000, 00 Cal.Rptr.0d 000. [00]  Calvert Fire Ins. Co. v. Cropper, supra, 000 Cal.App.0d at page 000, 000 Cal.Rptr. 000. [00]  Townsend v. Superior Court (0000) 00 Cal. App.0th 0000, 0000, 00 Cal.Rptr.0d 000