Episode 111 Page 1 of 9

Episode 111 Notes TS-403283 David Clarence

Time
39:00 CRIS Court Registry Investment System, Report 2003 of CRIS, CUSIP Numbers attached to
cases (old report for 2003), Amount of bonding as well as profits. The CRIS as of 2003 had
a balance of over 2 trillion dollars no wonder everybody is in jail They have hidden the
estate from us and they appear to have the right to administer and raid the estate.
Talking with Sam Davis, he got it right away When the lawyer is caught it is Practice is
over
44:18
Mortgages
Johns case I Washington where he has property there the lender is trying to foreclose on
property there, the lending company was getting tired of it and kept transferring the deed
over to the mortgage holder and Raymond Leo and John kept transferring the deed back
to John then this new court action was filed as a foreclosure, and now it was the title
company. They dont have the standing to do such a thing they also issue the title
insurance these deeds to real estate isnt worth the paper they are written on, they
never have been and no bank can loan any money mortgage real estate based upon the
integrity of the deed because there is no integrity it is worthless so what they do is that if
you go to an lender and put in an application they require you to do a title search and
obtain title insurance before they consider the application so I submit to you what is really
going on is the mortgages are being issued against the value of the title insurance and
not the deeds. As long as the title insurance company is solvent and the bank is reasonably
guaranteed that the so called loan will be backed up by the title insurance they dont
really care if you make the payments because they have the signature on the note to trade
they have the signature on the application and they are trading that, then they want to
get paid a third time by payments for a loan that you created the credit for in the first
place and the bank didnt loan you nothing. What a racket See why lawyers are singled
out and condemned in scripture? So Here is a title company suing John, how did they get
standing to do that? They are like any other insurance company they have to pay out a
claim before they have standing They had to have a claim and pay out the claim and
the only claim had to be against the title insurance and they had to claim it so the bank got
paid, and the title company is now coming in and not explaining anything about this they
are just trying to do a foreclosure against John. And they have already been paid too
because they got the premiums So they arent really out anything and besides with an
insurance company when you file a claim they automatically take that claim and they take
it out of their cash on hand account and put it in an escrow account they do that so they
dont have to pay any taxes on it. And not it becomes a debt, and they can claim it as a
loss they didnt lose anything just transferred it to a different column in the accounting.
They wont pay the full amount on it anyway because they are going to sick these claim
adjusters to jew you down and stall you off and you have to hire another lawyer and it is
the insurance lawyers delaying you while they have the funds in the escrow account that
they are trading and using the funds making profits off of that. The amount or the excess
stays in that claim account forever they just keep investing it <snip>
51:00 John completed an executor letter properly and served it on the court administrator
properly and the case is over as soon as the judge got that, by sending it to the court
administrator you are writing to all the judges, that is why we tell you to do that, to the
office of the court administrator, Attention the Occupant of the office as soon as the
judge got that there was a mandatory default hearing scheduled the same day that they
received that letter, the judge went in and struck that hearing from the record and posted
the pdf file of the doc on a google group and then it looks like the barfly judge called up
the lying lawyers two brothers (in crime) who brought up this foreclosure and dumped it in

Episode 111 Page 2 of 9

their lap and washed his hands of it and he knows that they have been running a fraud
on the estate, so he wants to wipe his hands of that he dumped it in the lawyers lap, thats
a hot potato. Now the Lawyers practice of law attorney at law licenses are at state and his
bond is now up for grabs. That is why the judge did that the oddest thing you see on
that is another entry, where another hearing is scheduled. But this one is not verified and
it says the hearing is scheduled by the lawyer and the lawyers name is there I have never
heard of a lawyer scheduling anything in a court case; they have to pray to the court.
They dont schedule hearings, but thats what the docket said I cant imagine a clerk of
the court would allow that but they were obviously told by the judge to do that. It
doesnt really matter because the judge cam in behind him and struck that proceeding
from the docket. So its not going to take place so it seems that the judge gave the
lawyer 30 days to figure out what he was going to do about this or he is done. He is
looking at disbarment. Practice is over

In each instance where the executor letter has been completed properly and even in some
instances where it isnt really perfect, they are still doing what they are supposed to do
you are notifying these barflies that the jig is up. You know about the estate and you have
entered into the executor office and are performing the duties of the office, and now you
are demanding that they produce the written delegated authority from the executors
office for what they are trying to do. Whatever the paperwork is it doesnt matter, it can
be a court case it can be, you are paid up on your car loan or credit card, you want to get
rid of the balance, you use the executor letter, you might not be able to get another
mortgage, will they cancel your credit cards they might. Will you be able to finance
another car? That is an unknown But unless you are on arrears on your bills it probably
isnt a good idea to use the executor letter. You wont ruin your credit, but might not be
able to get any more loans so be aware of that.

That is why I warn you to know and own the subject, you have to understand it and
make it your own, it is not a silver bullet to use to slay the wolf. You have to understand
and own the subject. You have to function in the executor office competently. You risk
imprisonment. Fraud on the estate if you dont do so. Truly you do. Because yo must
act in the fiduciary capacity. Where you treat that office in that state with complete
honesty. Or you are going to pay for that if you dont; the worst crime in the world is
breach of fiduciary responsibility where there is a trust relationship. It is more serious in
the barfly realm than murder, that is why the punishment for treason is hanging. Trust
Law is the highest Law Estate Law <snip>
1:01:00 Just got skyped and email just before the broadcast tonight out in Utah, he submitted
the executor letter to the IRS criminal prosecution the case is now gone, I think it is
missing, but in either case it isnt proceeding forward. He gets a call from the public
pretender, and he is yelling at him, what are you doing what have you done, you filed a
lien against the US attorney you know you can go to prison for that? You have to withdraw
that letter, it is a letter but it is also a type of lien as well They know their bond is on the
line practice is over. The prosecutor and the defense attorneys work together all the
time. It doesnt take 500 hundred sheets of paper of pleading s and briefs, claims, etc just
to generate billable hours if you look at the CRIS report, it has those scales right on there,
the scales are not balanced, and that is a symbol of the bar association you arent getting
a fair deal from them. These bastards have ruined people and families death suicides
1:05:50 Reports are coming in as people are employing the executor letter of successes as well as
where it is not working because people are not following directions We put a third
revision in the google group (defunct) and I will answer your email (Not any more) Call

Episode 111 Page 3 of 9

with Washington-Alaskan Assembly group out there which is working with John that is
about 7.5 hrs long. Dont use the older revisions of the executor letters, they are not fatally
flawed, but it does have defects, we are revising as we see things that need to be
changed one item is on the signing line the by: executor is all lower case then you sign
after that because that is how they do it in the world. What will stop them is where it
involves the estate, these barfly courts cannot get the two things they have to have and
that is subject matter and In-Personam jurisdiction they cant get either one of them. And
even if they could they can only bring the estate into the probate courts and the probate
court doesnt have subject matter of those things <snip> this will not protect an injury to
another person and property.

Everything has a law as its foundation Natural laws etc.

Do not ever sign any worldly documents as executor Dont do that, traffic tickets,
license applications, anything, dont you dare breach this trust and intermingle it with
the world system just sign them normally and if things go array you can fall back on
the executive office and deal with it. That is your ace in the hole. DO NOT INTERMINGLE
THESE

IN the court system they want you to have an attorney because you are an incompetent
They want to take control of the estate and strip it clean, they will take the hide off of your
back for the enrichment of their pockets. Yes, you are not really married, you dont
really have a drivers license, yes, you dont really have to report for the draft, yes, you
didnt really have to go off to war, because you are an incompetent they cant make you
do that. But dont worry about those things Once you are intimate you are married
<snip>
1:18:00 Rome did not fall, we are still dealing with Roman Law without the legions Rome was
nothing after the destruction of the Rome Republic and the reign of the Creasers, that is
now what we have the police, the military, the guard they are all part of the Legion of
Rome. Your estate has more resources than anything in the world (the problem is
accessing that estate resource.) you have the ability to buy out Bill Gates (in theory) <snip>
your labor is in this estate going back generation after generation back to Adam(?)
1:22:00
Questions
















Clarification: DO NOT SIGN ANYTHING AS THE EXECUTOR EXCEPT THE EXECUTOR
POSITION EVER!!! DO NOT INTER-MINGLE COMMERCE STUFF IT IS ALL BEING DONE IN
PUBLIC, NOT THE PRIVATE. ALL UCC, A4V, REDEMPTION IS ALL COMMERCE AND PUBLIC.
THAT WILL BE A FATAL DEFECT TO YOU AND COST YOU DEARLY! YOU CAN GO TO
PRISON.

Where can I find my Master Account Number? <laughing> right in front of your eyes just
like the estate being there hiding in clear sight

Is there any problem in applying for a DOT number while still having a Driver license No it
is an incompetent activity, it cant harm you.

I would like to have you in consideration of your letter; we need to understand what you
are talking about office to office It is the power that animates the estate, it is a fiction it
is the company, it is an unincorporated company, and the occupant animates the estate.
Just like the Office of the President, Office of the Pope, etc They have applied for the
position and it is a person a dead thing that office a dead person. The executor letter is
Office to Office You are telling or asking them what in the hell are you doing and

Episode 111 Page 4 of 9















Wanted
Proof that
you are
the
executor
demanding their written delegated authority to bring a claim against the trust, the estate,
and that claim is a trust Pass, a false claim trespass they cant come against the
estate executor signs attention the occupant of the worldly office whatever it is CFO
bank, Court administrator, even if it is a local county court so you do send it locally in a
court case.

She is afraid that the person is not allowed to act as the executor the estate is already
there you are the only one that can get a original certified copy of the BC you are the
occupant of the estate, they sent the original to the first occupant of the office be it the
baby. This is thinking form the programmed side this is not about a man or a woman, it is
executor.

<snip>

Do not ever represent yourself as Grantor ever!!! Never call it MY ESTATE Because it
isnt and if you call yourself the Grantor you have nothing but Liability, as the executor you
are not liable. The grantor is out of the picture now the estate is created and the Grantor
is no more but you dont want to operate in that capacity, that takes you down to
commerce and the IRS is cracking common law trusts right and left people are going to
jail. Never admit that you are the Grantor ever! If you are asked to prove that you are the
executor just provide a birth certificate or a drivers license the executor of the estate is
the one that signed the license for the estate didnt sign as executor but he is the only
one that can sign it.
1:40:10

Executor
vs trustee,
&
beneficiary




Foreclosed
house








Ticket
Can you be the executor and the trustee both? No (but at a later time he does mention
signing as trustee on the registered mail letter but I think finally decided to go with
executor on the green card. Forget trustee No you are not a beneficiary forget that
these are commerce concepts so forget all that nonsense The executor appoints
trustees so who is above, who is in charge and who has the liability You dont explain
anything to them; you are above that in status

Mark these words you use this executor office the estate to deal with the situation in the
world and the first time you mess up these barflies will come down on you with a
vengeance to make an example out of you. They have tried to kill me several times since
1994 they did break my neck in a prison cell, turned the heat off and the water froze in
the dead of winter its the letter it stops the immediate situation you can go back in
time because there is not a statute of limitations on fraud you might not get the home
back but you will get the money back send the court administrator wherever the
foreclosure was referencing the case docket the foreclosure docket and sit back and shut
up and see what happens, you will get a communication, then contact me and see what it
is but people that want to get access to the assets that is not up to me they just want
to get the money not the sovereignty.

The beneficiary is actually the estate name on the insurance.
If you get a ticket, take the ticket and sign it normally using by: (do not use any UCC
stuff or reservation of rights etc that is all barfly commerce.) When you do it that way, it
is by an agent where there is no liability because of the word by: be polite and go
home and do an executor letter. If you want to go to war with them fine that is what
they want.
2:52:00

Questions: If somebody has changed their name what name should they use the original
name is used the name change does not replace the cert of birth. For a person held in

Episode 111 Page 5 of 9







House raid


IRS Sale
hostage, how does a person incarcerated do for post just use General Post. Use the
street address of the institution. If they refuse to mail your mail then file a complaint to
the Postmaster or the Postal inspector. They dont accept legal size paper

<snip> on the correctional system and paper availability

Chet from Oregon just raided by CID, took all his books, letters, etc I would love to send
them a nice letter so attention Office of the court administrator holder of the office, trial
court administrator, executive director of the courts, call the office and ask if they are the
acting court administrator. You want to be accurate on the documents and you dont want
to give any indication that you are less then confident. What about the case where the IRS
sold your house at an auction, go through the paperwork where the manager of the ACS
transmitted some documents, and you send them to the office of the manager of the ACS
and addressing it to the office where the occupant is the managers name and put the IRS is
harassing you in the paragraph it has to go to office. it has to be an actual office of the
director or something like that. Do your research and do it correctly it has to go certified
mail. Snail mail first class and the sticker has to be in the passing lanes Everything that
is written on there is specific Dont make any changes to the executor letter. These
must be notarized by the notary because the estate is in commerce (I believe this was
changed later.)

Q) EIN, Have you been given access to your estate, on previous call on the 28
th
you said
you were still getting the SSD. No I am on full SS since 1999 Is the name still getting SS?
Yes, although this is the third time I have been on this, even though treasury direct
recognizes the name all caps as being dead. My doing that and obtaining the EIN number
has not had an impact on that and will not because the SSN is a different account and the
status is different at some point, as long as I dont have an income I will not be falsifying
or creating a fraud can the estate provide for me? Yes, because that is not income
those are just things to maintain the occupant of the executor office.

Q) CDL? You will need that CDL to function in the world <snip> We dont know any way
for getting around that right now there has to be an exemption for everything we just
dont know it right now.

Q) Is there any kind of enforcement needed for this? No if it is a state issue, you can copy
the Office of the Gov, because he appoints the Sec of State and that rascal charters all of
the corporations and theyre responsible to keep them in line and if they bring a false
claim against an estate their charter certification should be pulled and put out of
business and the AG, two fundamental duties is to protect all estate and trusts by
virtue of the certificate of birth. It wont do you any good to write to the white house on
issues so just write to the sec of state if it is a US court, IRS or something like that you
can copy the gov. and Atty general

Place their documents in a separate envelope and enclose it do not attach it to the estate
in any way.

IAS form? Know who the Master account holder the Office of the executor and the
Occupant have access to the Master Account, but what is the Account number? It is
probably at the department of the treasury or at least one is there with at least 10 more
at other Fed Reserve banks It has to attach to you (Social with an F on it) Probably the

Episode 111 Page 6 of 9

Federal Reserve Bank of the region that you are born in.
2:39:00 Looking for the CUSIP number associated with the Account, there are many CUSIP
number every certificate of birth, social security care, (every document creates a CUSIP
number). The CUSIP number is proprietary to the SEC? I dont know What about going
to the registrars office on your BC? They dont know anything
2:41:00 Enforcement The letter actually removed their enforcement jurisdiction ability your
letter basically takes the bullets out of their guns Always use the restrictive signing of
any documents using by: dont particularly sign as executor although we are not sure if
that is a problem. It does the same as authorized agent to remove the liability from what
you are signing.
2:49:30
Iris
comment
on the
books
focusing
on Trustee
rather
than
executor




State and
trustee
position of
Governor
The books focus or talks about Trustees rather than Executor, they are both fiduciary
capacities and they are both functioning under trust law, the executor primarily has the
duties of liquidating the estate and paying all the debts and distributing the proceeds left
over to the beneficiaries but in this instance you are dealing with an estate that through
the activities of the all caps name the world is generating assets for the estate over time,
using bank accounts working you are continuously generating assets so even though the
trust has been probated the assets are growing all the time and its an never ending
situation until the being passes on so there is a twist somewhat like worldly estates
that has investments. But you are dealing with investments that you cannot liquidate
You are dealing with assets that you cannot liquidate you cannot close that estate until
the flesh passes No that just passes on to the next in line that is where you get the
perpetuity Yes, its an impossible estate to liquidate so you cannot function in a normal
executor capacity so all you can do is to manage the assets. There is no real need to
create any trust to distribute any benefits to anyone probably the social security is a trust
anyway I cant say for certain right now. Its like these estates are pooled together and
put into a trust separate from the estate the trust of the corporate state that is Whare
the Governor comes in as the governor actually is trustee for his respective state. So if he
is a trustee, there has to be a trust somewhere and that trust has to be a RES Right, he
may be a trustee in some capacity more like a conservator trust relationship not really
to manage then you have the delegation and you still go back to the normal law of real
property which is first right of use. When you get into that would be the executor. It would
follow that if the Governor is in a type of a conservator trustee position, it follows that the
estate attorney general would be in a protectorate trustee position to protect the estate
that is why you copy them.

It would be interesting if you approached them personally with an issue involving the
estate and the raid on the estate. That would be interesting. The most important thing is if
they denied it that they cannot deny it; they cant how are they going to deny it? (Even
with all the evidence, UFOs are still denied by the Government). You have them in a
catch-22 they cant deny it the existence of the darn estate especially when it was created
through probate, the thing is that we volunteered ourselves right into their jurisdiction by
leaving the probate; we abandoned the estate without knowing it. Volunteering through
ignorance and not doing our due diligence but how are we to suspect that such a thing
exists The more I talk about this the more I am convinced the Governor plays a leading
role in this somehow some way Each state is its own independent functioning country or
nation and he is responsible for the trust of the nation and there must be a way to cover
the Governor on the private and the public. With that aspect, you can really hold his feet
to the fire along with the attorney general, the attorney general is going to know the law
form that you are approaching them with and I think if you start at the top and you get the
top squared away, they will send the word down Its better if you do that in writing and

Episode 111 Page 7 of 9

you are not confronting them personally and they can deal with it in the background and
reign whatever the situation in and deal it The Gov, he is a political hack and doesnt
really have a clue the attorneys attached to the governors office and the secretary of
state and the Dept. of health know what is going on, and the treasurers office
<discussion on the body being an actual outlying island>
3:00:00





Accounting
of the
estate
finances

Dont want
to collapse

Identify for
immunity
as
executor
How does one do a change of address to the general post office for an SSI check? They
want you to contact their office or go there When I did my change of address I just went
online and did it and at the time, it allowed me to do the change of address online and
print it out and sign it and it instructed you to walk it into the post office and hand it over
the counter <snip> print everything in lower case

As the executor, you have the authority to call for a forensic accounting of the estate the
question is who would be the person notified of that the corporation that has been doing
the accounting for that estate, that would be very interesting one day. If you are looking at
the financial side of it, maybe you dont want to collapse it because then the assets will
stop I dont think we ever want to collapse it but make sure that we need to
disenfranchise ourselves with it or we need to be differentiated from the fiction estate I
think that is already being done as responding as the executor of the office of the estate.
Once you have established yourself in that capacity, once you identify yourself within your
status, that is your immunity this takes place in the space between your ears When you
do not identify yourself as the executor you are admitting to being the surety of the
estate it is their presumption because you have said nothing. Therefore you are
responsible for all debts, actions and liabilities for the estate and you volunteered to be
the surety for it.
3:08:30 Never surrender the B/C ;
Eventually we want to access the assets
If you have a certificate of birth from another country, it is most likely an estate if under
the world bank.
See if there is a bond number in addition to the certificate of birth
What is the RES of the state it is the earth, minerals, water, etc the labor of the man
and woman and their offspring.
3:23:00 Does the estate have a trustee? Not sure The state is the holder of the estate assets,
which is what gives the state its wealth, and the access of the wealth through the estate
The state governor or the AG could be trustees of the estate perhaps the department
that issued the BC, If you gain access to the estate you might want to set up trusts for
humanitarian reasons I dont believe these estates are under any worldly creation, even
though the corporate state I dont believe the corporate state created the estate, the
grantor did all the corporate state did was register the act, all the corporate state did
was to inventory the assets, yes I am not saying they are the creator, they are the holder
of the assets the assets of the estate it is through their raiding the estate assets that
gives the state its wealth, and access to wealth through the assets of the estate It is
undoubtedly the foundation for its legal fiction activities there has to be something De
Jure there as the foundation there and it is probably these estates The office of man and
woman is a superior office to the executor
3:29:00 On the BC there is a file number so you have the date it was filed; then you have an issued
date, when that specific certificate was printed out and given to you is there another red
number (might be outside of the boarder) that is probably a bond number This is
connected with the IMF International Monetary Fund
3:35:00 Why would the IRS Issue a foreign central bank of issue EIN number to the all capital name,
how can that be a bank? How can that name register with the federal reserve as a financial

Episode 111 Page 8 of 9

institution? The name has an ABA (American Banking Association) number that the Federal
reserve recognizes it already had the number, it was just discovering what that number
is It is like where is the Master Account number, where can you find it? Its right in front
of your face we just cant see it it is in the details (Discussion on creating and
expending personal energy in everything).

How does the werewolf steal the energy of the sun during the night? Through the
reflection off the moon. (Transmitting Utility taking our energy from us without our
permission).

(other discussion the estate has been probated already, this happened when the death
was declared at the birth; all the probate does is to rubber stamp the what the occupant of
the executors office has decided to do and has done; unless there is an impropriety, then
the court will point that out for correction the gig is that if they are going to come after
the estate which they can do because the estate is actin gin commerce and may be
creating injury in commerce but if they want remedy to injury in commerce, they have to
go through the correct venue and if they go into probate the gig is up Yes, they will not
go into probate and give up the gig No they wont, thats where the remedy is, the
bottom line is as we talked earlier take them out of the venue and put them in the venue
where they wont go... that is all we are doing Yes.
3:56:00

James
Masison
James plugs his health web site resources http://4U2Bwell.com (not available)
Commerce has to co-habitat with probate the dark side will always exist The
Constitution is irrelevant politics, tea party, everything are the actions of incompetents.
The Jamemadison@enhhoergy.com Not sure if this email is still good. I have not had any
success with jamesmadisontoday@gmail.com

I think the forefathers had a better idea as to what we are talking about and tried to bring
that forward in their original writing was that they called the perfected supreme
republican declaration of the United American Colonies and it had nothing to do with the
contracts or a compact or Con-stitution as it were A lot of people dont know that The
essence of what we need to know is who we are and what we are

The creation cannot have higher control or authority then the creator
4:18:00
Mail







Trying to
get you to
be the
surety or
outside of
the
executor
office.
Caller: As long as we achieve a distinction and separation of the addresses between the
man and the estate, that should be good enough DC The powers that be will not send
their mail or documents to a general mail location because they know that is foreign and
it is not domestic they know there is no jurisdiction in that location. This is the advantage
of removing the number off the door and if they come calling you ask by what authority
do they come here? They ask what is your name, and you ask who are you? They are the
intruder they want you to identify yourself as that entity that they can attach their
jurisdiction to. Are you so and so well who are you? What is your business here with the
estate? And that will set them back well are you so and so, I am the occupant of the
executor of the estate spell it out saying Capital D, Capital A, Capital, R saying estate at
the end ask them what they have there dont touch the paperwork and dont let them
touch you. I dont know what you are talking about because that is the estate that is not
me. It is all deception, and they may not know themselves. EVERY POLICE OFFICER HAS TO
GET YOU TO IDENTIFY WITH THAT ALL CAPS NAME If you admit that is you then they
have you no matter what they do, fingerprints, photo, anything they have to get you to
say that is you and accept being the surety As long as you maintain that they are talking
about the estate you can ask them why are they disguising that why dont they have

Episode 111 Page 9 of 9


You are
the
Occupant
of the
Executor
Office
estate at the end of it I am the occupier of the executor office for that estate, well what
is your name, that is not important its a private estate What kind of estate is that? Its
none of your business, it is a private estate its above your pay grade. They are trying to
create a controversy they come in with a chip on their shoulder they are the
warmongers If you dont tell me your name I will arrest you I will put you in cuffs I
will charge you with obstruction Before you do that I suggest that you get your
supervisor here because you dont understand what is going on here and the
repercussions, your pay grade and information is to low, you dont understand what is
going on here you need to get your supervisor here he can call the DA and know

You changed jurisdiction on them and they cannot go there if you stay and maintain
yourself within the office of executor The attorneys take some secret oath (Without
knowing or understanding the oath) the same as a mason
Thieves Oil Thieves oil kills 80-90% of everything contains 40 drops clove, 35 drops lemon oil, 20
drops cinnamon oil, 15 drops eucalyptus, 10 drops rosemary oils blended.
4:48:00 Discussion or monologue by David
4:54:00 CAFR cafr1.com Combined annual financial report Just about any executor version letter
will work. The estate functions on the private side and the government functions on the
public side, the SSI operates on the public side Im not sure that the executor office or
estate can rectify that situation because it is a public issue and not a private one Im not
sure that it will apply. In fact you could run the risk of notifying the SSA that the recipient
of those benefits is dead and they may cut the benefits off completely perhaps having
a 38 EIN
5:04:00

Old Court
cases
Q) Can the letter be used on an Older court case judgment? YES I covered that earlier as
there is no statute of limitations on fraud and where it involves the estate I believe the
barfly world system of limitations do not apply in any way shape or form because the
estate is immune to such things Should those statutes of limitations apply, they should
not kick in until you discover the fraud. Then I believe you have at least a year to address
it once we understand our parents and grandparents estates we will be using new
things