DIANE P. WOOD, Circuit Judge.
From March to the end of May 1999, Donald Higgins carried out an elaborate scheme to defraud several banks, a car dealer, and others along the way. Caught red-handed in Jacksonville, Illinois, with two cars he had obtained with the bad checks, he wound up facing one charge of bank fraud in violation of 18 U.S.C. § 1344, to which he pleaded guilty. At the initial sentencing hearing, the district court imposed a sentence of 51 months...
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