BROWN, C. J.
On appeal the following issues are presented:
1. Whether the claim of the department is barred by the exclusion clause of the policy written by Central Standard.
2. Whether Central Standard and North American are jointly liable to the department by virtue of a "reinsurance agreement."
(1) Exclusion clause. Sec. 46.10 (2) and (3), Stats., provides as follows:
"(2) Any outpatient or patient in any charitable or curative...
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