KANNE, Circuit Judge.
Thomas Downs began trading commodities for himself in 1986. Over the next few years, however, the trading went very poorly. To finance the trading, Downs had to take out a series of loans, using cattle and 250 acres of farmland from his father's estate as collateral. When Downs missed a loan repayment date in 1989, he asked for an extension. The credit association granted the extension but only after Downs falsely reported that his father's estate...
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