No one. It's up to a court to decide. If you haven't been declared liable/guilty...

		gruez on Dec 29, 2021 \| parent \| context \| favorite \| on: Want to be an actuary? Odds are, you’ll fail the t... No one. It's up to a court to decide. If you haven't been declared liable/guilty by a court, you're not liable/guilty. It's simple as that.