                     REVISED November 21, 2016

        IN THE UNITED STATES COURT OF APPEALS
                 FOR THE FIFTH CIRCUIT
                                                                  United States Court of Appeals
                                                                           Fifth Circuit

                                                                         FILED
                                 No. 16-30009                     November 17, 2016
                                                                    Lyle W. Cayce
ROBERT DEPERRODIL,                                                       Clerk


                                           Plaintiff - Appellee

v.

BOZOVIC MARINE, INCORPORATED,

                                          Defendant - Appellant




                Appeal from the United States District Court
                   for the Western District of Louisiana


Before JOLLY, BARKSDALE, and SOUTHWICK, Circuit Judges.
RHESA HAWKINS BARKSDALE, Circuit Judge:
      In this maritime-tort action for injuries arising out of plaintiff’s being
taken to a work site on a vessel operated by defendant, a third-party tortfeasor,
primarily at issue is whether the collateral-source rule allows plaintiff to
recover the unpaid, written-off portion of his billed medical expenses, when the
remaining, paid portion of the billed expenses was through workers’-
compensation insurance provided by his non-tortfeasor employer, pursuant to
the Longshore and Harbor Workers’ Compensation Act (LHWCA). Also at
issue are: whether liability can be imposed on the vessel’s owner for injuries
                                   No. 16-30009
suffered in rough seas when the passenger knew the weather conditions and
risks; and whether a district court may use an above-average work-life
expectancy to calculate future lost wages. AFFIRMED in part; VACATED in
part; REMANDED.
                                         I.
      Robert dePerrodil was injured while aboard the M/V THUNDERSTAR,
a 65-foot crewboat owned and operated by Bozovic Marine, Inc. DePerrodil, a
70-year-old oilfield consultant with more than four decades of oilfield
experience, worked for Petroleum Engineers, Inc. (PEI). PEI chartered the
vessel, operated by Captain Bozovic, to take dePerrodil from Venice, Louisiana,
to his work site on an offshore platform.
      When dePerrodil and Captain Bozovic realized dePerrodil would not be
able to board the platform because the liftboat was not present, dePerrodil
asked Captain Bozovic to return to port. Facing rough seas while returning,
Captain Bozovic steered the vessel over an eight-to-ten-foot wave at full
throttle; but, he did not decelerate upon reaching the crest. The vessel fell into
the wave’s trough, causing dePerrodil (who was standing in the wheelhouse)
to fall to the floor. He suffered, inter alia, injuries to his back.
      Pursuant to the LHWCA, PEI carried workers’-compensation insurance
for dePerrodil. See 33 U.S.C. § 932(a)(1). That insurer for PEI paid $57,385.50
for dePerrodil’s medical expenses.
      Following a bench trial for this action based on admiralty jurisdiction,
the court concluded Bozovic Marine was negligent for: failure to “request that
dePerrodil go to the passenger area of the vessel”; failure to stay apprised of
the weather conditions; and “erratic operation” of the vessel. DePerrodil v.
Bozovic Marine, Inc., No. 6:13-cv-849, 2015 WL 8542829, at *3 (W.D. La. 10
Dec. 2015). As a result of the court’s concluding dePerrodil was comparatively
negligent for staying in the wheelhouse, instead of moving independently to
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the passenger compartment, dePerrodil received 10% liability; Bozovic Marine,
90%. Id. at *4.
      In awarding dePerrodil $984,395.52, id. at *7, the court held, inter alia,
the collateral-source rule barred any discount of the medical expenses PEI and
its insurer were billed, but not required to pay. Id. at *4–5. Accordingly, the
court awarded the full amount of those expenses billed for dePerrodil’s
treatment, $186,080.30, even though only approximately one-third of them
were paid. Id. at *7. And, in calculating future lost wages, the court used an
above-average work-life expectancy of 75 years, as recommended by an expert
vocational-rehabilitation counselor. Id. at *6–7.
                                        II.
      Maritime law governs this action. See Exec. Jet Aviation, Inc. v. City of
Cleveland, Ohio, 409 U.S. 249, 253 (1972).          Courts exercising maritime
jurisdiction apply general principles of negligence law to tort actions. See, e.g.,
Canal Barge Co. v. Torco Oil Co., 220 F.3d 370, 376 (5th Cir. 2000); Daigle v.
Point Landing, Inc., 616 F.2d 825, 827 (5th Cir. 1980).
                                        A.
      Regarding Bozovic Marine’s maintaining the court erred in finding it
liable for 90% of dePerrodil’s injuries, the determination of a legal duty is
reviewed de novo. Theriot v. United States, 245 F.3d 388, 394–95 (5th Cir.
1998). On the other hand, findings of negligence, including causation, are
reviewed for clear error. See Trico Marine Assets, Inc. v. Diamond B Marine
Servs., Inc., 332 F.3d 779, 786 (5th Cir. 2003).     Accordingly, the conclusion
that Bozovic Marine owed a duty of reasonable care is reviewed de novo; the
findings of fact, pursuant to the proper legal standard, for clear error.
      In a bench trial, the court must make separate findings of fact and
conclusions of law. Fed. R. Civ. P. 52(a)(1). “Findings of fact, whether based
on oral or other evidence, must not be set aside unless clearly erroneous, and
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the reviewing court must give due regard to the trial court’s opportunity to
judge the witnesses’ credibility.” Fed. R. Civ. P. 52(a)(6). “A finding is clearly
erroneous when the appellate court, viewing the evidence in its entirety, is left
with the definite and firm conviction that a mistake has been made.” Bertucci
Contracting Corp. v. M/V ANTWERPEN, 465 F.3d 254, 258–59 (5th Cir. 2006)
(internal quotation marks omitted).
                                        1.
      For the following reasons, the proper legal duty was applied.           See
DePerrodil, 2015 WL 8542829, at *2–3. As the court stated, vessel owners owe
their passengers a duty of reasonable care under the circumstances.           See
Kermarec v. Compagnie Generale Transatlantique, 358 U.S. 625, 630 (1959).
Our court has held “shipowners, relatively speaking, are held to a high degree
of care for the safety of their passengers”. Smith v. Southern Gulf Marine Co.
No. 2, 791 F.2d 416, 420 (5th Cir. 1986). Among the relevant factors are the
type of carrier, the crew’s experience, the risk involved, defendant’s degree of
control over passengers, and defendant’s ability to take precaution against the
risk. See id. at 421. Because the court properly identified Bozovic Marine’s
legal duty before evaluating liability, its negligence finding is reviewed for
clear error.
      As discussed, the court found Captain Bozovic breached his duty by: (1)
failing to tell dePerrodil to move to the passenger area (failure to warn); (2)
failing to stay apprised of the relevant weather conditions; and (3) operating
the vessel erratically. DePerrodil, 2015 WL 8542829, at *3. Bozovic Marine
contends it did not breach its duty of reasonable care because the risks were
open and obvious to dePerrodil: he was a longshoreman with four decades of
experience in the Gulf; knew the seas were rough; and had a clear view of the
weather conditions from the wheelhouse.            Therefore, Bozovic Marine


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maintains, the captain did not have a duty to protect dePerrodil from the open-
and-obvious risk of losing his balance in rough seas.
      A vessel owner does not need to warn passengers or make special
arrangements for open-and-obvious risks.             See Massey v. Williams-
McWilliams, Inc., 414 F.2d 675, 678–79 (5th Cir. 1969); Superior Oil Co. v.
Trahan, 322 F.2d 234, 237 (5th Cir. 1963); see also Counts v. Lafayette
Crewboats, Inc., 622 F. Supp. 299, 301 (W.D. La. 1983). For example, in
Superior Oil, our court found a seaman comparatively negligent when he
attempted to board a vessel by jumping from another deck. 322 F.2d at 235.
Critical to the seaman’s negligence was “that [he] was an experienced seaman
and should have been fully cognizant of the danger involved”. Id. at 237. Thus,
failure to avoid an obvious risk led to the finding of comparative negligence.
See id.
      The case at hand is distinguishable because the court found Captain
Bozovic liable based, in part, on his specific operation of the vessel, rather than
his failure to warn dePerrodil of the risk. Captain Bozovic testified he watched
the prior evening’s weather report on television, but did not continue to
monitor weather conditions on the date he ferried dePerrodil. DePerrodil
testified: Captain Bozovic made him aware of the 25 mile-per-hour winds;
dePerrodil could see it “was choppy”; he had been on a vessel before when the
Gulf was rough; and he was unconcerned about the weather conditions.
      Once underway, dePerrodil was standing in the wheelhouse, helping
Captain Bozovic look for the liftboat. When they realized dePerrodil would not
be able to accomplish his job, he asked the captain to return to port. Captain
Bozovic turned the vessel around, heading back into the wind and rougher
seas, telling dePerrodil to “hold on”. Confronted with four-to-six-foot waves,
Captain Bozovic began accelerating up the swells and decelerating down.


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DePerrodil’s expert testified this was the proper method for operating the
vessel in high seas.
      Soon thereafter, however, an eight-to-ten-foot wave approached the
vessel. Captain Bozovic accelerated to full throttle up the swell, but did not
decelerate after cresting the wave. The vessel dropped into the resulting
trough, and dePerrodil and a deckhand “went weightless”. DePerrodil fell to
the floor, injuring, inter alia, his back. Captain Bozovic then decreased speed
and idled back to port without further incident.
      The court did not clearly err in concluding, inter alia, that Captain
Bozovic breached his duty to dePerrodil by cresting the eight-foot wave at full
throttle. The failure to decelerate was the proximate cause of dePerrodil’s
injuries. This operational error is underscored by Captain Bozovic’s ability to
idle the vessel back to port after the accident. That is to say, but for Captain
Bozovic’s operation of the vessel, dePerrodil would not have suffered his
injuries.
      The accident would have occurred regardless of whether dePerrodil knew
the risks of rough seas. Notwithstanding dePerrodil’s being aware of the
weather, Captain Bozovic’s operation of the vessel cannot be considered an
“open and obvious” risk to dePerrodil. As the court stated, “inclement weather
does not absolve a captain from operating his vessel in a reasonably prudent
manner”. DePerrodil, 2015 WL 8542829, at *3. Therefore, as noted, it was not
clear error to find Bozovic Marine breached its duty of reasonable care under
these circumstances.    Because the operational negligence is sufficient to
sustain Bozovic Marine’s liability, it is unnecessary to consider the court’s
other bases for liability: failure to warn; and failure to monitor the weather.
                                       2.
      The court’s apportionment of liability is also reviewed for clear error.
Barto v. Shore Constr., L.L.C., 801 F.3d 465, 471 (5th Cir. 2015). It found
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dePerrodil negligent for remaining in the wheelhouse, instead of moving
independently to the passenger area, and assigned him 10% liability.
DePerrodil, 2015 WL 8542829, at *4. DePerrodil does not dispute this finding.
Bozovic Marine, on the other hand, maintains the parties should, at least, be
equally liable.
      The evidence showed dePerrodil was in the wheelhouse to look for his
work site and did not intend to go below once they were in rough seas (nor was
he told to leave the wheelhouse). At trial, the parties did not present evidence
about whether the injury would have occurred had dePerrodil been in the
passenger area. Based on the trial record, including Captain Bozovic’s control
over the vessel, it was not clear error to assign 90% of the liability to Bozovic
Marine.
                                       B.
      Bozovic Marine maintains the court erred in applying the collateral-
source rule and awarding dePerrodil medical expenses as billed, rather than
paid. The application of the rule is reviewed de novo. Johnson v. Cenac
Towing, Inc., 544 F.3d 296, 304 (5th Cir. 2000).
      The collateral-source rule bars a tortfeasor from reducing his liability by
the amount plaintiff recovers from independent sources. Davis v. Odeco, Inc.,
18 F.3d 1237, 1243 (5th Cir. 1994). It is a substantive rule of law, as well as
an evidentiary rule (disallowing evidence of insurance or other collateral
payments that may influence a fact finder). Id.
      In its simplest form, the rule asks whether the tortfeasor contributed to,
or was otherwise responsible for, a particular income source. See Bourque v.
Diamond M. Drilling Co., 623 F.2d 351, 354 (5th Cir. 1980). If not, the income
is considered “independent of (or collateral to) the tortfeasor”, and the
tortfeasor may not reduce its damages by that amount. Davis, 18 F.3d at 1243.
In practice, the rule allows plaintiffs to recover expenses they did not
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personally have to pay. See id. Without the rule, however, a third-party
income source would create a windfall for the tortfeasor. Id. at 1244. Thus,
the rule reflects a policy determination: better a potential windfall for the
injured plaintiff than the liable tortfeasor. See Restatement (Second) of Torts
§ 920A cmt. b. (Am. Law Inst. 1979) (“[I]t is the position of the law that a
benefit that is directed to the injured party should not be shifted so as to
become a windfall for the tortfeasor”.).
      The analysis is complicated when a tortfeasor contributes to a portion of
the collateral source. See, e.g., Davis, 18 F.3d at 1244. For instance, an
employer-tortfeasor may pay part of an employee’s health-insurance plan. See
Johnson, 544 F.3d at 305. In that situation, courts ask whether the collateral
source is a bargained-for fringe benefit. See id. If so, the fringe benefit is
compensation to which the employee is already entitled; as a result, an
employer cannot reduce its liability by paying employment compensation.
Davis, 18 F.3d at 1244. Thus, bargained-for fringe benefits are considered
collateral to an employer’s liability. Id. On the other hand, when an employer
obtains a liability-insurance plan, it is providing pre-accident insurance to
protect itself from post-accident expenses. See Phillips v. Western Co., 953 F.2d
923, 932 (5th Cir. 1992) (citing Allen v. Exxon Shipping Co., 639 F. Supp. 1545,
1547–48 (D. Me. 1986)). There, the collateral-source rule does not apply. See
id.
      Courts, therefore, must determine whether a payment stems from a
fringe benefit or a prophylactic protection against liability. As our court stated,
the “[c]urrent application of the collateral source rule thus turns on the
character of the benefits received, as well as the source of those benefits”.
Davis, 18 F.3d at 1244 (emphasis in original).
      Here, the parties rely on a five-factor test from Phillips to determine
whether the collateral-source rule applies to workers’-compensation insurance.
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Phillips, 953 F.2d at 932. Phillips and its progeny, however, arise in the
employer-tortfeasor context. See, e.g., Johnson, 544 F.3d at 305–07; Davis, 18
F.3d at 1244–45; Phillips, 953 F.2d at 927, 932. The Phillips factors are
applicable only when the tortfeasor contributes to the benefit. See Johnson,
544 F.3d at 304–05.       PEI was neither negligent, nor responsible for,
dePerrodil’s injuries; rather, Bozovic Marine is a third-party tortfeasor.
Accordingly, the Phillips analysis is inapposite, and the standard collateral-
source rule asks whether the payment source was independent of the liable
party. See Davis, 18 F.3d at 1243.
       PEI’s LHWCA insurer paid dePerrodil’s medical expenses.          Bozovic
Marine played no role in securing that insurance coverage.           Thus, the
collateral-source rule applies, and Bozovic Marine is liable for the medical
expenses the insurer paid on dePerrodil’s behalf. (33 U.S.C. § 933 entitles
insurers to subrogation for LHWCA payments.)
       The question remains, however, whether the maritime collateral-source
rule allows plaintiffs to recover the amount billed, or only the amount paid. As
noted, dePerrodil was billed $186,080.30, but the insurer was only required to
pay $57,385.50; the balance was written-off. Neither dePerrodil, PEI, nor its
insurer were ever liable for the $128,694.80 write-off. (Along that line, citing
Louisiana and California law, the court stated: “A plaintiff cannot recover
economic damages for medical fees that the provider is precluded, either by
agreement or by law, from collecting from the employer”. DePerrodil, 2015 WL
8542829, at *5. But, notwithstanding its just-stated rule, and without further
analysis, it awarded dePerrodil the amount initially billed, $186,080.30. Id. at
*7.)
       There is no direct authority regarding the treatment of written-off
LHWCA medical expenses in the maritime-tort context. Consequently, we
must look to persuasive authority, namely state and analogous maritime
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authority. See Manderson v. Chet Morrison Contractors, Inc., 666 F.3d 373,
381 (5th Cir. 2012) (reviewing prior state-law and maritime decisions). State
laws differ as to their approach to written-off expenses in tort cases; within our
circuit alone, three different rules prevail. In Mississippi, the collateral-source
rule allows plaintiffs to recover write-offs.     See Wal-Mart Stores, Inc. v.
Frierson, 818 So. 2d 1135, 1139–40 (Miss. 2002) (allowing plaintiff to submit
evidence of written-off Medicaid expenses). Texas, on the other hand, does not
“allow recovery as damages of medical expenses a health care provider is not
entitled to charge”. Haygood v. De Escabedo, 356 S.W. 3d 390, 396 (Tex. 2012)
(considering amounts charged in excess of Medicaid limits). In contrast to the
rules in each of these two States, Louisiana allows write-off recovery if plaintiff
provided consideration for the benefit or suffered a diminution in patrimony.
See Bozeman v. State, 879 So. 2d 692, 705–06 (La. 2004).
      In the maritime context, our court considered a similar issue in
Manderson, 666 F.3d at 382. There, the question was, inter alia, whether the
collateral-source rule allows recovery of written-off medical expenses when an
employer paid the expenses as part of its maritime cure obligation.           The
Manderson court stated:
            [O]ur court has repeatedly held an injured seaman
            may recover maintenance and cure only for those
            expenses “actually incurred”. E.g., Davis, 18 F.3d at
            1246; Boudreaux v. United States, 280 F.3d 461, 468
            (5th Cir. 2002). Accordingly, the relevant amount is
            that needed to satisfy the seaman’s medical charges.
            This applies whether the charges are incurred by a
            seaman’s insurer on his behalf and then paid at a
            written-down rate, or incurred and then paid by the
            seaman himself, including at a non-discounted rate.
666 F.3d at 382. Based on this discussion, our court held it was error to award
the amount charged, rather than paid. Id.


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        Although Manderson is not binding — it involved maritime cure, not a
maritime tort or LHWCA insurance — it is the most applicable of the various
approaches to write-offs. Moreover, its rationale is very persuasive because
maritime cure and LHWCA insurance create similar obligations for employers.
        Cure is a vessel-owner’s long-established duty to pay medical expenses
for seamen injured at sea. Id. at 380. It compels an employer to pay work-
related medical expenses, regardless of “fault or negligence of the shipowner”.
Bertram v. Freeport McMoran, Inc., 35 F.3d 1008, 1013 (5th Cir. 1994).
        The LHWCA was enacted in part based on shortcomings of maritime
cure.    See generally P.C. Pfeiffer Co. v. Ford, 444 U.S. 69, 75, 78 (1979)
(discussing Congressional intent behind the LHWCA). Longshoremen and
harbor workers do not necessarily qualify for maritime maintenance and cure
because a significant portion of their work is done on shore. Id. To cover these
workers, Congress enacted the LHWCA, which incorporates and replaces
several aspects of maritime common law. See 33 U.S.C. § 905 (“Exclusiveness
of liability”); P.C. Pheiffer, 444 U.S. at 75 (“Congress intended that a worker’s
eligibility for federal benefits would not depend on whether he was injured
while walking down a gangway or while taking his first step onto the land.”).
        The LHWCA requires employers to carry workers’-compensation
insurance to pay for work-related injuries. 33 U.S.C. § 932. Like maritime
cure, LHWCA creates a no-fault basis for paying a longshoreman’s medical
expenses. 33 U.S.C. § 904(b) (“Compensation shall be payable irrespective of
fault as a cause for the injury.”). When a third-party tortfeasor is responsible
for the employee’s injury, cure and LHWCA insurance function in the same
manner: the employer (or its insurer) has an immediate duty to pay medical
expenses even though it is not at fault.       These similarities counsel that
Manderson — prohibiting write-off recovery — provides the correct rule for
both maritime cure and LHWCA maritime-tort cases.
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                                 No. 16-30009
      In sum, LHWCA medical-expense payments are collateral to a third-
party tortfeasor only to the extent paid; in other words, under those
circumstances, plaintiff may not recover for expenses billed, but not paid.
Therefore, the district court erred in awarding the full amount billed. Instead,
the proper measure of those damages is the far lesser amount the insurer paid
to cover dePerrodil’s medical expenses: $57,385.50.
                                       C.
      Finally, Bozovic Marine asserts the court miscalculated dePerrodil’s
future lost earnings because it did not use the Bureau of Labor Statistics (BLS)
work-life expectancy average.     Damages calculations are findings of fact,
reviewed for clear error. Comar Marine, Corp. v. Raider Marine Logistics,
L.L.C., 792 F.3d 564, 574 (5th Cir. 2015).
      Courts use work-life expectancy data to calculate future earnings, unless
there is evidence supporting a variation from the average. E.g., Madore v.
Ingram Tank Ships, Inc., 732 F.2d 475, 478 (5th Cir. 1984). “Such an average
is not conclusive. It may be shown by evidence that a particular person, by
virtue of his health or occupation or other factors, is likely to live and work a
longer, or shorter, period than the average.” Id. (emphasis omitted).
      According to BLS data, dePerrodil had a work-life expectancy of 72 years.
At trial, however, dePerrodil presented a vocational-rehabilitation counselor
as an expert witness.     She interviewed dePerrodil on two occasions and
reviewed his medical history.       She concluded it was “very reasonable”
dePerrodil would work until age 75; this conclusion was based on: dePerrodil’s
testimony that he and his wife had an agreement he would work until age 75;
his work history; his earnings records; and his healthcare providers’
recommendations for future treatment. DePerrodil’s expert economist then
provided the court with two calculations, one using BLS’ age-72 work-life
expectancy; the other, the vocational counselor’s age-75 expectancy. With both
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calculations before it, the court awarded future lost wages based on an age-75
retirement. See DePerrodil, 2015 WL 8542829, at *5–6.
      Bozovic Marine points to two cases in which a court erred by using the
plaintiff’s stated retirement goal, rather than the BLS average. In Madore,
the parties each presented expert testimony supporting a 25.8-year work-life
expectancy for the injured seaman. 732 F.2d at 478. The calculations were
based on the BLS average, and the parties presented no other evidence on the
matter. Id. Nonetheless, the district court awarded lost-wage damages based
on a work-life expectancy of 30 years (until the plaintiff turned 65). Id. Our
court held this was error because the parties presented no evidence to justify
a departure from the BLS average. Id.
      Another district court chose an above-average calculation “in the middle”
of the BLS projection and the Social Security retirement age of 67. See Barto,
801 F.3d at 475. There, the only relevant evidence was plaintiff’s testimony he
planned to work until he could retire, “[w]hatever the retirement age is”. Id.
Our court stated: “even if the district court believed [plaintiff] wanted to work
until age 67, wanting to work until age 67 is not the only or even the most
significant factor in determining whether someone actually will work until age
67”. Id. (emphasis in original). Citing Madore, our court held this vague
testimony was insufficient to support an above-average work-life expectancy.
Id. at 475–76.
      Here, the court’s use of age 75 to calculate damages was not clearly
erroneous.   DePerrodil fully developed the evidentiary basis for such a
departure from the BLS average. Unlike in Madore, dePerrodil presented an
expert (vocational-rehabilitation counselor) and the medical history upon
which the expert based her opinion. As was the case in Barto, dePerrodil’s
stated retirement goal was a critical piece of information.       Unlike Barto,
however, dePerrodil’s goal was specific and corroborated by an agreement with
                                       13
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his wife to work until age 75. Furthermore, the vocational counselor agreed it
was a “very reasonable” goal, considering his medical history, work history,
and future medical prognosis. Neither of the plaintiffs in Madore or Barto
presented a vocational expert to justify a departure from the BLS statistics.
For these reasons, it was not clear error for the court to credit the vocational
counselor’s expert testimony and award lost-wage damages until age 75.
                                      III.
      For the foregoing reasons, the judgment is AFFIRMED, except for the
award of medical expenses; that award is VACATED.              This matter is
REMANDED for entry of an amended judgment consistent with this opinion.




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