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A long-awaited analysis report on the troubled Louisiana Citizens Property Insurance Corp. found signs of deceiver and abuse on Monday by the state-sponsored bondsman of last resort, which did not have enough finances to pay claims after Hurricane Katrina.

The special analysison by Legislative Analysisor Steve Theriot found that Citizens and related entities spent more than million between 2004 and 2006 on travel, meals and entertainment even though Citizens isn’t supposed to be recruiting business as an insurer of last resort.

The impact of the article may largely hinge on whether Citizens and its related entities are rendered public or private organizations.

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The story details golf outings, fishing excursions, quail hunts, football tickets, gifts, airline tickets, hotel rooms and trips to Bermuda, New York and the beach in Alabama that were billed to the public through Citizens, the Property Insurance Association of Louisiana and Louisiana Automobile Insurance Plan.

It also describes improper bonuses and severance packages, and hiring family members and lobbyists.

Theriot’s inquiry places fault on Terry Lisotta, the former head of the agencies, who could not be reached for comment Monday and who declined to make written comments on the story.

“By claiming expenditures he did not incur and by expending public funds for personal purposes, Mr. Lisotta may have violated state and federal laws,” Theriot wrote, citing state laws on theft, filing false public records, malfeasance and federal codes on embezzlement and misappropriation.

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The circumstances is made worse, Theriot said, because property owners across the state will see special assessments for years to come because Citizens didn’t have enough bill to pay claims when Katrina hit.

Until recently PIAL, a fire-rating agency, provided all the staff for Citizens and accounted for most of its expenditures; and LAIP, auto insurer of last resort, held Lisotta’s contract even though it accounted for only a tiny portion of his responsibilities. Citizens has not been able to balance its books since Hurricane Katrina because of a massive computer crash. An effort to reconstruct the records is supposed to be completed later this year.

Theriot, who was out of the office and unavailable for comment Monday, said he has sent copies of his work to Jim Letten, U.S. attorney for the Eastern District of Louisiana, and to Paul Connick, district attorney for Jefferson Parish, where the offices of Citizens and its related entities are located.

Letten said he hasn’t seen the chronicle and was unable to comment. Connick’s office confirmed that it had received the story, but said it was unable to comment.

The article comes amid Insurance Commissioner Jim Donelon’s run for re-election. The insurance department does not have direct control over Citizens and the other agencies, but it has appointees on each board.

Donelon said he found the misapplications “egregious” and has taken steps to correct them by installing new management at Citizens and encouraging the groups to operate in a more transparent way.

“I’m pleased to say that we have aggressively addressed those issues, and I’m totally confident that we have the checks and balances in place, and the people in place, — to prevent that type of activity in the future,” Donelon said.

The ramifications of the account may ultimately hinge on whether Citizens and the other entities are deemed to be public or private.

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According to the report, Lisotta told Theriot’s analysisors that the three agencies operated without regard to the state laws that govern public agencies because lawyers for the group advised him that the groups were private entities.

At Donelon’s urging, new management at Citizens and LAIP have asked Attorney General Charles Foti for opinions about whether they are public, private or something in between.

Two weeks ago, Theriot issued an article saying that PIAL was public, but on Friday the group filed suit in Baton Rouge challenging that finding.

PIAL Attorney A.J. Herbert said whether any laws were broken depends on whether the groups are considered public or private.

“Some of the expenses that the auditor has questioned would likely to be questioned if you’re public or private,” Herbert said, “but a great many of them hinge upon whether you’re public or private.”

Lisotta expenses in question

Of the ,040,731 that Citizens, PIAL and LAIP spent from 2004 to 2006, Lisotta “was reimbursed and/or spent” more than a quarter of that, or 4,245.

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Theriot audited only 10 percent of that figure, or ,702, and found that in each instance “Lisotta was reimbursed for expenses he did not incur, expenses that did not have a legitimate public purpose and expenses that were personal expenditures.”

More than half of Lisotta’s expense accounts either weren’t signed by a board member or were signed after Lisotta had reimbursed himself. “Because of poor record-keeping, we cannot confirm his total expenditures,” Theriot wrote.

Examples of lavish expense-account spending and poor examinationing controls abound.

In February 2004, for example, Lisotta and then-Citizens Chairman Chris Faser flew to London on a reinsurance trip via Bermuda and New York. Lisotta billed LAIP ,219 for his wife’s airfare to Bermuda and New York and didn’t pay it back. In Bermuda for the weekend when they weren’t working, the Citizens reinsurance broker arranged for Faser to go fishing and for Lisotta to play golf. Lisotta billed PIAL for the golf and bought cigars.

Records indicate that Lisotta spent at least ,631 in public cash for personal business on the trip.

In September 2004, LAIP paid 0 for Lisotta to enter the Wally Pontiff Jr. Foundation Golf Classic. Lisotta was reimbursed 0 and then 0 for participating in the tournament. Even the original entry fee doesn’t count as a “legitimate public purpose,” according to Theriot.

The outing included former Louisiana Insurance Rating Commission member Steven “Rock” Ruiz, who declined to respond to the findings of the report.

In October 2004, Lisotta billed his employer 9 for a trip to Gainesville, Fla., to see a Louisiana State University football game with Insurance Department Chief of Staff Chad Brown, even though no business was conducted during the trip.

In written comments on Insurance Department stationery, Brown says that he paid for his own hotel stay and didn’t know that Lisotta had billed taxpayers for his; Brown said that Theriot impugned his character by mentioning him in the report.

During the 2005 Mardi Gras, Lisotta billed LAIP for two hotel rooms at the Avenue Plaza Hotel in New Orleans for his daughters, and a room for himself at the Hotel InterContinental for a total of ,227.56, and was reimbursed for 8.27 in expenses that he didn’t incur, according to the story.

Lisotta also helped his daughter Rachel in July 2004 meet her cheerleading squad fundraising goal of selling 200 Zephyrs baseball tickets by buying 100 of them for a “staff function.” The tickets then were distributed to PIAL employees.

Lisotta used his PIAL credit card to pay for trips in May and July 2005 for his daughter Megan to go to New York, where she attended New York University.

In the summers of 2004 through 2006, Lisotta’s daughters earned ,430 as part-time employees of PIAL, and sometimes worked from home without signing time sheets. An agency head is not supposed to employ immediate family members, the announcement says.

More problems within

Problems existed elsewhere as well.

In 2004 and 2005, LAIP spent ,851 for annual meetings in Sandestin, Fla., that had been held since 1978 for “bonding, socializing and strategizing” purposes.

People in the information technology department spent ,900 in public finances for personal purposes, according to the announcement.

Bonuses totaling 0,299 were paid by PIAL to senior management and other employees, a move that the article says may have violated the state Constitution. In addition, salary increases weren’t properly documented.

The article also says that a severance package of ,850 was paid to Caryl Mathes, former chief operating officer for PIAL and acting chief financial officer for Citizens, another violation of the state Constitution.

The agencies also paid 1,264 in property taxes to Jefferson Parish, even though public entities don’t have to pay taxes.

Citizens has paid PIAL ,248,351 for equipment, but ownership of the assets has not been transferred to Citizens.

In May, PIAL hired the law firm of Adams and Reese LLP as its lobbyist. Adams and Reese employs former Insurance Commissioner Robert Wooley, who had set up Louisiana Citizens.

Full predicted

Sen. Tom Schedler, R-Mandeville, chairman of the Legislative Investigation Advisory Council, said he’s not surprised that PIAL is challenging the designation that it is public, because it’s the only way out of the examination findings that could expose it to legal action.

Schedler said his group meets Wednesday and will probably ask the legislative examinationor to perform a full audit of the group in light of the concerns raised in the story.

Schedler believes the report could spur the new governor and new Legislature to take another look at Citizens and its structure.

“I almost think they have to start from square one with this thing. I think they need to start from scratch,” he said.

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Holiday vacation is never seemed boring. Many people either man, woman, young, and old are look excited to spend their quality time together. The recreation itself is held to discover or exploring new place around the world. Whitby might be a perfect destination to visit. It is offering beautiful area in North Yorkshire.

The beautiful area in Whitby, North Yorkshire, England is design to attract its visitors of special attraction. Each visitor is allowed to choose one of Whitby cottages before exploring the area in detail. The cottage is offering different rooms and facility to stand in few nights. It is define specific price which starts from 169 to afford. It is suitable for those families or individual who looks for private accommodation to capture beautiful moment of a lifetime. The historical building of warmth environment wont let you regret to afford fun and entertaining holiday in England.

The Cottages Whitby is design to make people feel comfort while staying inside. It is optional since you can choose special room which ideally made for couple to enjoy their honeymoon and/or family used toward cost effective room. So if you plan to spend few days in England, dont forget to visit North Yorkshire for sleeping over.

As you know, one of the most preferable destination places for the people to get the holiday is Paris. In addition, Paris has a lot of place to visit since all of the artistic art or creation is available for many there. Well, if you have a plan to go there, make sure that you have already prepared all the things properly including the accommodation and transportation. For foreigner or traveler, there are a lot of thing to be known to help you in getting the holiday easier. The emergency call number for the traveler must be known first to get a help for public services.

In addition to that, one of the main things is the transportation. As we know, in holiday there will be a lot of tourists come to Paris. Thus, it is not surprising that the airport will be so busy in handling the passenger to the destination that they really want. The limitation of the public transportation will not be compared with the amount of the passengers or tourist. Therefore, the availability of the car rental services is very useful for the tourist. One of the services which are able to be used is the Hertz Paris. This service is able to be used cheaply for the tourists.

Besides, there is a Hertz Orly which is also has the same platform company. This two services are available in help you to carry you to the best destination in Paris easily. The process of renting a car is easy. You can try to book it online from the link which is available above. The link will directly connect with the online quote from for the customer who is willing to book this service. The day that you choose and type of accommodation that you prefer will affect the rate of the price. If you are willing to do that just do it now!

Each and every person wants to have the best holidays. For this they plan a lot and always try to get the best deals. The planning of whole year turns in to disaster if the accommodation place is not according to the needs. The area to be residing in; must be comfortable enough to fulfill at least the daily necessities of life. So, if you are also planning for the holidays, you must also ensure that you have selected the best accommodation for you.

Nowadays, rental villas are becoming very popular. The reason for their popularity is provision of luxury in affordable rates. These luxury vacation rentals are available in almost every country of the world. They have ability to turn your holidays in the most memorable time of your life. I can bet, you would not be able to forget that period of your life.

The perfect vacations should be planned in the most romantic city, Paris. It is because; Paris has many dazzling tourist spots and other attractions. You can enjoy the incredible views, you can walk across the street and can praise the architecture, you can see different monuments, you can have a sight of one of the wonder of the world i.e. Eiffel tower and you can enjoy your time in shopping, disco or casinos. The night life of Paris is full of attraction.

You can enjoy all of the charisma’s if you have nice place to relief your stress and make you get ready for every day energetic exploration. The France villas are such places where you can have comfortable stay and relaxing environment. They are designed in a way that it provides you the best services and luxuries of life. They are made in the heart of the city, so that you can stay connected with the daily activities.

Additionally, they are made in a manner that it took special care of your comfort, relaxation and the privacy. They have used high quality materials to give the luxurious stay. They provide even opportunities to select the tailor made options for their villas. They have allowed you to hire personal servant, maid, chef, guard and driver for facilitating your needs.

These luxurious villas are even quite simple to get. You can use internet facility for booking the villas. The TV sets, microwave oven, kettle, washing machine, internet facility, swimming pool, surround sound system, toaster, utensils in the kitchen, dining tables, furniture, lights, big and wide windows, balcony, terrace and many more are the part of these luxury villas. You can even ask for other facilities if you want. This will give you prefect stay at France and will make you holidays a perfect gift of nature.