JOHNSON, Judge.
On 18 October 1994, this Court issued an opinion reversing summary judgment for the defendant in a declaratory judgment action. Buchanan v. Atlantic Indemnity, 116 N.C. App. 735, 450 S.E.2d 355 (1994)(unpublished). On 9 February 1996, our Supreme Court vacated our opinion and directed that we reconsider it in light of Nationwide Mutual Ins. Co. v. Mabe,
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