeless people. But that will not
:18:35. > :18:40.save money? It will cost a lot more money. It will not save money. It
:18:40. > :18:44.will put a greater burden of local government at a time when funding
:18:44. > :18:51.is being reduced and we are being asked to make major efficiencies
:18:51. > :18:55.and savings. Meanwhile, Matt is still living at Tariq Khuja's
:18:56. > :18:59.temporary accommodation but he has found another place. As soon as
:18:59. > :19:05.this is empty, we have got seven days to turn it around and get it
:19:05. > :19:11.ready to that. But generally we get it done on the same day. It is a
:19:11. > :19:16.big demand. At least he has got some comfort from the housing
:19:16. > :19:26.nightmare in the City of dreams and spies. We have got somewhere else
:19:26. > :19:28.
:19:28. > :19:33.to live. -- spires. We are moving Finally tonight, we are all at sea.
:19:33. > :19:37.Four men, one boat and 3000 miles. They are rowing from Australia to
:19:37. > :19:47.Mauritius. By the looks of it, they are all completely unsupported!
:19:47. > :19:52.The Indian Ocean. Land a distant memory, with only an albatross for
:19:52. > :19:58.company. I think it's official, I'm going mad. I think the other boys
:19:58. > :20:02.probably are too. I've been talking to myself quite a lot now. Wild
:20:02. > :20:06.weather, deadly currents and broken bodies. The sea continues to punish
:20:06. > :20:13.us. This environment is completely unforgiving. My body is in utter
:20:13. > :20:19.pain. In April, an Army captain from Dorset and three chartered
:20:19. > :20:22.surveyors set out. What they knew would be a great physical challenge
:20:22. > :20:29.would also question their beliefs. In the last week or so, our faith
:20:29. > :20:34.in God certainly has been really tested. What's up? I can't believe
:20:34. > :20:43.I'm the first one to cry. This epic journey has taken the team three
:20:43. > :20:46.It is exactly 8 o'clock in the evening on Friday 11th March.
:20:46. > :20:53.team is preparing to row more than 3000 miles from Australia to
:20:53. > :21:00.Mauritius. That's 3000 miles worth of legs and arms. Engines are for
:21:00. > :21:04.wimps. What does that represent? Our sleeping and the area that we
:21:05. > :21:09.are confined to. Next stop, Geraldton on the West Coast of
:21:09. > :21:19.Australia. Time for the crew to acclimatise while they wait for the
:21:19. > :21:22.
:21:22. > :21:25.boat to arrive. Indian Runner 4 is 29 feet long with a small sleeping
:21:25. > :21:29.cabin at each end. It will have to carry everything that they will
:21:29. > :21:32.need for 70 days at sea. I just haven't got a clue what's out there,
:21:32. > :21:36.both in terms of how I will cope physically, mentally, how I will
:21:36. > :21:41.cope personally with being at sea, never been before. I'm looking
:21:41. > :21:47.forward to the experience, looking forward to seeing how I cope.
:21:47. > :21:50.don't really have any doubts. The only problems could be the
:21:50. > :21:55.unpredictable weather, the ocean I think is the only thing that will
:21:55. > :22:01.stop us. Dear diary To supplement Ed's Journal, the crew will film a
:22:01. > :22:05.video diary of their voyage. They've got to rack up 50 miles a
:22:05. > :22:15.day, rowing around the clock if they are to beat the record of 69
:22:15. > :22:22.
:22:22. > :22:30.The wind has been pushing against us all day and now it has started
:22:30. > :22:33.tipping with rain. He is down on the oars and I have battered down
:22:34. > :22:43.the hatch and I will go on in 25 minutes and I tell you what, we
:22:44. > :22:44.
:22:44. > :22:47.didn't sign up for this. Two and a half weeks in and unfavourable
:22:47. > :22:50.crosswinds are slowing progress. Skipper James has tendonitis in his
:22:50. > :22:53.lower legs. The sea continues to punish us. This environment is
:22:53. > :22:56.completely unforgiving. My body had the moment is in utter pain with my
:22:56. > :23:02.right shoulder. Every time I pull on the oar it feels like someone is
:23:02. > :23:04.trying to rip my arm out of its socket. 50 days to go. I need to
:23:04. > :23:14.find some form of equilibrium or pain threshold that is sustainable
:23:14. > :23:16.
:23:16. > :23:24.for the rest of this trip. Day 22. Saturday May 14th. We are just
:23:24. > :23:29.having our 1000 mile celebration. Awesome party! It is really good.
:23:29. > :23:35.Glad so many people could come. What was the theme? The theme was,
:23:35. > :23:44.Row, Row, row your boat. And you have come as a cave man. I thought
:23:44. > :23:49.I'd give you a little insight into my view most afternoons. And most
:23:49. > :23:55.mornings. But a month in and a series of equipment failures and
:23:55. > :24:01.uncooperative winds are taking their toll. What's up? I can't
:24:01. > :24:04.believe I'm the first one to cry. Why is it so emotional? Nothing
:24:04. > :24:13.just seems to work and we just can't find a solution to the
:24:13. > :24:17.steering and now we're got amazing conditions to row in. -- we have
:24:17. > :24:21.got. The steering has gone wrong, the hand steering has gone wrong.
:24:21. > :24:25.We've broken two auto pilots and we have got 1800 miles to go. I feel
:24:25. > :24:28.like crying as well. It is looking a bit bleak at the moment, but we
:24:28. > :24:32.will get through it. This is probably the lowest point that I
:24:32. > :24:42.have had so far. And we have got to really grip now. It is grin and
:24:42. > :24:42.
:24:42. > :24:49.bear it time. We need to work as a It is 25th of May. I think it is
:24:49. > :24:57.fair to say we are deteriorating. We are all losing weight now. We
:24:57. > :25:06.are on double rations for lunch. We are all so hungry. That is as far
:25:06. > :25:09.as I can close my fingers. I've got to wake up early now so that I can
:25:09. > :25:14.do these sorts of exercises, for 10 minutes or so, to make sure I can
:25:14. > :25:17.grip the oar. The poor conditions continue and they can't increase
:25:17. > :25:24.their daily mileage. They're beginning to feel it is an
:25:24. > :25:29.impossible task. We are going over and over in my head what it would
:25:29. > :25:33.like if we don't get this record. I'd been so confident until this
:25:33. > :25:40.point, for the last three years we were going to do it. And now maybe
:25:40. > :25:43.it is slowly slipping from our grasp. I don't know. After weeks of
:25:43. > :25:53.seeing nothing but the horizon and each other, a spectacular visitor
:25:53. > :25:56.comes to the sea. What have you spotted? That is a whale, man. We
:25:56. > :26:06.have been for a full hour and a half swimming with this amazing
:26:06. > :26:08.
:26:08. > :26:11.wail. -- whale. We took it in turns to jump in the water. I went first
:26:11. > :26:15.and was pretty apprehensive, I wasn't really sure if whales eat
:26:15. > :26:19.you or not. I didn't think they did. Wow! Diving with a whale in the
:26:19. > :26:26.middle of the Indian Ocean with six kilometres of water below us and it
:26:26. > :26:34.Down to 8 miles a day instead of the target 50, the crew now know
:26:34. > :26:37.they have lost the record. To add to the misery, with only 100 miles
:26:37. > :26:40.to Mauritius, the wind and sea is against them again. They
:26:40. > :26:44.reluctantly deploy the Para Anchor to stop drifting backwards.
:26:44. > :26:49.miles should only be a couple of days. Four days ago, we're only 135
:26:49. > :26:52.miles away. But we just can't get near the island and we are being
:26:52. > :27:02.pushed too far south. If we are pushed further south we will never
:27:02. > :27:02.
:27:02. > :27:07.Four days later, the end is in sight. We are now only one mile
:27:07. > :27:13.from the finish. This time I will go to tell the guys how we are
:27:13. > :27:16.doing. They are one stone lighter in weight and scientific tests show
:27:16. > :27:19.their brain reaction times have actually slowed down. On dry land
:27:19. > :27:23.in Mauritius, with their coach Nick Knight, the team gives a press
:27:23. > :27:28.conference. Rupert Harding, News of the World. Is it true that you
:27:28. > :27:30.prayed every day? Dan gave us a set of thoughts for the day. We did
:27:30. > :27:37.actually really genuinely found them of huge encouragement,
:27:37. > :27:45.actually. Then we finished off with a hymn and none of us knew the
:27:45. > :27:55.words. Could we have a rendition? We will give you a little song. You
:27:55. > :28:03.
:28:03. > :28:07.know we belong together! You and I forever and ever. No matter where
:28:07. > :28:09.you are, you're my guiding star. their families meet them at the
:28:09. > :28:14.finish, time to reflect on an experience few people will ever
:28:14. > :28:17.have. They have been some pretty big highs and lows. I was asked
:28:17. > :28:22.yesterday whether I was finally at one with the ocean. I probably am
:28:22. > :28:28.now. Home and away. And as far as we know, they are still talking to
:28:28. > :28:37.each other, just. That's it for now. Don't forget to e-mail me. I'll see
:28:37. > :28:40.you next week. Hi, I'm Steve Lang, Universal Group. We gatecrash this
:28:40. > :28:47.man's seminar, which claims to offer financial peace of mind to
:28:47. > :28:51.the elderly. Why are you selling a product when you are possibly,