OPINION OF THE COURT
GARTH, Circuit Judge:
Defendant-Appellant Hartford Fire Insurance Company is the surety on a labor and material payment bond purchased by Mele Construction Co., Inc. ("Mele"). Hartford's bond required prospective claimants who were not in a "direct contract" with Mele to give written notice of their claims within 90 days after they ceased work. Plaintiffs-Appellees, tardy claimants on Hartford's bond, are the International Union of Operating...
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