In International Technical Instruments, Inc. v. Engineering Measurements Co., 678 P.2d 558, 561 (Colo. App. 1983), a division of this court recognized that the "meaning and effect of a contract is to be determined from an examination of the entire instrument, not merely from isolated clauses or phrases." Yet, the court, noting that the clause in question appeared under a particular heading and nowhere else in the contract, limited the applicability of the clause to that particular heading.