But for the cases of Spradley v. Georgia Home Ins. Co., 112 S.C. 151;98 S.E., 285, and Royal Ins. Co. v. Martin, 192 U.S. 149;24 S.Ct., 247; 48 L.Ed., 385, I would take a different view upon the question of the entirety of the contract. I am constrained by these decisions to concur.