ORDER
The memorandum decision filed on August 31, 1994, is redesignated as an authored opinion by Judge Kleinfeld with minor modifications.
OPINION
KLEINFELD, Circuit Judge:
I. OVERVIEW
Microtec bought liability insurance from Nationwide Mutual Insurance and from St. Paul Fire & Marine Insurance Company. These policies covered, among other things, the defense of suits based on advertising or personal injury. Green Hills...
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