Agreeing with Moritz v. Universal City Studios LLC (2020) 54 Cal.App.5th 238, this decision holds that even when a contract’s arbitration clause clearly and expressly delegates arbitrability questions to the arbitrator, the court must decide whether the plaintiff’s claim is made under a different contract that lacks an arbitration clause.  Here, the bank sued to enforce a loan agreement in connection with the borrower’s purchase of an airplane.  Two months after that agreement was signed, the bank entered into an aircraft usage agreement with the borrower.  Only the usage agreement contained an arbitration clause.  The trial court erred in compelling arbitration under these circumstances.