MAHONEY, Circuit Judge:
Petitioner-appellant Michael Peck appeals from a judgment entered June 2, 1994 in the United States District Court for the District of Connecticut, Alan H. Nevas, Judge, that granted in part and denied in part Peck’s petition for a writ of habeas corpus pursuant to 28 U.S.C. § 2255.1 Peck had been convicted, following a jury trial, of two counts of structuring cash transactions to evade bank reporting requirements in violation of 31 U.S.C. §§ 5324(3), 5313(a), and 5322(a).2 In his petition, he contends that the conviction should be vacated because, in light of the Supreme Court’s decision in Ratzlaf v. United States, — U.S. -, 114 S.Ct. 655, 126 L.Ed.2d 615 (1994), decided after his judgment of conviction was entered, the jury was erroneously instructed with respect to the scienter required for conviction.
Peck did not pursue a direct appeal. Nonetheless, because he has demonstrated cause for his failure to take a direct appeal and actual prejudice resulting from the jury instruction, we reverse the judgment of the district court and vacate Peck’s structuring convictions.
Background
At all relevant times, Peck was an attorney practicing in Hartford, Connecticut. In July 1991, a grand jury indicted Peek on three counts of tax evasion for the years 1984 though 1986 and one count of wilful failure to file a tax return in 1987. The indictment charged that Peck had evaded more than $225,000 in taxes.
Peck was arraigned on these charges on August 1, 1991, and thereafter released on bond. Between then and the time of his trial on the tax charges in July 1992, which resulted in his conviction on all counts and a sentence of eighteen months imprisonment, Peck engaged in a series of transactions that formed the basis of the structuring convictions to which this petition pertains. Specifically, between November 7,1991 and November 27,1991, Peck made twelve separate cash deposits each in the amount of $7,500 and two cash deposits each in the amount of $5,000 into an account maintained by his father at the Society for Savings. He made three of the deposits on November 7, each at a separate branch. He also attempted to make a fourth deposit on that day at yet another branch, but declined to do so when he was informed that the bank would have to file a Currency Transaction Report (“CTR”).3 [1222]*1222(The Society filed CTRs with respect to the second and third deposits in any event.) He made the remaining deposits at branches of the institution on separate days throughout the month.
In addition, on March 27, 1992, Peck opened a new checking account at the Northeast Savings Bank, where he had never banked previously, by depositing a $50,000 cheek from a former law associate. On March 30, Peck withdrew $6,500 by cashing a “starter check,” one of the initial series of checks that he received when opening the account. On March 31, he withdrew by starter cheek $6,000, on April 1, $6,000, and on April 2, $6,500. The bank filed CTRs concerning these withdrawals.
On April 3, Peck attempted to withdraw an additional $6,000 from his Northeast Savings account; withdrew $7,000 from an account that he maintained at the Bank of Boston by writing a counter check; and sought to withdraw $6,000, but withdrew $2,000, from an account he maintained at the Society for Savings (separate from his father’s account). On April 6, he attempted to withdraw $5,000 from the Bank of Boston account, but declined to do so when informed that a CTR would be filed due to his April 3 withdrawal. Instead, he withdrew $5,000 from his Society for Savings account.
Peck was then arrested and charged in a two-count indictment with structuring cash transactions in violation of 31 U.S.C. §§ 5324(3), 5313(a), and 5322(a), and 31 C.F.R. §§ 103.22 and 103.53; the two counts relate to the November transactions and the March — April transactions, respectively.4
At Peck’s trial, the government introduced evidence of the foregoing, and to establish that Peck was aware of the institutions’ cash reporting requirements. In the latter regard, evidence demonstrated that cash deposits that Peck had made for himself or his clients had resulted in the filing of numerous CTRs over several years. Moreover, one bank teller recalled explaining the CTR requirement to Peck when Peck engaged in a cash transaction in excess of $10,000 in 1990.
Peck testified in his defense that he believed that the bank reporting requirements applied to transactions of less than $10,000, and therefore thought that the banks were filing CTRs for the transactions supporting his indictment. At the conclusion of Peck’s direct examination, the following exchange occurred:
Q. ... Did you ever intend to structure your banking transactions in order to [1223]*1223evade the requirements of these currency transaction reports?
A. No, I had no idea that there was ever such a thing as structuring, absolutely no awareness that there was a, such a criminal charge in my life.
Peck denied engaging in these transactions for the purpose of hiding assets from the Internal Revenue Service, although he admitted that he transferred his interest in his house to his wife and encumbered it with large mortgages to his father and sister in 1991. He claimed that these actions related principally to a civil lawsuit pending against him, although he admitted that he was motivated in part by his tax difficulties.
Peck also sought to explain the reasons for the cash transactions. With respect to the $100,000 deposited to his father’s account at the Society for Savings in November 1991, Peek claimed that he was repaying a loan that his father had made to him when he was unable to pay money owed to a law firm that was entitled to share a fee. However, as he conceded, there were no records of this loan, and his father had written a check to him for $100,000 dated November 12, 1991 and posted as paid on November 19, 1991 — after more than half of Peck’s cash had been deposited at the Society for Savings in purported repayment of the $100,000. Peek claimed that he did not need to deposit the check until the money he owed was due, and that he began repaying the debt at his earliest convenience.
Peck also explained that the three cash transactions that he made on November 7 were coincidental to his other errands; each time, he went home to pick up cash and would deposit the cash at a branch near wherever he had to be for other reasons. He claimed that he declined to make the fourth transaction on that day after being told that a CTR would be filed because he was in too much of a hurry. This was also the explanation for his refusal to engage in another transaction after being informed that a CTR would have to be filed.
With respect to the March and April 1992 transactions, Peek testified that he opened the new account at Northeast Savings Bank, the bank on which the $50,000 check that he deposited was drawn, because the payor’s account had insufficient funds to cover the $50,000 check on that day, and Peek believed that it would facilitate matters to deposit the check at the same bank. He explained that he withdrew the money in increments to save time, since withdrawing larger amounts would require the tellers to obtain authorization from their supervisors.
In addition, Peek testified that he found cash transactions in large denominations more convenient than utilizing checks, and that for years he had paid most of his expenses, including salaries, alimony, tuition, and his mortgage, in cash, partly due to a distrust of banks. He also testified that, having been robbed in the past, he carried no more than $7,500 in cash for reasons of safety.
Peck also explained the circumstances of his conviction for income tax evasion, and conceded that on both a loan application and a (bogus, never filed) tax return that he had provided to a bank, he had depicted his income as enormously higher than he had reported it on the tax returns that he actually filed with the Internal Revenue Service. Finally, Peek testified that he had not practiced banking law, handled a federal case, or provided advice regarding federal taxation.
Over Peck’s objection, the district court charged the jury with respect to intent and willfulness as follows:
In order to prove that the defendant had the intent to evade the reporting requirements, the government must prove beyond a reasonable doubt that the defendant knew of the existence of those reporting requirements^] [s]ince a person cannot have a specific intent to evade a requirement which he knows nothing about[.] [T]hus in order to find the defendant guilty you must find that the government has proved beyond a reasonable doubt, first, that the defendant knew of the reporting requirements of Section 5313(a), and second, that he acted for the specific purpose of evading those reporting requirements.
The word willfully has been used so let me try and define that for you. An act or [1224]*1224a failure to act is willfully done if done voluntarily and intentionally and with the specific intent to do something that the law forbids or with a specific intent to fail to do something that the law requires to be done. That is to say, with bad purpose, either to disobey or to disregard the law.
With respect to the offenses charged in this case, the requirement that the defendant acted with a bad purpose is satisfied by proof that he knew that the bank was legally obligated to report currency transactions exceeding $10,000 and that he intended to deprive the government of information to which it is entitled. The defendant’s conduct is not willful if you find that he acted because of negligence, inadvertence, accident or due to his good faith misunderstanding of the requirements of the law.
The court declined to charge that the government must prove that Peck knew that structuring was a crime, as Peck requested, because this court had twice upheld the intent instruction as it was charged. See United States v. Caming, 968 F.2d 232, 238-41 (2d Cir.), cert. denied, 506 U.S. 956, 113 S.Ct. 416, 121 L.Ed.2d 339 (1992); United States v. Scanio, 900 F.2d 485, 487-92 (2d Cir.1990).
The jury rendered a verdict of guilty on January 12, 1993, and the district court sentenced Peck to a prison term of twenty-four months, to be served concurrently with his sentence relating to the convictions for tax violations, on February 26, 1993. Judgment was entered on that day, and Peck did not appeal.
On April 26, 1993, the United States Supreme Court granted the petition for a writ of certiorari in Ratzlaf v. United States, 507 U.S. 1050, 113 S.Ct. 1942, 123 L.Ed.2d 648 (1993), and on January 11, 1994, the Court held that the word “willfully” in 31 U.S.C. § 5322(a) requires that the government prove in a prosecution for structuring cash transactions that the defendant knew that structuring is unlawful. Ratzlaf v. United States, — U.S. -, 114 S.Ct. 655, 663, 126 L.Ed.2d 615 (1994).
On April 15, 1994, Peck filed a petition for a writ of habeas corpus pursuant to 28 U.S.C. § 2255, claiming that his conviction should be vacated in light of Ratzlaf. The district court denied the petition on the ground that because Peck testified in his own defense and the jury rejected his testimony, and because Peck is a lawyer to whom the jury would have attributed the knowledge that structuring is illegal, Peck would have been convicted even if the jury had been charged in accordance with Ratzlaf, and thus no “fundamental unfairness” had occurred in convicting him of illegal structuring.
This appeal followed.5
Discussion
As a preliminary matter, we reject the government’s argument that habeas relief is not available because Ratzlaf may not be applied retroactively. While we have cautioned that habeas relief “is available under section 2255 only for a constitutional error, a lack of jurisdiction in the sentencing court, or an error of law that constitutes ‘ “a fundamental defect which inherently results in a complete miscarriage of justice,” ’ ” Hardy v. United States, 878 F.2d 94, 97 (2d Cir.1989) (quoting United States v. Addonizio, 442 U.S. 178, 185, 99 S.Ct. 2235, 2240, 60 L.Ed.2d 805 (1979) (quoting Hill v. United States, 368 U.S. 424, 428, 82 S.Ct. 468, 471, 7 L.Ed.2d 417 (1962))), a change in the law that results in a conviction “for conduct that is not illegal ... [is] a matter of fundamental importance.” Ianniello v. United States, 10 F.3d 59, 63 (2d Cir.1993). Thus, when a case “redefine[s] the substance of a ... violation ... [and] place[s] conduct beyond the reach of punishment,” collateral review is available. Id.; cf. United States v. Loschiavo, 531 F.2d 659, 666 (2d Cir.1976) (noting “due process consider[1225]*1225ations” involved in “keeping [petitioner] branded with the conviction and prison sentence for a federal offense, in spite of [an intervening decision's] declaration that he was convicted for a non-existent federal, offense”).
Nevertheless, Peck did not pursue his contention of instructional error on direct appeal. Therefore, in order to obtain habeas relief, Peck must demonstrate cause excusing his failure to do so and actual prejudice resulting from the error. See United States v. Frady, 456 U.S. 152, 167-68, 102 S.Ct. 1584, 1594, 71 L.Ed.2d 816 (1982); Campino v. United States, 968 F.2d 187, 190 (2d Cir.1992).6 We address these requirements in turn.
A. Cause.
At the time that Peck’s conviction was entered on February 26, 1998, this court had issued two opinions rejecting the argument that to prove a “willful[]” violation as required by § 5322(a), see supra note 4, the prosecution must prove that the defendant knew that structuring is illegal. In the first, we extensively reviewed the history of the statute to ascertain Congress’ intended meaning of the word “willfully” in § 5322(a). Scanio, 900 F.2d at 487-92. We concluded that because a defendant in a § 5322(a) prosecution is “not prosecuted for having failed to comply with an obscure reporting requirement ... [, but is] charged with having intentionally structured a currency transaction with the explicit purpose of evading what he knew to be the bank’s legal duty to file CTRs for all transactions exceeding $10,000,” id. at 490, “[o]ur view that a criminal violation of § 5324(8) may be established without proof that the defendant knew that structuring is unlawful effectuates Congress’s clear intent as is shown by the legislative history surrounding the anti-structuring provision.” Id. at 491.
Two years later, we reaffirmed that holding, describing Scanio as “a detailed opinion that carefully and convincingly addressed the issue,” Caming, 968 F.2d at 239, and noting that “at least four other circuits have agreed with and followed that decision.” Id. (collecting cases). We also thoroughly considered and rejected the argument that an intervening Supreme Court decision, Cheek v. United States, 498 U.S. 192, 111 S.Ct. 604, 112 L.Ed.2d 617 (1991), had undermined our holding in Scanio. Caming, 968 F.2d at 240-41.
Accordingly, it is clear that a request that we reconsider Scanio and Caming would have been frivolous; Peck’s counsel appropriately elected to forgo wasting the time and resources of this court by appealing on the instructional issue. The government points out, however, that after Peck was convicted, but well before he was sentenced, the First Circuit ruled in bane that the plain meaning of “willfully” in § 5322(a), as well as the structure of the statute, established that “an unintentional, nonreckless mistake of law is a complete defense to a structuring charge.” United States v. Aversa, 984 F.2d 493, 500 (1st Cir.1993) (in banc), vacated for further consideration in light of Ratzlaf sub nom. Donovan v. United States, 114 S.Ct. 873, 127 L.Ed.2d 70 (1994). The government contends that Peck should have brought this contrary authority to our attention via a direct appeal.
We disagree. While a defendant may bring contrary authority from other circuits to our attention, either in the hope that we will reconsider our position or simply as a [1226]*1226necessary intermediate step to seeking review by the Supreme Court, once this court has definitively ruled upon an issue, subsequent appeals are not required to preserve habeas relief. See, e.g., Ingber v. Enzor, 841 F.2d 450, 454-55 (2d Cir.1988); Loschiavo, 531 F.2d at 665-67; United States v. Liguori, 438 F.2d 663, 665 (2d Cir.1971).
The government also invokes Napoli v. United States, 32 F.3d 31 (2d Cir.1994), cert. denied, — U.S. -, 115 S.Ct. 900, 130 L.Ed.2d 784 (1995), rehearing granted, factual inaccuracies corrected, and original determination confirmed, 45 F.3d 680 (2d Cir.1995). In that case, the petitioners sought to have their RICO convictions vacated on the ground that the Supreme Court’s intervening decision in Reves v. Ernst & Young, 507 U.S. 170, 113 S.Ct. 1163, 122 L.Ed.2d 525 (1993), had rendered the jury charge (which was consistent with Second Circuit precedent) erroneous. We held that the petitioners could not demonstrate cause for failing to raise the issue on appeal. However, the Supreme Court had granted certiorari in Reves over two months prior to the argument of the defendants’ appeal before this court in Napo-li, and we based our ruling largely upon that fact. See Napoli 32 F.3d at 37 (petitioners “could have brought to this Court’s attention [on direct appeal] that other circuits disagreed with our analysis ... and that the Supreme Court had. granted certiorari in Reves to resolve the split among the circuits”).
We believe it appropriate to establish a bright line rale that will not “encourage appeals] of ... well-settled points of law.” Ingber, 841 F.2d at 454. The rule that emerges from our prior decisions, and that we adopt today, is that a § 2255 habeas petition will not be denied for lack of cause to excuse a failure to pursue a direct appeal if this court has previously resolved the disputed issue unless the Supreme Court has agreed to review that issue prior to the date on which an appeal must be filed. Moreover, we read Napoli as establishing that a failure to raise a previously decided issue on appeal should not preclude subsequent collateral relief unless the Supreme Court agrees to review the issue prior to the resolution of the appeal to this court.
B. Prejudice.
As Peck stresses, there has been considerable litigation in which, on direct appeal, structuring convictions have been challenged on the basis of pr e-Ratzlaf instructions. Generally, no objection was taken at trial (pre-Ratzlaf) to the instruction that is challenged on appeal (post-Ratzlaf), so the plain error standard of Fed.R.Crim.P. 52(b) governs. As the Supreme Court explained in United States v. Olano, 507 U.S. 725, 113 S.Ct. 1770, 123 L.Ed.2d 508 (1993), a conviction may be reversed for plain error only when there is “error” in the sense of deviation from an applicable legal rule, id. at 732-34, 113 S.Ct. at 1777; the error is “plain” in the sense that it is “clear” or “obvious,” id.; the error “affec[ts] substantial rights” in the sense that “in most cases it ... must have been prejudicial: It must have affected the outcome of the district court proceedings,” id., 507 U.S. at 734, 113 S.Ct. at 1777-78; and the error “‘seriously a£fect[s] the fairness, integrity, or public reputation of judicial proceedings.’ ” Id. at 736, 113 S.Ct. at 1779 (quoting United States v. Atkinson, 297 U.S. 157, 160, 56 S.Ct. 391, 392, 80 L.Ed. 555 (1936)) (alteration in Olano).
Applying plain error analysis, most of the decided cases have vacated the disputed structuring convictions. See, e.g., United States v. Hove, 52 F.3d 233, 235-36 (9th Cir.1995); United States v. Garza, 42 F.3d 251, 252-53 (5th Cir.1994), cert. denied, — U.S. -, 115 S.Ct. 2263, 132 L.Ed.2d 268 (1995); United States v. Bencs, 28 F.3d 555, 564 (6th Cir.1994), cert. denied, — U.S. -, 115 S.Ct. 915, 130 L.Ed.2d 796 (1995); United States v. Retos, 25 F.3d 1220, 1228-32 (3d Cir.1994); United States v. Jones, 21 F.3d 165, 172-73 (7th Cir.1994); United States v. Rogers, 18 F.3d 265, 267-68 (4th Cir.1994). United States v. Marder, 48 F.3d 564, 571-75 (1st Cir.), cert. denied, — U.S. -, 115 S.Ct. 1441, 131 L.Ed.2d 320 (1995), on the other hand, concluded that a faulty pr e-Ratzlaf instruction did not constitute plain error. And in United States v. Vazquez, 53 F.3d 1216, 1223 (11th Cir.1995); [1227]*1227United States v. Goulding, 26 F.3d 656, 668-69 (7th Cir.), cert. denied, — U.S. -, 115 S.Ct. 673, 130 L.Ed.2d 605 (1994); and United States v. Walker, 25 F.3d 540, 548 (7th Cir.), cert. denied, — U.S. -, -, 115 S.Ct. 371, 531, 130 L.Ed.2d 323, 434 (1994), pre-Ratzlaf instructions were nonetheless found to have satisfied Ratzlaf.7
In any event, plain error precedent does not squarely address the issue presented by this appeal. In Frady, the Supreme Court explicitly held that it is improper to determine a § 2255 appeal by the plain error standard, that the proper criterion for review is the “cause and actual prejudice” standard enunciated in prior Supreme Court decisions, and that accordingly, “to obtain collateral relief a prisoner must clear a significantly higher hurdle than would exist on direct appeal.” 456 U.S. at 166-67, 102 S.Ct. at 1593-94.
Thus, to determine whether an erroneous jury instruction resulted in actual prejudice, we must evaluate the error “in the total context of the events at trial” to ascertain “whether the ailing instruction by itself so infected the entire trial that the resulting conviction violates due process.” Id. at 169, 102 S.Ct. at 1595 (internal quotations and citations omitted). Peck “must shoulder the burden of showing, not merely that the errors at his trial created a 'possibility of prejudice, but that they worked to his actual and substantial disadvantage, infecting his entire trial with error of constitutional dimensions.” Id. at 170,102 S.Ct. at 1595.
In Frady itself, the omission of a subsequently mandated instruction concerning malice was not deemed to warrant habeas relief because “the strong uncontradicted evidence of malice in the record, coupled with Frady’s utter failure to come forward with a colorable claim that he acted without malice, disposes of [Frady’s] contention that he suffered such actual prejudice that reversal of his conviction ... could be justified.” Id. at 172, 102 S.Ct. at 1596. The court also noted that a rational jury that concluded — as Fra-dy’s did — that Frady’s crime was “deliberate and premeditated” could not have found an absence of malice. Id. at 174, 102 S.Ct. at 1597; The jury’s findings thus supplied the missing element.
Similarly, in Ianniello, we denied § 2255 relief when the law was subsequently defined to require relatedness among predicate acts to sustain a RICO conviction, but “the evidence demonstrate^ beyond a reasonable doubt the missing element in the jury instruction; the relatedness among Ianniello’s predicate acts.” 10 F.3d at 63. The Ianniel-lo jury concluded that Ianniello had committed 44 predicate acts that we considered “densely related.” Id. We accordingly held that “[n]o rational jury could have found that Ianniello committed this panoply of predicate acts without concluding that the acts were interrelated.” Id.
Frady and Ianniello thus establish that a subsequent redefinition to add a new element to a crime will not result in “actual prejudice,” despite a jury instruction that omitted reference to the new element, if it is clear that the jury’s findings resolved in the government’s favor the issue that would have been posed by a jury instruction that incorporated the new element. If this determination cannot be made, on the other hand, it is inappropriate to deny relief because, in the opinion of a reviewing court, the jury would have returned a conviction if it had considered the redefined crime at the time of trial. “The Sixth Amendment requires more than appellate speculation about a hypothetical jury’s action, or else directed verdicts for the [1228]*1228State would be sustainable on appeal; it requires an actual jury finding of guilt.” Sullivan v. Louisiana, 508 U.S. 275, -, 113 S.Ct. 2078, 2082, 124 L.Ed.2d 182 (1993).
We turn to the record presented on this appeal, which presents a close case for resolution of the “actual prejudice” issue. The jury rejected Peck’s testimony that he believed that the bank reporting requirements applied to transactions of less than $10,000, and therefore thought that the banks were filing CTRs for all of the transactions supporting his indictment. They further rejected his claim that he did not intend to evade the CTR reporting requirements. This rejection was solidly grounded in a disbelief of Peck’s testimony, which oscillated between the implausible and the preposterous.
For example, Peck’s claim that he was repaying an entirely undocumented loan to his father, even though he repaid more than half of the loan before he received it, is hardly credible. Indeed, the contrary conclusion that Peck was attempting to hide his assets from the Internal Revenue Service is buttressed by his admission that he transferred his interest in his house to his wife and encumbered it with large mortgages to his father and sister in 1991 in part because of the indictment stemming from his failure to pay income taxes.
Even more implausible is his explanation that he made three very substantial cash deposits on November 7, 1991 by returning home to pick up cash and going to branches convenient to other errands. Peck’s claim that he refused to make deposits or withdrawals when he knew that a CTR would be filed because he did not wish to wait is similarly unimpressive, in light of the time that he spent on so many days engaging in cash transactions at so many bank branches.
Peck’s credibility was further tarnished by the evidence concerning the gross misstatements of income that Peck made on his tax returns, and by their enormous variance from the income he reported on a loan application and a bogus tax return that he submitted to a bank. In short, the record is clear that Peck lied to the government to avoid paying the taxes that he owed, and engineered a complex scheme involving multiple structuring violations to hide his assets when his tax evasion was discovered. The jury could hardly have avoided concluding, on this record, that Peck knew about the CTR reporting requirements and undertook to structure cash transactions so as to evade them.
Further, the pivotal answer in Peck’s testimony conjoined his denial that he structured the deposits with his denial that he knew that structuring was a crime. In answering the question whether he “intendfed] to structure [his] banking transactions in order to evade the [CTR] requirements,” Peek stated: “No, I had no idea that there was ever such a thing as structuring, absolutely no awareness that there was a, such a criminal charge in my life [emphasis added].”
The jury’s evident and well founded disbelief of Peck’s testimony, coupled with an imputed jury view that lawyers know all the law there is to know, led the district court to conclude that Peek had not made a case for § 2255 relief because “the result would [not] have been any different” if a Ratzlaf instruction had been given. Although the issue is close, we cannot affirm this ruling because it gives the right answer to the wrong question. The issue is not whether a jury presented with the Ratzlaf question would have convicted Peek, but rather whether the jury that tried him substantially answered the Ratzlaf question adversely to him in the course of its actual deliberations.
Unlike the determination in Frady and Ianniello, there is no necessary connection between the essential finding made in this case by the jury (that Peek knew about the CTR filing requirement and acted to evade it) and the essential finding required by Ratzlaf (Peck’s knowledge that such evasion is a crime). Thus, because the Ratzlaf question was never put to the jury, and the jury made no finding from which an answer to the Ratzlaf question conclusively follows, we are left only with the conjecture that the jury surely would have answered the Ratzlaf question adversely to Peck if it had been put to them.8
[1229]*1229We conclude that the instructional error at Peek’s trial, unavoidable as it was in the light of governing Second Circuit precedent, nonetheless “worked to [Peck’s] actual and substantial disadvantage, infecting his entire trial with error of constitutional dimensions,” Frady 456 U.S. at 170, 102 S.Ct. at 1595, by depriving him of a jury ruling on an essential element of the crimes with which he was charged. His structuring convictions must therefore be reversed.
Conclusion
Insofar as it failed to vacate Peck’s structuring convictions, see supra note 1, the judgment of the district court is reversed.