1. For 9 consecutive years with the same insurer, Emily has insured her souvenir shop under the loss sustained version of the ISO Commercial Crime Coverage Form, which included the Employee Theft insuring agreement. During the ninth year of coverage, she learned her staff accountant had been embezzling funds in July (peak season) for each of the last six years. Identify which condition determines whether Emily's crime form covers this loss, and explain which policy covers the loss.