CLAY, J., delivered the opinion of the court, in which KEITH, J., joined. COOK, J. (p. 352), delivered a separate concurring opinion.
OPINION
CLAY, Circuit Judge.
Defendant William J. Davis appeals his conviction and sentence for bank fraud in violation of 18 U.S.C. § 1344, entered by the United States District Court for the Southern District of Ohio on August 29, 2003. For the reasons set forth below, we
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