LETTS, Judge.
Lloyds of London insured a ship which, upon arrival from Greece, was taken to Anchorage Marine on the New River in Fort Lauderdale for extensive refitting, renovation and repair. In order to obtain an insurance premium reduction, the ship requested a "laid-up and out of commission" endorsement to run "from January 1, 1983 to May 1, 1983 at Anchorage Marine,
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