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      <DIV class=3DSection1>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><A =
name=3Da3><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">Affirmed</SPAN></B></A><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"> and Memorandum Opinion filed March 27,=20
      2007.</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: 13pt">In =
The</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: =
13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 18pt; FONT-FAMILY: 'Estrangelo =
Edessa'">Fourteenth Court=20
      of Appeals</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">____________</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">NO. <A=20
      name=3Da4>14-02-00053-CV</A></SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">____________</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><A name=3Da5><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti">CHARLIE LEWIS AND =
RUTH=20
      CROWDER</SPAN></B></A><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti">, =
Appellants</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti">V.</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><A name=3Da6><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti">MARINA BAY TRUCKS, =
INC. AND=20
      STERLING FINANCIAL GROUP, L.L.C.,</SPAN></B></A><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti"> =
Appellees</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 0pt; LINE-HEIGHT: 2.85pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><SPAN=20
      style=3D"MARGIN-TOP: 0px; Z-INDEX: -2; LEFT: 0px; MARGIN-LEFT: =
96px; WIDTH: 624px; POSITION: absolute; HEIGHT: 4px"><IMG=20
      height=3D4 src=3D"" width=3D624></SPAN></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">On=20
      Appeal from the <A name=3Da7>113th District =
Court</A></SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><A name=3Da8><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">Harris</SPAN></B></A><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti"> County, =
Texas</SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">Trial=20
      Court Cause No. <A name=3Da9>00-54495</A></SPAN></B></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 0pt; LINE-HEIGHT: 2.85pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><SPAN=20
      style=3D"MARGIN-TOP: 0px; Z-INDEX: -1; LEFT: 0px; MARGIN-LEFT: =
96px; WIDTH: 624px; POSITION: absolute; HEIGHT: 4px"><IMG=20
      height=3D4 src=3D"" width=3D624></SPAN></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt; TEXT-ALIGN: =
center"=20
      align=3Dcenter><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 7.35pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 14pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">M E M O R=20
      A N D U M&nbsp; O P I N I O N</SPAN></B></P></DIV><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN></B>
      <DIV class=3DSection2>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Appellants,=20
      Charlie Lewis (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Lewis</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">) and Ruth=20
      Crowder (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Crowder</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">), appeal=20
      from take-nothing summary judgments in favor of appellees Marina =
Bay=20
      Trucks, Inc. (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Marina=20
      Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">) and=20
      Sterling Financial Group, L.L.C. (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">).&nbsp;=20
      In their first issue, appellants contend the trial court =
erroneously=20
      granted appellees</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =

      no-evidence motions for summary judgment, despite the existence of =

      competent summary judgment evidence raising issues of material =
fact.&nbsp;=20
      In their second issue, appellants claim the trial court erred in =
denying=20
      their motions for continuance of the September 5, 2001 summary =
judgment=20
      hearing and denying their motions for leave to file an untimely =
response=20
      to Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment.&nbsp; We affirm.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; TEXT-TRANSFORM: uppercase; LINE-HEIGHT: =
150%; FONT-FAMILY: Shruti">Factual=20
      and Procedural Background</SPAN></B></P></DIV><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; TEXT-TRANSFORM: uppercase; LINE-HEIGHT: =
150%; FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN></B>
      <DIV class=3DSection3>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Appellants=20
      Lewis and Crowder, plaintiffs below, originally filed suit against =
Marina=20
      Bay, Sterling, and six other defendants on October 25, 2000.<A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn1"=20
      name=3D_ftnref1><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">[1]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>&nbsp;=20
      Appellants asserted numerous causes of action against each =
defendant,=20
      allegedly arising from the sale, financing, and warranty of two =
used=20
      automobiles; specifically, a Chevrolet Corvette and a Mitsubishi =
3000=20
      GT.&nbsp; Appellants filed their first amended petition on March =
15, 2001=20
      and subsequently did little, if anything, to prosecute their =
claims.&nbsp;=20
      One defendant, identified in appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
pleadings=20
      as </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">The=20
      Answer,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
was never=20
      served.&nbsp; The trial court signed five separate orders granting =

      take-nothing summary judgments in favor of six defendants, =
including=20
      appellees Marina Bay and Sterling. &nbsp;The trial court signed an =
order=20
      dismissing all claims against the last remaining defendant, Bank =
One=20
      Louisiana, N.A., on November 29, 2001.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn2"=20
      name=3D_ftnref2><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">[2]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>&nbsp;=20
      Appellants timely filed notice of appeal on December 14, 2001.=20
      &nbsp;Appellees Marina Bay and Sterling are the only defendants =
who are=20
      parties to this appeal.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn3"=20
      name=3D_ftnref3><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">[3]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>&nbsp;&nbsp;=20
      Neither Marina Bay nor Sterling filed an appellate =
brief.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; TEXT-TRANSFORM: uppercase; LINE-HEIGHT: =
150%; FONT-FAMILY: Shruti">Discussion</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 0.5in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">I.=20
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Appellants</SPAN></B><B><SPAN =

      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
Motions=20
      for Continuance of the September 5 Hearing and Motions for Leave =
to File=20
      an Untimely Response to Marina Bay</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s Motion=20
      for Summary Judgment</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">We address=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
second=20
      issue first because it affects our determination of whether the =
trial=20
      court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s grant of=20
      summary judgment in favor of Marina Bay was proper. Marina =
Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment was set for hearing on September 5, 2001.=20
      Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
second=20
      issue contains two arguments related to the September 5 =
hearing.&nbsp;=20
      First, appellants contend the trial court erred in denying their =
motions=20
      to continue the September 5 hearing.&nbsp; Second, appellants =
contend the=20
      trial court erred in denying their motions for leave to file an =
untimely=20
      summary judgment response. </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection4>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 1in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">A.=20
      &nbsp;&nbsp;&nbsp;&nbsp; Did the Trial Court Abuse its Discretion =
by=20
      Denying Appellants</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
Motions=20
      to Continue the Summary Judgment Hearing Set for September=20
      5?</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Appellants=20
      first contend the trial court abused its discretion by denying =
their=20
      motions to continue the summary judgment hearing set for September =
5,=20
      2001.&nbsp; Appellants filed a holographic motion on September 4, =
2001=20
      requesting a continuance of the September 5 hearing.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn4"=20
      name=3D_ftnref4><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">[4]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>&nbsp;=20
      On September 5, in a single document, appellants filed =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">(1) a motion for =
continuance of=20
      the September 5 hearing, (2) a motion for leave to file untimely =
summary=20
      judgment responses, and (3) responses to summary judgment motions =
set for=20
      hearing on September 5.</SPAN><A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn5"=20
      name=3D_ftnref5><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">[5]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">&nbsp; The=20
      trial court conducted an oral hearing on September 5 and signed an =
order=20
      granting Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment on September 7, 2001.&nbsp; The record =
contains no=20
      order granting or denying appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for continuance.&nbsp; Nothing in the record indicates=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      were brought to the trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s=20
      attention during the September 5 hearing.&nbsp; In their brief, =
appellants=20
      concede that the trial court did not expressly rule on their =
motions for=20
      continuance.&nbsp; Appellants contend, however, that the trial =
court=20
      implicitly ruled on their motions by conducting an oral hearing on =

      September 5 and granting Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment on September 7. </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection5>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">A party=20
      opposing a summary judgment may file a motion to continue the =
summary=20
      judgment hearing in order to conduct additional discovery.&nbsp; =
<SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. =
</SPAN>166a(g).&nbsp;=20
      Although appellants filed two motions for continuance, they =
neither=20
      requested a hearing on the matter nor obtained a written ruling =
from the=20
      trial court.&nbsp; A party moving for continuance of a summary =
judgment=20
      hearing must obtain a written ruling on its motion in order to =
preserve=20
      the complaint for appellate review.<I>&nbsp;&nbsp; See </I><SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. App. P. =
</SPAN>33.1(a);=20
      <I>Kadhum v. Homecomings Fin. Network, Inc</I>., ---S.W.3d---, =
2006 WL=20
      1125240, at *2 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Houston=20
      [1st Dist.] 2006, pet. denied); <I>Washington v. Tyler Indep. Sch. =

      Dist.</I>, 932 S.W.2d 686, 690 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Tyler=20
      1996, no writ).&nbsp; Because appellants did not obtain a written =
ruling=20
      on their motions for continuance, they have failed to preserve =
this=20
      complaint for appellate review.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Even if=20
      the trial court can be deemed to have implicitly overruled=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for continuance, the decision to grant or deny a motion for =
continuance is=20
      within the trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s=20
      discretion, and such determination will be reversed only upon a =
showing of=20
      a clear abuse of discretion. <I>BMC Software Belg. v. =
Marchand</I>, 83=20
      S.W.3d 789, 800 (Tex. 2002).&nbsp; A&nbsp; trial court abuses its=20
      discretion when it reaches a decision so arbitrary and =
unreasonable as to=20
      amount to a clear and prejudicial error of law.&nbsp; <I>Id.&nbsp; =
</I>On=20
      their face, neither of appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      satisfy the requirements of Rule 252 of the Texas Rules of Civil=20
      Procedure.&nbsp; <I>See </I><SPAN style=3D"TEXT-TRANSFORM: =
uppercase">Tex.=20
      R. Civ. P. </SPAN>252. (application for continuance must =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">state that=20
      the continuance is not sought for delay only, but that justice may =
be=20
      done</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">).&nbsp;=20
      </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">In the=20
      September 4 motion, appellants present the following argument as =
their=20
      basis for requesting a continuance: </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Pltfs=20
      [sic] do not know yet if they got these motions and miscalendared, =
or=20
      what.&nbsp; Pltfs [sic] move to reset the 9-5 hearing to a later=20
      date.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
The=20
      September 4 motion is neither verified nor accompanied by a =
supporting=20
      affidavit.&nbsp; <I>See Rogers v. Continental Airlines, Inc.,</I> =
41=20
      S.W.3d 196, 200 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Houston=20
      [14th Dist.] 2001, no pet.) (requiring motion for continuance of =
summary=20
      judgment hearing to be verified or accompanied by affidavit =
explaining=20
      need for further discovery).&nbsp; </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection6>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">In their=20
      September 5 motion, appellants request a continuance </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">because=20
      their lawyer</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s office=20
      did not have the motions calendared and was blissfully unaware of =
them=20
      until the phone rang on the morning of September 4 and it was the =
clerk=20
      asking if she should be receiving them in the mail.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">&nbsp;&nbsp;=20
      The September 5 motion provides that appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
trial=20
      counsel was unable to locate in his files two of the three summary =

      judgment motions set for hearing, including the motion filed by =
Marina=20
      Bay.&nbsp; Appellant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s trial=20
      counsel acknowledges that the summary judgment motion filed by =
defendants=20
      Dimension and Westchester was present in his files.&nbsp; That =
motion=20
      contains a notice of hearing regarding the September 5 hearing, =
and a=20
      certificate of service dated August 10, 2001</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">twenty-six=20
      days prior to the date of the hearing. </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">&nbsp;When a party =
receives=20
      notice of a summary judgment hearing and the notice gives more =
than the=20
      twenty-one days required by the rules of civil procedure, denial =
of a=20
      motion for continuance based on a lack of time to prepare =
generally is not=20
      an abuse of discretion.&nbsp; <I>Karen Corp. v. Burlington N. =
&amp; Santa=20
      Fe Ry. Co.</I>, 107 S.W.3d 118, 124 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Fort Worth 2003, pet. =

      denied).</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">The=20
      affidavits of&nbsp; Lewis and appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
trial=20
      counsel, Matt Muller, are attached to the September 5 =
motion.&nbsp;=20
      Neither of the affiants testified that additional discovery was=20
      needed.&nbsp; Both affiants testified that Crowder was ill and =
additional=20
      time was needed to obtain her affidavit. However, neither the =
motion nor=20
      the attached affidavits described the anticipated testimony of =
Crowder or=20
      how it was essential to their opposition to the summary judgment=20
      motions.&nbsp; <I>See </I><SPAN style=3D"TEXT-TRANSFORM: =
uppercase">Tex. R.=20
      Civ. P. </SPAN>166a(g). Given the multiple deficiencies in=20
      appellant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motions=20
      for continuance of the September 5 summary judgment hearing, we =
cannot say=20
      that the trial court abused its discretion in refusing to grant=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for continuance.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 1in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">B.=20
      &nbsp;&nbsp;&nbsp;&nbsp; Did the Trial Court Err in Denying=20
      Appellants</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
Motions=20
      for Leave to File an Untimely Response to Marina =
Bay</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s Motion=20
      for Summary Judgment?</SPAN></B></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection7>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Appellants=20
      next contend the trial court erred in denying their motions for =
leave to=20
      file an untimely response to Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn6"=20
      name=3D_ftnref6><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: =
Shruti">[6]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>&nbsp;=20
      Appellants filed a&nbsp; handwritten motion for leave on September =
4,=20
      2001. On September 5, appellants filed a typewritten motion for =
leave and=20
      a response to Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment.&nbsp; Also on September 5, Marina Bay filed =
an=20
      objection to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
untimely=20
      response.&nbsp; As stated above, an oral hearing was conducted on=20
      September 5, and the trial court signed an order granting Marina=20
      Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment on September 7, 2001.&nbsp; </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">The record=20
      contains no order granting or denying appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for leave.&nbsp; Nothing in the record indicates =
appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for leave were set for hearing or ruled upon by the trial =
court.&nbsp; The=20
      order granting Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment provides that </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">the Court=20
      having considered the motion, all of the evidence, and arguments =
of=20
      counsel hereby GRANTS Defendant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s Motion=20
      for Partial Summary Judgment and ORDERS that Plaintiffs take =
nothing from=20
      Defendant, MARINA BAY TRUCKS, INC.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">&nbsp; In=20
      their appellate brief, appellants concede that the trial court did =
not=20
      expressly rule on their motions for leave.&nbsp; Appellants =
contend,=20
      however, that the absence of a ruling on their motions for leave =
requires=20
      this court to presume that the motions were denied.&nbsp;&nbsp; We =

      disagree. </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection8>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">In order=20
      to address appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =

      contention that the trial court erred in denying their motions for =
leave,=20
      we must first find that the trial court ruled, either expressly or =

      implicitly, on those motions, or that the trial court refused to =
rule and=20
      appellants objected to the refusal.&nbsp; <SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. App. P. =
</SPAN>33.1(a).&nbsp; In=20
      their brief, appellants contend </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">we may=20
      presume that the [trial] court denied the motion [for leave] since =
the=20
      absence of a ruling on a motion for leave to late-file a summary =
judgment=20
      response seems to have been interpreted <I>pasim</I> [sic] to =
require the=20
      reviewing Court of Appeals to presume that the motion was=20
      denied.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">&nbsp; In=20
      support of their contention, appellants cite caselaw from this =
court and=20
      the Texas Supreme Court applying the following rule: When there is =
no=20
      order in the record granting leave for a late filing by the =
non-movant, we=20
      must presume the court did not consider the filing in rendering =
the=20
      take-nothing summary judgment.<I>&nbsp; See</I> </SPAN><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Benchmark Bank v.=20
      Crowder</SPAN></I><SPAN style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">, 919=20
      S.W.2d 657, 663 (Tex. 1996); <I>INA of Texas v. Bryant</I>, 686 =
S.W.2d=20
      614, 615 (Tex. 1985)</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; LINE-HEIGHT: 150%">; </SPAN><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Brown v.=20
      Shores</SPAN></I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">, 77=20
      S.W.3d 884, 886 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Houston=20
      [14th Dist.] 2002, no pet.); <I>Geiselman v. Cramer Fin. Group, =
Inc</I>.,=20
      965 S.W.2d 532, 536 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Houston=20
      [14th Dist.] 1997, no writ).&nbsp; These cases state an =
evidentiary=20
      presumption to be applied by appellate courts when reviewing a =
trial=20
      court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s order=20
      <I>granting a motion for summary judgment.&nbsp; See id.&nbsp; =
</I>None of=20
      the cases cited by appellants address the issue of whether a trial =
court=20
      <I>implicitly denied a motion for leave </I>to file a late =
response to a=20
      motion for summary judgment, nor do they address the issue of =
whether a=20
      trial court abused its discretion in denying a motion for leave to =
file a=20
      late response. <I>&nbsp;See id.</I></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">We cannot=20
      infer from the record in this case that the trial court implicitly =
denied=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for leave to file an untimely response.&nbsp; The fact that the =
trial=20
      court signed an order granting Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment on September 7, two days after appellants =
filed their=20
      untimely response, does not conclusively establish that=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for leave were implicitly denied.&nbsp; <I>See Delfino v. Perry =
Homes</I>,=20
      ---S.W.3d---, 2006 WL 2042527, at *3 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Houston=20
      [1st Dist.] 2006, no pet.) (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">[R]ulings=20
      on a motion for summary judgment and objections to summary =
judgment=20
      evidence are not alternatives; nor are they concomitants.&nbsp; =
Neither=20
      implies a ruling </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
or any=20
      particular ruling </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
on the=20
      other.&nbsp; In short, a trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s ruling=20
      on an objection to summary judgment evidence is not implicit in =
its ruling=20
      on the motion for summary judgment.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">);<I>=20
      Franco v. Slavonic Mut. Fire Ins. Assoc.</I>, 154 S.W.3d 777,=20
      784</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">85 (Tex.=20
      App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">Houston=20
      [14th Dist.] 2004, no pet.) (holding order granting motion for =
summary=20
      judgment does not constitute an implicit ruling on a special=20
      exception).&nbsp; Under the facts of this case, we find the trial=20
      court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s order=20
      granting Marina Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti">s motion=20
      for summary judgment is equally consistent with either no ruling =
on=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
motions=20
      for leave, a ruling granting a motion for leave, or a ruling =
denying the=20
      motions for leave.&nbsp; <I>See </I><SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. App. P. =
</SPAN>33.1(a).&nbsp; We=20
      cannot review a ruling that we cannot ascertain, and we will not =
speculate=20
      thereon.&nbsp; Accordingly, appellants have failed to preserve =
this=20
      complaint for our review.&nbsp; <I>See id.</I>&nbsp;=20
      Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: Shruti"> =
second=20
      issue is overruled.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: =
Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection9>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 0.5in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">II.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      No-Evidence Motions for Summary Judgment Filed by Marina Bay and =
Sterling=20
      </SPAN></B></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Appellees=20
      Marina Bay and Sterling filed separate no-evidence motions for =
summary=20
      judgment, both of which were granted by the trial court.&nbsp; In =
their=20
      first issue, appellants contend the trial court erred in granting=20
      appellees</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      no-evidence motions for summary judgment because appellants =
responded with=20
      competent summary judgment evidence raising issues of material =
fact.=20
      </SPAN></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 1in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      Standard of Review</SPAN></B></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      reviewing a no-evidence motion for summary judgment, we ascertain =
whether=20
      the nonmovant pointed out summary judgment evidence of probative =
force to=20
      raise a genuine issue of fact as to the essential elements =
attacked in the=20
      no-evidence motion. <I>Johnson v. Brewer &amp; Pritchard, =
P.C.</I>, 73=20
      S.W.3d 193, 206</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">B</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">08=20
      (Tex. 2002).&nbsp; We take as true all evidence favorable to the=20
      nonmovant, and we make all reasonable inferences therefrom in the=20
      nonmovant</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      favor.&nbsp; <I>Dolcefino v. Randolph</I>, 19 S.W.3d 906, 916 =
(Tex.=20
      App.</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">C</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Houston=20
      [14th Dist.] 2000, pet. denied).&nbsp; A no-evidence motion for =
summary=20
      judgment must be granted if the party opposing the motion does not =
respond=20
      with competent summary judgment evidence that raises a genuine =
issue of=20
      material fact.&nbsp; <SPAN style=3D"TEXT-TRANSFORM: =
uppercase">Tex. R. Civ.=20
      P. </SPAN>&nbsp;166a(i); <I>Dolcefino</I>, 19 S.W.3d&nbsp; at =
917.&nbsp;=20
      When, as in this case, the order granting summary judgment does =
not=20
      specify the grounds upon which the trial court relied, we must =
affirm=20
      summary judgment if any of the independent summary judgment =
grounds is=20
      meritorious.&nbsp; <I>FM Props. Operating Co. v. City of =
Austin</I>, 22=20
      S.W.3d 868, 872 (Tex. 2000).</SPAN></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 1in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      Did the Trial Court Err in Granting Marina =
Bay</SPAN></B></SPAN><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></B></SPAN><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      No-Evidence Motion for Summary =
Judgment?</SPAN></B></SPAN></P></DIV><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN></B></SPAN>
      <DIV class=3DSection10>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">On=20
      August 14, 2001, Marina Bay filed a no-evidence motion for summary =

      judgment identifying at least one essential element of each cause =
of=20
      action asserted by appellants as to which Marina Bay contended =
there was=20
      no evidence.&nbsp; Marina Bay</SPAN></SPAN><SPAN =
class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion was set for hearing on September 5, 2001.&nbsp;=20
      Appellants</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      response to Marina Bay</SPAN></SPAN><SPAN =
class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion was due on August 29, 2001.&nbsp; <I>See</I> <SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. </SPAN>166a(c) =

      (</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Except=20
      on leave of court, the adverse party, not later than seven days =
prior to=20
      the day of hearing may file and serve opposing affidavits or other =
written=20
      response.</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">).&nbsp;=20
      On September 4 and 5, appellants filed motions for leave to file =
an=20
      untimely response to Marina Bay</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion for summary judgment. Appellants filed their only response =
to=20
      Marina Bay</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion on September 5.&nbsp; </SPAN></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Appellants=20
      admit they did not timely file a response to Marina =
Bay</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      no-evidence motion for summary judgment.&nbsp; Appellants further =
admit,=20
      and the record reflects, that they did not obtain a ruling from =
the trial=20
      court granting or denying their motions for leave.&nbsp; When =
there is no=20
      order in the record granting leave for a late filing by the =
nonmovant, we=20
      must presume, in our review of the trial court</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      order granting the take-nothing summary judgment, that the trial =
court did=20
      not consider the late filing in rendering the judgment.<I>=20
      </I>&nbsp;</SPAN></SPAN><SPAN class=3DMsoHyperlink><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: =
150%">Benchmark=20
      Bank</SPAN></I></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%">, 919 =
S.W.2d at=20
      663;</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 11pt; COLOR: black; LINE-HEIGHT: 150%">=20
      </SPAN></SPAN><SPAN class=3DMsoHyperlink><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Brown</SPAN></I></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">,=20
      77 S.W.3d at 886.&nbsp; Thus, we must presume the trial court did =
not=20
      consider appellants</SPAN></SPAN><SPAN class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      untimely response to Marina Bay</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion.&nbsp; <I>See id.</I>&nbsp; Because appellants failed to =
respond=20
      with competent summary judgment evidence raising genuine issues of =
fact as=20
      to any of the elements challenged by Marina Bay, the trial court =
did not=20
      err in granting Marina Bay</SPAN></SPAN><SPAN =
class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></SPAN><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      no-evidence motion for summary judgment.&nbsp; <I>See</I> <SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. =
</SPAN>&nbsp;166a(i);=20
      <I>Dolcefino</I>, 19 S.W.3d&nbsp; at 917.&nbsp;&nbsp; =
</SPAN></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 1in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      Did the Trial Court Err in Granting =
Sterling</SPAN></B></SPAN><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN></B></SPAN><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      No-Evidence Motion for Summary =
Judgment?</SPAN></B></SPAN></P></DIV><SPAN=20
      class=3DMsoHyperlink><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN></B></SPAN>
      <DIV class=3DSection11>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      class=3DMsoHyperlink><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      their amended petition, appellants asserted the following causes =
of action=20
      against Sterling: breach of contract, breach of warranty, =
negligence,=20
      civil conspiracy, violation of the Texas Deceptive Trade Practices =
Act,=20
      and violation of the Texas Insurance Code.</SPAN></SPAN><A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn7"=20
      name=3D_ftnref7><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti">[7]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">&nbsp;=20
      On September 24, 2001, Sterling filed a no-evidence motion for =
summary=20
      judgment identifying at least one element of each cause of action =
asserted=20
      by appellants as to which Sterling contended there was no =
evidence.&nbsp;=20
      Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion was set for hearing on October 15.&nbsp; Appellants timely =
filed a=20
      response to Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion.&nbsp; The affidavit of Lewis and various documents<A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn8"=20
      name=3D_ftnref8><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti">[8]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>=20
      were attached to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      response.&nbsp; On October 15, 2001, the trial court signed an =
order=20
      granting Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      Motion for summary judgment.&nbsp; The trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      order provides: </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">The=20
      motion for summary judgment of Sterling Financial Group LLC is=20
      granted.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">&nbsp;=20
      Sterling did not file an appellate brief and, therefore, raises no =

      objections on appeal to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      summary judgment evidence.&nbsp; We address each of =
appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      causes of action, the specific elements challenged in =
Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      motion, and the evidence identified by appellants in their=20
      response.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 1in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">1.=20
      Breach of Contract&nbsp;&nbsp;&nbsp;&nbsp; </SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      its no-evidence motion for summary judgment, Sterling asserted =
that it was=20
      not liable for breach of contract because there was no evidence of =
the=20
      existence of a contract between appellants and Sterling.&nbsp; A =
plaintiff=20
      asserting a cause of action for breach of contract must establish =
the=20
      existence of a valid contract.&nbsp; <I>Frost Nat. Bank v. =
Burge</I>, 29=20
      S.W.3d 580, 593 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Houston=20
      [14th Dist.] 2000, no pet.).&nbsp; The <A =
name=3DSR_1840></A>elements <A=20
      name=3DSR_1841></A>of <A name=3DSR_1842></A>a <A =
name=3DSR_1843></A>contract=20
      are: (1) an offer; (2) acceptance in strict compliance with terms =
of the=20
      offer; (3) a meeting of the minds; (4) a communication that each =
party has=20
      consented to the terms of the agreement; (5) execution and =
delivery of the=20
      contract with an intent that it become mutual and binding on both =
parties;=20
      and (6) consideration.&nbsp; <I>Angelou v African Overseas =
Union</I>, 33=20
      S.W.3d 269, 278 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Houston=20
      [14th Dist.] 2000, no pet.).</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection12>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      response to Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      no-evidence motion for summary judgment, appellants had the burden =
to=20
      point out evidence raising a genuine issue of fact as to the =
existence of=20
      a contract between appellants and Sterling.&nbsp; <I>See San Saba =
Energy,=20
      L.P. v. Crawford</I>, 171 S.W.3d 323, 330</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">31=20
      (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Houston=20
      [14th Dist.] 2005 no pet.).&nbsp; In their summary judgment =
response and=20
      appellate brief,<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn9"=20
      name=3D_ftnref9><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti">[9]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>=20
      appellants contend that the affidavit of Lewis and a one-page =
document=20
      titled </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Vehicle=20
      Service Contract Application,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      both of which were attached to their summary judgment response, =
establish=20
      that Sterling sold a Mitsubishi automobile to =
appellants.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">The=20
      three-page affidavit of Lewis provides no evidence of the =
existence of any=20
      contract between appellants and Sterling.&nbsp; The affidavit =
contains no=20
      mention of Sterling whatsoever.&nbsp;&nbsp; In his affidavit, =
Lewis=20
      testified that he purchased both of the automobiles at issue, as =
well as=20
      an extended service plan for the Mitsubishi automobile, from Sam =
Grizzaffi=20
      and Terry Etzel at the Toys and Trucks used car dealership.&nbsp;=20
      </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Similarly,=20
      the Vehicle Service Contract Application (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">the=20
      Application</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">)=20
      fails to raise a fact issue as to the existence of a contract =
between=20
      appellants and Sterling. The Application is, by its terms, an=20
      <I>application</I> for an extended warranty on a used Mitsubishi=20
      automobile.&nbsp; The Application identifies Sterling as the =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">dealer</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      obligated to provide vehicle service under the contract and Ruth =
Crowder=20
      as the purchaser.&nbsp; The Application further provides that the =
service=20
      contract becomes effective</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti">upon =
the=20
      Application being received by the Administrator from the Seller, =
verified=20
      and accepted by the Administrator for Vehicle eligibility, and=20
      conformation and a Contract number is mailed to the Purchaser by =
the=20
      Administrator . . . . This application will be attached to, and =
will=20
      become part of the service contract. </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection13>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">The=20
      Application is signed by appellants Lewis and Crowder, as well as =
Jim=20
      Riordan, a purported representative of Sterling.&nbsp; However, =
the=20
      Application is neither attached to, nor accompanied by, any=20
      contract.&nbsp; The Application, in and of itself, does not =
establish a=20
      meeting of the minds between appellants and Sterling.&nbsp; <I>See =

      Angelou</I>, 33 S.W.3d at 278.&nbsp; A correspondence from the=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Administration=20
      Department</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      to Ruth Crowder titled </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Notice=20
      of Rejection of Application</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      is also attached to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      summary judgment response. This correspondence provides: =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">After=20
      careful review of your vehicle service contract application, we =
must=20
      inform you that your application cannot be accepted.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      We conclude that the trial court did not err in granting summary =
judgment=20
      as to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      breach of contract claim because appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      summary judgment evidence does not raise a genuine issue of =
material fact=20
      as to the existence of a contract between appellants and=20
      Sterling.&nbsp;&nbsp;&nbsp;&nbsp; </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 1in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">2.=20
      Breach of Warranty&nbsp;&nbsp;&nbsp; </SPAN></B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">&nbsp;=20
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; =
&nbsp;&nbsp;&nbsp;</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      its motion for summary judgment, Sterling contends appellants have =
no=20
      evidence that Sterling sold or provided an express or implied =
warranty to=20
      appellants.&nbsp; In their summary judgment response and appellate =
brief,=20
      appellants do not identify any evidence or make any arguments in =
support=20
      of their claim for breach of warranty.&nbsp; <I>See </I><SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. =
</SPAN>166a(i); <I>Saba=20
      Energy</I>, 171 S.W.3d at 330 (requiring a nonmovant responding to =
a=20
      no-evidence ground for summary judgment to point out evidence that =
raises=20
      a genuine issue of fact as to the challenged elements).&nbsp; =
Assuming,=20
      <I>arguendo</I>, appellants contend that the Application provides =
some=20
      evidence of the existence of a warranty, we hold that the =
Application does=20
      not provide more than a scintilla of evidence of the existence of =
a=20
      warranty sold or provided by Sterling to appellants.&nbsp; =
Accordingly, we=20
      conclude that the trial court did not err in granting summary =
judgment as=20
      to appellants breach of warranty claim. </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"></SPAN>&nbsp;</P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection14>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 1in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">3.=20
      Negligence </SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      summary judgment motion contends appellants have no evidence of =
any=20
      essential element of a cause of action for negligence.&nbsp; =
Sterling=20
      specifically asserts that appellants have no evidence of the =
existence of=20
      a legal duty owed by Sterling to appellants, a breach of that =
duty, or=20
      damages proximately caused by the breach. Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      amended petition alleges Sterling provided financing and insurance =
for the=20
      two automobiles sold to appellants by Marina Bay Trucks.&nbsp; =
Appellants=20
      allege Sterling was negligent in the following manner: =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Sterling=20
      Financial Group, LLC</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      employees probably conspired with Etzel and/or Grizzaffi and/or =
Marina Bay=20
      Trucks, Inc. to profit unlawfully from deceiving Lewis and his=20
      grandmother, but if Sterling didn</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">t=20
      know what kind of operation Toys &amp; Trucks was running, they =
were=20
      willfully ignorant about it, or negligent in ignoring the=20
      situation.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">&nbsp;=20
      </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      their summary judgment response and appellate brief, appellants do =
not=20
      identify any evidence or cite any legal authority in support of =
their=20
      allegation that Sterling owed them a legal duty.&nbsp;=20
      Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      summary judgment response makes no reference whatsoever to their=20
      negligence claim.&nbsp; Accordingly, we conclude that the trial =
court did=20
      not err in granting summary judgment as to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      negligence claim because appellants failed to point out evidence =
raising a=20
      genuine issue of fact as to the existence of a legal duty owed by =
Sterling=20
      to appellants.&nbsp; <I>See FM Props. Operating Co.</I>, 22 S.W.3d =
at=20
      872.&nbsp; (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">When=20
      a trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      order granting summary judgment does not specify the grounds =
relied upon,=20
      the reviewing court must affirm summary judgment if any of the =
summary=20
      judgment grounds are meritorious.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">).=20
      </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 1in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">4.=20
      Civil Conspiracy</SPAN></B></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection15>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      its no-evidence motion, Sterling contends appellants have no =
evidence of=20
      the following elements of a cause of action for civil conspiracy: =
(1) an=20
      object to be accomplished, (2) an agreed upon course of action, =
(3) one or=20
      more unlawful, overt acts, and (4) damages as the proximate =
result.&nbsp;=20
      <I>See Massey v. Armco Steel Co.</I>, 652 S.W.2d 932, 934 (Tex. =
1983).=20
      Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      amended petition alleges Sterling </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">probably=20
      conspired with Etzel and/or Grizzaffi and/or Marina Bay Trucks, =
Inc. to=20
      profit unlawfully . . . .</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      However, appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      summary judgment response fails to identify any evidence that =
Sterling=20
      agreed upon a course of action with any other alleged =
conspirator.&nbsp;=20
      Therefore, the trial court did not err in granting summary =
judgment as to=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      civil conspiracy claim.&nbsp; <I>See FM Props. Operating Co.</I>, =
22=20
      S.W.3d at 872.&nbsp; </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 1in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">5.=20
      Texas Deceptive Trade Practices Act</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      DTPA claim is based on alleged misrepresentations made by Sterling =
to=20
      appellants regarding the sale of a Mitsubishi automobile and =
extended=20
      warranty.&nbsp; In their amended petition, appellants alleged:=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">The=20
      insurance (extended warranty) deal got bent from the start as =
well.&nbsp;=20
      It looks as if Etzel or someone else at the Toys &amp; Trucks or =
Sterling=20
      end played with the mileage declaration and odometer statements =
and=20
      backdated the sale on the Mitsubishi so that the life of the =
extended=20
      warranty would be unnaturally shortened.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      <I>&nbsp;See </I><SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. =
Bus. &amp;=20
      Com. Code Ann.</SPAN> </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">'</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      17.46(b)(7) (Vernon Supp. 2005) (stating that misrepresentation of =
the=20
      standard, quality, grade, style or model of goods or services is a =
false,=20
      misleading, or deceptive act or practice under the DTPA).&nbsp;=20
      </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection16>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      summary judgment motion contends appellants have no evidence that =
Sterling=20
      made any misrepresentations to appellants regarding the sale of an =

      automobile or warranty.&nbsp; In their summary judgment response =
and=20
      appellate brief, appellants identify the Application as evidence =
of=20
      misrepresentations made by Sterling.&nbsp; The Application =
contains=20
      information regarding the odometer reading and date of sale of the =

      Mitsubishi automobile; however, appellants failed to identify any =
evidence=20
      showing that Sterling filled out the Application or made any of =
the=20
      alleged misrepresentations contained therein.&nbsp; To the =
contrary, in=20
      his affidavit, Lewis stated that Sam Grizzaffi and Terry Etzel =
prepared=20
      the paperwork for the extended service plan and incorrectly stated =
the=20
      odometer reading in the paperwork.&nbsp; Therefore, the trial =
court did=20
      not err in granting summary judgment as to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      DTPA claim.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 1in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">6.=20
      Texas Insurance Code</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      their amended petition, appellants allege Sterling knowingly made=20
      misrepresentations in violation of the Texas Insurance Code.<A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftn10"=20
      name=3D_ftnref10><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-FAMILY: Shruti"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti">[10]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A>&nbsp;=20
      The Insurance Code provides:</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti">It is =
an unfair=20
      method of competition or an unfair or deceptive act or practice =
<I>in the=20
      business of insurance </I>to misrepresent an insurance policy =
by:<A=20
      name=3DSP_f1c50000821b0></A><A name=3DIN_2></A>(1) making an =
untrue statement=20
      of material fact;</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti"><A=20
      name=3DSP_58730000872b1></A><A name=3DIN_3></A>(2) failing to =
state a material=20
      fact necessary to make other statements made not misleading, =
considering=20
      the circumstances under which the statements were made;</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti"><A=20
      name=3DSP_d08f0000f5f67></A><A name=3DIN_4></A>(3) making a =
statement in a=20
      manner that would mislead a reasonably prudent <A =
name=3DSDU_2></A>person to=20
      a false conclusion of a material fact;</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti"><A=20
      name=3DSP_0bd500007a412></A><A name=3DIN_5></A>(4) making a =
material=20
      misstatement of law; or</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti"><A=20
      name=3DSP_362c000048fd7></A><A name=3DIN_6></A>(5) failing to =
disclose a=20
      matter required by law to be disclosed, including failing to make =
a=20
      disclosure in accordance with another provision of this =
code.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; TEXT-TRANSFORM: uppercase; COLOR: black; =
LINE-HEIGHT: 150%; FONT-FAMILY: Shruti">Tex.=20
      Ins. Code Ann.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">'</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      541.061 (Vernon 2004) (formerly codified at <SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. Ins. Code </SPAN>art. =
21.21=20
      (Vernon1981)) (emphasis added). </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">In=20
      its motion for summary judgment, Sterling contends appellants have =
no=20
      evidence that Sterling is in the business of selling insurance or =
that=20
      Sterling violated the Texas Insurance Code.&nbsp; In their summary =

      judgment response and appellate brief, appellants fail to identify =
any=20
      evidence in support of their claim that Sterling is in the =
business of=20
      selling insurance.&nbsp; Accordingly, the trial court did not err =
in=20
      granting summary judgment as to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      cause of action for violation of the Texas Insurance Code.=20
      </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection17>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Appellants=20
      failed to raise a genuine issue of fact as to at least one =
challenged=20
      element of each of appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      causes of action against Sterling.&nbsp; Therefore, we hold that =
the trial=20
      court did not err in granting summary judgment in favor of =
Sterling.&nbsp;=20
      <I>See FM Props. Operating Co.</I>, 22 S.W.3d at 872.&nbsp; =
(</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">When=20
      a trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">s=20
      order granting summary judgment does not specify the grounds =
relied upon,=20
      the reviewing court must affirm summary judgment if any of the =
summary=20
      judgment grounds are meritorious.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">).=20
      Because we find that the trial court did not err in granting =
take-nothing=20
      summary judgments in favor of Marina Bay and Sterling,=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      first issue is overruled.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; TEXT-TRANSFORM: uppercase; COLOR: black; =
LINE-HEIGHT: 150%; FONT-FAMILY: Shruti">Conclusion</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">Having=20
      considered and overruled each of appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: 'WP TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti">=20
      issues on appeal, we affirm the judgment of the trial court.&nbsp; =

      </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-INDENT: 3.5in; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 0.05in; TEXT-INDENT: 3in; LINE-HEIGHT: =
79%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 79%; =
FONT-FAMILY: Shruti">/s/&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      John S. Anderson</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 0.05in; TEXT-INDENT: 3.5in; LINE-HEIGHT: =
79%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; LINE-HEIGHT: 79%; =
FONT-FAMILY: Shruti">Justice</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: =
Shruti">Judgment=20
      rendered and Memorandum Opinion filed March 27, 2007.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 4.55pt; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: black; FONT-FAMILY: Shruti">Panel =
consists=20
      of Justices Yates, Anderson, and Hudson.</SPAN></P>
      <P class=3DMsoNormal style=3D"MARGIN: 0in 0in 6.8pt; LINE-HEIGHT: =
150%"><SPAN=20
      class=3DMsoHyperlink><U><SPAN=20
      style=3D"FONT-SIZE: 13pt; COLOR: blue; LINE-HEIGHT: 150%; =
FONT-FAMILY: Shruti"><SPAN=20
      style=3D"TEXT-DECORATION: =
none"></SPAN></SPAN></U></SPAN>&nbsp;</P></DIV>
      <DIV><BR clear=3Dall>
      <HR align=3Dleft width=3D"33%" SIZE=3D1>

      <DIV id=3Dftn1>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref1"=20
      name=3D_ftn1><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[1]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Appellants filed suit against =
Sterling=20
      Financial Group, L.L.C., Marina Bay Trucks, Inc., Dimension =
Service=20
      Corporation, The Answer, Westchester Fire Insurance Company, Bank =
One=20
      Louisiana, N.A., Terry Etzel, and Sam Grizzaffi. </SPAN></P></DIV>
      <DIV id=3Dftn2>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref2"=20
      name=3D_ftn2><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[2]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp;&nbsp; None of the parties contend =
that the=20
      orders granting summary judgment in favor of Marina Bay and =
Sterling are=20
      not final, appealable orders.&nbsp; Nevertheless, we are obligated =
to=20
      review <I>sua sponte</I> issues affecting jurisdiction.&nbsp; =
<I>N.Y.=20
      Underwriters Ins. Co. v. Sanchez</I>, 799 S.W.2d 677, 678 (Tex.=20
      1990).&nbsp; Appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> first amended original petition =
asserted six=20
      causes of action against a defendant identified as </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">The Answer</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> and described as </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">an entity of unknown structure which is =
engaged in=20
      the business of insurance in the State of Texas but which has not=20
      registered to do so . . . nor has it designated an agent for =
service of=20
      process.&nbsp; Its principal offices are unknown despite diligent=20
      investigation.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Defendant The Answer was never =
served, nor=20
      did it file an answer or any other pleadings or motions.&nbsp; The =
record=20
      contains no order disposing of appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> claims against The Answer.&nbsp; =
</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 11pt">A judgment is final for the purposes of =
appeal if=20
      it disposes of all pending parties and claims in the record.&nbsp; =

      <I>Lehmann v. Har-Con Corp.</I>, 39 S.W.3d 191, 195 (Tex. =
2001).&nbsp;=20
      However, where a judgment disposes of all parties except those who =
have=20
      not been served and have filed no answer, as is the case with The =
Answer,=20
      the judgment is final and the unserved party is considered to have =
been=20
      nonsuited without prejudice.&nbsp; <I>See M.O. Dental Lab v. =
Rape</I>, 139=20
      S.W.3d 671, 674</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">75 (Tex.2004) (holding summary judgment =
order that=20
      disposed of all named parties except one who had never been served =
was=20
      final for purposes of appeal based on record revealing (1) =
unserved party=20
      never filed any motions or pleadings and (2) plaintiff had no =
intention to=20
      serve unserved party); <I>Galley v. Apollo Assoc. Servs.</I>, 177 =
S.W.3d=20
      523, 526 n.1 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">Houston [1st Dist.] 2005, no =
pet.).&nbsp; On=20
      November 29, 2001, the trial court signed an order dismissing with =

      prejudice all claims against Bank One Louisiana, N.A.&nbsp; The =
Answer was=20
      the only remaining defendant. The Answer has not been served, and =
the=20
      record contains no indication that appellants ever expected to =
obtain=20
      service upon The Answer.&nbsp; Therefore, we conclude that the =
trial=20
      court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s orders granting summary judgment in =
favor of=20
      appellees Sterling and Marina Bay became final and appealable on =
November=20
      29, 2001.&nbsp; <I>See id.</I></SPAN></P></DIV>
      <DIV id=3Dftn3>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref3"=20
      name=3D_ftn3><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[3]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; In their notice of appeal and =
appellate=20
      brief, appellants challenge&nbsp; the trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s orders granting summary judgment in =
favor of=20
      defendants Sterling Financial Group, L.L.C., Marina Bay Trucks, =
Inc.,=20
      Dimension Service Corporation, Westchester Fire Insurance Company, =
Terry=20
      Etzel, and Sam Grizzaffi. However, during the pendency of this =
appeal,=20
      Terry Etzel and Sam Grizzaffi filed bankruptcy and received orders =
of=20
      discharge.&nbsp; Also, on August 31, 2006, this court issued an =
order=20
      dismissing Dimension Service Corporation and Westchester Fire =
Insurance=20
      Company from this appeal pursuant to an agreed motion to =
dismiss.&nbsp;=20
      Therefore, Marina Bay and Sterling are the only two appellees who =
remain=20
      parties to this appeal.</SPAN></P></DIV>
      <DIV id=3Dftn4>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref4"=20
      name=3D_ftn4><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[4]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">The motion filed on =
September=20
      4 also requested leave to file an untimely response to three =
pending=20
      motions for summary judgment.</SPAN><SPAN style=3D"FONT-SIZE: =
11pt">&nbsp;=20
      </SPAN></P></DIV>
      <DIV id=3Dftn5>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref5"=20
      name=3D_ftn5><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[5]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">&nbsp;Three =
separate summary=20
      judgment motions were set for hearing on September 5.&nbsp; The =
defendants=20
      who filed the other two summary judgment motions are not parties =
to this=20
      appeal. </SPAN></P></DIV>
      <DIV id=3Dftn6>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref6"=20
      name=3D_ftn6><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[6]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">Marina =
Bay</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">s motion for =
summary judgment=20
      was set for hearing on September 5, 2001.&nbsp; Therefore, =
appellants were=20
      required to obtain leave of court to file a response later than =
August 29,=20
      2001.&nbsp; <I>See</I> <SPAN style=3D"TEXT-TRANSFORM: =
uppercase">Tex. R.=20
      Civ. P. </SPAN>166a(c) (</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">Except on leave of =
court, the=20
      adverse party, not later than seven days prior to the day of =
hearing may=20
      file and serve opposing affidavits or other written =
response.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">).&nbsp; =
</SPAN></P></DIV>
      <DIV id=3Dftn7>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref7"=20
      name=3D_ftn7><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[7]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Appellants asserted the same six =
causes of=20
      action against each of the eight defendants named in their amended =

      petition.&nbsp; Additional causes of action were asserted against =
Marina=20
      Bay, Terry Etzel, and Sam Griffazzi.&nbsp; </SPAN></P></DIV>
      <DIV id=3Dftn8>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref8"=20
      name=3D_ftn8><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[8]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">Photocopies of the =
following=20
      documents were attached to appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti"> response: =
photographs of a=20
      Mitsubishi automobile, a document titled </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">Sterling Group =
Program=20
      Guidelines,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti"> a document titled=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">Sterling Group The =
Automotive=20
      Financing Source,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti"> a February 17, =
1999=20
      correspondence from Sterling to Marina Bay authorizing Marina Bay =
to=20
      submit applications to Sterling, a March 11, 1999 document titled=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">Vehicle Service =
Contract=20
      Application,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti"> an August 6, 1999=20
      correspondence to Ruth Crowder rejecting Crowder</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: Shruti">s Vehicle Service =
Contract=20
      Application, and a Texas certificate of title for a 1985 Chevrolet =

      automobile.&nbsp; </SPAN></P></DIV>
      <DIV id=3Dftn9>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref9"=20
      name=3D_ftn9><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[9]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; The argument section of=20
      appellants</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> appellate brief contains only one and =
one-half=20
      pages of argument pertaining to the trial court</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s order granting summary judgment in =
favor of=20
      Sterling.</SPAN></P></DIV>
      <DIV id=3Dftn10>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D83248#_ftnref10"=20
      name=3D_ftn10><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 11pt"><SPAN =
class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
11pt">[10]</SPAN></SUP></SPAN></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Appellants do not cite or refer =
to any=20
      specific provisions of the Texas Insurance Code or Texas Deceptive =
Trade=20
      Practices Act in their amended petition, response to =
Sterling</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> motion for summary judgment, or =
appellate=20
      =
brief.</SPAN></P></DIV></DIV></TD></TR></TBODY></TABLE></BODY></HTML>

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