Filed 6/13/14 In re Marriage of Boyd CA4/1
                      NOT TO BE PUBLISHED IN OFFICIAL REPORTS
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                    COURT OF APPEAL, FOURTH APPELLATE DISTRICT

                                                  DIVISION ONE

                                           STATE OF CALIFORNIA



In re the Marriage of ELIZABETH A.
BOYD and BRADLEY A. BOYD.
                                                                 D064281
ELIZABETH A. BOYD,

         Appellant,                                              (Super. Ct. No. D473583)

         v.

BRADLEY A. BOYD,

         Respondent.



         APPEAL from a judgment of the Superior Court of San Diego County, Susan D.

Huguenor, Judge. Affirmed.



         Stephen M. Bishop for the Appellant.

         Hargreaves & Taylor and Elizabeth Anne Kreitzer; Stanwood C. Johnson for the

Respondent.
       Appellant Elizabeth Boyd appeals from a judgment awarding her former husband,

respondent Bradley Boyd, $28,502.50 in principal and interest plus $2,500 in attorney

fees, on Bradley's1 claim for indemnification arising from their respective obligations on

a loan and mutual releases in their marital settlement agreement (settlement agreement).

Elizabeth contends the judgment should be reversed because (1) Bradley did not meet a

condition precedent to invoke the hold harmless provision in the settlement agreement;

(2) the family court erred by awarding Bradley more than the amount of actual loss or

damage he incurred; (3) the court erred by awarding Bradley attorney fees because he did

not incur them in good faith; and (4) Bradley breached his fiduciary duty to Elizabeth

under the settlement agreement. We conclude Elizabeth forfeited the latter two

arguments by failing to raise them in the family court, and her other contentions, which

we independently address as questions of law, lack merit. Accordingly, we affirm the

judgment.




1     As is customary in family law cases, we refer to the parties and other family
members by their first names for clarity, and not out of disrespect. (See Kuehn v. Kuehn
(2000) 85 Cal.App.4th 824, 828, fn. 2.)

                                            2
                     FACTUAL AND PROCEDURAL BACKGROUND2

       Bradley and Elizabeth were married in 1989. In March 2003, Bradley and

Elizabeth obtained a judgment of dissolution of their marriage, which incorporated the

settlement agreement. Under the settlement agreement, Bradley and Elizabeth each

assumed one half of a $47,500 loan owed to Bradley's mother, Joyce Boyd, and agreed to

"pay, assume, and hold [the other] free and harmless from" that obligation, as well as

defend and indemnify the other against "any claim, action or proceeding . . . brought

seeking to hold [the other] liable for any of [his or her] debts, liabilities, acts or

omissions . . . ."

       Several sections of the settlement agreement contain indemnity language. The

"Community Property" section of the settlement agreement states in part: "Wife shall

pay, assume, and hold Husband free and harmless from all obligations listed in Exhibit

'B[,]' " which included Elizabeth's loan obligation to Joyce. A "Mutual Releases" section

contains defense and indemnity provisions, which states with regard to Elizabeth: "Wife


2      We set out the facts from the original and augmented clerk's transcript, viewing
the evidence favorably to Bradley as the prevailing party. "[T]he applicable standards of
appellate review of a judgment based on affidavits or declarations are the same as for a
judgment following oral testimony: We must accept the trial court's resolution of
disputed facts when supported by substantial evidence; we must presume the court found
every fact and drew every permissible inference necessary to support its judgment, and
defer to its determination of credibility of the witnesses and the weight of the evidence."
(Betz v. Pankow (1993) 16 Cal.App.4th 919, 923.) This court gave Elizabeth's counsel an
opportunity to cure defects in Elizabeth's opening brief by filing an augmented brief.
However, with the exception of one cite to the clerk's transcript regarding the amount of
Bradley's actual payments on the debt at issue, Elizabeth's augmented brief contains no
record citations for its factual summary, and appears substantively identical to her
original brief. We are entitled to disregard contentions not supported by citations to the
record on appeal. (In re S.C. (2006) 138 Cal.App.4th 396, 406-407.)
                                                3
covenants, except as may be expressly provided otherwise in this Agreement, that if any

claim, action or proceeding shall hereafter be brought seeking to hold Husband liable for

any of her debts, liabilities, acts or omissions, she shall, at her sole expense, defend him

against any such claim or demand (whether or not well founded) and that she shall

indemnify him and hold him free and harmless from all costs, expenses and liabilities in

connection therewith." Another clause entitled "Hold Harmless Provisions" reads in part:

"In the event a party to this Agreement is required to pay and hold the other party

harmless from some debt, and the party fails to hold the other party harmless from the

debt, then the other party may pay some or all of the debt and deduct the payment from

any monies owed by the other party to the party who breached this covenant to hold the

other party harmless." The hold harmless clause prohibits a party from paying a debt

without giving written notice to the other party, and requires that the party giving such

notice wait seven days from the date of notice before paying any debt. The settlement

agreement also contains a clause entitling the prevailing party to recover reasonable

attorney fees in an action to enforce any of the settlement agreement's provisions.

       In 2006, Elizabeth filed for Chapter 7 bankruptcy protection, listing Joyce as a

creditor. A few months later, an attorney representing Bradley informed Elizabeth's

bankruptcy counsel that Joyce had made a demand on Bradley for repayment of the entire

obligation as a result of the bankruptcy filing, and that Bradley's indemnification claim




                                              4
was not dischargeable under section 523(a)(15) of title 11 of the United States Code.3 In

January 2007, Elizabeth's obligation to Joyce in the amount of $32,118 was discharged.

However, Elizabeth through counsel advised Joyce that she intended to fulfill her

obligation notwithstanding the fact she listed the unsecured debt on her bankruptcy

schedules. Elizabeth sent Joyce four payments amounting to $650, but stopped making

payments in March 2008.

       Joyce sued Bradley to collect on the debt, and in September 2011, the superior

court entered a $24,785.50 judgment by default against Bradley in that action.

Thereafter, Bradley unsuccessfully communicated with Elizabeth to resolve the matter of

her agreement in their judgment of dissolution to indemnify him on their debts.

       In April 2013, Bradley sought an order in the family court to enforce the

settlement agreement's indemnity provision, modify spousal support, and recover his

attorney fees and costs. He asked the court to order Elizabeth to pay him $24,785.50 in

principal and $3,511.28 in interest that had accrued through February 28, 2013, monthly

interest of $206.55 from March 1, 2013, and his attorney fees and costs.


3       The December 2006 letter from attorney Radmilla Fulton pointed to the settlement
agreement's defense and indemnity language and the hold harmless provision. Fulton
wrote: "Please accept this letter as notice pursuant to the provisions of the Marital
Settlement Agreement that Mr. Boyd makes a demand that your client hold him harmless
and indemnify him against the claim of Joyce Boyd. Further, pursuant to the provisions
of the Marital Settlement Agreement, this letter is intended to give your client notice that
Mr. Boyd intends to pay Joyce Boyd by offsetting the past due support due to your client,
again, pursuant to the terms of the Marital Settlement Agreement. My understanding is
that the payments on the past due support in the amount of $350 per month would not
commence to your client until about February 1, 2007, when Mr. Boyd completes
payments to her dissolution counsel. Thus, this offset will not take place until the
automatic stay has been dissolved and this bankruptcy completed."
                                             5
       In response, Elizabeth submitted a declaration asserting that Joyce had been

notified about her bankruptcy and had an opportunity to, but did not, challenge the

discharge. Pointing out Joyce had not pursued Bradley for the debt until more than four

and a half years after the debt was discharged in bankruptcy, Elizabeth stated that Joyce

had "no legal right" to sue Bradley for any portion of Elizabeth's debt because there was

no longer a valid debt.

       Bradley replied in a sworn declaration that he and Elizabeth were jointly and

severally liable for the debt to his mother, and Elizabeth's discharge did not absolve him

of paying the debt in its entirety. He pointed out Elizabeth had promised his mother that

she would make payments on the debt, and did make partial payments, resulting in his

mother's inaction. He stated he had incurred $1,842.50 in attorney fees, and anticipated

another three hours of his attorney's time on the matter. He asked the court to order

Elizabeth to contribute $2,500 toward his attorney fees for her refusal to follow the

judgment.

       The family court heard arguments on the matter, including from Elizabeth, who

represented herself. She argued the same points raised in her declaration: that her

bankruptcy discharged the debt to Joyce, who was on notice of the bankruptcy

proceeding but did not contest it, and who waited over four and a half years to file an

action to collect on the debt. Elizabeth argued a debtor could make voluntary payments

on the debt even after discharge, and she did so to Joyce because Joyce was a close

family member. She asked that Bradley pay his own attorney fees "because this matter

was pursued on his own volition."

                                             6
       The family court ordered that judgment be entered in Bradley's favor in the total

amount of $28,502.50, consisting of $24,785.50 in principal plus $3,717 in interest. It

ordered Elizabeth to contribute $2,500 toward Bradley's attorney fees. It set spousal

support to zero effective March 1, 2013.

       Elizabeth filed this appeal from the April 23, 2013 judgment.

                                        DISCUSSION

I. Elizabeth's Argument as to the Hold Harmless Provision of the Settlement Agreement

       Elizabeth contends that the judgment based on indemnification was improper

because under the circumstances, Bradley never satisfied a condition precedent to invoke

the hold harmless provision of the settlement agreement. Specifically, she maintains

Bradley was prohibited from paying any debt without first giving her notice and waiting

seven days to allow her to assert a legal defense. She also argues that "public policy and

existing case law" prohibited Bradley from withholding child support to satisfy her

portion of the debt, as his attorney had proposed in her December 2006 demand letter.

Bradley initially responds by asserting Elizabeth has forfeited her contentions by failing

to raise these arguments in the trial court, and by relying on new theories.

       We cannot agree, however, that Elizabeth has forfeited her argument concerning

the condition precedent of notice and the waiting period. Concededly, "[a]s a general

rule, theories not raised in the trial court cannot be raised for the first time on appeal.

This is a matter of fundamental fairness to both the trial court and opposing parties."

(City of Scotts Valley v. County of Santa Cruz (2011) 201 Cal.App.4th 1, 28.) But

"[t]here are exceptions to this rule, including where a new theory pertains only to

                                               7
questions of law based on undisputed facts. [Citation.] . . . [E]ven then, whether an

appellate court will entertain a new theory raised for the first time on appeal is strictly a

matter of discretion. [Citation.] Moreover, where a new theory contemplates a factual

situation that is ' "open to controversy" ' and was not placed at issue in the trial court, it

cannot be advocated on appeal. [Citation.] Likewise, when a party bears some

responsibility for the claimed error, they are generally estopped from taking a different

position on appeal or are deemed to have waived the error." (Id. at pp. 28-29; see also

Phillips v. TLC Plumbing, Inc. (2009) 172 Cal.App.4th 1133, 1141.)

       Here, the facts are not in dispute, and because the parties did not present

conflicting evidence of their intent as to the scope and nature of the release or hold

harmless language, interpretation of the settlement agreement is a matter of law. (City of

Hope Nat. Medical Center v. Genentech, Inc. (2008) 43 Cal.4th 375, 395; Salehi v.

Surfside III Condominium Owners' Assn. (2011) 200 Cal.App.4th 1146, 1159; see ASP

Properties Group v. Fard, Inc. (2005) 133 Cal.App.4th 1257, 1267 [where extrinsic

evidence is not in conflict, construction of an agreement is a question of law for

reviewing court's independent review].) Elizabeth's argument—that a condition

precedent to the hold harmless clause was not satisfied by Bradley's failure to give notice

of his intention to pay on the debt—does not depend on a factual situation that is open to

controversy.

       Interpreting the settlement agreement independently on the facts presented, we

conclude Elizabeth's arguments lack merit. As Bradley correctly points out, there were

several indemnity provisions in the settlement agreement, not merely the hold harmless

                                               8
provision requiring notice and a waiting period. He argues he relied on the express

indemnity and defense provisions in the "Community Property" and "Mutual Releases"

sections, neither of which required notice to Elizabeth. But even assuming the "Hold

Harmless Provision" clause's notice and waiting period requirement encompassed all of

the defense and indemnity provisions in the settlement agreement, the record shows

Bradley gave Elizabeth notice of his intent to pay Joyce's debt in December 2006.

       Elizabeth further argues that, as a matter of public policy, Bradley's December

2006 notification did not trigger the hold harmless clause, because he proposed at the

time to offset his past due support owed to Elizabeth. She relies on authorities assertedly

holding that a premarital agreement or marital settlement agreement may not abridge

statutory child support obligations. We have no quarrel with the proposition that a child's

right to support cannot be abridged by his or her parents, and a waiver of a child support

obligation by either parent is void or unenforceable. (See County of Orange v. Smith

(2002) 96 Cal.App.4th 955, 962; In re Marriage of Crosby & Grooms (2004) 116

Cal.App.4th 201, 210 [clause in marital settlement agreement held unenforceable as it

required application of Idaho law serving to limit father's child support obligation]; In re

Marriage of Ayo (1987) 190 Cal.App.3d 442, 448-449; Avila v. Leonardo (1942) 53

Cal.App.2d 602, 608.) In Avila v. Leonardo, for example, the appellate court affirmed a

family court's ruling that a wife's agreement upon remarriage to hold husband harmless

from his child support obligation did not forfeit the minor children's right to support, and

her remarriage did not terminate father's obligation to pay court ordered child support

payments. (Avila, 53 Cal.App.2d at pp. 606-608.) The problem with Elizabeth's

                                              9
argument, however, is that there is no evidence in the record that Bradley actually

withheld past support due to Elizabeth in satisfaction of Joyce's debt under the settlement

agreement's hold harmless provision. But we need not address the matter because it is a

factual question whether Bradley in fact used the hold harmless provision in the

settlement agreement to offset past due support so as to render that provision

unenforceable, and Elizabeth's failure to raise it in the trial court forfeited it. (City of

Scotts Valley v. County of Santa Cruz, supra, 201 Cal.App.4th at pp. 28-29; City of San

Diego v. Rider (1996) 47 Cal.App.4th 1473, 1493.)

 II. Elizabeth's Challenge to the Judgment on Grounds it Awards More Than Bradley's

                                       Loss or Damage

       Elizabeth next contends the trial court erred in awarding Bradley the entire amount

of the debt plus interest because the evidence showed he had only so far paid $3,080 on

the debt owed to Joyce. She maintains that under Civil Code section 2778, subdivision

(2),4 an obligation to protect an indemnitee from a loss accrues only when the indemnitee



4       Civil Code section 2778 provides: "In the interpretation of a contract of
indemnity, the following rules are to be applied, unless a contrary intention appears: [¶]
1. Upon an indemnity against liability, expressly, or in other equivalent terms, the person
indemnified is entitled to recover upon becoming liable; [¶] 2. Upon an indemnity against
claims, or demands, or damages, or costs, expressly, or in other equivalent terms, the
person indemnified is not entitled to recover without payment thereof; [¶] 3. An
indemnity against claims, or demands, or liability, expressly, or in other equivalent terms,
embraces the costs of defense against such claims, demands, or liability incurred in good
faith, and in the exercise of a reasonable discretion; [¶] 4. The person indemnifying is
bound, on request of the person indemnified, to defend actions or proceedings brought
against the latter in respect to the matters embraced by the indemnity, but the person
indemnified has the right to conduct such defenses, if he chooses to do so; [¶] 5. If, after
request, the person indemnifying neglects to defend the person indemnified, a recovery
                                               10
pays a legal obligation; that recovery under an indemnity agreement is measured by the

amount of actual loss sustained by the indemnitee, and Bradley's actual loss was only the

amount he had already paid Joyce. She argues that the terms of the settlement agreement

required one party or the other to pay some or all of the debt.

       Resolution of Elizabeth's contention requires us to decide whether the settlement

agreement contains provisions for indemnity against loss or damage, or indemnity against

liability, or both. (See Alberts v. American Cas. Co. of Reading, Pa. (1948) 88

Cal.App.2d 891, 898.) In Alberts, the court explained: "There are two classes of

contracts of indemnity. In one class the indemnitor engages to save the indemnitee from

loss, meaning actual loss. In the other class the indemnitor engages to save the

indemnitee from liability. In the first class the indemnitee must prove loss actually

suffered by him. In a case of a loss by the indemnitee of money held as bailee the

indemnitor's liability for the loss does not arise until the debt has been paid and the

indemnitee has thus suffered a loss. [Citations.] In the second class the indemnitee need

not prove actual loss but only that he has become liable. The indemnitee may, without

having paid anything, recover from the indemnitor as soon as liability is legally imposed.

[Citations.] [¶] The same instrument may indemnify against actual loss and against


against the latter suffered by him in good faith, is conclusive in his favor against the
former; [¶] 6. If the person indemnifying, whether he is a principal or a surety in the
agreement, has not reasonable notice of the action or proceeding against the person
indemnified, or is not allowed to control its defense, judgment against the latter is only
presumptive evidence against the former; [¶] 7. A stipulation that a judgment against the
person indemnified shall be conclusive upon the person indemnifying, is inapplicable if
he had a good defense upon the merits, which by want of ordinary care he failed to
establish in the action."
                                             11
liability. [Citations.] Liability is established upon the rendition of a judgment against the

indemnitee with respect to the thing indemnified although the judgment remains unpaid.

[Citations.] The form which the litigation takes is of no importance so long as the

liability of the indemnitee is established. . . . [T]he undertaking of the indemnitor may

not be extended by construction or implication beyond the terms of the contract."

(Alberts, at pp. 898-899.)

        Thus, in Alberts, the appellate court held that language in a contract indemnifying

plaintiffs " 'against any loss of money . . . belonging to the Insured, or in which the

Insured had a pecuniary interest, or for which the Insured is legally liable, or held by the

Insured in any capacity whether the Insured is legally liable therefor or not, which the

insured shall sustain' " was an agreement to indemnify against liability as well as actual

loss. (Alberts v. American Cas. Co. of Reading, Pa., supra, 88 Cal.App.2d at pp. 898,

900.) The court explained that because the contract was one against liability, the

defendant became liable to the plaintiffs for a third party's loss of money upon a

determination of the plaintiff's liability to the third party by a judgment. (Id. at pp. 900-

901; see also Showers v. Wadsworth (1889) 81 Cal. 270, 273-274 [judgment in favor of

sheriff on contract indemnifying sheriff against liability upheld where sheriff's liability to

claimants was "conclusively established" by judgments; the court rejected the defendant's

claim that no liability was incurred by the sheriff]; Moore v. Sleeper (1894) 102 Cal. 277,

279.)

        "Courts interpret contractual indemnity provisions under the same rules governing

other contracts, with a view to determining the actual intent of the parties." (Maryland

                                              12
Casualty Co. v. Bailey & Sons, Inc. (1995) 35 Cal.App.4th 856, 864; see also Gribaldo,

Jacobs, Jones & Associates v. Agrippina Versicherunges A.G. (1970) 3 Cal.3d 434, 442;

Wilshire–Doheny Associates, Ltd. v. Shapiro (2000) 83 Cal.App.4th 1380, 1396

[indemnity agreements are " 'interpreted according to the language and contents of the

contract as well as the intention of the parties as indicated by the contract. [Citation.]

The extent of the duty to indemnify is determined from the contract' "].) Moreover, "the

provisions of [Civil Code] section 2778, prescribing the rules for interpreting indemnity

agreements, are as much a part of such instrument as those set out therein, unless a

contrary intention appears." (Gribaldo, 3 Cal.3d at p. 442.) In the absence of extrinsic

evidence, the interpretation of the contract in light of the statute is a question of law. (Id.

at p. 445; see United States Elevator Corp. v. Pacific Investment Co. (1994) 30

Cal.App.4th 122, 125.)

       Here, the settlement agreement requires Elizabeth to "indemnify [Bradley] and

hold him free and harmless from all costs, expenses and liabilities in connection [with]"

any "claim, action or proceeding . . . seeking to hold Husband liable for any of her

debts . . . ." (Italics added.) The clause explicitly provides for defense and indemnity

against both liabilities and actual loss. Thus, it falls under Civil Code section 2778,

subdivision (1), entitling Bradley to "recover upon becoming liable," not subdivision (2),

as Elizabeth contends. (See footnote 4, ante.) As a consequence, Bradley's payment of

the judgment to Joyce was not required prior to his seeking indemnification. (Accord,

CC-California Plaza Associates v. Paller & Goldstein (1996) 51 Cal.App.4th 1042, 1054

[provision reading in part that subcontractor " 'shall indemnify, defend and save harmless

                                              13
Contractor from and against any and all claims, debts, demands, damages . . . judgments,

awards, losses, liabilities, interest, attorneys' fees, costs and expenses of whatsoever kind

or nature at any time arising out of any failure of Subcontractor to perform any of the

terms and conditions of this subcontract' " indemnified against both liability and claims,

thus the provision "properly falls under Civil Code section 2778, subdivision (1) [and] as

a consequence, 'payment' was not required prior to seeking indemnification"].)

                            III. Attorney Fees and Costs Award

       Elizabeth contends the family court erred by ordering her to contribute $2,500

toward Bradley's attorney fees and costs. Citing Civil Code section 2778, subdivision

(4), she maintains an indemnitor is only liable for the indemnitee's costs incurred in good

faith and in the exercise of reasonable discretion, and here, the evidence did not show

Bradley's attorney fees and costs were incurred in good faith or "necessary to an effectual

defense." She further argues that Bradley's attorney fees and costs were not incurred in

defending the underlying lawsuit against Joyce, which would have entitled him to fees

and costs under the settlement agreement.

       Elizabeth's challenge is not cognizable on appeal because "good faith and

reasonableness are questions of fact." (Peak-Las Positas Partners v. Bollag (2009) 172

Cal.App.4th 101, 106.) In the family court, Elizabeth did not mention Civil Code section

2778; she merely argued that Bradley was not entitled to fees and costs because he

pursued the matter "of [his] own volition." Having failed to raise below the issue of

Bradley's good faith or reasonableness in seeking attorney fees, she cannot do so for the



                                             14
first time here. (City of Scotts Valley v. County of Santa Cruz, supra, 201 Cal.App.4th at

pp. 28-29.)

       We note that on the merits, Elizabeth's arguments do not establish error. It is her

burden to show the family court abused its broad discretion in awarding Bradley attorney

fees and costs—i.e., that no judge could reasonably make the award she challenges. (In

re Marriage of Sullivan (1984) 37 Cal.3d 762, 768-769; Denham v. Superior Court

(1970) 2 Cal.3d 557, 566.) She misconstrues Bradley's declaration stating the attorney

fees he had incurred were "for the filing of this motion," and also ignores the plain

language of the settlement agreement. The attorney fees clause in the settlement

agreement provides: "ENFORCEMENT OF TERMS OF AGREEMENT—FEES AND

COSTS [¶] Should it be necessary for either party to bring an action in this or any other

court for the enforcement of any of the provisions of this Agreement, the prevailing party

shall be entitled to an award from the other party of his or her reasonable attorney fees

and costs incurred in the action, irrespective of either party's need or ability to pay at the

time of such hearing, and irrespective of any fee provision of the Family Code of the

State of California." Bradley's motion was directed at enforcing Elizabeth's obligation to

indemnify him for her debts under the settlement agreement, which permitted the

prevailing party to recover attorney fees and costs. Elizabeth does not propose any other

interpretation of the attorney fee provision of the settlement agreement, or convince us

that the family court erred in making the attorney fees and costs award.




                                              15
                          IV. Claim of Breach of Fiduciary Duty

       Elizabeth contends Bradley breached his fiduciary duty owed to her under the

settlement agreement, including to make full disclosure of material facts and information

regarding the existence, characterization and valuation of all assets in which the

community has interest and debts for which it may be liable. She points out Bradley was

aware of her plan to file bankruptcy, as was Joyce, and asserts, "In effect, Bradley was in

collusion with Joyce when he sued Elizabeth in Family Court to pay on the debt she owed

to Joyce. This was done despite the fact Elizabeth's legal obligation to Joyce had been

discharged in Bankruptcy Court." Elizabeth further argues the evidence confirms

Bradley intentionally defaulted when he was sued by Joyce to collect on the loan; that he

"used the Family Court to circumvent Elizabeth's bankruptcy discharge" and "breached

his fiduciary obligation to Elizabeth by failing to defend against Joyce's lawsuit."

       Though the existence of a fiduciary duty is a question of law, breach of the duty is

a question of fact. (Kirschner Brothers Oil, Inc. v. Natomas Co. (1986) 185 Cal.App.3d

784, 790; see also Tenzer v. Superscope, Inc. (1985) 39 Cal.3d 18, 32.) Elizabeth did not

make her collusion arguments and raise issues as to Bradley's good faith or intent in the

family court. Thus, such fact-based arguments as to Bradley's breach of fiduciary duty

are not properly raised for the first time on appeal. (City of Scotts Valley v. County of

Santa Cruz, supra, 201 Cal.App.4th at pp. 28-29; see also Delfino v. Agilent

Technologies, Inc. (2006) 145 Cal.App.4th 790, 818, fn. 36; City of San Diego v. Rider,

supra, 47 Cal.App.4th at p. 1493.) We conclude Elizabeth has forfeited these points.



                                             16
                                 DISPOSITION

     The judgment is affirmed.




                                               O'ROURKE, J.

WE CONCUR:


HUFFMAN, Acting P. J.


McINTYRE, J.




                                     17
