KANNE, Circuit Judge.
South Division Credit Union filed an adversary complaint in a chapter 7 bankruptcy proceeding alleging the nondischargeability of the balance on a promissory note executed by the debtor, Dorothy McFarland. The bankruptcy court determined that only a fraction of the total balance was nondischargeable under the relevant statute, and the district court affirmed. South Division Credit Union v. McFarland,
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