{ "id": 3010915, "name": "STATE NATIONAL BANK OF EVANSTON, Plaintiff and Counterdefendant-Appellant, v. NORTHWEST DODGE, INC., Defendant and Counterplaintiff-Appellee", "name_abbreviation": "State National Bank v. Northwest Dodge, Inc.", "decision_date": "1982-07-30", "docket_number": "No. 81-0056", "first_page": "376", "last_page": "384", "citations": [ { "type": "official", "cite": "108 Ill. App. 3d 376" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "416 N.E.2d 358", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "92 Ill. App. 3d 928", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 5535332 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/92/0928-01" ] }, { "cite": "349 N.E.2d 573", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1981, "opinion_index": 0 }, { "cite": "39 Ill. App. 3d 147", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 5379540 ], "year": 1981, "opinion_index": 0, "case_paths": [ "/ill-app-3d/39/0147-01" ] }, { "cite": "396 N.E.2d 1301", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1976, "opinion_index": 0 }, { "cite": "78 Ill. App. 3d 580", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 5605996 ], "year": 1976, "opinion_index": 0, "case_paths": [ "/ill-app-3d/78/0580-01" ] }, { "cite": "407 N.E.2d 964", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1979, "opinion_index": 0 }, { "cite": "86 Ill. App. 3d 452", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3183746 ], "year": 1979, "opinion_index": 0, "case_paths": [ "/ill-app-3d/86/0452-01" ] }, { "cite": "291 N.E.2d 180", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "8 Ill. App. 3d 789", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2767898 ], "weight": 2, "pin_cites": [ { "page": "794" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/8/0789-01" ] }, { "cite": "271 N.E.2d 404", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "133 Ill. App. 2d 717", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 2473135 ], "opinion_index": 0, "case_paths": [ "/ill-app-2d/133/0717-01" ] }, { "cite": "196 Neb. 398", "category": "reporters:state", "reporter": "Neb.", "case_ids": [ 2632844 ], "opinion_index": 0, "case_paths": [ "/neb/196/0398-01" ] }, { "cite": "380 N.E.2d 526", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 3, "year": 1976, "pin_cites": [ { "page": "529" } ], "opinion_index": 0 }, { "cite": "63 Ill. App. 3d 639", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3335840 ], "weight": 3, "year": 1976, "pin_cites": [ { "page": "643" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/63/0639-01" ] }, { "cite": "104 Cal. Rptr. 315", "category": "reporters:state", "reporter": "Cal. Rptr.", "year": 1978, "opinion_index": 0 }, { "cite": "27 Cal. App. 3d 999", "category": "reporters:state", "reporter": "Cal. App. 3d", "case_ids": [ 4407105 ], "year": 1978, "opinion_index": 0, "case_paths": [ "/cal-app-3d/27/0999-01" ] }, { "cite": "400 N.E.2d 1057", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "opinion_index": 0 }, { "cite": "81 Ill. App. 3d 199", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3226586 ], "weight": 2, "opinion_index": 0, "case_paths": [ "/ill-app-3d/81/0199-01" ] }, { "cite": "415 A.2d 773", "category": "reporters:state_regional", "reporter": "A.2d", "case_ids": [ 7960375 ], "weight": 2, "pin_cites": [ { "page": "777" }, { "page": "780" } ], "opinion_index": 0, "case_paths": [ "/a2d/415/0773-01" ] }, { "cite": "612 P.2d 1357", "category": "reporters:state_regional", "reporter": "P.2d", "case_ids": [ 10454336 ], "year": 1979, "opinion_index": 0, "case_paths": [ "/p2d/612/1357-01" ] }, { "cite": "370 N.E.2d 918", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1980, "opinion_index": 0 }, { "cite": "223 S.E.2d 848", "category": "reporters:state_regional", "reporter": "S.E.2d", "opinion_index": 0 }, { "cite": "29 N.C. App. 193", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 8554964 ], "opinion_index": 0, "case_paths": [ "/nc-app/29/0193-01" ] }, { "cite": "288 A.2d 872", "category": "reporters:state_regional", "reporter": "A.2d", "year": 1976, "opinion_index": 0 }, { "cite": "118 N.J. Super. 521", "category": "reporters:state", "reporter": "N.J. Super.", "case_ids": [ 337393 ], "year": 1976, "opinion_index": 0, "case_paths": [ "/nj-super/118/0521-01" ] }, { "cite": "276 A.2d 402", "category": "reporters:state_regional", "reporter": "A.2d", "year": 1972, "opinion_index": 0 }, { "cite": "114 N.J. Super. 382", "category": "reporters:state", "reporter": "N.J. Super.", "case_ids": [ 333658 ], "year": 1972, "opinion_index": 0, "case_paths": [ "/nj-super/114/0382-01" ] }, { "cite": "408 N.E.2d 1", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "86 Ill. App. 3d 90", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3186572 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/86/0090-01" ] } ], "analysis": { "cardinality": 865, "char_count": 18679, "ocr_confidence": 0.758, "pagerank": { "raw": 1.604288774024087e-07, "percentile": 0.684388163170903 }, "sha256": "8c09dbdf99ef15332970f30721fc37abca1182a5d481be53e8e0a8d2ca0ec215", "simhash": "1:83ed24a67466245e", "word_count": 3078 }, "last_updated": "2023-07-14T19:46:18.761710+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "STATE NATIONAL BANK OF EVANSTON, Plaintiff and Counterdefendant-Appellant, v. NORTHWEST DODGE, INC., Defendant and Counterplaintiff-Appellee." ], "opinions": [ { "text": "JUSTICE WILSON\ndelivered the opinion of the court:\nThis is the second appeal arising out of a contract dispute between State National Bank of Evanston (Bank), and Northwest Dodge, Inc. (Dodge). In the previous appeal we reversed a judgment in favor of the Bank, holding that Dodge was a debtor under section 9 \u2014 101 of the Uniform Commercial Code (UCC) (as . adopted in Ill. Rev. Stat. 1975, ch. 26, par. 9 \u2014 101 et seq.). As such, Dodge was entitled to notice before the Bank sold repossessed motor vehicles that were the subject of retail sales conracts which Dodge had sold to the Bank. (State National Bank v. Northwest Dodge, Inc. (1980), 86 Ill. App. 3d 90, 408 N.E.2d 1.) On remand the trial court held that the Bank\u2019s failure to notify Dodge before it sold the vehicles barred it from recovering, as a \u201cdeficiency,\u201d the amounts that it had debited to the dealer\u2019s reserve account following the sale of the vehicles. Therefore, the court entered summary judgment in favor of Dodge on its counterclaim for damages, the measure of which was determined to be the total amount that the Bank had debited to the reserve account. For the reasons that follow, we affirm the trial court\u2019s judgment.\nDodge, an automobile dealer, sells vehicles to the general public. In 1973 it entered into a \u201cGeneral Dealer Agreement\u201d with the Bank, pursuant to which it sold the Bank retail installment contracts covering its customers\u2019 purchase of recreational vehicles. Pursuant to its agreement with Dodge, the Bank purchased the contracts at a discount from their face amounts. Dodge made several warranties pertaining to the contracts and agree that \u201cif any warranty *** is breached or if the Buyer [of the vehicle] successfully asserts against [the Bank] a claim or defense arising out of any of said contracts, or cancels any of said contracts pursuant to law, [Dodge would] repurchase such contracts, on demand, for the unpaid balance due thereon.\u201d In Addendum C to the parties\u2019 agreement, Dodge was given a 3% participation in the finance income from the installment contracts, 1% of which was to be credited to a dealer\u2019s reserve account. Addendum C further provided that the Bank would disburse sums from this fund periodically. Finally, Dodge agreed that the Bank could \u201ccharge to the reserve fund, or [Dodge] would pay [Bank] on demand (i) [Dodge\u2019s] proportionate share of all refunds allowed on prepayment of accounts, (ii) the balance owing on accounts on which 2 or more installments [were] delinquent, and (iii) the balance owing on accounts which any warranty [was] breached or which [became] uncol-lectible for any reason.\u201d\nIn February of 1976 the Bank filed a complaint, alleging that Dodge had failed to pay its proportionate share of refunds on prepaid accounts. Dodge counterclaimed, alleging that the Bank \u201cfailed to pay Northwest from the Dealer Reserve Account as required by the Agreement\u201d and also claimed that \u201cthe Bank charged to the reserve fund of Northwest the balance owing on accounts without a showing that a warranty had been breached or that the accounts had become uncollectible.\u201d\nThe parties stipulated that eight of the recreational vehicles purchased from Dodge had been repossessed by the Bank and then sold by the Bank without prior notice to Dodge. After the sale, the Bank debited the Dealer Reserve Account for amounts representing deficiencies from the sale of the repossessed vehicles and then notified Dodge.\nThe trial court held that the general dealer agreement between the parties did not create a debtor-creditor relationship as contemplated by section 9 \u2014 105(1)(d) of the UCC and that consequently Dodge was not entitled to prior notice of the Bank\u2019s sale of the repossessed vehicles. The court entered judgment for the Bank on its complaint and also entered judgment against Dodge on its counterclaim. Dodge appealed from that judgment. We reversed, holding that Dodge was a debtor, entitled to notice under Article 9. We remanded the cause with instructions for the trial court to determine what losses Dodge should recover on its counterclaim. The trial court awarded Dodge a total of $20,825.45 and subsequently denied the Bank\u2019s petition for a rehearing. Thereafter, the Bank brought this appeal.\nOpinion\nIn the abstract, the issue presented is whether a secured party\u2019s failure to give the debtor notice under section 9 \u2014 504(3) before selling the repossessed collateral bars the secured party from recovering any deficiency as a matter of law (absolute bar theory). The Bank urges us to adopt the countervailing view that failure to give such presale notice simply creates a rebuttable presumption in favor of the debtor that the value of the collateral is equal to the amount of debt outstanding. Under this theory, to recover a deficiency, the secured party must, in addition to overcoming this presumption, prove that the sale of the collateral was commercially reasonable.\nInitially we emphasize that the parties\u2019 rights and obligations in this case were governed by the terms of their agreement as well as the pertinent provisions of the UCC. The Bank had the contractual right to debit the reserve account or to demand payment from Dodge for the full amount of any balance due on accounts as to which two or more installments were past due or which were uncollectible for any reason. Had it pursued this contractual right of recourse the question of its right to a deficiency after selling the vehicles would not have arisen. By exercising its right to dispose of collateral under section 9 \u2014 504, however, the Bank was obligated to comply with the notice provision of section 9 \u2014 504(3) which provides in relevant part:\n\u201c [Reasonable notification of the time and place of any public sale or reasonable notification of the time after which any private sale or other intended disposition is to be made shall be sent by the secured party to the debtor ***.\u201d (Emphasis added.) Ill. Rev. Stat. 1975, ch. 26, par. 9 \u2014 504(3).\nThe Bank concedes that the provision is mandatory in nature but nevertheless challenges the conclusion that compliance with the notice requirement is a condition precedent to recovery of a deficiency. The Bank bases its argument on the theory that since the policy of the UCC is \u201ccommercial reasonableness,\u201d the secured party should not be deprived of his right to a deficiency without a determination as to whether his failure to comply with the notice provision has damaged the debtor in any way.Citing section 9 \u2014 504(2) the Bank contends that secured parties have an absolute right to a deficiency because of the language that \u201cunless otherwise agreed, the debtor is liable for a deficiency.\u201d (Ill. Rev.Stat. 1975, ch. 26, par. 9 \u2014 504(2).) Furthermore, the Bank maintains that section 9 \u2014 507(1) provides Dodge \"with an adequate remedy because it allows recovery \u201cfrom the secured party any loss caused by a failure to comply with the provisions of this Part.\u201d (Ill. Rev.Stat. 1975, ch. 26, par. 9 \u2014 507(1); see Conti Causeway Ford v. Jarossy (1971), 114 N.J. Super. 382, 276 A.2d 402, aff\u2019d (1972), 118 N.J. Super. 521, 288 A.2d 872; Hodges v. Norton (1976), 29 N.C. App. 193, 223 S.E.2d 848.) Finally, the Bank argues that the absolute bar approach is punitive and thus runs afoul of section 1 \u2014 106(1) of the Code, which encourages a liberal construction of remedies to put an aggrieved party in \u201cas good a position as if the other party had fully performed\u201d but to avoid \u201cspecial\u201d or \u201cpenal\u201d damages. For those reasons the Bank requests us to adopt the rebuttable presumption approach, reverse the judgment entered on Dodge\u2019s counterclaim, and to remand this case again so that the Bank can produce evidence as to the commercial reasonableness of its sale of the repossessed vehicles. Presumably, if the Bank sustained its burden and overcame the presumption that the value received for the vehicles was equivalent to the amount of debt, it would defeat Dodge\u2019s claim for damages, in all or in part. We reject the Bank\u2019s arguments.\nThe decisions from various jurisdictions have shown a distinct lack of uniformity in determining the consequences of a secured party\u2019s failure to adequately notify its debtor before selling repossessed collateral. Courts that adhere to the rebuttable presumption rule emphasize the. \u201cpunitive\u201d nature of the absolute bar approach and apparently believe that allowing a debtor to avoid paying a deficiency if he did not receive notice is a rigid technicality. (See generally Hall v. Owen County State Bank (Ind. App. 1977), 370 N.E.2d 918; Beneficial Finance Co. v. Young (Okla. 1980), 612 P.2d 1357; Fedders Corp. v. Taylor (D. Minn. 1979), 473 E Supp. 961.) On the other hand, courts which view proper notice as a condition precedent to the secured party\u2019s cause of action for a deficiency reason that the debtor\u2019s interests cannot be adequately protected if he is denied the opportunity to be present at the sale or to redeem the collateral himself, pursuant to section 9 \u2014 506. The effect of the rebuttal presumption approach, consequently, is to put the debtor in the difficult position of refuting the secured party\u2019s evidence that the sale he did not even attend was commercially reasonable.\nThe Delaware Supreme Court in a recent opinion analyzed the notice issue in detail and rejected arguments similar to the ones that the Bank sets forth in this case. In Wilmington Trust Co. v. Conner (Del. 1980), 415 A.2d 773, 777, the court reviewed the different theories regarding the consequences of a secured party\u2019s failure to give proper notice under section 9 \u2014 504(3) and concluded that the \u201capparent majority rule under the Code [is] the \u2018absolute bar\u2019 theory.\u201d The court reasoned that this approach promotes commercial certainty and cannot be considered punitive because notice is the statutory condition precedent to the attainment of a deficiency judgment. Noncompliance with the statute means that the right to a' deficiency does not come into existence; this is not properly viewed as \u201cpunishment.\u201d The Wilmington court further rejected the argument that the debtor\u2019s remedy under section 9 \u2014 507(1) is adequate and should be construed as his exclusive mode of relief from the secured party\u2019s noncompliance with the Code, stating:\n\u201cThe burdens placed on the creditor under the Code are minimal, while the results of his noncompliance may be very onerous to the debtor. *** We are unable to see any unfairness in protecting the debtor\u2019s rights to the exclusion of those of the creditor when the creditor has been placed in such a high degree of control over the relationship and carries such a small burden inorder to gain the advantages of the Statute.\u201d (415 A.2d 773, 780.)\nSee also Spillers v. First National Bank (1980), 81 Ill. App. 3d 199, 400 N.E.2d 1057 (debtor\u2019s right to damages is cumulative to the barring of a deficiency).\nOther courts which have approved the absolute bar approach include Atlas Thrift Co. v. Horan (1972), 27 Cal. App. 3d 999, 104 Cal. Rptr. 315; Stensel v. Stensel (1978), 63 Ill. App. 3d 639, 380 N.E.2d 526; DeLay First National Bank v. Jacobson Appliance Co. (1976), 196 Neb. 398, 243 M.W.2d 745.\nIn Illinois, the decisions have apparently recognized both the absolute bar and rebuttable presumption approaches. In Stensel v. Stensel (1978), 63 Ill. App. 3d 639, 380 N.E.2d 526, the Fourth District Appelate Court held that notice under 9 \u2014 505(2) is a condition precedent to a secured party\u2019s right to a deficiency, emphasizing that the debtor\u2019s right to be present at the sale of repossessed collateral is vital to the protection of Ms interests and that without compliance with the notice provision the secured party would have too free a hand in disposing of the collateral. Accord Spillers v. First National Bank (1980), 81 Ill. App. 3d 199, 400 N.E.2d 1057; see also Morris Plan Co. v. Johnson (1971), 133 Ill. App. 2d 717, 271 N.E.2d 404.\nOther Illinois decisions, however, have implied that the rebuttable presumption approach is the appropriate view. The first case to mention this approach was Tauber v. Johnson (1972), 8 Ill. App. 3d 789, 291 N.E.2d 180. In that case a secured party who sold automobiles successfully sued the debtor/buyers for deficiency judgments after reselling the repossessed automobiles. The appellate court reversed the judgment, noting that the secured party had failed to give the debtors adequate notice of the sale. In addition, the plaintiff had induced the debtors to return the automobiles for repairs and then sold them instead. Plaintiff also charged an illegal rate of interest. Fmally, the court noted, the plaintiff failed to prove that the sale of the vehicles was commercially reasonable. In light of those facts, the court reversed the plaintiff\u2019s deficiency judgment and ordered that judgment be entered for defendants.\nThe Tauber court\u2019s reversal of the judgment for plaintiff did not consider or depend on wMch approach, absolute bar or rebuttable presumption, would be used. Therefore, its comments as to the latter approach are not controlling authority. In discussing the debtor\u2019s remedy for a creditor\u2019s failure to give notice the court observed that one measure of damages could be the difference between what the repossessed car was actually sold for and the price it would have brought had defendant been notified of the sale. The court went on to note that \u201c[h]ad defendants received notice, they could have purchased the car for the amount still due on the contract and eliminated the deficiency altogether, as there is a presumption that the secured collateral is worth at least the amount of the debt and the secured party has the burden of proving the amount actually collected was commercially reasonable. [Citations from other jurisdictions.] If the secured party cannot sustain his burden of proving a commercially reasonable resale he may be denied the amount of the deficiency. [Citations from other jurisdictions.]\u201d (Emphasis added.) 8 Ill. App. 3d 789, 794.\nFrom the above-quoted passage, other Illinois courts have apparently inferred that Illinois follows the rebuttable presumption approach. (See Chicago City Bank & Trust Co. v. Wilson (1980), 86 Ill. App. 3d 452, 407 N.E.2d 964; Lake Shore National Bank v. McCann (1979), 78 Ill. App. 3d 580, 396 N.E.2d 1301; General Foods Corp. v. Hall (1976), 39 Ill. App. 3d 147, 349 N.E.2d 573; National Boulevard Bank v. Jackson (1981), 92 Ill. App. 3d 928, 416 N.E.2d 358.) None of these cases, however, contain a comparative analysis of the two approaches. Moreover, in McCann and Chicago City Bank, the courts found that adequate notice had been given; therefore, the question of the legal consequences of a secured party\u2019s failure to give presale notice was obviated. In General Foods Corp. the court framed the issues as (1) which party had the burden of proving that the notice provision had been satisfied and (2) whether the court abused its discretion in granting a judgment in favor of the secured party. The court reversed the judgment and remanded for further proceedings, holding that the secured party had the proof of establishing that proper notice was given and that the record was insufficient to sustain the judgment. Only in National Bank v. Jackson did a reviewing court hold that a debtor did not receive proper notice and yet still affirm a judgment for the secured party on the basis of evidence indicating that the sale was commercially reasonable.The Jackson opinion does not, however, discuss the absolute bar rule or any of the cases which follow it.\nAfter studying the relevant cases and Code provisions we agree with the Stensel court that the line of cases which follows the absolute bar theory is the better reasoned and that lack of proper notice \u201ctaints\u201d the entire sale. (Stensel v. Stensel (1978), 63 Ill. App. 3d 639, 643, 380 N.E.2d 526, 529.) The debtor\u2019s right to redeem the collateral or to be present at its disposition is too important to be neutralized by construing the notice requirement as anything less than a condition precedent to the secured party\u2019s right to recover a deficiency judgment. The rebuttable presumption approach, in effect, erases the mandatory language of section 9 \u2014 504(3) and gives the secured party freedom to disregard the notice provision altogether, with relatively little impediment to recovering a deficiency. We conclude, therefore, that when a secured party fails to give reasonable notice before disposing of repossessed collateral, he is barred from recovering any deficiency.\nThe aggrieved debtor can raise lack of notice as a defense to a deficiency suit or in a section 9 \u2014 507(a) suit against the secured party for damages, which is the situation in the pending case. We find no error in the trial court\u2019s finding that Dodge\u2019s losses from the Bank\u2019s violation of section 9 \u2014 504 were equal to the amount that the Bank unilaterally assessed against the reserve fund as its \u201cdeficiency\u201d remaining after it sold the repossessed collateral. Accordingly, we affinn the trial court\u2019s judgment of $20,825.45 for Dodge.\nAffirmed.\nLORENZ and ME JDA, JJ., concur.\nDodge was awarded $24,148.09 plus interest and costs for a total of $27,983.24, less a set-off amount of $7,157.79 for a final award of $20,825.45. The set-off was for money that the Bank claimed Dodge owed it under a provision of the agreement involving prepayment account refunds.\nThis presumption has the effect of extinguishing the debt.\nMoreover, by the Bank\u2019s actions Dodge was denied its right to pay off the Bank on accounts in default and to repossess the automobiles itself. It is quite possible that Dodge, as an automobile dealer, could have obtained a higher price for the vehicles than did theBank.\nIn the previous appeal the Bank argued that it did not send notice to Dodge because it did not realize Dodge was an Article 9 debtor. While this does not excuse the Bank\u2019s obligation, it does point up one of the potential problems that may arise when a business contract is not fully analyzed as a secured transaction. For a useful guide to identification and analysis of Article 9 issues see Swygert, Secured Transactions under Revised Article Nine: Recognition of Legal Issues Through Identification and Phase Analysis, 22 De Paul L. Rev. 317 (1972).", "type": "majority", "author": "JUSTICE WILSON" } ], "attorneys": [ "Lawrence Friedman, of Chicago (Linda H. Ktsanes, of counsel), for appellant.", "Mitchell, Russell and Kelly, of Chicago (Thomas J. Russell and Cyril J. Watson, of counsel), for appellee." ], "corrections": "", "head_matter": "STATE NATIONAL BANK OF EVANSTON, Plaintiff and Counterdefendant-Appellant, v. NORTHWEST DODGE, INC., Defendant and Counterplaintiff-Appellee.\nFirst District (5th Division)\nNo. 81 \u2014 0056\nOpinion filed July 30, 1982.\nLawrence Friedman, of Chicago (Linda H. Ktsanes, of counsel), for appellant.\nMitchell, Russell and Kelly, of Chicago (Thomas J. Russell and Cyril J. Watson, of counsel), for appellee." }, "file_name": "0376-01", "first_page_order": 398, "last_page_order": 406 }