MEMORANDUM OPINION
DOUGLAS O. TICE, Jr., Bankruptcy Judge.
On December 13, 1991, trial was held in the above-styled adversary proceeding on the plaintiffs' complaint to determine dischargeability of a debt pursuant to 11 U.S.C. § 523(a)(2)(A). Both plaintiffs and defendant appeared in person and were represented by counsel. At that time the court ruled from the bench in favor of the defendant. This memorandum opinion supplements that ruling.
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