Suppose you own a jewelry store. In exchange for a discount on your burglary insurance premium, you promise the insurer that you will keep a trained guard dog on the premises at ALL times, even when the store is closed. You decide one evening to take the dog home with you (it's his birthday and you want to give him a night off) instead of leaving him in the store. A burglar breaks in and steals everything that night. The insurance company finds out the dog wasn't in the store when the burglary happened and denies your claim. WHY