In this month that we celebrate love, the best theme for ourtopic is best expressed by Tina Turner: What's love got to do withit?

I refer to policy language analysis. Last month when we discussed this issue, I warned that hearsayand folklore are too often the basis for interpreting insurancepolicy language.

This month, permit me to add "love" to that list: specifically,the all-too-common practice of falling in love with the way youwish the policy read. Perhaps the Doobie Brothers expressed theinherent dangers the best: "What a fool believes he sees, no wiseman has the power to reason away."

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