The FC&S editors were divided on this question. The majority of the editors said that the second loss is part of the original loss; but for the original loss, there would be no reason to move the property to protect it from damage, so a separate deductible would not apply. To apply another deductible would be to penalize the insured for protecting the property as is called for in the loss conditions. If a second deductible were to be applied, the insured could just as easily leave the property to be destroyed by the original loss, and face only one deductible. However, the dissenting editors said that the losses were separate—one was the original loss, while the property stored off premises was the victim of a wholly separate loss, thus requiring a separate deductible