MEMORANDUM OPINION
SENTER, Chief Judge.
This declaratory judgment action is before the court on the agreement of the parties submitting the cause for final adjudication. The parties have submitted for the court's consideration memorandums of law and the majority of the trial transcript of the Bolivar County Circuit Court criminal case against Jerry Vardaman, Jr., and Joe Wayne Reynolds. The general issue before the court is whether a homeowners' insurance...
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