, Georgia, for Appellee. A. Vernon Carnahan; Daniel R. Murdock, New York, New York, for Appellee. JUDGES: Tjoflat and Hatchett, Circuit Judges, and Garza, • Senior Circuit Judge. • Honorable Reynaldo G. Garza. U.S. Circuit Judge for the Fifth Circuit. sitting by designation. OPINION BY: TJOFLAT OPINION ["6O3] TJOFLA