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A court decision against New Zealand-based Mainzeal Property and Construction Ltd. has created a dilemma for the collapsed firm's directors and insurer about how divide up $23 million New Zealand ($15.6 million) worth of liability insurance, NZ Herald reported. The court ruled that Mainzeal's four directors should pay a total of NZD 36 million to unsecured creditors for reckless trading. Under the ruling, the total liability for Richard Yan, one of the four directors, is for the entire NZD 36 million. Mainzeal purchased directors' and officers' liability insurance from QBE New Zealand.