The day the cruise was scheduled to depart from Port Klang, Mike still did not receive the balance due from the insurance company. He went to the head quarter to demand the remaining of his payment. He met Ramli, the agent who came to his house on that day, and Ramli pointed out to him on page 10, which they told Mike, "clearly indicates that you waived your right to the balance due by not returning the form in the agree upon time." Mike was so upset and he left the office.

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