The court considered the evidence with respect to bank's claim that its debt was non-dischargeable under 11 U.S.C. § 523(a)(6), based on a clear and convincing standard of proving both an intentional or deliberate act and an intent to injure. Finding that bank had established that debtor willfully failed to remit proceeds of a sale, but failed to establish that the failure was malicious, the court ruled that the debt was dischargeable.