Yes, Noth.
I accepted the explanation provided.
The insurance contract terms are clear and unequivocal.
I'm not quite sure how ANY "real life person," however humble their cubicle, would suggest otherwise.
And I see nothing in the least bit aberrant about the logic of such contractual language tendered.
Indeed.
The problem noted lies not in the insurance, but elsewhere.
"Bidness" notwithstanding.