"Incapacity" means with respect to any person any of the following:
(a) any inability to give reasoned consideration to financial or business matters, the existence of any such inability being determined by Metis SG by reference to advice given to Metis SG from a physician attending to such person's care at the relevant time;
(b) any inability to communicate freely as a result of kidnapping, forced confinement or any other form of coercion (such inability having been notified to Metis SG); or
(c) if such person cannot be located by Metis SG despite Metis SG reasonable endeavours to locate him for a period of six months,

and "Incapacitated" shall be construed accordingly.