Three disciples of a Buddhist monk who died and left behind several million dollars were too 'uneducated, unsophisticated and simple-minded' to have made up a $3 million claim against his estate, a judge ruled yesterday. But only two of the disciples won their legal action to recover shares held in trust for them by their late master, Mok Kok-kuan. Former weaver Chui Ngan, 86, failed in her claim, even though Madam Justice Susan Kwan accepted she had paid Mok $6,000 in about 1975 to invest for her. The judge found there was insufficient evidence to reveal what had been done with the money - a necessary element for a successful claim. Madam Justice Kwan urged victors Hu Moy, 71, and Lai So, 83, to give Ms Chui 'some money for an investment she had made to provide for her funeral and burial expenses'. One of the monk's brothers and administrator of the estate, Mok Yau-tak, had disputed the women's claim to the shares. The court heard that Mok founded a retreat, Tai Kok Lin Yuen, on Lantau Island in 1969. The women had testified that they were willing to trust their life savings to Mok as they treated him like a father. He was 64 when he died of a heart attack on May 13, 1991, leaving an estate valued in June 1993 at more than $2.8 million. The Court of First Instance heard that inside a Hang Seng Bank safe deposit box were a bundle of HSBC and Great Eagle share certificates, a copy of the retreat's title deeds, three savings passbooks and the title deeds for a flat in Kwun Tong. The judge rejected the suggestion that they had made up the claim, ruling that the HSBC shares belonged to Ms Hu while the Great Eagle shares were the property of Ms Hu and Ms Lai. The shares - valued at $340,596 in June 1993 - were now worth more than $3 million, Madam Justice Kwan noted in her written judgment. Ms Hu and Ms Lai had given Mok $240,000 and $100,000 respectively over the years for him to invest.