Malcom Smith, an eighteen-year old college student and professional dancer, was riding in the back seat of a friend’s car when another driver made an illegal left turn. The car smashed into the car Malcom was riding in, paralyzing him from the waist down. We took the case and prepared for trial. We were ready. On the Saturday night before a trial specially set for Tuesday, the defendants gave in and agreed to a confidential settlement that will provide funds to Malcom for the rest of his life. The amount exceeded the defendant’s policy limits by a substantial amount.