Argued and Submitted September 12, 2001 — San Francisco, California.
OPINION
FISHER, Circuit Judge:
In 1996, appellant Patrice Goldman, an attorney, applied for a disability income insurance policy with appellee Standard Insurance Company ("Standard") through a program approved by the State Bar of California and available only to its members. Standard declined to issue Goldman a policy, because she had been diagnosed as having an "Adjustment...
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