EASTERBROOK, Circuit Judge.
Catherine Mercado bought a house with funds lent by the Calumet Federal Savings & Loan Association. According to the complaint, from which we take all the facts, she told Calumet that Michael B. Kuknyo, her son, would live in the house and make payments on the mortgage. For several years Calumet accepted Kuknyo's payments and all went well.
Then Calumet noticed that the house was insured in Kuknyo's name, and it asked Mercado...
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