With no explanation, chose the best option from "A", "B", "C" or "D". American argues that Three Palms Pointe, Inc., prevents Liberty American from challenging, after entry of a final judgment, an appraisal award as not being covered under the policy. In Three Palms Pointe, Inc., the Eleventh Circuit interpreted the Florida Supreme Court’s opinion in State Farm Fire & Casualty v. Licea, 685 So.2d 1285 (Fla.1996), to hold that once the matter has been Submitted to appraisal, the insurer can only dispute coverage for the claim as a whole and not anything less. We conclude, however, that the court in Three Palms Pointe, Inc. misinterpreted the holding of Licea. And, we are, of course, not bound by the Eleventh Circuit’s decisions on questions of Florida law. See Int’l Assoc. of Bridgeworkers v. Blount Int’l, Ltd., 519 So.2d 1009, 1012 (Fla. 2d DCA 1987) (<HOLDING>). The dispositive issue in Licea was whether an

A: recognizing that federal courts are bound by pronouncements of the california supreme court on applicable state law
B: recognizing that decisions of lower federal courts interpreting federal law are not binding on state courts
C: holding that state courts in construing and interpreting state law are not bound by the decisions of federal courts
D: holding that federal courts are bound by state interpretations of state law
C.