Smiley v. Citibank (1995) 11 Cal.4th 138 , 44 Cal.Rptr.2d 441; 900 P.2d 690 [No. S041711. Sep 1, 1995.] BARBARA SMILEY, Plaintiff and Appellant, v. CITIBANK (SOUTH DAKOTA) N.A., Defendant and Respondent. (Opinion by Mosk, Acting C. J., with Kennard, Baxter, Werdegar, JJ., and Ardaiz, J., fn. * concurring. Separate dissenting opinions by Arabian and […]