stay home and get well. >> while sitting home, phil rouss heard rumors that his company wasn't paying>> we were taking money in. money was never given back to the suppliers to pay their bills. >> rouss went to the bank and discovered that ten company checks written by his partner had bounced because of insufficient funds. and they also learned why the company had no money. >> and when i got copies of the checks i can be honest with you, i was not happy with what i saw. he was paying for his personal cell phone bill. $70, $80 a month. he was paying for his own military insurance. he was making checks to his local wine and spirits company somewhere close and buying booze. >> and phil noticed that steve white had written a check to a company called american national for $127. when he didn't recognize the company, rouss decided to call. >> she said it's life insurance. i said can you tell me more about it? she said, well, it's for $100,000. and the beneficiary and owner of the policy is stephen allen white. >> but the life insurance policy wasn't on steve white's life, it was on phil rous