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I think the question relates to English grammar - under 62, injury and damage are available grounds for redress, but the addition of 'or' in the wording in App B of injury and damage or capsize changes the meaning for redress that requires both injury and damage before redress is available.
I am sure the intent was injury and/or damage and/or capsize
I am sure the intent was injury and/or damage and/or capsize
John
THANKS YOU ALL VERY MUCH !!!