v. Etto (In re Etta), 210 B.R. 734, 735-36 (Bankr.N.D.Ohio April 9, 1997) (defining a false pretense as an implied misrepresentation or conduct intended to create or foster a false impression; a false representation as an express misrepresentation by a debtor; and actual fraud as a deception intentionally practiced to induce another to part with property or surrender some legal right). 36 . Feld, 203 B.R. at 365. 37 . Id. (citing Field v. Mans, - U.S. -, -, 116 S.Ct. 437, 444, 133 L.Ed.2d 351 (1995)). 38 . In re Alvi, 191 B.R. at 729. 39 . Feld, at 365. 40 . Id. at 366; Chevy Chase Bank v. Briese (In re Briese), 196 B.R. 440, 449 (Bankr.W.D.Wis.1996). 41 . Field v. Mans, - U.S. -, -, 116 S.Ct. 437, 444, 133 L.Ed.2d 351 (1995). 42 . Ho re Burdge), 198 B.R. 773, 778 (9th Cir. BAP 1996) (<HOLDING>); AT&T Universal Card Serv. Corp v. Burns (In
holding where there is no duty to defend there is no duty to indemnify holding that jailers had no independent duty to investigate holding that where possible juror misconduct is brought to the trial judges attention he or she has a duty to investigate and to determine whether there may have been a violation of the sixth amendment holding that the duty to investigate applied to a specific murder suspect holding there is no ongoing duty to investigate before raising the credit limit if the debtor has a good payment history