Council assesses partial investigation costs when agent leaves clients uninsured.

Agent’s actions “diametrically opposed” to insurer’s policies and cancellation requirements.

Supervision, remedial course work and costs follow decision to “help” client.

Decision says regulator made a point of not re-prosecuting case from another province.

Lacking documentation makes it difficult for outside parties to assess transactions.

She stated that she acted on instructions from her supervisor.

Defrauded and bankrupt rep “largely the architect of her current financial misfortune.”