OPINION
CLELAND, District Judge, sitting by designation.
A beneficiary designation must be "signed" to be effective under the Federal Employees Group Life Insurance Act ("FEGLIA"). The only issue in this case is whether former federal employee James Williams, Jr., "signed" a beneficiary designation form in 1996. The district court concluded, as a matter of law, that he did not, and we
I. BACKGROUND
A. Factual Background...
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