MEMORANDUM OPINION
DE MENT, District Judge.
This matter is now before the court on Defendant Universal Underwriters Insurance Company's ("Universal") motion for summary judgment and brief in support filed on November 25, 1996. Plaintiff, Auburn Ford Lincoln Mercury, Inc. ("Auburn"), responded in opposition to Universal's motion on December 11, 1996, and Universal filed a reply to this response on December 23, 1996.
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