In Coca Cola Bottling Co. v. Columbia Casualty Ins. Co. (1992) 11 Cal.App.4th at p. 1182, after the excess policy set its monetary limit at $ 5 million, it stated: "'CSL each occurrence and annual aggregate where applicable excess of primaries.'" (Id. at p. 1183.) The court held: "Because the excess policy does not itself fully define the lower limits of its coverage, reference to the terms of the underlying policy is necessary. " (Id. at p. 1183.) "As a practical matter the excess policy cannot be interpreted without reference to the appropriate section . . . of the underlying policy." (Id. at p. 1184.)