The evidence shows that the insured was permanently and totally disabled as defined in the policies. It is, therefore, unnecessary to determine whether the definition formulated by the courts below accurately explained the language of the policies.

The judgments should be affirmed, with one bill of costs.

Crane, Ch. J., Lehman, O’Brien, Hubbs, Loughran, Finch and Rippey, JJ., concur.

Judgments affirmed.