EASTERBROOK, Circuit Judge.
Milwaukee Cheese set up a "thrift savings plan" for its employees. The plan offered the convenience of payroll deductions plus an attractive rate of interest; the firm credited long-term employees with additional amounts under an informal profit-sharing plan. Problem: Milwaukee Cheese was not a bank and did not establish a credit union. (It could not have done so; the firm permitted employees' friends and relatives to participate, spoiling...
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