I disagree about the voting. First, in most major elections only a bit more than half of individuals vote. Here, we had many people vote. Secondly, many survivors are transient in nature and hard to find because they are avoiding debt collectors, imprisoned, and have other hardships that make it difficult to communicate with. Also, if you look at most individual bankruptcy voting results---they are abysmal as far as attendance goes.
Why have the insurers not shown hard proof of fraud? They don't have any.
As far as intake goes, a survivor told their story and were not able t