“the actual decision was that there were two proximate causes of the student flats being blown up – the dropping of the bomb in 1942, and its explosion in 2021. Neither cause could have destroyed the flats without the other (if the bomb had exploded in 2021 in a museum in Dresden or whatever, it wouldn’t have triggered this insurance policy). And the rule for insurance cases is that when there are two causes, one of which is excluded and one which isn’t, the exclusion prevails”