Horace Gray

“ As to smoking, the only question put in the application, and answered in the negative, is whether smoking is 'allowed on the premises,'-which looks only to the rule established upon the subject at the time of the application, and not to the question whether that rule may be kept or broken in the future. ”

“ It is therefore fully satisfied by the statements in the application that there is an incumbrance on the property, and what the amount of mortgage is, and by the expression in the policy making the insurance payable to a mortgagee. ”