eficiary is a party, the courts uniformly reject the argument that all of the original panics to the contract must be joined. Id., Schulman v. J.P. Morgan Investment Management. Inc., 35 F.3d 799, 807 n. 13, (C.A. 3d, 1994), and Gomer v. Philip Morris, Inc. 106 F. Supp, 2d 1262, 1266 (D.C. Ala. 2000). In Sandobal v. Armour & Com