[92] The evidence against Ms. Jhuti is compelling. Even on the basis of a paper record, it seems quite clear that she falsely represented to Mr. Sawah the settlement amounts of both the Accident Benefits claim and the tort claim. Her explanations for her actions are riddled with improbabilities. However, since this matter must proceed to trial in any event, I will refrain from making any actual finding of fraud against her. Her culpability will be determined at trial.