MEMORANDUM *
After careful consideration of the record, briefs and oral arguments, we affirm the decision of the Bankruptcy Appellate Panel filed November 23,1999, for the reasons given by the Bankruptcy Appellate Panel in its memorandum decision.
AFFIRMED.
This disposition is not appropriate for publication and may not be cited to or by the courts of this circuit except as may be provided by Ninth Circuit Rule 36-3.