CUMMINGS, Circuit Judge.
In this diversity action, the Mercantile Trust Company ("Mercantile") of St. Louis, Missouri, has sued to recover $20,000 insurance for the loss of a dwelling house, whose title was held by Mercantile in trust for the benefit of Edward D. Luer. After a bench trial, the District Court held for Mercantile, and the New York Underwriters Insurance Company ("Underwriters") has appealed.
In 1928, Herman F. Luer and his wife established a...
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