Abstract: A filter element has a ring of a first filter medium disposed between upper and lower end caps. A center tube extends between the upper and lower end caps radially inwards of the first filter medium. Holes in the center tube, adjacent the upper end cap, allow fluid to pass through the center tube towards a separator tube. The separator tube contains a second filter medium that strips water from the fluid into a fluid reservoir below the lower end cap. A radially offset duct defining a fluid passage extends from below the lower end cap to above the upper end cap.