Documents published by the California Senate on this site

From Thu Jun 15 16:11:30 2000
Date: Thu, 15 Jun 2000 06:20:18 -0400
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"Defiance to Tyrants is Obedience to God."



"The day a friend and colleague turned sixty, I was fortunate to 
share with him the wait for a bus ride home.  'Until I turned sixty,' 
he said, 'I never realized how little time I had left.' In the years 
that followed, I watched his frantic race trying to discover why 
he'd been doing what he'd been doing for the past sixty years.

Not why he and I had spent decades using high-tech physics to fine-tune 
low-tech farming.  In several regions of the developing world we 
had been able to double farm yields with little or no addional capital 
investment.  the reason for our efforts was obvious: starvation is 
not pretty anywhere.

His question was much more basic.  Why bother being 'good'? Is there 
a transcendent aspect of life that warrants our being good, that 
might give a meaning to our lives that is fundamentally different 
from that of other animals?

For someone who waits until age sixty to ask the meaning of life, 
what the ultimate in life can be, the awakening can be frightening." 

CYBERCOMMENTS: Being of a scientific bent, I am usually dubious of 
books that purport to reconcile the spiritual with modern physics 
and such.  Usually they are written by people who don't quite know 
what they are talking about in either discipline.  The quote above 
is from one such book that works -- "The Science of God; The convergence 
of scientific and biblical wisdom" by Gerald L. Schroeder, a distinguished 
physicist and biblical scholar -- ISBN 0-7679-0303-X

Speaking of the spiritual, the new single by Sinead O'Connor "I Have 
a Healing Room Inside Me" from her album "Faith and Courage" is very 
inspirational, IMHO.  Get it.

In case you're wondering what this all this has to do with insurance, 
you don't think a few broken-down webhacks would have a chance against 
mighty Allstate, who is richer than God and owns every politician 
worth owning, unless they had some help.  Now I'm not saying Who 
is behind us, but I tend to think Allstate is doomed.  They are part 
of the corruption and evil of the past that is rapidly being swept 
away by a Change that is sent from on high.

You know, it astounds me that insurance CEOs, most of whom have enough 
to live on for life, with the huge stock options they vote themselves, 
Persist in a life of greed and theft, often well past sixty.  They 
don't have that much longer to go before they are dead.  What can 
they be thinking? What reason can there be to pile up your tenth 
million based on the pain and suffering of countless victims of fraud 
and wrongdoing? Maybe they think they Can take it with them.  

I can understand pushing morality a bit when you have nothing, or 
not enough, but when you have more than you could possibly ever need, 
why do the wrong thing? This is a time when you should be giving 
back for the good fortune you were granted -- not raping more.



This is what an agent has to go through to get a small change on 
a policy:

If you do this type of endorsement properly, it should only take 
12 weeks to process. First of all, I have discovered that the first 
layer of customer service that you reach at the centers cannot do 
anything but tell you they cannot process whatever it is you have 
requested. The key is to get through that first layer and reach the 
next level. At the second level they are instructed to tell you to 
call underwriting to get it done. After you call underwriting and 
are told that customer service is suppose to do that request, you 
are elgible to reach the third level of customer service. They are 
only available after the process has gone undone for six weeks.

You are in the driver's seat now as once you reach the 3rd level 
because your endorsement is within 6 weeks of being completed. (Customer 
contact, if they are still a customer, is required at this point.) 
Once you have told the customer their request is only 6 weeks from 
completion, you now can reach the holy grail of C/S reps-Level 4. 
At this level, you are told that they can only process this request 
if it was not previously completed because of a company error. If 
you cannot prove it was a company error, you will be told to contact 
underwriting(see level 2.) If you can prove it was a company error, 
you are told it is an Alstar problem or if they cannot get you to 
believe that one,your request is given to the person you originally 
talked to(level 1) and is processed within 6 weeks( 12 weeks total.)

I have told my AM about this and when investigated, the AM was told 
to contact underwriting and underwriting told the AM to contact C/S 
as it was their problem since the U/W were moving to Hudson, OH and 
could not be bothered with C/S problems. The AM called me today which 
indicates that level three has been reached. I figure I am only 6 
weeks away from an answer as to why the C/S centers are so messed 
up. I will keep you posted.



For Allstate in CA, in which I have had an indirect hand. I am but 
a flea to mighty Allstate, but I'm happy.  As long as they scratch 
right when they're near that cliff.



Also did some conversions on the Market Conduct Exams released by 
the CA state senate.  Here they are:



This week's unanimous U.S. Supreme Court ruling, that an HMO cannot 
be held accountable in federal court when its financial incentives 
to doctors for limiting treatment injure a patient, is only the latest 
blow in the ongoing assault on the rights and options of consumers 
to challenge repugnant, bedrock corporate practices.

Justice David H. Souter wrote for the court that the HMO industry 
would collapse without such financial incentives and "The federal 
judiciary would be acting contrary to the congressional policy ... 
if it were to entertain (a claim) portending wholesale attacks on 
existing HMOs solely because of their structure." In other words 
if HMOs or any other corporation occupies morally questionable ground 
for long enough the companies can have possession of it.

Such fallacious reasoning, gaining popularity elsewhere, is leading 
to the evisceration of the rights of individuals to challenge unethical, 
systemic corporate practices well beyond the HMO arena. This Thursday, 
for instance, the United States Senate Judiciary Committee will vote 
to limit the ability of injured consumers to band together to hold 
any corporation accountable through class action lawsuits.  California 
Senator Feinstein holds a key swing vote on bi-partisan, corporate-backed 
legislation that would preclude most state court class action cases.

Under S 353, tobacco companies, gun manufacturers, polluters, HMOs 
and other large corporations could remove cases valued at $75,000 
or more to federal court where pleading standards are higher, judges 
are not likely to extend state laws and the high vacancy rate has 
already created a staggering judicial backlog and delays. As of April 
1, there were 76 judicial vacancies and 20 judicial emergencies, 
with only 34 judicial nominees confirmed in 1999.  In opposing S 
353, the U.S. Justice Department notes the bill "would transfer nearly 
every class action from State to Federal Court," "expand the already 
overloaded Federal docket," and "state residents would effectively 
be denied access to their own State courts."

Complex and fact intensive class actions have been handled far more 
effectively in state courts because of the resources available there. 
The tactics of the corporate backers of the bill are to close an 
entire venue to injured consumers, thereby crippling the judicial 
capacity to hear systemic complaints against corporations and overwhelming 
the infrastructure available to try the complaints. Toward this end, 
S.353 also imposes waiting periods and other hurdles to bringing 
class actions that the Justice Department characterizes as "burdensome 
and expensive duties.calculated more to deter meritorious class actions 
than to yield fairer class settlements."

This legislative assault on individuals' rights is of particular 
import for HMO patients. The U.S. Supreme Court ruling this week 
closed down federal court as an avenue to invalidate systemic HMO 
cost-cutting practices.  The only hope for injured patients seeking 
to challenge systemic HMO abuses are state courts, where several 
class action cases are pending against HMOs for unfair business practices. 
 S.353 would pluck these cases out of state court and subject them 
to far more onerous federal hurdles and delays, dealing potentially 
deadly blows.

Class actions are a particularly vital resource for California HMO 
patients because HMOs have already usurped the rights of patients 
individually to go to any court against the company, forcing individual 
cases into binding arbitration, a private judiciary where deliberations 
are secret and abuses frequent.  California judges have ruled, however, 
that when patients come together as a class, particularly one that 
includes members of the general public and not just HMO members, 
binding arbitration does not have to apply.  If Senator Feinstein 
votes to restrict the right of individuals to band together in state 
class action lawsuits, HMO patients will be among the most significantly 
damaged segments of a general public that will have lost a great 
deal of its ability to collectively hold renegade corporations accountable.

Consumer advocate Jamie Court is co-author of "Making a Killing: 
HMOs and the Threat to Your Health" (Common Courage Press, 1999). 
To respond, email



On NPR's Morning Edition last week, Nina Tottenberg said that if 
the Supreme Court supports Congress, it is in effect the end of National 
Public Radio (NPR), the NEA & the Public Broadcasting System (PBS). 

NPR and the arts are facing major cutbacks in funding. In spite of 
the efforts of each station to reduce spending costs and streamline 
their services, some government officials believe that the funding 
currently going to these programs is too large a portion of funding 
for something which is seen as not worthwhile.

CYBERCOMMENTS: Although I am a tech myself, we live in an world where 
most techs can't read well, can't write well, and worst of all, can't 
sift a false argument.  Which is why they keep electing crooks and 
fools who serve Big Insurance or other wrong.  Sources like NPR help 
keep Some culture and intelligence alive.  They also tend to Expose 
bad arguments and crooked politicians, which is the real reason, 
IMHO, that the govt is trying to kill them off. The govt gives billions 
to corporate welfare.

I will be sending a separate petition for you to sign if you want 
to support NPR against the legions of "stupidifying" political goons 
who want to keep us dumb, docile, and in the dark.



How corrupt our financial leaders are, here is the tale of the historic 
fraud bust in Wall Street:

My only caveat is that federal investigators are supposed to be trying 
to stop the infiltration of organized crime onto Wall St.  Sorry 
fellas, if you look at what Allstate and other large stock companies 
are doing, organized crime is Already There.



Here is a rather scary report of the govt's biowar against its own 

=== Chemical and Biological Weapons at Home ===

The Army has acknowledged that between 1949 and 1969, 239 populated 
areas from coast to coast were blanketed with various organisms during 
tests designed to measure patterns of dissemination in the air, weather 
effects, dosages, optimum placement of the source and other factors. 
Testing over such areas was supposedly suspended after 1969, but 
there is no way to be certain of this. In any event, open air spraying 
continued at Dugway Proving Ground in Utah.

Following is a small sample of the tests carried out in the 1949-69 

Watertown, N.Y. area and Virgin Islands 1950: The Army used aircraft 
and homing pigeons to drop turkey feathers dusted with cereal rust 
spores to contaminate oat crops, to prove that a "cereal rust epidemic" 
could be spread as a biological warfare weapon.

San Francisco Bay Area

September 20-27, 1950: Six experimental biological warfare attacks 
by the US Army from a ship, using Bacillus globigii and Serratia 
marcescens, at one point forming a cloud about two miles long as 
the ship traveled slowly along the shoreline of the bay. One of the 
stated objectives of the exercise was to study "the offensive possibilities 
of attacking a seaport city with a BW [biological warfare] aerosol" 
from offshore. (emphasis added). Beginning on September 29, patients 
at Stanford University's hospital in San Francisco were found to 
be infected by Serratia marcescens. This type of infection had never 
before been reported at the hospital. Eleven patients became infected, 
and one died. According to a report submitted to a Senate committee 
by a professor of microbiology at the State University of New York 
at Stony Brook: "an increase in the number of Serratia marcescens 
can cause disease in a healthy person and...serious disease in sick 

Between 1954 and 1967, other tests were carried out in the Bay Area, 
including some with a base of operations at Fort Cronkhite in Marin 


1953: 61 releases of zinc cadmium sulfide in four sections of the 
city, involving massive exposure of people at home and children in 
school. The substance was later described by the EPA as "potentially 
hazardous because of its cadmium content", and a former Army scientist, 
writing in the professional journal Atmosphere Environment, in 1972, 
said that cadmium compounds, including zinc cadmium sulfide, are 
"highly toxic and the use of them in open atmospheric experiments 
presents a human health hazard". He stated that the symptoms produced 
by exposure to zinc cadmium sulfide include lung damage, acute kidney 
inflammation and fatty degeneration of the liver.

St. Louis

1953: 35 releases of zinc cadmium sulfide over residential, commercial 
and downtown areas, including the Medical Arts Building, which presumably 
contained a number of sick people whose illnesses could be aggravated 
by inhaling toxic particles.

Washington, DC area

1953: Aerial spraying from a height of 75 feet of zinc cadmium sulfate 
combined with lycopodium spores. The areas sprayed included the Monocacy 
River Valley in Maryland and Leesburg, Virginia, 30 miles from the 
capital. In 1969, the Army conducted 115 open-air tests of zinc cadmium 
sulfate near Cambridge, Maryland.

Earlier in the 1960s, the Army covertly disseminated a large number 
of bacteria in Washington's National Airport to evaluate how easy 
it would be for an enemy agent to scatter smallpox through the entire 
country by infecting air travelers. The bacterium used, Bacillus 
subtilis, is potentially harmful to the infirm and the elderly, whose 
immune system is impaired, and to those with cancer, heart disease 
or a host of other ailments, according to a professor of microbiology 
at the Georgetown University Medical Center. A similar experiment 
was carried out at the Washington Greyhound bus terminal. Sometime 
during Richard Nixon's time in office (apparently 1969), the Army 
"assassinated" him with germs via the White House air conditioning 

And at a building used by the Food and Drug Administration, the Army 
surreptitiously placed a (supposedly harmless) colored dye into the 
water system. Whether anyone suffered harm from drinking a certain 
quantity of that water is not known. Florida

1955: The CIA conducted at least one open-air test with whooping-cough 
bacteria around the Tampa Bay area. The number of whooping cough 
cases recorded in Florida jumped from 339 and one death in 1954 to 
1080 and 12 deaths in 1955. The Tampa Bay area was one of three places 
that showed a sharp increase in 1955.

Savannah, Georgia and Avon Park, Florida

1956-58: The Army, wishing to test "the practicality of employing 
Aedes aegypti mosquitos to carry a BW agent", released over wide 
areas hundreds of thousands, if not millions, of this mosquito, which 
can be a carrier of yellow fever and dengue fever, both highly dangerous 
diseases. The Army stated that the mosquitos were uninfected, but 
prominent scientists said that, for several reasons, the experiment 
was not without risk, and was a "terrible idea". The actual effects 
upon the targeted population will probably never be known.

New York City

Feb. 11-15, 1956: A CIA-Army team sprayed New York streets and the 
Holland and Lincoln tunnels, using trick suitcases and a car with 
a dual muffler.

June 6-10, 1966: The army report of this test was called "A Study 
of the Vulnerability of Subway Passengers in New York City to Covert 
Attack with Biological Agents". Trillions of Bacillus subtilis variant 
niger were released into the subway system during rush hours. One 
method was to use light bulbs filled with the bacteria; these were 
unobtrusively shattered at sidewalk level on subway ventilating grills 
or tossed onto the roadbeds inside the stations. Aerosol clouds were 
momentarily visible after a release of bacteria from the light bulbs. 
The report noted that "When the cloud engulfed people, they brushed 
their clothing, looked up at the grating apron and walked on."

The wind of passing trains spread the bacteria along the tracks; 
in the time it took for two trains to pass, the bacteria were spread 
from 15th Street to 58th Street. It will never be known how many 
people later became ill from being unsuspecting guinea pigs, for 
the United States Army exhibited not the slightest interest in this 


1960s: The Chicago subway system was the scene of a similar Army 


November 1964 to January 1965: The Army conducted aerosol tests over 
stockyards in Texas, Missouri, Minnesota, South Dakota, Iowa and 
Nebraska, using "anti-animal non-biological simulants". It's not 
clear why stockyards were chosen, or what effect this might have 
had upon the meat consumed by the public.

--From "Rogue State," by William Blum

Common Courage Political Literacy Course -

C O M M O N C O U R A G E P R E S S' Political Literacy Email Course 
A backbone of facts to stand up to spineless power. 

Wednesday June 14, 2000

CYBERCOMMENTS: And here I thought the army was supposed to protect 
us. Even the Nazis didn't experiment on their own citizens, saving 
that for those they perceived as the enemy.



If you go there you can subscribe to their newsletter:

Allstate to reimburse Oklahoma homeowners as part of settlement

A lawsuit filed last year charged that the insurer deleted certain 
coverages in 1991, but the company says it did no wrong in failing 
to alert policyholders.

Consumer group takes Maine insurance chief to court over Blue Cross 

This is a sore point with me.  For decades taxpayers will support 
nonprofits like a Blue Cross, with tax breaks and assistance, then 
they'll sell out, making millions for execs, while the taxpayers 
usually get nothing.  Of course, the for-profit plans charge more 
and treat people worse.  Sometimes, the nonprofs have to contribute 
to some "foundation or charity" to pay back the taxpayers, but in 
CA when this was done, the "charity" turned out to be a giant PR 
operation that backed the insurance industry and bought politicians 
with taxpayer money, raping the citizens twice.

Humana to repay government $14.5 million for double-dipping Medicare 
fees For 
eight years, Humana allegedly double-billed the government by classifying 
thousands of its patients as both Medicare- and Medicaid-eligible.

Here is another Really irksome thing.  If you were to double-bill 
your insurer on a claim, you would be guilty of fraud, face a large 
fine, and probably go to jail.  No one at Humana is going to jail. 
 Why not?

Four auto insurers slapped with fines in Colorado 
These insurance companies failed to warn policyholders about how 
to save money, and now they must pay.



Farmers Insurance Group of Companies Selects CSC's Claims Management 

AUSTIN, Texas, May 25, 2000 /PRNewswire via COMTEX/ -- Computer Sciences 
Corporation (NYSE: CSC) today announced that The Farmers Insurance 
Group of Companies, the nation's third largest home and auto insurance 
provider, has licensed CSC's claims management software for a multi-year 

The software, known as COLOSSUS(TM), is the most comprehensive knowledge- 
based claims system used today by the property and casualty insurance 
industry to assimilate and examine facts relevant to bodily injury 
claims. Through interactive consultations, COLOSSUS accesses more 
than 10,000 rules to help evaluate more than 600 trauma-induced injuries, 
providing expert guidance for both novice and seasoned claims professionals.

"We are pleased to add Farmers to our growing list of companies using 
this powerful software tool," said Ken Williams, president, Americas 
Division of CSC's Financial Services Group.

About Farmers Insurance Group of Companies

Farmers Insurance Group of Companies includes the nation's third-largest 
home and auto insurers. Headquartered in Los Angeles and doing business 
in 41 states, Farmers provides home, auto, business and life insurance 
to more than 8 million households through 15,000 agents and district 
managers. For more information about Farmers Insurance, please visit

About CSC

CSC's Financial Services Group offers a comprehensive array of business 
and technology solutions which support the complex requirements of 
the evolving global financial services industry. Customers include 
more than 1,000 banks, insurers, investment firms, consumer finance 
companies and other major financial services organizations around 
the globe.

Computer Sciences Corporation helps clients in industry and government 
use information technology (IT) to achieve strategic and operational 
objectives. With 58,000 employees in more than 700 offices worldwide, 
the company tailors solutions from a broad suite of integrated service 
offerings, including e-business strategies and technologies; management 
and IT consulting; systems development and integration; application 
software; and IT and business process outsourcing.

Since its formation in 1959, CSC has been known for its flexibility 
in its relationships with clients. Through numerous agreements with 
hardware and software technology firms, the company is able to identify 
and manage solutions specifically tailored to each client's needs. 
CSC had revenues of $9.4 billion for the twelve months ended March 
31, 2000. Its headquarters are in El Segundo, California. For more 
information, visit the company's web site at

CYBERCOMMENTS: COLOSSUS is the malign computer program used by Allstate 
to cheat clients by profiling and then lowballing their bodily injury 
claims.  Now Farmers is getting into the act. No surprise. Farmers 
is as corrupt as hell, too.  There is a lot more to COLOSSUS than 
this company admits in their publicity blurb, especially in parameters 
that can be set by the insurer's staff, resulting in claim offers 
that are Half what the fair settlement would be in the case of Allstate.

If the insurance industry paid them almost ten billion, you can bet 
they used the software to cheat ten times that much from claimants.

In addition, Twenty First Century insurance will use Colossus.  Oddly 
enough, both Allstate and Twenty First Century are embroiled in the 
Quackenbush bribery scandal in CA, so it is no surprise they are 
choosing the same "type" of software.

And we previously posted a story showing how Farmers lies, cheats, 
and destroys lives.

In addition, The Hartford is also taking up this cudgel to beat injured 
claimants with.  I guess when they found how much Allstate made on 
cheating claimants, they all wanted into the act.  Maybe I shouldn't 
have been mentioning it so much -- all those companies have visited 
the site.. Maybe showing a bunch of crooks the best new tools to 
steal with is not a good idea.

Also, Great American Insurance Company, a subsidiary of American 
Financial Group, Inc. will use COLOSSUS.

Looks like Everyone is getting into the act.  If you are ever injured 
in an auto accident, kiss your life goodbye -- all the insurers will 
have a piece of software designed to turn your life into living hell.



Napster lets music fans share MP3 recordings over the net.  Oddly 
enough, the artists who are complaining about it are the old or creepy 
ones like Metallica and Dr. Dre.  A lot of the younger ones feel 
it will actually help artists, especially lesser known ones who are 
not hyped by giant recording corporations. One artist pointed out 
that most music groups only get about ten percent of what the recording 
corporation skims, and there are only a few superstars who make a 
big living -- getting more than they should largely due to promotion 
and hype -- while artists making music just as good are barely getting 

So, many artists feel it would be better for them to build up an 
online fan community by getting popular on the net, and finding some 
way to make arrangements to be "paid" directly for new work or even 
for live performances when the bandwidth improves.

The recording industry is going nuts and suing everyone in sight 
of course, but maybe the Net will create the new economic paradigm, 
since the old one is so totally unfair and corrupt. As an online 
consumerist who exposes the incredible corruption of the insurance 
industry, I know whereof I speak.

Online communities will eventually share their expertise, from songwriting 
to programming, bypassing the theiving skim of the giant corporations 
along with their deadsouled managers and uninvolved stockholders 
entirely.  And that doesn't mean things will be worse. Look at Linux. 
Windows is bloated and crashes constantly. Linux, which was developed 
for free by passionate users, is Better.  Much better.  It just doesn't 
have the economic hype and support of a big corporation, so it still 
needs more user software.  But it will get there, and so will free 
user communities.

The old ways are dead -- let them go the way of the sixties generation, 
which turned all greedy in the eighties and now Thinks they run the 

We can only hope the corporate lawyers don't stop it dead in its 
tracks. I don't think they can.  The longer I study the insurance 
industry the more I realize the current paradigm is Not working. 
 Massive economic gains in the stock market seem to be paired with 
declining quality of life and real wages.  Netonomics is all a part 
of the evolution of the race and the death of the old economic model; 
it is impossible to stop.  It was laid out a long time ago by Someone 
a bit bigger than a corporate lawyer.

The kid who invented Napster has no social life and it won't let 
him go. He spends all his time developing it. And avoiding recording 
industry lawyers. Remember, last newsletter I mentioned some of us 
just get "elected" to be part of something that Providence has planned.

Frankly, the only industry that robs its performers more than the 
recording industry are boxing promoters.  So you know what side I'm 

This doesn't mean we should discard corporate Organization, which, 
in many cases, is beneficial.  Art can be created without much organization, 
but not a computer.  It's just that the current stock-owning system, 
especially executive options, is reaching a point of diminishing 
returns.  Many corporations are literally killing themselves in chasing 
monthly stock market highs -- while neglecting long-term goals in 
favor of enriching option-owning executives with short boosts that 
they can sell off.

Go Napster.

And go, Senator Escutia, for releasing the "secret" insurance company 
market conduct exams to the CA public.

Keeping things a deep, dark secret like the insurers want, is also 
going to be a thing of the past in the net-age.  Political and corporate 
crooks will have nowhere to run and nowhere to hide from the light 
of truth and the glare of the Net.



which I could be using to further my career, along with most of my 
spare money, I am making the usual plea for contributions so I can 
expand this work instead of curtailing it.  Insurance industry flack 
artists get millions to lie to the press and politicians get millions 
to pass favorable laws.  So the public really needs the few outlets 
that are telling the truth.  Unfortunately, the word isn't getting 
out since the old media isn't doing its job.  But with better funding, 
we can own the net.  My site and Gary Weingardt's site are already 
on top of most search engines when you type in Allstate.  But they're 
only One crooked company and I have no time to expand.  If anyone 
knows of a foundation that would allow me to do this full time, please 
write.  I'm too busy doing this to resarch that.  

Most insurers are now moving on to the net.

Help us give them a warm welcome ;')

Our PO box for contributions or hardcopy info is below:


"There is no Justice but that we make it so."

The insurance industry spends tens of millions to control the  media 
and politicians.  We're lucky to scratch up twenty bucks.  

If you want to help us get more of the truth out, please send a donation 
to our box below:

Jim Mooney, webmaster
 4495-304 Roosevelt Blvd PMB # 204
 Jacksonville, FL 32210

That's all for now..

Please feel free to unsubscribe by replying to this letter with UNSUB 
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Documents published by the California Senate on this site

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Created: June 15, 2000
Last Updated: June 15, 2000