PER CURIAM:
I. FACTS
Windward Traders, Ltd. ("Windward") contacted Fred S. James & Company of New York, Inc. ("James") in March 1980 to renew the $200,000 marine insurance coverage on Windward's vessel, the WINDWARD TRADER ("the vessel"). James was an insurance broker that had expertise in marine insurance. James had procured the preceding year's insurance on the vessel for the vessel's previous owner.
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