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owed on loans made against these policies. These loans had
commenced in 1976, with additional amounts borrowed in 1978,
1979, and 1981.
Lifestyle
From 1971 until 1987, Mrs. Gaskins drove a 1971 Plymouth
Fury (the Fury). In 1981 and 1982, the Gaskins also owned a 1979
Dodge truck, which they financed through Chrysler Credit
Corporation. In 1987, the Fury's transmission failed, and the
Gaskins bought a 1984 Chevrolet Celebrity for Mrs. Gaskins. At
that time, the Gaskins also owned a 1977 Cadillac and a
1973Ford. Mrs. Gaskins had the 1984 Chevrolet for only 4 days
when an accident destroyed the car. Mrs. Gaskins' father then
gave her a 1979 Ford Fairlane, which she was still driving at
the time of the trial. In 1994, the Gaskins owned a 1982 Ford, a
1979 Ford, and a 1980 Oldsmobile.
From 1968 until the early 1980's, Mrs. Gaskins had store
charge cards at the Sears and Pomeroy's department stores. She
stopped using the Pomeroy's card; the Sears account was referred
to a collection agency, and the card was recalled. Mrs. Gaskins
made payments on the delinquent Sears account, restoring her
credit rating so that during the summer of 1993, she was able to
open store charge accounts again. She has never had credit cards
such as Visa or American Express.
Mrs. Gaskins has never owned any expensive jewelry. The
Gaskins have never gone on a family vacation, nor has Mrs.
Gaskins herself gone on a vacation. The only time the Gaskins
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