180 P.3d 623 (2008)
CITIBANK (SOUTH DAKOTA), N.A.
Nos. 98534, 98535.
CITIBANK (SOUTH DAKOTA), N.A.
v.
GUMB.
Nos. 98534, 98535.
Court of Appeals of Kansas.
April 11, 2008.Decision Without Published Opinion. Affirmed.
Court of Appeals of Kansas.
April 11, 2008.Decision Without Published Opinion. Affirmed.