MEMORANDUM OPINION AND ORDER
L. EDWARD FRIEND, II, Bankruptcy Judge.
The stipulated facts and issues in this adversary proceeding follow.
FACTS
1. In 1991, West Virginia Hospital Insurance Corporation (hereinafter "WVHIC") provided 1992 Renewal Premium Quotations to Broaddus Hospital Association (hereinafter "BHA").
2. The insurance policy was renewed for the period from 1/1/92 to 1/1/93.
3. BHA and WVHIC's agree...
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