Appellant, Auto-Owners Insurance Co., defendant in the trial court, appeals the denial of its motion for a new trial after the jury found in favor of its insured, Donald Haygood, Sr., the appellee. Auto-Owners claims that, as a matter of law, it is entitled to a new trial because of various alleged material misstatements by Haygood. It also complains of four evidentiary rulings by the district court, asserting these errors compel us to order a new trial. We find all of Auto-Owners' asserted grounds for relief to be without merit; therefore we AFFIRM the denial of the motion for a new trial.

Donald Haygood had a homeowners' insurance policy from Auto-Owners on his home in Lumpkin County, Georgia. On September 7, 1988 that home burned to the ground. After months of investigating the claim, Auto-Owners ultimately denied coverage claiming the policy was void because it believed that Haygood had deliberately caused the fire. In addition, Auto-Owners claimed that Haygood had made several material misstatements to the insurance company in the course of its investigation, misstatements which voided the policy. After demand Auto-Owners refused to pay out on the policy and Haygood sued to enforce it. Auto-Owners raised the affirmative defenses of arson and material misstatements. In light of Auto-Owners' assertion that it is entitled to a new trial on evidentiary grounds, the evidence presented is summarized briefly to place its arguments in context.

Under Georgia law "[a]n insurance company can prevail in an arson defense based solely on circumstantial evidence if it shows that the fire was of incendiary origin and that the [insured] had both the opportunity and motive to have the fire set." Fortson v. Cotton States Mutual Ins. Co., 168 Ga.App. 155, 308 S.E.2d 382, 385 (1983). Accord Massachusetts Bay Ins. Co. v. Hall, 196 Ga.App. 349, 395 S.E.2d 851, 857 (1990). Auto-Owners presented evidence on all three of these elements.

The evidence at trial revealed that Haygood had the opportunity to set the fire as he was the last person on the property before it caught fire. In addition, he told conflicting stories about what time he left the property, giving times ranging from as early as 7:30 P.M. to as late as 11:30 P.M.. There was also evidence that his nephew, who was living with him at the time, made several suspicious trips between his parents' home and Haygood's property to move various belongings. Finally, a neighbor testified that she had seen a moving truck or van in front of the Haygoods' home only a few days before the fire.

The evidence further showed that Haygood may have had a financial motive for burning the property to collect the insurance. In 1986, two years before the fire, Haygood had gone into bankruptcy because his bank was about to foreclose on the house. The evidence showed that just prior to the fire the bank may have been about to foreclose again, this time for Haygood's failure to keep up with his payments as scheduled by the bankruptcy court. Haygood attempted to refute the evidence of motive by evidence that he was not in the financial straits suggested by Auto-Owners, but the evidence clearly suggests that he was indeed still experiencing some financial difficulties.

Nevertheless, the presence of motive and opportunity are not enough. In order to prove its defense Auto-Owners also had to prove that the fire was intentionally set. This proved to be the weakest evidentiary link. The evidence on this point was in conflict. Auto-Owners' expert testified that he found a "pour pattern" indicating intentional burning with some sort of accelerant. Not surprisingly, Haygood's expert testified he found no such evidence of intentional burning. Neither expert had conducted tests for the presence of any accelerant. The case was submitted to the jury which found in favor of the plaintiff Haygood in the amount of $306,750. Auto-Owners then moved for a new trial. That motion was denied and this appeal ensued.

The decision to grant or deny a new trial is reviewed under an abuse of discretion standard. Fondren v. Allstate Ins. Co., 790 F.2d 1533, 1534 (11th Cir.1986). In general, in exercising that discretion, trial courts are instructed to grant new trials sought on an evidentiary basis only when the jury verdict "is against the great--not merely the greater--weight of the evidence." Id. (citation omitted). This standard is intended to preserve litigants' right to a jury trial and to ensure that judges will not substitute their own judgment for that of the jury with respect to disputed issues of fact. Id.

On appeal, Auto-Owners asserts that it is entitled to a new trial because various statements made by Haygood constituted material misstatements "as a matter of law." See Appellant's Brief at 18 and passim. Under Georgia law, "[w]hether a misrepresentation is material is a jury question, unless the evidence excludes every reasonable inference except that there was or was not a material misrepresentation." Perry v. State Farm Fire & Casualty Co., 734 F.2d 1441, 1444 (11th Cir.1984) (citing United Family Life Ins. v. Shirley, 242 Ga. 235, 248 S.E.2d 635, 636 (1978)). By arguing these statements are material misstatements as a matter of law, Auto-Owners appears to suggest that this issue was improperly submitted to the jury.

However, Auto-Owners never moved for either a directed verdict or a judgment notwithstanding the verdict on this issue. We are not inclined to order a new trial based on our independent evaluation of evidence which the defendant claims demonstrates how the trial court should have ruled on a motion the appellant never made. Our review is limited to errors allegedly made by the trial court, not those made by counsel. See, e.g., Lattimore v. Oman Const., 868 F.2d 437, 439 (11th Cir.1989) (per curiam ) (appeals court will not consider issue raised for the first time on appeal unless it is a "pure question of law" or a "refusal to consider it would result in a miscarriage of justice") (citation omitted). See also Long v. Insurance Co. of North America, 670 F.2d 930, 933 n. 1 (10th Cir.1982) (arguments not raised in trial court need not be addressed on appeal).

In addition, a review of the alleged misrepresentations and the record evidence convinces us that each was of such a nature that the jury was quite properly given the task of resolving the conflicting testimony and assigning the credibility and weight it found to be appropriate.

Auto-Owners' second argument is that it is entitled to a new trial on the basis of what it describes as a number of erroneous evidentiary rulings by the district court. Evidentiary rulings are also reviewed under an abuse of discretion standard. Finch v. City of Vernon, 877 F.2d 1497, 1504 (11th Cir.1989). Moreover, even if Auto-Owners can show that certain errors were committed, the errors must have affected "substantial rights" in order to provide the basis for a new trial. See FED.R.EVID. 103(a). "Error in the admission or exclusion of evidence is harmless if it does not affect the substantial rights of the parties." Perry, 734 F.2d at 1446. See also Allstate Insurance Co. v. James, 845 F.2d 315, 319 (11th Cir.1988).

The first evidentiary ruling Auto-Owners challenges as error is the admission of Haygood's Exhibit 22. Exhibit 22 is a portion of the transcript of Haygood's statement made under oath to the insurance company in the course of its investigation of his claim. In this statement he says that, according to a credit bureau report which was destroyed in the fire, he had a "1A" credit rating before he declared bankruptcy. Auto-Owners objected to the admission of this exhibit on several grounds, primarily that it was hearsay. In response, Haygood's counsel argued that since Auto-Owners wanted to admit a portion of the statement, see Defendant's Exhibit No. 74 (other portions of same statement under oath), Haygood was entitled to "supplement or make whole" the entire statement in context under Rule 106. See FED.R.EVID. 106. R7-480.1

We agree with Auto-Owners that this exhibit was erroneously admitted. Rule 106 allows a party to enter into evidence any part of a "writing or recorded statement" when "in fairness" that portion should be "considered contemporaneously" with the portion submitted by the adverse party. FED.R.EVID. 106. The obvious import of the rule is to allow a party to put a statement in context where, without the context, the meaning would be distorted. The touchstone for an admission under Rule 106 is that the evidence be necessary in order for some other evidence to be "fairly" considered.

Such was not the case with Exhibit 22. Haygood's statement about his credit rating was not necessary to clarify or put in context anything submitted by Auto-Owners in Exhibit 74. It followed his assertion, given in the statement under oath during the investigation of his claim, that he was current on all of his obligations prior to his bankruptcy. Auto-Owners wanted Haygood's statement that he was "up to date" admitted as evidence of a material misstatement in light of other evidence showing that he was delinquent on some of his obligations at that time. It objected to the statement about his credit rating as hearsay. Indeed, Haygood's claim about his credit rating was hearsay within hearsay. The reference to the credit bureau rating was an attempt to corroborate his claim that he was not delinquent by referring to a report from a credit bureau which was never offered in evidence.2 As Auto-Owners points out, this statement was "not necessary to qualify, explain, or place in context" any statement by Haygood as is required for the admission of evidence under Rule 106. Appellant's Reply Brief at 8. Therefore, it was erroneously admitted.

Nevertheless, Auto-Owners fails to cite a single case in which such an error has been held to entitle the moving party to a new trial unless the error affected a "substantial right." We are totally unconvinced that this error affected a substantial right. Jurors know, and are instructed, that they are free to believe all, none or some part of a witness' testimony. Haygood's statement about his credit rating, since it was consistent with his claim that he was "up to date," would have merely reinforced Auto-Owners' case had the jury found Auto-Owners' evidence convincing and Haygood's testimony not credible. Credibility determinations are for the jury. Hewitt v. B.F. Goodrich Co., 732 F.2d 1554, 1558 (11th Cir.1984) (it is jury's role, not judge's, to make credibility determinations). We will not disturb those findings now.

Auto-Owners' second objection with respect to Exhibit 22 relates to Haygood's counsel's closing argument. Appellant's Brief at 30. Haygood's attorney argued to the jury that Auto-Owners had attempted to mislead the jury by only submitting a part of Haygood's statement in its Exhibit 74, as if the part added in Exhibit 22 clarified or contradicted what was entered by Auto-Owners.3 In fact, as discussed above, the statements added by the plaintiff did not contradict the statement entered by the defendant, but were consistent with it. Thus, this argument was misleading to the extent that there were no grounds to admit the exhibit in the first place. That is, it was not proper for Haygood's attorney to suggest that Auto-Owners was "hiding" something by properly objecting to the portion of the transcript which Haygood submitted, because this portion did not contradict anything submitted by Auto-Owners.

Nevertheless, at no time during or after the closing arguments did Auto-Owners object on this ground, nor did it ask for a limiting instruction, so the objection to the closing argument is waived.4 See Allstate, 845 F.2d at 319 & n. 4 (review for prejudice in closing argument dependent upon timely objection). And even were it not waived, it is simply not the sort of "substantial" error that would entitle Auto-Owners to a new trial.

The second evidentiary ruling which Auto-Owners claims was error is the exclusion of its Exhibit 34. Defendant's Exhibit 34 was a letter, sent to the Haygoods from an attorney representing the bank that held the mortgage on Haygood's house, announcing that foreclosure was imminent. The district judge excluded this letter as hearsay. We agree with the appellant, Auto-Owners, that this exhibit was also erroneously excluded because it would have qualified under the business records exception to the hearsay rule contained in the federal rules. FED.R.EVID. 803(6).5 Once again, however, any error was harmless because Haygood testified on direct examination that he knew the bank was about to foreclose on his home when he filed bankruptcy, so there is no question as to his knowledge. And as to the terms of the note, that note was entered into evidence as Defendant's Exhibit 30. We are at a loss to understand what crucial piece of information could be gleaned from Exhibit 34 that was not adequately brought out through other evidence.6

The biggest mystery surrounding Exhibit 34, however, is its appearance in the record on appeal among the admitted exhibits. The exhibit is marked with a label which clearly has "rejected," hand written and then crossed out, on it. It also clearly has "admitted" stamped on it.7 Notwithstanding the "admitted" stamp, we can find no place in the transcript in which the trial judge admitted Exhibit 34, although we find several places where he rejected it. There is also no question that the original document labeled "Defendant's Exhibit 34" is the same document described in the transcript and in Auto-Owners' brief on appeal. However, had there been any doubt on this point we would be hard pressed to resolve it by resort to any of Auto-Owners' submissions to this court.

In its motion to supplement the record on appeal with the rejected exhibits, Auto-Owners makes no mention of Exhibit No. 34 and does not include it with the documents filed with the court. See R.Supp. 1-76-1 & 1-78-1. Nor does it call to our attention that there is any confusion concerning the exhibits. Similarly, in Auto-Owners' motion for a new trial to the district court Exhibit 34 is never mentioned. R3-66-7.8 Based on the transcript, there is no doubt that the trial judge meant to exclude this exhibit. There is similarly little doubt that it nevertheless was somehow given to the jury. For this reason, as well as the failure to raise the issue below, we find the error complained of harmless.

Similarly, we find Auto-Owners' objection to the exclusion of its Exhibit No. 66, an unsigned loan application to the Federal Land Bank ("FLB"), to be without merit. Auto-Owners failed to lay the proper foundation for this exhibit at trial. Moreover, [since Haygood never denied that he had applied for a loan from the FLB] it appears Auto-Owners was attempting to enter this exhibit into the record as evidence that, at various times, Haygood had assigned lower values to his personal property. In light of the three other estimates that were in evidence, see Plaintiff's Exhibit No. 13 (Proof of Claim) & Defendant's Nos. 57 (bankruptcy declaration) & 120 (FLB proposal), this exhibit would have been cumulative.

Finally, Auto-Owners complains that its Exhibit No. 71 was erroneously excluded. Exhibit No. 71 is a copy of Haygood's bank statement. Auto-Owners claims it wanted this evidence admitted because it "directly contradicted appellee's statements concerning his financial condition at the time of the fire on September 7, 1988." Appellant's Brief at 19. However, Auto-Owners failed to lay a proper foundation for the admission of this record because the bank employee could not positively authenticate it and Haygood claimed not to be able to positively identify it. See R5-86-88, R5-116-119, and R6-329.

Moreover, the relevance of this document is questionable on a number of grounds. First, although the statement shows Haygood's balance was $1,086.90 on August 5, 1988, it also shows that his balance was $1,799.07 on the day of the fire. Thus, Auto-Owners' statement, that Exhibit No. 71 "showed that appellee had only $1,000 in bank" "at the time of the fire," Appellant's Brief at 19, was not as candid as it might have been. Second, Auto-Owners' assertion that this exhibit "directly contradicted appellee's statements concerning his financial condition" seems exaggerated because Haygood's balance in one account, taken in isolation, does not seem to prove very much. It certainly does not show, without more, that his financial condition was bad. Indeed, we venture to guess many people would describe themselves as well off with a bank balance of $1,000. Therefore, its relevance was doubtful, and, on an abuse of discretion standard, doubt is generally to be resolved in favor of the district court's order. See Allstate, 845 F.2d at 320.

Third, and most disturbingly, the jury heard, notwithstanding the judge's exclusion of this exhibit, the very thing Auto-Owners wanted it to know--the amount in Haygood's account in the month prior to the fire. When Clayton Farnham, one of Auto-Owners' attorneys, was cross-examining Haygood with Exhibit No. 71 the following exchange occurred.

Q: (By Farnham) I want to go ahead and ask you about your bank balance in September as of the time of the fire. I'll ask you to look--as I recall--excuse me, when I asked you about August, you said you couldn't remember what your bank balances were; right?

A: (By Haygood) No Sir.Q: Well, let's look at that document [Exhibit 71] and see if we can refresh your recollection. Would you look four pages from the bottom on that exhibit, please.

A: Fourth page on the bottom?

Q: Yes, sir.

A: Ending balance?

Q: Right. Does that refresh your recollection as to what your bank balance was? Do you see the ending ledger figure of $1,000?

(At this point the judge interjects excusing the jury)

R6-329-330 (emphasis added).

This was clearly improper questioning, and an attempt to circumvent the rules of the court by saying aloud, under the guise of asking a question, the very fact that Auto-Owners wanted to bring out--the balance in the account. In this manner, not only did the amount Auto-Owners finds so crucial get before the jury, it also managed thereby to give the jurors the erroneous impression (had they failed to disregard it) that Haygood had only a $1,000 balance in this account on the day before the fire, as opposed to the month before. Thus, Auto-Owners, intentionally or not, successfully offered their own version to the jury of what this document "showed," a version which could go unchallenged by reference to the document itself. This is hardly the sort of "substantial" prejudice that would entitle Auto-Owners to a new trial.

The most disturbing aspect of this case is the conduct of the attorneys involved. Neither side's conduct in this case has reflected the sort of candor with the court that is part of the attorney's oath. See Malautea v. Suzuki Motor Co., 987 F.2d 1536, 1546-47 (11th Cir.1993). Specious arguments were made that could hardly have been based on a good faith interpretation of what the evidence showed. See, e.g., supra note 3. And although it appears from the record that the attorneys made a good case for Auto-Owners' side, none of the grounds cited on appeal seem well founded on a good faith interpretation of the facts and/or the law. We are also displeased with the repeated reference to an unpublished opinion,9 both in oral argument and in the brief, in direct violation of our rule regarding unpublished opinions. That rule reads as follows:

Unpublished opinions are not considered binding precedent. They may be cited as persuasive authority, provided that a copy of the unpublished opinion is attached to or incorporated within the brief, petition, motion or response in which such citation is made.

11th CIR.R. 36-2 (emphasis added).

Auto-Owners made no attempt to comply with the rule.

For all of the foregoing reasons, the decision of the district court is AFFIRMED.APPENDIX A

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