The D|AX insurance I|N|SH|UH|R|AX|N|S IH|N|S|UH|R|AX|N|S I|N|S|UH|R|AX|N|S IH|N|SH|U|R|AX|N|S I|N|SH|U|R|AX|N|S IH|N|S|U|R|AX|N|S I|N|S|U|R|AX|N|S IH|N|SH|UH|R|AX|N|SH I|N|SH|UH|R|AX|N|SH IH|N|S|UH|R|AX|N|SH I|N|S|UH|R|AX|N|SH IH|N|SH|U|R|AX|N|SH I|N|SH|U|R|AX|N|SH IH|N|S|U|R|AX|N|SH I|N|S|U|R|AX|N|SH rate R|A|T Mr M|I|S|T|ER M|IH|SH|T|ER M|I|SH|T|ER M|IH|S|T|I R M|I|S|T|I R M|IH|SH|T|I R M|I|SH|T|I R Victor B|IH|K|T|ER V|I|K|T|ER B|I|K|T|ER V|IH|K|T|I R B|IH|K|T|I R V|I|K|T|I R B|I|K|T|I R was W|U|Z W|AA|S W|U|S assessed AX|SH|EH|SH|T AX|S|I|S|T AX|SH|I|SH|T went W|I|N|T up O|P this D|IH|S DH|I|S D|I|S DH|IH|SH D|IH|SH DH|I|SH D|I|SH year Y|I|R after A|F|T|ER AE|P|T|ER A|P|T|ER AE|F|T|I R A|F|T|I R AE|P|T|I R A|P|T|I R he HH|IH admitted AX|JH|M|IH|T|AX|JH AX|D|M|I|T|AX|D AX|JH|M|I|T|AX|JH that D|AE|T DH|A|T D|A|T he HH|IH had HH|A|D HH|AE|JH HH|A|JH started SH|T|AA|R|T|AX|D S|T|U|R|T|AX|D SH|T|U|R|T|AX|D S|T|AA|R|T|AX|JH SH|T|AA|R|T|AX|JH S|T|U|R|T|AX|JH SH|T|U|R|T|AX|JH smoking SH|M|O|K|IH|NG S|M|U|K|IH|NG SH|M|U|K|IH|NG S|M|O|K|I|NG SH|M|O|K|I|NG S|M|U|K|I|NG SH|M|U|K|I|NG again AX|G|I|N