SETH, Circuit Judge.
Brigham Young University filed suit seeking declaratory relief under a fidelity policy from Lumbermens Mutual Casualty Company (Lumbermens) for losses the University had suffered. These had taken place over ten or twelve years. This included a period of time before the Lumbermens policy became effective. The losses were from the school's art collection and had gone undiscovered for years.
The parties filed cross motions for summary judgment...
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