reads for reversal and now trial; Rapallo, J., concurs on first ground; Andrews, J., concurs in result; Church, Ch. J., Allen and Miller, JJ., agree to affirm without opinion ; Folger, J., concurs on authority of Owen v. F. J. S. Ins. Co. (57 Barb., 518, affirmed in Court of Appeals, but not reported). .

J udgment affirmed.