CLAY, J., delivered the opinion of the court, in which COLE, J., joined. RYAN, J., concurred in the judgment only.
OPINION
CLAY, Circuit Judge.
Appellant, Northland Insurance Company ("Northland") appeals from the district court's orders granting appellee's, Guardsman Products, ("Guardsman") motion for summary judgment and denying Northland's motion for summary judgment. For the reasons set forth below we
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