The court denied the debtor's uncontested motion to avoid a non-possessory, non-purchase-money security interest in the vehicle she uses to commute to work. Following the holding of In re Cardwell, Case No. BK13-40623 (Sept. 12, 2013), the court ruled that simply using a vehicle for commuting is not sufficient to define it as a tool of the trade under federal law, and federal law determines the availability of lien avoidance.