1. Harz Family’s Closing Argument Harz, et al. v. California Capital Insurance Company

2. U.S. Post Office San Roque Station From State Street

3. The Site

4. Huge Plume $7 or $8 Million cleanup, not considering the possible damage to the lower aquifer. To this day, the size of the plume has not been determined. Plume maps show horizontal size, not vertical. Vertical definition of the plume has not been established. PCE hazardous substance. 5 ppb – less than a teaspoon in drinking water exceeds drinking water standards. 800 Feet from the McKenzie Well.

5. Concentration of PCE in Groundwater – Nov. 1999

6. “The Skunk”

7. “The Skunk” is Ten Feet From Harz Family Property 10 Feet

9. Undisputed in this Trial That Boot Breaks From Dutch Maid Caused The Contamination Dr. Anne Farr Testified that the Boot Breaks Did It No Defense Witness Testified to the Contrary John Deloreto Testified that by 1995 at the Latest, the Deloreto Trust Knew Dutch Maid Was the Skunk No Evidence Contrary to Evidence in the Harz Family’s Amended Complaint (Exhibit 32) and its Memorandum of Contentions of Law and Fact (Exhibit 39) that the Zells and the Deloreto Trust Were Legally Responsible

16. Insurer Knew Tanks Did Not Store Dry Cleaning Chemicals Exhibit 5, p. 2

17. Insurer Knew Any Contamination from Tanks and Well Had Already Been Cleaned Up Exhibit 5, p. 2

18. Insurer Knew TCE and PCE Were From Dry Cleaning Establishments Exhibit 5, p. 2

19. Insurer Knew Two Dry Cleaners Were Next to the Harz Family Property Exhibit 5, p. 2

20. But, the Insurer Lied and Said the Contamination Came from Leakage from Underground Tanks Exhibit 5, pp. 7 - 8

21. Insurer Was Looking to Deny Coverage Exhibit 5, pp. 2 - 3

22. Claims Against the Harz Family – Same or Less Than in Richard Cross-Complaint

23. Allegations of How the Harz Family Caused Contamination – Same or Less Than in Richard Cross-Complaint