Wednesday 11 May 2016

2011 Exam paper


Question 1:

 

Dr. Sloan is a partner of Sloan and Montgomery Doctors. On 1 March 2012 Dr. Sloan was requested by Derek, the life partner of Maradeth, to conduct blood test on Maradeth and the foetus to determine paternity after he alleged that he only had relations with Maradeth for one night.

 

During one of Maradeth’s routine visits to Dr. Sloan, Dr. Sloan briefly explained to Maradeth the procedure in extracting fluid’s from her womb for purposes of DNA testing. Maradeth, overwhelmed by her pregnancy, agreed to the procedure.

 

During the procedure Dr. Sloan inserted the needle too deeply into Maradeth’s womb, resulting in an emergency operation to restore the damage caused by Dr. Sloan. After the operation Maradeth was told that her baby may be blind as a result of Dr.Sloan’s medical negligence.

 

On 1 April 2012 Maradeth went into premature labour. During the delivery Dr. Sloan noticed that the foetus was not breathing and started to resuscitate (revive) the baby. Despite his efforts the baby only gave one breath of air and died.

 

Based on the aforesaid set of facts, answer the following questions by referring to authority:

 

 

1.1 Maradeth consulted you after the emergency operation but prior to her emergency delivery. Advise Maradeth, with reference to case law, on the prospect of succeeding with a civil claim for medical negligence, with specific reference to against whom the claim should be instituted as well as whether she can institute a claim on behalf of the unborn child (foetus).

 

Differentiate between a natural person and a juristic person. A juristic person is an entity that is created by natural persons and that has independent status from the natural person/s that established it. In this case Dr Sloan will be held liable in his personal capacity as a partnership is not a juristic person.

 

The Nasciturus fiction allows that in certain circumstances the foetus rights that may accrue to him/her are kept in abeyance pending the birth of the foetus.  The requirements for the application of the fiction are:

The fetus must already have been conceived at the time when the benefit would have accrued to him or her and the child must subsequently be born alive.

 

It is possible that somebody's negligence may cause injuries to the
nasciturus before birth. In Pinchin v Santam Insurance Co 1963 (2) SA 254(W), where the facts were similar to the question under discussion, the court had to answer the question whether a person has an action in respect of injury inflicted on him or her while he or she was still a fetus in his or her mother's womb. (In this case the court also had to decide on a medical question, namely whether the injury sustained by the pregnant woman had caused the child to suffer from cerebral palsy.) In this case the court concluded that a fetus, if negligently injured before birth, may claim damages from the wrongful party.

 

 

1.2 Considering section 12(2) of the Constitution of South Africa 1996 providing for “everyone’s right to bodily and psychological integrity” as well as section 21 of the Children’s Act 38 of 2005, does Derek have the right to request Maradeth or the baby to submit themselves for blood tests and can they be ordered to submit themselves for blood tests for purposes of establishing paternity?

 

In F v L 1987 (4) SA 525 (W)"), the court decided that the father does not acquire parental authority over his extra-marital child and, since access is a component of parental authority, the father does not have an inherent right of access to the child. In B VP 1991 (4) SA 113 (T)''), the full bench of the Transvaal Provincial Division accepted the decision in F v L"). The court added that the father may apply for an order granting him access to his child. He must then prove on a balance of probabilities that such an order will be in the best interests of the child, and that the father will not unduly interfere with the mother's right of custody'') In Van Erk v Holmer 1992 (2) SA 636 (W)"), the Witwatersrand Local Division held that the time had arrived for our courts to recognise the inherent right of access of the natural father of an extra-marital child. The right of access should only be denied if it would be contrary to the best interests of the child"). In B v S 1995 (3) SA 571 (A)''), the Supreme Court of Appeal held that since access is an incident of parental authority, and since the father of an extra-marital child has no parental authority in respect of that child, the father has no inherent right of access to his child. If at all there is a question of an inherent entitlement, it is that of the child, if it is in his or her best interests.") The court rejected the decision in Van Erk v Holmer and confirmed the decision in B vP")

In T VM 1997 (1) SA 54 (A)"), the Supreme Court of Appeal held that whether or not access is granted is not dependent on the legitimacy of the child, as it used to be in terms of the common law, but that each case depends wholly on the welfare of the child. It therefore is the child's right to have access, or to be spared access, and not the mother's or the father's right") You should also have referred to the Natural Fathers of Children Born out of Wedlock Act 86 of 1997.") In terms of this Act the unmarried father may apply for access. He will only succeed if he can prove that access will be in the best interests of the child.'') The court must take the following factors into account when considering the application for access:

You could also have indicated that the existing legal position amounts to unfair discrimination against both the extra-marital child and his or her father, and thus contravenes section 9 of the Constitution")

 

In cases where blood tests are submitted to voluntarily, the courts accept blood tests as sufficient proof that a man cannot be a child's father. However, there is no certain answer to the question of whether the court may compel a person to undergo blood tests despite that person's refusal.

The following cases deal with the question of whether the court can compel children to undergo blood tests despite the parent's refusal: In 0 v 0 1992 (4) SA 137 (C), Seetal v Pravitha 1983 (3) SA 827 (D) and M v R 1989 (1) SA 416 (0) (Casebook [I 91) the courts decided that they could order a child to be submitted to blood tests despite the parent's refusal, if the tests are in the best interests of the child.

However, in S v L 1992 (3) SA 71 3 (E) (Casebook [18]) the court decided that it did not have the power to interfere with the decision of the mother that the child should not undergo blood tests, even if the court would have come to a different decision. The court held that ordering someone to submit to a blood test is not merely a procedural order. The following cases deal with the question whether the court can compel adults to undergo blood tests in spite of the parent's refusal: In M v R above the court decided that it did have the power to compel an adult to undergo blood tests in order to establish paternity, since the High Court has the inherent power to regulate its own procedures. In S v L above and Nell vNell1990 (3) SA 889 (T), the courts decided that they did not have the power to compel an adult to undergo blood tests, because such an order was not merely a procedural order.

In 0 v O above, the court stated that there was no statutory or common-law power enabling the court to order an adult to undergo blood tests for the purpose of establishing paternity.

 

Section 2 of the Children's Status Act 82 of 1987 creates a presumption that, if a party in a paternity dispute has been requested by the other party to submit himself or herself, or the child over whom he or she has parental authority, to blood tests, and he or she refuses to do so, that party wishes to conceal the truth concerning the child's paternity. Cronje & Heaton (57-58) indicate that it may be argued that an order compelling a person to undergo blood tests infringes his or her right to privacy and bodily and psychological integrity (which includes the right to security in and control over the body, as well as the right not to be subjected to medical or scientific experiments without informed consent - Constitution of the Republic of South Africa 108 of 1996 - ss 12 & 14). They add that the infringement of the rights of privacy and bodily integrity would be justifiable if it were in the best interests of the child to determine paternity by ordering a person to undergo a blood test.

 

 

1.3 Considering the requirements for the beginning and end of legal personality, as well as the provisions of the Birth and Death Registration Act 51 of 1992, advise Maradeth on whether she is obliged to register her baby, and if not, what is expected of her?

 

A natural person’s legal personality begins at birth. The requirements for the beginning of legal personality are that the birth must be fully completed and the child must be born alive, even if for a small period of time.

 

The facts indicate that the foetus died after taking one breath; hence despite the argument from authors suggesting that the child should be viable, the child is regarded to be born alive and therefore acquires legal personality.

 

In terms of the B&D Reg Act, the child’s parents have a duty to reg every birth at dept of home affairs within 30 days of date of birth by registering forename and surname (J v Director General). 

 

1.4 Advise Maradeth on the presumption of paternity applicable in the circumstances where the child was born from unmarried parents and explains to her how Derek (the alleged father) can rebut this presumption.

 

If a child is born to a married woman or a woman who is a party to a civil union, it is presumed that the child is born of the spouses or civil union partners. This presumption is expressed in the maxim pater est quem nuptiae demonstrant (the marriage indicates who the father is). The pater est quem nuptiae demonstrant presumption applies to children conceived before a marriage or civil union but born during its existence, as well as children conceived during the marriage or civil union but born after its dissolution. Thus if a woman remarries or enters into a  civil union shortly after the dissolution of hr previous marriage or civil union and the   presumption is consistently applied, both men could be considered the father of the child born  during the early stages of the new marriage or civil union. In such a case it is rebuttable presumed that the new husband or civil Union partner is the child’s father. It is thus presumed that Jack is the father. The presumption is however rebuttable.  He can prove that he did not have sex with Jill at the time when the child could have been conceived (1); the gestation period may be considered (1) He can prove that he is sterile (1); through blood tests (1).

(Heaton 58-64)

 

 

 

Question 2:

 
Mr Williams, a 60 year old civil engineer from Cape Town was on holiday in Port Shepstone to watch the annual sardine run. It was his goal to retire in five years after having personally experienced the famous South Coast sardine run. Before he came to Port Shepstone for his holiday, he had sought medical advice from his doctor for an incessant chest complication and was told that he had bone marrow cancer and was likely to live for only two years after his retirement. On the eve of the sardine run, Mr Williams went for an early morning swim despite the rough state of the ocean that morning. He did not return and it is now eight months since he disappeared.

 

2.1 Mrs. Williams is contemplating applying for a presumption of death order in order to move on with her life. Advise her on pertinent factors our courts will take into account before granting the order, especially considering that Mr. William’s whereabouts have been unknown for only eight months. In answering the question please refer to authority.

There is no fixed time that have to wait in South Africa. In England there is a seven-year period  - see Re Beaglehole where Innes J said that it depends entirely on the facts of the particular case whether or not the court will grant the order. In this case, B was a miller in England. He had been missing for 15 years, yet the court refused to grant the order as it felt that insufficient enquiries had been made. Relevant factors that the court may take into consideration are the following:

Age of missing person His profession

Whether he was exposed to any special risks or perils

The period for which he has been missing and the circumstances surrounding his disappearance.

 

2.2 Assume that the court is willing to grant the order sought by Mrs. Williams. Explain to her the step by step procedural process that will have to be followed in this specific instance. In answering the question reference must be made to authority.                                                                   (10)

Any interested party can apply to the high court for an order of presumption of death. They must apply to the court where the person was last domiciled immediately prior to his disappearance. After considering all the facts, the court will set down a date for the final order after this has been published in a local newspaper and the Government Gazette, so that any person may bring forward additional evidence or raise objections.

 

In each situation the courts must, when expressing a presumption, have regard to all the available facts in order to decide on a balance of probabilities whether the person is deceased or not. (Ex Parte Pieters)
 


2.3 Once the order sought has been granted as per Mrs William’s wishes, can she remarry? Motivate your answer with reference to authority.  (5)

 
No- marriage is not automatically terminated- she must bring a separate

application i.t.o. dissolution of marriages on presumption of death act –act

23 of 1979. must be made by application by the surviving spouse.

The Dissolution of Marriages on Presumption of Death Act 23 of 1979(2) provides that the court which expresses a presumption of death may, at the request of the remaining spouse(2), make an order dissolving the marriage as from the date determined by the court(2). Such an order can be made at the same time as the presumption of death is made or at any time thereafter, in other words, by means of a separate application.(2) If such an order is made, the marriage is deemed to be dissolved by death for all purposes - the legal consequences are therefore the same as in a case where the marriage has actually been dissolved by death.(1) According to the wording of the Act, the court is not bound to grant the application, but has a discretion to refuse it.(1)

(Heaton 33)

 

 

Question 3:
 

James, a South African diplomat, was recently placed in Canada. Last week his mother, who was left behind in Pretoria was diagnosed with inoperable cancer and was told that she would die within the next six months. James immediately returned to Pretoria to care for his mother. He however intends to resume his duties in Canada after his mother’s inevitable death and funeral. Where is James domiciled at present? Motivate your answer.               (5)
 

Question 4:

 

Sloan is 17 years old. He concludes a contract with Arizona, an adult, to buy a second-hand computer for R3 500. Sloan brings Arizona under the false impression that he is 18 years old by producing a forged identity document. Sloan pays a deposit of R350 and Arizona delivers the computer to him. Sloan now refuses to pay the remainder of the contract price on the ground that he is a minor and therefore not liable in terms of the contract.

 

4.1     Can Sloan, who makes a misrepresentation, be held delictual liable? If so what remedy is available to Arizona and what are the requirements for delictual liability in these circumstances?                (5)

 

4.2     Can Sloan recover his deposit? Briefly explain your answer with reference to authority.       (5)
 


 

Question 5:

 

Briefly explain how the following diverse factor/s may affect a person’s status:

 

5.1     A juristic act performed by a mentally ill person during a lucidum intervallum?  (3)

 

5.2     Physical disability to manage his/her own affairs.                                                (3)

 

5.3     Intoxication.                                                                                  (3)

 

5.4     Prodigality.                                                                                    (3)

 

5.5     Insolvency.                                                                                   (3)

 
                   

THE END

2013 Supplementary paper


Question 1:

 

 

Maradeth and Derek are life partners. They decided to make use of a surrogacy

agency, Baby Inc. to find a suitable surrogate mother. Mrs. Lexi Grey, a director of Baby

Inc. guaranteed that their surrogate mothers are all medically fit to give birth to healthy

babies.

 

Derek’s sperm and Maradeth’s ova were harvested and artificially fertilised. Dr.

Montgomery attended to implant the fertilise eggs into Arizona, the surrogate mother.

One month later Maradeth and Derek received confirmation that they were going to

have twins.

 

During the second trimester of the pregnancy, Arizona was involved in a vehicle

accident. Shortly after the accident Dr. Montgomery performed an ultra sound on

Arizona and noticed that one of the twins was developing a breathing problem. Dr.

Montgomery informed Maradeth and Derek that due to the injury sustained during the

accident, one of the twins will not be able to live a normal life. Dr. Montgomery

suggested that blood tests be performed to confirm his prognosis. Arizona however

refused to give her consent to draw blood from her or the unborn babies and threatened

to terminate the pregnancy if Maradeth and Derek were going to insist on blood tests. 

 

During the third trimester of the pregnancy Arizona had to undergo an emergency

operation after the twin with the lung injury, showed signs of distress. During the

emergency delivery it was discovered that the babies were conjoined twins as their two

bodies fused at the pelvic bone, resulting in them sharing a pelvis. At birth the twin with

the lung injury stopped breathing for 2 minutes. Luckily, Dr. Montgomery managed to

resuscitate (revive) him by using a respirator. The twins were immediately separated

after delivery.

 

Dr. Montgomery indicated that Baby Inc. should have scanned Arizona for addiction

problems, as he discovered that Arizona was using non prescribed drugs during the

pregnancy that probably contributed towards the twins being born as conjoined

twins. After being accused of the aforementioned, Arizona decided that she wanted to

cancel the surrogacy agreement. 

 

Derek, a manic depressant, disappeared shortly after the birth of the twins.    

 

 

 

 

 

 

 

Answer the following questions based on the aforementioned set of facts.

 

 

 

1.1     If Derek’s best friend, Mark, was setting up a business and wanted to give co-ownership of the business to Derek’s children, could Derek accept co-ownership of the business on behalf of their unborn children?                                        (10)

 

 

1.2     If Derek committed murder whilst domiciled in RSA and he then flees to Nigeria and does not intend to return RSA, is he domiciled in RSA or Nigeria? Substantiate your answer.                                                                              (10)

                                                                                                   

 

1.3.    Based on the aforementioned set of fats, what is the presumption regarding paternity and how can such presumption be rebutted?                                   (10)

 

 

1.4.1   If Arizona was a single woman that had a child as a result of artificial fertilisation, would the child be born from married or unmarried parents? Substantiate your answer with reference to case law.                                                    (10)                                                     

 

1.4.2   Would the answer to question 1.4.1 differ if Arizona co-habitated with Susan, another woman?                                                                                    (5)

 

 

1.4.3   Would your answer to question 1.4.1 differ if Arizona was married to Susan?

                                                                                                                        (5)

 

1.5     Discuss the provisions of the Children’s Act 38 of 2005 that deal with parental responsibilities and rights of unmarried fathers.                                      (10)

 

1.6     Critically discuss whether the protection of the interest of the Nasciturus implies that an unborn child is sometimes a legal subject with reference to case law. 

                                                                                                                        (10)

 

 

Question 2:

 

Jill is a minor. She enters into a marriage with John, without obtain the necessary

consent. Jill furthermore signed an antenuptial contract in terms whereof the

matrimonial property regime excluded the accrual system. Discuss whether the

aforesaid marriage is a valid, voidable or void marriage and the matrimonial property

consequences of such marriage with reference to case law and legislation.                  (10)

 

Question 3:

 

Ben is 17 years old. He concludes a contract with Mrs Shabangu, an adult, to buy a

second-hand computer for R3 500. Ben brings Mrs Shabangu under the false

impression that he is 18 years old by producing a forged identity document. Ben pays a

deposit of R350 and Mrs Shabangu delivers the computer to him. Ben now refuses to

pay the remainder of the contract price on the ground that he is a minor and therefore

not liable in terms of the contract.

 

3.1     A minor who makes a misrepresentation (like Ben did in this question) commits a

delict and can therefore be held delictual liable. This means that the prejudiced

party has a claim for damages against the person committing the delict (the

minor). What are the requirements for delictual liability in these circumstances?  

(5)

 

3.2     Can Ben recover his deposit? Briefly explain your answer with reference to

authority.                                                                                                (5)

 

 

 

Question 4:

 

Briefly explain how the following diverse factor/s may affect a person’s legal

capacity:

 

4.1     A person that is a declared prodigal enters into a hire-purchase contract?

                                                                                                                        (5)

 

4.2     A person kills another person whilst driving a vehicle under the influence of alcohol.                                                                                               (5)

 

 

THE END

2014 Supplementary paper


Question 1:

 

 

Arizona and Derek married each other in terms of the Civil Union Act on the 1st day of April 2012. The ceremony took place at Giant’s Castle in the Drakensberg. At Arizona’s bridal shower (prior to the marriage) she slept with her ex-boyfriend, George (a declared prodigal). Shortly after the wedding Derek was offered a two year employment contract at the SOS Hospital in his hometown of Lucerne, Switzerland. Arizona, a trauma doctor, just signed a two year contract with ‘From Zero to Hero Adventure Sports’. It was agreed that once Arizona completed her contract with ‘From Zero to Hero Adventure Sport’, she would join Derek in Switzerland. Derek left for Lucerne, unknowing that Arizona was pregnant.

 

‘From Zero to Hero Adventure Sports’ partnered with The Big Blue CC and asked Arizona to do an assessment on the impact free diving may have on a person’s lung functions. Arizona partook in the assessment by diving to a depth of 150 metres. After the dive Arizona started experiencing difficulty in breathing. She was airlifted to the nearest hospital where she was informed that she was expecting twins and that one of the foetuses has suffered an oxygen deficiency.

 

Arizona informed Derek that she was pregnant. During the telephonic conversation with Derek, Arizona informed Derek that the George may be the father of the twins. Despite being outraged at the possibility that George may be the father of the twins, Derek chartered an aeroplane to fly to the Drakensberg. As the plane entered South African airspace, the plane disappeared. A few months later Arizona gave birth to a mentally handicapped daughter, Lexi whilst Avery (the foetus that suffered an oxygen deficiency) only managed to live for two minutes after delivery. Due to Lexi’s disability, Arizona decided to relocate to Cape Town where Lexi could receive the necessary medical care.  

 

 

 

Answer the following questions based on the aforementioned set of facts.

 

1.1     Considering section 12(2) of the Constitution of South Africa 1996 providing for “everyone’s right to bodily and psychological integrity” as well as section 40 of the Children’s Act 38 of 2005, does George have the right to request that Arizona or Lexi to undergo blood tests. In addition what would be the requirements should Arizona have terminated the pregnancy in the second trimester of her pregnancy? Reference must be made to legislation and case law in substantiating your answer.                                                                      (20)

 

 

 

 

 

 

1.2     Should Arizona want to marry George and taking into account the fact that she is still legally married to Derek, advise and explain to her the possible remedies available to her to enable her to marry George.                                    (20)

 

 

1.3     If George, whilst under the influence of alcohol, commits murder and he then flees to Nigeria and does not intend to return RSA, is he domiciled in RSA or Nigeria? In addition, explain what affect intoxication may have on George’s legal capacities.                                                                                           (20)

 

 

1.4     If Arizona was a single woman that had a child as a result of artificial fertilisation, would the child be born from married or unmarried parents? Substantiate your answer with reference to case law.                                                    (20)   

 

 

Question 2:

 

Donald, a 17-year old minor, lives and works in Pretoria while his parents live in Cape Town. He has a bank account in which his salary is deposited, and he fully supports himself. He rents a flat from Fred and pays his rent monthly by cheque. The last two cheques were dishonoured when they were presented for payment. Donald refuses to pay for the rent because he is a minor and therefore does not have capacity to contract.

 

2.1     Fred now approaches you for advice. Advise him with reference to authority.                                                                                                                              (10)

 

 

2.2     Suppose Donald concluded a sale agreement with the assistance of his or her

guardian and the contract were prejudicial to him. What remedy can Donald use to escape contractual liability and what can be recovered with this remedy?                                                                                                                         (10)

 

 

 

 

THE END

2011 Exam paper


Question 1:

 

Mr Crane’s will contain the following clause: "My daughter, Amanda, inherits R90 000 and her children who are alive at the date of my death will each inherits R40 000. An amount of R10 000 is bequeathed to the SPCA." Mr Crane dies on 1 April 2009. As a result of the shock of his death, a pregnant Amanda is rushed to hospital on the 4th day of April 2009 for an emergency C-section. Whilst the umbilicus cord is still attached, Amanda’s child, Pete, managed to breathe once before dying from heart failure. Amanda has two other children, Sam and Sarah. Substantiate each answer with reference to applicable case law and legislation.

 

1.1             In lieu of the facts which natural persons will inherit from Mr Crane?                     (5)

1.2             Would the position be different should Pete have been still born?                         (5)

1.3             Which provisions of the Births and Deaths Registration Act, Act 51 of 1992, will be applicable in respect of 1.1 and 1.2 respectively?                                                             (5)

             [15]

 

Question 2:

 

 

Anne and Ben, both unmarried, lived together for two years. When they separated, Anne was pregnant. She marries Jake and later gives birth to a son, John. Anne initially agreed that Ben could have contact with John. However, two years after John's birth, Anne refused to allow Ben any further contact with John.

 

2.1       What is the principle in terms of which it is presumed that Jake is the father of the child?                                                                                                                         (5)

 

 

2.2       Inform Ben on his parental rights and responsibilities in respect of John.               (5)

 

 

2.3       Will your answer to 2.1 be different if Anne had sexual relations with Ben and Jack respectively? Motivate your answer by referring to the concept exception plurium concubentium?                                                                                                  (5)

 

 

2.4       If Anne was married to another female, Arizona, and the child was conceived by means of artificial insemination, would the child be acknowledged as Arizona’s child? Reference must be made to case law in answering the question.                              (10)

 

 

2.5       Should Ann have wished to terminate her pregnancy, does the termination of the pregnancy in terms of the Choice on Termination of Pregnancy Act 92 of 1996 infringe on her unborn child’s right to life?                                                                       (5)

 

 

                                                                                                                                    [30]

 

Question 3:

 

Joey is 31 years old. She was living and working in Pretoria until she was retrenched last month. She is now living with her mother in Benoni until she finds a new job. Joey wish however to return to Durban, where she was born. In lieu of the requirements for domicile of choice, where is Joey domiciled?                                                                                             [10]

                                                                                                                                   

 

Question 4:

 

 

Derek Ahoy, an experienced sailor, has been missing for 20 years since he departed from Cape Town harbour on his voyage to Italy.  In answering the following questions make reference to case law or legislation where possible.

 

 

4.1       Can Mrs Ahoy remarry once the presumption of death order is granted?                (5)

 

 

4.2           Briefly outline the procedure involved in bringing a common law application for the   

        presumption of death with reference to case law.                                               (10)

                                                                                                                              [15]

 

Question 5:

 

Donald, a 17-year old minor, lives and works in Pretoria while his parents live in Cape Town. He has a bank account in which his salary is deposited, and he fully supports himself. He rents a flat from Fred and pays his rent monthly by cheque. The last two cheques were dishonored when they were presented for payment. Donald refuses to pay for the rent because he is a minor and therefore does not have capacity to contract. Fred now approaches you for advice. Advise him with reference to authority.                                                                                 (10)

 

 

Suppose Donald concluded a sale agreement with the assistance of his or her guardian and the contract were prejudicial to him, what remedy can Donald use to escape contractual liability and what can be recovered with this remedy?                                                                        (5)

                                                                                                                                    [15]

 

 

 

Question 6:

 

 

Briefly explain how the following diverse factor/s may affect a person’s status:

 

6.1   A juristic act performed by a mentally ill person during a lucidum intervallum?             (3)

 

6.2 Physical disability to manage his/her own affairs.                                                       (3)

 

6.3 Intoxication.                                                                                                             (3)

6.4 Prodigality.                                                                                                              (3)

6.5 Insolvency.                                                                                                              (3)

THE END