FLETCHER, Circuit Judge:
Emery and Mary Horvatin appeal the district court's finding that the Accidental Death and Dismemberment policy they purchased from Allstate Insurance Company does not cover Emery's injuries. We affirm.
FACTS
The Certificate of Insurance the Horvatins received from Allstate provided benefits for loss of life, hands, feet, or the sight of an eye. The policy defined "loss" thus:
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