BYBEE, Circuit Judge: Robert Kowell found an investment opportunity that sounded too good to be true. In Kowell’s case, it wasn’t. J.T. Wallen-brock Associates (“Wallenbrock”) promised Kowell a 20 percent return on his investment every ninety days, risk free, and that is nearly what he got. Because he received regular interest payments from Wallenbrock, Kowell was quite su…
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