ffs-appel- lants. Richard Essen, Essen & Essen, P.A., North Miami Beach, Fla., for William Fa- loon. Dexter W. Lebtinen, U.S. Atty., Miami, Fla., Barbara K. Bisno, Ant. U.S. Atty., Deborah S. Smolover, U.S. Dept. of Justice, Jacqueline H. Eagle, Office of Consumer Litigation, U.S. Dept of Justice, Washing- t