MEMORANDUM
The judgment of the Bankruptcy Appellate Panel is affirmed for the .reasons set forth in its opinion filed on July 30, 1999, reported at 236 B.R. 727 (9th Cir. BAP1999). 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.