LOCHER, J.
The primary issues presented in this action are (1) whether Haifa Takieddine was a qualified licensed driver at the time of the accident and (2) whether the court of appeals erred in dismissing State Farm's cross-appeal. We hold in the negative on both issues and, accordingly, affirm the decision of the court of appeals.
As observed above, paragraph two of page two of the rental agreement states:
"Under no circumstances shall vehicle be...
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