semidey think it is fair to recent somebody for an innocent mistake?>> i think that playing the knowing standard is much more objective and -- >> on the first panel no one had the knowledge and they were all rescinded -- >> i'm sorry? >> on the first panel no one had a misrepresentation but they had their policies rescinded from ms. beaton all the way down to the witnesses not material misrepresentations. >> we are to determine the applicant didn't know about a specific condition we would not rescind. >> okay. .. they were being treated for acne? does not bother you? >> yes sir, it does and we regret the necessity that that has to occur even a single time and we have made suggestions that would reform the system such so that would no longer be needed. >> well, i haven't heard your opening statement. i glanced at them and nyet not heard the first round of questions. we understand the need to verify that people are telling the truth. we are not asking you guys or the insurance industry to automatically take somebody's word for it. i understand that. but,