WOLLMAN, Circuit Judge.
This case is before us on remand from the United States Supreme Court. In Peterson v. Bank of America, N.A., ___ U.S. ___, 135 S.Ct. 1153, 190 L.Ed.2d 909 (2015), the Court granted a writ of certiorari, vacated this court's judgment in Bank of America, N.A. v. Peterson,
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