APPELLANT
APPELLEE
PER CURIAM
A jury found appellant guilty of misapplying fiduciary property having an aggregate value greater than $10,000 but less than $100,000. Tex. Penal Code Ann. §§ 32.03 (West 1989) & 32.45 (West 1989 & Supp. 1994). The jury assessed punishment at imprisonment for twenty years and a $10,000 fine.
During 1990 and 1991, appellant sold "substandard" automobile liability insurance at offices located in Dallas County. (1) Neither appellant nor the persons he employed to staff these offices had the license required by law to sell such insurance. The evidence shows that appellant regularly failed to forward customers' applications for insurance and premium payments to the insurance company or assigned-risk pool shown on the applications. As a result, these customers did not receive the insurance coverage for which they had contracted with appellant.
Appellant contends the evidence is not legally sufficient to sustain a finding that he misapplied the premium payments because the State failed to prove that the money he kept exceeded that to which he was entitled as a commission. Appellant relies on the opinion in Johnson v. State, 783 S.W.2d 19 (Tex. App.--Fort Worth 1989, pet. ref'd). In Johnson, the defendant contracted with the complainant to build a house. The State proved that after the house was completed and all payments were made under the contract, mechanics and materialmen's liens totalling approximately $18,000 remained on the house. The complainant testified that he did not know the actual cost of construction or what the defendant had done with the money he had been paid under the contract. The court held that this evidence did not support the defendant's conviction for misapplication of fiduciary property because it did not exclude the reasonable hypothesis that the defendant used all the money paid by the complainant to pay construction expenses as required by the contract, and that the house simply cost more to build than the contract price.
This cause is distinguishable from Johnson. First, the "reasonable alternative hypothesis" construct for testing the legal sufficiency of circumstantial evidence has been abandoned. Geesa v. State, 820 S.W.2d 154 (Tex. Crim. App. 1991). Second, the complainant in Johnson got the house he contracted for and the evidence left a reasonable question whether the unpaid liens were due to legitimate cost overruns rather than a misapplication of funds by the defendant. In this cause, on the other hand, appellant's customers did not get the automobile liability insurance for which they contracted. Appellant's failure to process the insurance applications properly contradicts his suggestion that he lawfully retained the premium payments pursuant to commission agreements.
Appellant was acting in a fiduciary capacity when he accepted money to purchase automobile liability insurance. Talamantez v. State, 790 S.W.2d 33, 36 (Tex. App.--San Antonio 1990, pet. ref'd). The evidence establishes that appellant kept the customers' money and failed to secure the liability insurance for which it had been paid. Having proved that appellant failed to apply the money he received to the purpose for which it was paid, the State was not obligated to prove what appellant actually did with the money. Little v. State, 699 S.W.2d 316, 318 (Tex. App.--San Antonio 1985, no pet.). Point of error three is overruled.
In points of error one and two, appellant contends the prosecutor improperly commented on his failure to testify. The challenged remark was made during argument at the guilt stage of trial:
In the end, Mr. St. John is like a lot of defendants. He's a coward. He's got to hide behind the skirts and blue jeans --
MR. CUNNINGHAM [defense counsel]: I object to that, Judge. He has no right to make that characterization at this point in time.
THE COURT: Ladies and gentlemen, you take the evidence from the witness stand and the law from the Court's charge.
MR. LANE [prosecutor]: I've got every right to make that argumentation because that's exactly the system that Dale St. John put into play. The system allows him to hide behind a bunch of other kids and other people.
The alleged error was not preserved because appellant neither objected on the ground he now advances nor obtained a ruling on the objection he made at trial. Tex. R. App. P. 52(a). Even if the alleged error had been preserved, the context shows that the prosecutor's remark was not a comment on appellant's failure to testify, but a reference both to appellant's business practices and his defensive theory at trial. Appellant hired young people without prior insurance experience to staff his offices. By cross-examination and in jury argument, the defense attempted to blame others for the misapplication of premium payments. The State was entitled to comment on the evidence and respond to the defensive argument. Points of error one and two are overruled.
The judgment of conviction is affirmed.
Before Chief Justice Carroll, Justices Kidd and B. A. Smith
Affirmed
Filed: April 6, 1994
Do Not Publish
1. Although the conduct for which appellant was convicted took place in Dallas County, prosecution in Travis County was proper. Tex. Ins. Code Ann. art. 21.79B (West Supp. 1994).