LEWIS, Circuit Judge.
This action is on an accident policy brought by the named beneficiary. It insured Rupert E. McClung, a newspaper publisher of Trinidad, Colorado, against "loss or disability resulting directly, independently and exclusively of all other causes from bodily injuries effected solely through Accidental means." It further provided:
"Special Indemnity. — Sunstroke, freezing, hydrophobia, asphyxiation, or septicæmia resulting from...
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