
    FLORIDA ZIPPO, INC., Appellant, v. The PRUDENTIAL INSURANCE COMPANY OF AMERICA, Appellee.
    No. 90-1594.
    District Court of Appeal of Florida, Third District.
    April 16, 1991.
    Rehearing Denied June 7, 1991.
    Stanley Jay Bartel, Miami, for appellant.
    Squire, Sanders &• Dempsey, and Craig P. Kalil, and Dirk Lorenzen, Miami, for appellee.
    Before BASKIN, COPE and GERSTEN, JJ.
   PER CURIAM.

Appellant, Florida Zippo, Inc., appeals a partial summary judgment of foreclosure. We affirm.

Only a debtor can give a lender the power to accelerate a debt, see, e.g., Morse v. City Federal Savings and Loan Association, 567 F.Supp. 699 (S.D.Fla.1983), and only when the option is exercised in an effective manner does acceleration take place. See, e.g., David v. Sun Federal Savings and Loan Association, 461 So.2d 93 (Fla.1984).

Affirmed.  