1.  The presumptive award as stated by the regulations narrows down to a concept of
     signing a contract without receiving adequate and accurate information beforehand; it
     accounts to an uninformed consent.   It seems to us that families of the victims of
     September 11, 2001 terrorist attacks were not only robbed of their love one's lives, but
     now your regulations are robbing our rights.  Criminals, robbers and others belonging to
     obscure business have Miranda Rights, right to free counsel, and unrestricted right to
     sue when done wrong.  Healthcare patients have Bill of Rights, informed consent, and
     other protections such as unrestricted right to sue when done wrong.  Where are we
     cataloged? 
     	2.  Your regulations lack consistency with the rule of law.  You treat us different from
     anyone else.  These regulations are clearly inconsistent and contrary to the statutes for
     compensating victims' families.  
     	3.  Our Government failed to protect its citizens at home.  The responsibility for this
     massive failure not only includes the airline industry, but the FAA, FBI, CIA; Port
     Authority of New York/Fire Department for failing to have adequate evacuation plans
     to rescue workers in the upper floors in extreme cases of emergency and/or fire.  Many
     families received calls from their love ones (who worked at 1 WTC 101st floor and
     higher, or 2 WTC), these workers were alive and well after the first plane hit Tower
     One and were trying to find exits.  The obstacle was that the stairs were blocked, and
     these unwilling victims were unable to safely reach their way out.  Notwithstanding
     these facts, (that failed t protect our families in the first place) has placed
     restrictions/limitations on our ability to sue when done wrong.
     	4.  Congress and President Bush intended to compensate families for the harm done to
     each family (economic and non-economic damages).  The deceased's families are
     entitled to receive full and fair compensation for pain and suffering, loss of
     companionship, loss of benefit to have the victims live their life to the fullest.  Yet, your
     regulations arbitrarily limit the term relatives and minimize the financial aspect of
     economic losses.  Its language limits the term relatives and minimize to wives and children. 
     What about the victims who were single, yet responsible for other relatives?  Many victims
     provided services and assistance to their families, and these families should be
     unrestricted in receiving the full value of these services.  Regarding the financial aspect
     of your regulations, the growth path of earnings must accurately represent this group. 
     Most victims were highly successful and financially independent.  Their path of earnings
     and their rate of salary increases were well above the national average.  But not only
     the Special Master does not consider this crucial point, he goes one step further and
     lowers the base of the financial award by computing a mean based on last 3 year
     earnings.  Remember, Osama Bin Laden attacked the symbols of success and
     capitalism.  
     	5.  Furthermore, your regulations treat the victims as statistical budgetary burden by using
     economic tables that are flawed and low.  Additionally, Professor         ,
     Forensic Economist, of          University stated that the calculation of your work-
     life tables uses old statistics from 1979 and 1980 and that these numbers are lower for
     women..  The number of women and their rate of success and working years has
     greatly increased since then.  
     	6.  The presumptive award should not be reduced by the amount of contribution victim's
     estates have received from pension plans, 401k, life insurance, voluntary contributions
     from employers, social security, etc.  Our love ones earned these monies throughout
     their working years; it is rightfully theirs.
     	7.  Our family has a question that we would like to be answered: Is the unconditional
     generosity of the people of this nation greater than the Federal Government's
     conditional liability/failure to protect its citizens in their own homeland whose only "fault
     " was to go the morning of September 11, 2001?
     	8.  Our family supports         position on this matter.