## Mary Lou Nelson

### E-Mail

> ### PSYCHIATRIC MONEY LAUNDERING

> By Mary Lou Nelson

> Psychiatists in the United States are laundering money for rogue elements of the espionage services. The money laundering operation uses the contigency reserve accounts of mutual health insurance companies.

> Mutual health insurance companies are considered the property of the policyholders. The only regulatory agency oversight is provided by state l;evel Insurance Commissioners. The State Insurance Commisioners are concerned only with the financial security of the insurance companies and their ability to pay claims.

> Contingency reserves are created when a large potential claim is forseen. For example, Dr J reccomends ElectroConvulsive Therapy (ECT) for patient K. Dr J expects the three sets of ten ElectroConvulsive Therapy sessions are needed for patient K.

> Patient K’s mutual health insurance provider creates a reserve for a total of thirty ECT sessions. At $1,500 per session, the reserve account is $45,000. The reserve account is separate from the profit accounts of the company. In effect, the money has been “written off.”

> After the first set of ten sessions, Dr J proclaims that patient K is miraculously “cured”. There remains a balance of $30,000 for the ten sessions of ECT not administered. The money should be returned to the profit accounts of the insurance company. Instead, it is distributed to participants in the money laundering network.

> Since there is no money laundering oversight of United States health insurers, the original $45,000 need not have come from the health insurer. Money from anywhere in the world can be electronically transferred into the reserve account. For example, a Russian embezzeler could have sent the money.

> The embezzler may receive only ten percent of the $45,000 for his trouble. The money laundering network made it possible for him to steal the money.

> Most of the money goes to the other participants in the scheme. The scheme has the “blessings” of the US government. Embezzlement from Russia impoverishes a potential military adversery, the Russian Federation.

> ROBBING RUSSIA BLIND: INTERNATIONAL EMBEZZLEMENT and MONEY LAUNDERING WITH UNITED STATES INSURANCE CONTINGENCY RESERVES

> The world’s best kept secret is the extensive money laundering being carried out by health, property and casualty insurers in the United States.

> International banking has come under increasing scrutiny and regulation for its role international money laundering. This has created a vacum, which is being filled by United States mutual insurance companies.

> Embezzled money from anywhere in the world can be electronically transferred into United States mutual insurance company contingency reserve accounts. The reserve accounts are used to launder the stolen money.

> The following statements are corraborated by Eric Moebius, a former Texas Assistant Attorney General. This my own analysis, based upon research and contact with real perpetrators. An interview with Eric Moebius and a further description of contingency reserve money laundering are located at the end of this article.

> I. Unlike banks, USA mutual insurance companies are not subject to independent auditing or the scrutiny of Federal Regulators. Mutual insurance companies are considered to be the property of the insurance policyholders. Only the State Insurance Commissioners examine the finances of USA mutual insurance companies.

> II. Staged murders, fatal accidents and accidents involving severe personal injury are used in the scheme. Although staged, people actually die. These genuine staged events mask the fraud involved and create insurance claim contingency reserve accounts used in a huge money laundering scheme.

> III. Mutual insurance companies in the United States accept electronically transferred foreign flight capital into their contigency reserve accounts, with impunity.

> IV. This is illegal flight capital entering the United States. United States government, law enforcement, citizens and many businesses aid and abet this international crime.

> V. The extent of the cover-up, involving figures like Janet Reno, Bill Clinton and George W Bush (in the Moebius case) indicates a more extensive operation than tax evasion by insurance executives. No agency questions the source of electronically transferred funds. Contingency reserve accounts are monies set aside for the payment of potential claims. This scheme has been used to deplete the capital base of post-communist Russia.

> A contingency reserve account is money set aside against a potential claim. For example, someone’s spouse is killed in an automobile accident. The the driver of the other automobile caused the accident, and is held at fault The guilty driver’s automobile liability insurance company is required to set aside enough money to pay the maximum potential amount the claim may cost. In this example, one million dollars is placed in the reserve account.

> In the money laundering operation, the survivng spouse receives little or nothing. In this example, the surviving spouse received $100,000 as a settlement from the insurance company. The remaining $900,000 is required to be returned to the profit account of the insurance company. Instead, the $900,000 is becomes part of the money laundering cycle.

> In a planned staged accident or murder, the surviving spouse would be a participant in the scheme. The survivng spouse could receive the $100,000, as well as other compensation, such as life insurance proceeds for the deceased spouse. The surviving spouse would also enjoy “Godfather” status in the money laundering operation. That is the reward for coercing a “loved one” to die for the cause.

> Health insurance money laundering follows the same accounting principles. The perpetrators want the contingency reserve accounts to remain open for extended periods of time. This implies that several times the stated amount of the account can be moved through it. The insurance companies have a financial processing role, like money laundering through banks. The insurance companies keep a small percentage of the money processed.

> Money launderers constantly change their methods. The perpetrators may have shifted their emphasis to staged accidents involving severe personal injury and large claims involving professional negligence.

> By other money laundering methods, some of the laundered money then finds its way back to the original source. A Russian embezzler may be satisfied with 10% of the money sent to the USA. The money laundering system provided him with the means to transfer the funds, without fear of being caught.

> This writer observed, several years ago, that there were several offices of United States mutual insurance companies or their consortiums in Moscow. The US insurance industry was ostensibly helping the former USSR to "recover from the ravages of communism." The information about these insurance offices is now obscured, possibly as a result of the writer’s preliminary investigation being observed by perpetrators.

> This writer has seen varying references, from $300 billion to $12 trillion, of money that disappeared from the Russian economy after the fall of the USSR. Without a sophisticated capitalist accounting system in place, the former communist power has been vulnerable to massive electronic embezzlement.

> Mr. Moebius knew about the domestic/United States side of the money laundering scheme. This writer knows that the method is used to launder embezzled money from the entire world. It does require the US dollar standard, instead of the Euro.

> Eric Moebius, a former Texas Assistant Attorney General, has a 207 page report published on the web at David Icke Magazine. A REPORT ON THE YOGURT SHOP MURDERS (Racketeering and Money Laundering Through Site Specific Death Claims). It can be located using Yahoo! keywords "Yogurt Shop Murders".

> This interview was available at www.texas-justice.com., in the "Other Documents" section.

> The Bar, Insurance Fraud and Murder

> by Erik Moebius

> Editor's Note: This next article is an amalgam of comments made on a radio program (the "Christian-Patriot Connection", KPBC-770 AM, Dallas, Texas in which I and Michael Ellis interviewed attorneys Erik Moebius, David Parker, and Nick Milum) and a 207-page article written by Erik Moebius. The complete text of the radio interview and Mr. Moebius' article can be read or downloaded from the "News" sub-section from the AntiShyster Internet webb site located at "www.antishyster.com". Although I've edited and reorganized this article, Mr. Moebius is the principal source of virtually all of the comments and is therefore credited as its author.

> Erik Moebius has been a lawyer for fifteen years and served for five years as a Texas Assistant Attorney General. The man is credible; his story is too fantastic to be fictional. Although I believe his allegations are essentially true, I don't know them to be precisely accurate. Therefore, this article is presented only to provide the reader with an opportunity to consider Mr. Moebius' extraordinary public allegations. However, as another journalist pointed out, if just 10% of Mr. Moebius' allegations are true, they deserve a very serious investigation. In fact, if all of his allegations are true, they will cause a fire storm of public anger, investigation, criminal indictments, and perhaps a massive reform of the courts and insurance industry.

> Mr. Moebius' allegations are complex. Read them anyway -- they are important.

> I guarantee this article offers some unimaginably chilling insights imaginable into the underbelly of our legal system and the insurance business.

> According to Mr. Moebius, "reserve fraud" depends on several elements:

> > "1) Unlike conventional insurance companies, mutual insurance companies have policy-holders but no public stockholders. Therefore, mutual insurance companies are not subject to the rules, oversight, or investigations of the U.S. Securities and Exchange Commission.

> > 2) When an injured party files a claim against a mutual insurance company, the amount of money that might be paid on the claim is removed from the insurance company's profit account and placed in their "reserve account" until the claim is settled. At any given time, a reserve account can contain millions of dollars. If the money is paid to the claimant, it is deducted from the reserve account as an untaxed business expense. If the claim is denied, the money is taken from the reserve account and restored to the profit account.

> > 3) At the end of the year, mutual insurance companies pays taxes on whatever money is left in their profit accounts, and return the balance to their policy holders in the form of reduced premiums or cash rebates. Although a particular company may have generated millions of dollars in profits, those profits are not generally available to the company's owners and executives. Being denied easy access to millions of dollars in profits can make some owners and executives jealous, frustrated, and greedy.

> > 4) Money paid out for insurance claims is reported as legitimate business deductions by insurance companies to State and federal taxing authorities.

> > However, because money won in court is not taxable -- there is also no tax reporting requirement for the recipient of those funds. A criminal opportunity is created because insurance money paid out is reported but insurance money received is not reported, and because there is minimum public oversight for mutual insurance companies.

> > Mr. Moebius alleges that coalitions of lawyers, judges, and mutual insurance company executives have devised a scheme to extort enormous sums of money from the insurance company "reserve funds" by 1) finding -- or causing -- catastrophic accidents (often involving the deaths of children); 2) "separating" the plaintiffs from their legitimate claim against the mutual insurance company,; and 3) secretly processing the claim and dividing the proceeds among the conspirators without paying one dime to the legitimate plaintiff.

> > The "genius" of this reserve fraud scheme is that just one or two catastrophic accidents per year are enough to extort tens of millions of dollars that should legally go to the IRS as taxes and the policy- holders as rebates.

> > Further, if enough money is extorted, the insurance company may be able to report a loss for the year and justify raising its insurance premiums and thereby generating an even larger sum of money to be extorted in the next year.

> > Since Mr. Moebius started making these allegations, the State Bar of Texas has reportedly tried to disbar him twelve times. Failing to disbar him, a judge has recently "enjoined" him from practicing law (he's still licensed, but can't practice law without being jailed for contempt). He has been fined $175,000 -- nine times more than any other attorney he can find -- for attempting to expose his allegations. Various elements of the Texas government have repeatedly tried to arrest Mr. Moebius and he is in fear for his life -- especially if he is jailed."

> > End of Eric Moebius interview.

> Author’s note: Seamless, secret criminal networks across the “law abiding” social spectrum have a historical precedent. The Thuggee cult of India lasted 2000 years, with estimates as high as 40,000 victims per year. Travelers were deceived, ritual murdered and robbed by members of the cult. This cult activity was integrated into the banking industry, law enforcement and government. As in the Yogurt Shop case, collusion by family members must have been involved.

> This embezzlement/money laundering activity is covered by the U.N. Convention against Transnational Crime, if an affected nation makes a claim. It is doubtful that the present Russian Federation Administration will do so.

> Property and casualty insurance companies were excluded from the money laundering provisions of the Patriot Act, because their money laundering function has been protected by the United States authorities.

> Mutual insurance companies are regulated by State Insurance Commissions. The state Insurance Commissioners are primarily concerned the solvency of insurance companies, with a secondary concern of payment of claims. No outside agency or accounting firm audits the internal financial activities of the mutual insurance company.

> Embezzled funds can be electronically transferred into insurance contingency reserve accounts, without the embezzler being caught! The stolen money cannot be traced back to its rightful owners, but it now appears to come from a legitimate source.

> United States health, property and casualty mutual insurance companies are using contingency reserves to launder money from world wide sources, particularly Moscow. The financial distress of this former Cold War adversary is strategic for US military ambitions in Central Asia. Per the Roman, Nazi and Stalinist precedents, seeking total world domination requires the creation of a domestic police state. The perpetrators of the money laundering scheme enjoy a comfortable relationship with USA law enforcement, corporations and government.

> This article is intended an urgent plea for further research by conspiracy and 9/11 investigators! Insurance company money laundering is providing billions toward the creation of a United Police States. The perpetrators of this scheme of staged murders and fatal accidents are connected to covert operations. This writer can trace one perpetrator's clandestine activities to 1945, in the area that became East Germany. The perpetrators travel outside the United States, and have world wide contacts.

> With the US dollar as a medium, embezzled money can electronically transferred into contingency reserve accounts from anywhere on the planet.

> Read about STAGED TERRORISM: A MONEY LAUNDERING GANG WAR

> Read aboutTHE CONTRACT: A Short Novel

> Received 01-03-2004