| http://www.w3.org/ns/prov#value | - case for the loss caused by the willful act of Heer would be in direct contravention of the foregoing proscription.Because we find that the homeowner's policy issued by Aid effectively excludes willful acts, as in the case at bar, because the natural and probable consequences of such an act are as intentional as is the act itself, and because North Dakota prohibits indemnification for loss caused
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