OPINION
PER CURIAM:
This appeal comes before us on remand from the Supreme Court. See State Farm Mut. Auto. Ins. Co. v. Willes, ___ U.S. ___, 127 S.Ct. 2933, 168 L.Ed.2d 259 (2007) (citing Safeco Ins. Co. of Am. v. Burr, ___ U.S. ___, 127 S.Ct. 2201, 167 L.Ed.2d 1045 (2007)). In Burr, the Court affirmed our holding in Reynolds v. Hartford Financial Services Group, Inc.,
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