1. The defendant made a false representation of a past or present material fact;
2. The fact was material;
3. At the time the representation was made, the defendant:
_(a) knew the representation was false; or,
_(b) was aware that he/she did not know whether the representation was true or false
4. The defendant made the representation w/ the intent that the plaintiff would rely on the representation
5. The plaintiff did rely on the representation;
6. The plaintiff's reliance was justified; and
7. This reliance caused injuries or damages tot he plaintiff.