OPINION
CAHN, District Judge.
In this non-jury proceeding the plaintiffs seek reformation of two insurance policies and a declaratory judgment establishing the amount of uninsured and underinsured motorist coverage. The non-jury trial was held March 16, 1990. The parties have filed post-argument briefs. I now make the following:
A. FINDINGS OF FACT
1. The plaintiffs are:
(a) Harold E. Byers, a citizen of Lancaster County, Pennsylvania...
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