Because she always documents her telephone conversations, Patsy is certain that she did not call Robbie to discuss adding an endorsement to his businessowners policy. Of course, she can produce no documentation about a conversation that never took place. Robbie insists that she did make such a call, but he is going from memory and has no proof that the conversation he "remembers" actually took place. What would the court do in resolving a situation like this?

• a. decide whether Patsy or Robbie is more credible
• b. render a decision in favor of the agent
• c. render a decision in favor of the policyholder
• d. split the difference and give Robbie half of what he demanded