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insurance, and notions of enterprise liability' further evince per- ... See generally Henderson, "Crisis" in Accident Loss Reparations Systems: Where ... Clark v. Berry Seed Co., 225 Iowa 262, 271, 280 N.W. 505, 510 (1938), quoted in Harvin, ..... Brewer v. Home-Stake Prod. Co., 200 Kan. 96, 98, 434 P.2d 828, 829 (1967).