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Description: Julius Dacles is 63 years old. In 2003 he retired from the Filipino National Police and purchased six hectares of farmland. Julius took out a loan from Taytay Sa Kauswagan Inc. (TSKI) to help him farm a range of crops including corn, sugarcane, rice, bananas and cassava.n nIn 2010 Julius’ wife Renita suddenly became seriously ill and was rushed to the nearest hospital. Tragically she had suffered a heart attack and died shortly afterwards. nnJulius received a life insurance benefit of PHP 50,0