OPINION
YOUNG, Senior District Judge.
I.
On October 16, 2000, the Court heard testimony in a bench trial on a single factual issue. In a related action, defendants Christiane and Claude Cellier seek damages from defendant Annapolis Bay Charters, Inc. ["ABC"], for a serious accident that Ms. Cellier suffered aboard a boat chartered by the Celliers from ABC. The plaintiff, Hartford Fire Insurance Company ["Hartford"], seeks a declaratory judgment...
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