{¶ 1} Case Nos. 2003-1730 and 2003-2125 are consolidated.
Case No. 2003-1730
{¶ 2} The discretionary appeal is accepted.
{¶ 3} The judgment against St. Paul Fire & Marine Insurance Company is reversed, sua sponte, on the authority of Westfield Ins. Co. v. Galatis,
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