Larsen-English v. Lumbermens Mutual Casualty [6/14/96] 1996 MTWCC 43 Insurer's reliance on out-of-state cases involving horseplay in denying liability for knee injury was not reasonable where it ignored reasonably clear Montana precedent, the injury was precipitated by a work-related incident not initiated by claimant, and the employer, in any event, tolerated some horseplay.