MEMORANDUM OPINION AND ORDER DENYING CROSS MOTIONS FOR SUMMARY JUDGMENT
GADOLA, District Judge.
Before the court are cross-motions for summary judgment pursuant to Federal Rule Civil Procedure 56. Plaintiffs, Judith Lee Goldstein ("Judith Goldstein") and Triad Associates, P.C. ("Triad") and defendant Lincoln National Life Insurance Company ("Lincoln National") filed their respective motions on September 30, 1996.
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