N.A. Civ. No. 2002-108 Memorandum Opinion Page 10 fact amounts to the transaction of business within a state or territory." Guardian Ins. Co. v. Bain Hogg Int'l Ltd., Civ. No. 1996-180, 2000 U.S. Dist. LEXIS 17184 at *8 (D.V.I. October 26, 2000) (quoting Godfrey v. International Moving Consultants, Inc., 18 V,I