The following excerpt is from In re Wada, 210 BR 572 (B.A.P. 9th Cir. 1997):
The burden is on the creditor to establish each element of the exception to dischargeability by a preponderance of the evidence. Grogan v. Garner, 498 U.S. 279, 291, 111 S.Ct. 654, 661, 112 L.Ed.2d 755 (1991).
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