I've gotta argue the reverse here. I'm a diver. I have all kinds of pictures in my house of me diving. I've been to quite a few places, and I plan on diving again in the future. BUT... I haven't been in over a year. So, when I filled out my insurance application, sitting right there with the adjuster, I explained everything to him in that manner. And I checked the box that says "No scuba diving within the last year."
I'm NOT saying that's the justification for what JY checked, but I don't think an insurance application is authoritative on whether or not he smoked, or can be used to say he committed fraud.
ALSO: Does anyone know the answer to the BC Transcript question I posted a few pages ago? Is the BC transcript complete? Did Schilawski testify to that?