Reversing summary judgment for Farmers Insurance on Michael Cruz’s racial discrimination claim, the 10th U.S. Circuit Court of Appeals explained that the district judge erred in excluding as hearsay an alleged statement by an independent contractor — what the court called “the ‘brown-man comment” — because this was a “party-opponent admission made by an agent within the scope of the agency relationship.” Here is Cruz’s version of the facts:For more than 30 years, Cruz …