No offense intended, seriously, BUT getting the University to pay a million clams a year for a 21 Mil payout on the death of a man 70 years old, very overweight, with a history of heart disease is what gamblers call "parleying a sure bet". It may look cleaner, but there is mischief afoot here! Some auditor for the insurance company's stockholders needs to take a close look at the writer of that policy. The Rev. Falwell couldn't have done better if he had gone to the race track and bet on the horse that he knew the trainer had "juiced up". Liberty University's school of business should offer a course on this one!