OPINION
DAVID A. SCHOLL, Chief Judge.
A. INTRODUCTION
In an appeal of our Order, affirmed by the District Court, denying Prudential Savings Bank ("Prudential") retroactive relief from the automatic stay in Bankr. No. 91-16378DAS, the second Chapter 13 bankruptcy case ("the 2d Case") filed by LEONARD J. SICILIANO ("the Debtor"), the Third Circuit Court of Appeals ("the Court"), in a decision reported as In re Siciliano,
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