. nav ?41.93 .'indian ip and liabilities law barrier to pharma r&d investment' . . february 2009 (19) . december 2006 (17) http://lm360.us/Eastburn-father-of-Kulp-from-Lindau?Detlefsmo=241 december 2008 (20) . august 2007 (26) .on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation. . ."she was our mother, the anchor and heartbeat to our family," derek said. "(she) would spread her love and dedication like a small hummingbird." . . .on sunday morning, may 6, at 9:04 a.m., helen opened her eyes and turned to robert and took her last breath. .