
    In re Frances PIKUSH, Debtor. James L. KENNEDY, Chapter 7 Trustee, Appellee, v. Frances PIKUSH, Appellant.
    No. 93-56293.
    United States Court of Appeals, Ninth Circuit.
    Submitted  June 8, 1994.
    Decided June 15, 1994.
    Frederick C. Phillips, Phillips, Campbell, Haskett, Noone & Ingwalson, San Diego, CA, for appellant.
    Ross G. Simmons, Ferrette & Slater, San Diego, CA, for appellee.
    Before: FLETCHER, CANBY, and HALL, Circuit Judges.
    
      
       This panel unanimously agrees that this case is appropriate for submission without oral argu-merit. Fed.R.App.P. 34(a); 9th Cir.R. 34-4.
    
   We affirm.the decision of the Bankruptcy Appellate Panel for the reasons stated in its thorough opinion. See Kennedy v. Pikush (In re Pikush), 157 B.R. 155 (9th Cir. BAP 1993).

AFFIRMED.  