Proximate Cause

The proximate cause, the judgement noted, was a inherent flaw in humanity
And independent arbitration later confirmed the troubling lack of integrity
For the balance sheet of morality revealed a shortage of spines
Hence the application for blanket coverage was duly denied

Of course there was an immediate appeal, and call for a renewed appraisal
But what book value gives to the brave is but a fickle wind in their sail
That bears little resemblance, in the long run, to notional value
Leaving no protection even as incurred losses continue to accrue

The final auditor's report relied on the coordination of benefits
The surety bond's terms and conditions were adjusted on a valuation basis
Moral hazard observed on the rider raised the issue of contingent liability
The underwriters had stressed upfront this feature of the joint-life annuity

The proximate cause of the variety of perils, again, were those insatiable appetites
Statutory accounting noted negligence in the underlying interest on the surplus line
The risk profile belied the damage, this failure to protect the least of us
A lack of restraint and consideration; injurious exposure was the consensus

The force majeure clause was invoked due to the concurrent causation plainly evident
The claims adjuster rallied, and negotiated a structured settlement
The salvage agent came to terms on the matter of replacement cost
Quoth the soul insurance provider, "What paradise have we lost?"

Reasons, a playlist

A soundtrack for this note (spotify version)

• Reasons by Earth, Wind & Fire
• A Few Reasons by Dwele
• Give me the Reason by Luther Vandross
• Ain't that Loving You For More Reasons Than One by Luther Ingram
• Reason by Maze ft. Frankie Beverley
• Just Another Reason by Donny Hathaway
• Reasons by Minnie Riperton
• The Reason by Sharon Jones
• These are the Reasons by Angie Stone
• Ain't that Loving You by Dennis Brown

...

Timing is everything
Observers are worried

See previously: Soul Insurance and Rhythm of Loss

File under: language, humour, satire, culture, observation, folktale, Ghana, Africa, storytelling, poetry, whimsy, myth, Social Living, Observers are worried, Buyer's Remorse, covidious, insurance, toli

Writing log: May 5, 2021