The accused made their presence felt early, with defence lawyers arguing loudly over procedure with the three-judge panel which will decide the case.

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The same procedure of an outside review must be followed, however, and the review panel must overturn the insurer's decision.

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He described the way the disciplinary procedure had been handled as "cack-handed" and "chaotic", saying the panel felt the dismissals were as a result of issues raised by Mr Routledge regarding the conduct of a member of staff who was a good friend of the Lockes.

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