BOWMAN, Circuit Judge.
John A. Kroh, Jr. was convicted by a jury in District Court1 of thirteen bank fraud charges: one count of conspiracy to submit false statements to federally insured banks, 18 U.S.C. § 371 (1988); three counts of making false statements to federally insured banks, 18 U.S.C. § 1014 (1988); four counts of causing interstate wire transmissions of money fraudulently obtained, 18 U.S.C. § 1343; four counts of interstate transportation of money in execution of a scheme to defraud, 18 U.S.C. § 2314 (1988); and one count of receiving and possessing money that had crossed state lines after having been unlawfully taken, 18 U.S.C. § 2315 (1988). Kroh was sentenced to concurrent maximum sentences on all counts, the longest of which was ten years. He appealed the convic[328]*328tions, asserting numerous grounds. A divided panel of this Court issued an opinion reversing all of Kroh’s thirteen convictions, having determined that the admission of evidence of George Kroh’s guilty plea was prejudicial error. United States v. Kroh, 896 F.2d 1524 (8th Cir.1990). The Court voted to grant the government’s petition for rehearing en banc, thereby vacating the panel opinion, and we now affirm the convictions.
We adopt the panel opinion’s detailed background statement of the facts of the case, 896 F.2d at 1526-28, with the exception of the statement concerning the practice of George Kroh’s personal secretary in signing the name of Carolyn Kroh, George’s wife, to personal guaranties: “Significantly, George Kroh’s secretary testified this practice was directed by Mondschein or other company personnel and that George Kroh was never involved.” 896 F.2d at 1528. In fact, the secretary testified that she signed Carolyn Kroh’s name to guaranties either at George Kroh’s direct request or because it was customary for her to do so. See 896 F.2d at 1539 n. 2 (dissenting opinion).
On appeal, Kroh challenges the following: (1) the application of 18 U.S.C. §§ 2314 and 2315 to his activities; (2) the admission of evidence of the guilty plea of George Kroh, John’s brother; (3) the admission of evidence of an uncharged check kite; (4) the alleged constructive amendment of the indictment because of the variance between the indictment and the proof; (5) an alleged erroneous instruction; and (6) the sufficiency of the evidence on all counts. The panel found issue (1) to be without merit. We adopt the panel’s reasoning, 896 F.2d at 1528-29, and reject that argument as well. We also adopt the panel’s reasoning confirming the sufficiency of the evidence on all of the twelve substantive counts. 896 F.2d at 1526, 1529-30. We decline to accept the panel’s opinion as to issue (2) and issue (6), to the extent the opinion rejects the sufficiency of the evidence of conspiracy, and we examine issues (3), (4), and (5) for the first time here.
Having disposed of the first issue, we turn to Kroh’s claim that evidence of his brother’s guilty plea was improperly received. On April 13, 1988, before John Kroh’s September 1988 trial, George Kroh appeared before Judge Scott 0. Wright in the United States District Court for the Western District of Missouri. He entered a guilty plea to bank fraud charges then pending against him in the Western District of Missouri and the District of Kansas, among which was a charge that he conspired with his brother John to defraud banks. John Kroh’s defense counsel filed a pretrial motion in limine to suppress references to George Kroh’s plea agreement and resulting convictions during John’s trial. At the hearing on this motion, the prosecutor told the district judge he intended to question George Kroh on direct examination about George’s plea agreement with the government and his convictions, but stated that the written plea agreement would not be offered as evidence. The district judge said he would not allow the written agreement into evidence, nor would he allow the prosecutor to read from it. The judge did indicate that he would permit questioning of George Kroh concerning his convictions and the plea agreement, and further questioning by the government if the defense opened the issue on cross-examination. Transcript Vol. I at 9-10.
It is important initially to set forth in full the only references during the trial to George Kroh’s guilty plea. Such elaboration in context will demonstrate that the plea was not presented in an inflammatory way and was not unduly emphasized, and will provide the basis for properly applying the law to the facts of this case.
During the government’s opening statement, the prosecutor told the jury:
George Kroh will testify, Jack’s brother. George Kroh will come in here and tell you first of all, he will tell you that he has pleaded guilty to several charges involving banks, that he has pleaded guilty in connection with a plea bargain with me; and he will lay that out for you.
Transcript Vol. II at 78.
The prosecutor’s statement did not mention that George Kroh was charged with or [329]*329pleaded guilty to conspiracy with his brother or anyone else. There was no objection by the defense.
During the government’s direct examination of George Kroh, the government first established the witness’s identity and his relationship to John Kroh and to Kroh Brothers Development Company (KBDC). The following exchange then took place:
Q: (by the government): All right, sir. And now, Mr. Kroh, you are appearing today as a result of a plea agreement with the United States, correct?
A: (by George Kroh): Yes, sir.
Q: And can you tell the members of the jury when it was that that plea bargain arrangement was reached, if you can recall?
A: Last spring sometime.
Q: Okay. And just to summarize it, if I may for you, and correct me if any of this is incorrect, but just summarizing that, that has been reduced to a pleading, correct?
A: That is correct.
Q: The agreement between you and the United States is in essence as follows, is it not. Your part of the agreement is that you came into Federal Court and pled guilty to three felony counts of bank fraud, correct?
[Defense objected. Bench conference at which defense counsel explained that he wanted to be certain the government did not go into George’s agreement to tell the truth. If so, he would object. The prosecutor assured the judge he intended to stay within the limits delineated at the hearing on the motion in limine. The proceedings returned to open court.]
Q: Just so that we are back on track here. Mr. Kroh, the agreement is essentially that you came into Federal Court here and pled guilty to three counts of false statements to banks; isn’t that essentially it?
A: Yes, sir.
Q: And one of those counts involved, I think, a conspiracy count, correct?
A: That is correct.
Q: And you did that and you also told the United States that you would cooperate with the Government in furtherance of its investigation in this matter, correct?
A: That’s correct.
Q: And that cooperation included testifying before a federal grand jury, correct?
A: Yes, sir.
Q: And also testifying here?
A: Yes, sir.
Q: Okay. Now, in exchange for that, the United States has told you, first of all, that whatever cooperation you lend to it, it would tell the sentencing judge at the time of sentencing, correct?
A: That is correct.
Q: And it further told you that there would be a five-year cap or a lid on any sentence to be imposed in your case; isn't that true?
A: That is correct.
Q: Now, does that fairly summarize what the agreement was between you and the United States?
A: Yes, it does.
Q: All right. Did you, in fact, plead guilty to those charges?
A: I did.
Q: Were you sentenced?
A: Yes, sir.
Q: Can you tell us what your initial sentence was?
A: Two three-year sentences, running concurrently.
Q: Okay. And that was imposed by Chief Judge Wright of this district?
A: That is correct.
Q: Was that sentence subsequently reduced?
A: Yes, sir.
Q: And can you tell us — did you actually go off and do time?
A: Yes, I did.
Q: Was it reduced to what, sir?
A: Sixty days.
Q: Was there anything else provided as a reduction of that sentence?
A: Five years probation.
[330]*330Q: And any other caveats to that sentence?
A: Yes. A restitution to the two banks. Q: Which banks are those, Mr. Kroh? A: Norbank and Kansas National.
Q: You are also appearing today in relationship to an immunity agreement that the United States has gotten and you have been provided with, correct? A: That is correct.
Q: And essentially that immunity agreement is that whatever you say we can’t turn around and use against you, right?
A: That’s correct.
Q: In other words, your Fifth Amendment right is no longer applicable in this case?
A: Yes, sir.
Transcript Vol. V at 780-84.
The conspiracy charge was mentioned specifically only once and, in fact, a plea of guilty to conspiracy with John Kroh was never mentioned in this exchange. The reference was quite obviously in the context of setting out the entire agreement, and was not emphasized.
George Kroh’s testimony was preceded by this limiting instruction, which also was read without material alteration as Instruction 22 at the close of all the evidence:
Ladies and gentlemen of the jury, before we begin the testimony of this witness, I have an additional instruction to read to you. You are going to hear evidence from the witness, George P. Kroh, who you will hear evidence that he has made a plea agreement with the Government. You may give his testimony such weight as you think it deserves. Whether or not his testimony may have been influenced by the plea agreement is for you to determine.
The witness’ guilty plea cannot be considered by you as evidence of this defendant’s guilt. The witness’ guilty plea can be considered by you only for the purpose of determining how much, if at all, to rely upon the witness’ testimony.
Transcript Vol. V at 776-77; see also Vol. VII at 1269.
Finally, the government explored George Kroh’s guilty plea further on redirect examination. This was invited by the following testimony on cross-examination:
Q: (by defense counsel): Is it also correct to say that you never agreed with Jack to make a false statement on a balance sheet?
A: (by George Kroh): Do you mean like we sat down together and agreed?
Q: Right.
A: I would say that’s — we didn’t sit down and write something up, no.
Q: Nor did he come to you and say, “Jack [sic], I am going to file a false financial statement on your behalf”?
A: No.
Q: And you had no knowledge of him having done so until after the fact?
A: That’s correct.
Q: You and Jack never agreed to defraud any bank, did you?
A: Again, we didn’t sit down and draw up an agreement and sign some agreement that we were going out to defraud banks, no, sir.
Transcript Vol. V at 875-76.
On redirect, the prosecutor and witness had this exchange:
Q: (by the government): Mr. Kroh, you were asked some questions about do you agree with your brother to submit false financial statements to banks. I understand that you responded you didn’t sit down and draw up an agreement with them. But isn’t it true, Mr. Kroh, that you came in here to Federal Court and pled guilty to that charge?
A: (by George Kroh): Yes, sir. [Defense counsel objected. Bench conference. Objection overruled.]
Q: Mr. Kroh, you came in here to Federal Court and appeared before Chief Judge Scott 0. Wright, correct?
A: That’s correct.
Q: And at that time you were placed under oath, correct?
A: Yes, sir.
Q: And at that time you tendered a guilty plea to conspiring with your [331]*331brother over here to submit false statements to banks, right?
A: That’s correct.
Q: And—
[Objection renewed. Bench conference and motion for mistrial. Denied.]
Transcript Vol. V at 878-82.
That was the full extent of the discussion of George Kroh’s guilty plea on redirect examination. It never was mentioned again, either in closing argument or otherwise. There are no other references to George Kroh’s plea agreement or his convictions anywhere in the evidence the jury heard during the six days of trial.
“The trial court has broad discretion in determining what evidence can be admitted, and its decision will be overturned on appeal only if there was an abuse of discretion.” Rothgeb v. United States, 789 F.2d 647, 650 (8th Cir.1986). The discretion accorded lower courts in determining admissibility of evidence “is particularly broad in a conspiracy trial.” United States v. Davis, 882 F.2d 1334, 1343 (8th Cir.1989), cert. denied, — U.S. -, 110 S.Ct. 1472, 108 L.Ed.2d 610 (1990). The District Court stayed well within its discretion in allowing the government to question George Kroh on direct and redirect examination about his plea agreement and convictions.
In the Eighth Circuit, the law is clear that “a confederate’s guilty plea is admissible, even on the Government’s direct examination of the witness, as evidence of the witness’ [sic] credibility, or of his acknowledgment of participation in the offense.” United States v. Hutchings, 751 F.2d 230, 237 (8th Cir.1984) (emphasis added) (witness testified on direct examination about his plea of guilty to aiding and abetting defendant in crime with which defendant was charged), cert. denied, 474 U.S. 829, 106 S.Ct. 92, 88 L.Ed.2d 75 (1985). The witness’s plea or evidence thereof, however, “cannot be used as substantive evidence of the defendant’s guilt,” and the jury should be so instructed. Id.; see also United States v. Drews, 877 F.2d 10, 12 (8th Cir.1989) (no abuse of discretion in receiving witness-coconspirators’ written plea agreements into evidence when jurors were instructed that pleas were not evidence of substantive guilt of defendant but only went to credibility of witnesses, and government did not indicate “it had independently verified the witnesses’ testimony”); United States v. Braidlow, 806 F.2d 781, 783 (8th Cir.1986) (no error in admitting evidence of guilty pleas of confederates on direct examination when the evidence was not used as substantive evidence of defendant’s guilt, cautionary instructions were given, and evidence was not emphasized).
The evidence of George Kroh’s guilty plea brought out on direct examination clearly was admissible under the law of this Circuit. The written plea agreement was not offered in evidence, nor was any part of the text read to the jury. The government focused only on the fact of the guilty plea and the quid pro quo involved in George’s agreement with the government. The prosecutor did not even mention that the conspiracy to which George Kroh pleaded guilty was a conspiracy with John Kroh and, in any event, the District Court instructed the jury twice that evidence of George’s plea was not to be interpreted as evidence of John’s guilt, but was to be used only in determining the weight to be given to George’s testimony. The charges to which George pleaded guilty played only a small part in his direct examination and certainly were not emphasized by the government. Neither the guilty plea nor the agreement was mentioned in the prosecutor’s closing argument; the government relied on neither for its proof of John’s participation in a conspiracy. The District Court plainly did not abuse its discretion in allowing this direct testimony.2
There remains the question whether the guilty plea was emphasized to John Kroh’s prejudice on the government’s redirect examination of George Kroh. It is [332]*332clear from the record that on redirect the government properly used George Kroh’s guilty plea for impeachment purposes. On cross-examination, the defense asked George if he had agreed with John to defraud banks. George’s denial, though equivocal, opened the door for the government to impeach that testimony. “The trial court does not abuse its discretion by allowing the use of evidence on redirect examination to clarify an issue that was opened up by the defense on cross-examination—even when this evidence would otherwise be inadmissible.” Braidlow, 806 F.2d at 783. On cross-examination, George Kroh testified “no agreement,” but his guilty plea was to the contrary. The guilty plea already had been mentioned in another context, was clearly probative of the credibility of George’s testimony denying that he had agreed with John to defraud banks, and was not unfairly prejudicial. It is also a reiterated “acknowledgment of participation in the offense,” which participation George was attempting to deny. Hutchings, 751 F.2d at 237. In these circumstances, it was proper for the government to ask George Kroh on redirect examination whether he had pleaded guilty to conspiracy with his brother to submit false statements to banks. Defense counsel opened up this line of questioning and the government was entitled to pursue it to show that George had been less than candid in his answers on cross-examination.
John Kroh argues that, because there was no other evidence of his participation in a conspiracy with George, the jury must have disregarded the District Court’s limiting instructions and used George’s guilty plea as evidence of John’s guilt. A review of the transcript demonstrates, however, that there is substantial evidence of John Kroh’s participation in a conspiracy with George Kroh to defraud banks. While much of the evidence is circumstantial, “[t]he independent evidence showing a conspiracy may be direct or totally circumstantial.” United States v. Jankowski, 713 F.2d 394, 396 (8th Cir.1983), cert. denied, 464 U.S. 1051, 104 S.Ct. 732, 79 L.Ed.2d 192 (1984).
It is the well-established rule in this Court that, in our review of a criminal conviction, the evidence must be viewed in the light most favorable to sustaining the jury verdict, giving the government the benefit of all reasonable inferences that may be drawn. United States v. Marin-Cifuentes, 866 F.2d 988, 992 (8th Cir.1989).
The former personal secretaries of John and George Kroh, and George Kroh himself, all testified that the liability figures on the brothers’ personal financial statements were supplied by John Kroh. Evidence from several witnesses demonstrates that those liabilities were significantly understated. The individual false financial statements were signed by John and George Kroh and sent to the defrauded banks to obtain personal loans.
In May 1986, John Kroh represented to Southwest Bank of Omaha that he wanted a total of half a million dollars in personal loans for himself and his brother for a “personal investment” with a New York investment firm. Southwest, upon reviewing the false personal financial statements, approved the loans and, after John and George Kroh signed promissory notes, wired the funds to the brothers’ personal accounts. John and George promptly signed personal checks transferring the money into a KBDC account.
In October 1986, on John’s representation that the funds were to be used for personal investments in the Hall Farms project, the Krohs applied for a combined one million dollars in personal loans from Norbank of North Kansas City. After receiving and reviewing the false personal financial statements signed by John and George Kroh, the bank approved the loans. Norbank also required personal guaranties of the brothers’ wives, but the guaranties furnished to the bank upon which it relied were in fact signed by the brothers’ secretaries and not their wives. After signing the promissory notes, John and George Kroh received and deposited in their personal accounts the money orders for the loans and immediately signed checks for the loan amounts made payable to KBDC, which by now, it was clear to all on the [333]*333inside, was having very serious cash-flow problems.
Finally, again upon the representation that the funds were for personal investment in Hall Farms, the brothers submitted false personal financial statements and consequently acquired personal loans totalling $800,000 from Firstate Savings & Loan of Orlando in November 1986. They immediately transferred the proceeds of these personal loans into the sinking ship that KBDC had become.
It is obvious from the evidence that John Kroh, in a desperate scheme to keep KBDC afloat, was knowingly defrauding banks and that George Kroh was actively participating in the fraudulent scheme. As for the conspiracy, that is, George Kroh’s knowing involvement in the unlawful activity, his own testimony is particularly damning.
On direct examination:
Q: (by the government): When did it. become apparent to you that Kroh Brothers Development Company was in financial trouble in 1986?
A: (by George Kroh): In August. That was the first time.
Q: Why is that? Why did it hit you in August?
A: There were some problems paying the bills.
* * * * * - *
[Discussing George Kroh’s personal financial statement that was sent to Norbank.]
Q: In October of 1986, can you tell me whether or not the $3.3 million accurately reflected the total liabilities that you had?
A: I don’t believe it did.
Q: Can you tell me back then what you thought your liabilities were?
A: I thought they were about $5 million.
* * * * * s¡t
Q: Okay. And in connection with this financial statement that went to the Firstate Savings & Loan, can you tell me whether or not back in November of 1986, $3.3 million accurately reflected your bank liabilities?
A: No, it did not.
Q: Why do you say that, sir?
A: Well, I had more than that borrowed.
Q: Do you remember at that time how much you thought that you had owed to banks?
A: I thought it was around five, five and a half million.
Transcript Vol. V at 800, 822-23, 828.
On cross-examination:
Q: (by defense counsel): Do you believe that the — that if this, say the American Express and the institutional deals that you had working, if they had gone through, do you think that it would have made a difference in the ultimate outcome relative to Kroh Brothers?
A: (by George Kroh): It might have slowed it down a little bit, but I don’t think it would have made an ultimate decision of whether the company would have gone down or not.
Q: Do you think that that ultimately would have taken place in any event?
A: I am afraid so.
Q: All right. There was some kind of an inherent defect in the operation; is that what you are saying?
A: No, I think it was too late. You asked if these would happen — if a closing or two in December or November of ’86 would have helped out. I am saying I think it was too late at that point.
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Q: Would it be correct to say, Mr. Kroh, that you never knowingly signed a false financial statement?
A: I would say that's — well, up until the very end. I’d say up through — after Commerce Bank there might have been a question.
Q: There was a question?
A: After Commerce Bank I did.
Transcript Vol. V at 845-46, 874-75 (emphasis added).
[334]*334After the Commerce Bank check-kiting debacle3—the day after, in the case of Norbank—George and John Kroh each signed false financial statements omitting, among other liabilities, the personal guaranties for seven million dollars they just had given to Commerce, and used those false statements to procure loans (that they knowingly misrepresented as being for their personal use rather than their financially troubled company’s use) from two of the banks in question. While defense counsel attempted to cure George’s damaging testimony, it is, in fact, an admission of guilt that the jury could have credited.
Although it may be true that George was not involved in the negotiations for the loans or the preparation of the personal financial statements, he signed the financial statements knowing them to be false, signed promissory notes for personal loans, and then signed checks transferring the proceeds of the loans to KBDC, knowing full well that KBDC as an entity had lost its ability to borrow and that it was headed for financial disaster. “Secrecy and concealment are essential features of successful conspiracy.... Hence the law rightly gives room for allowing the conviction of those discovered upon showing sufficiently the essential nature of the plan and their connections with it, without requiring evidence of knowledge of all its details or of the participation of others.” Blumenthal v. United States, 332 U.S. 539, 557, 68 S.Ct. 248, 256, 92 L.Ed. 154 (1947) (footnote omitted).
It simply cannot be said that there is no evidence of a George-John conspiracy, as Kroh alleges. Only a minimum of evidence would be required to connect George and John in a conspiracy, and here there is substantial circumstantial evidence of a conspiracy between the brothers sufficient to convict John Kroh of the conspiracy charge. There is also George’s highly equivocal quasi-denial of his involvement in a conspiracy with John, supra at 330, from which the jury was entitled to draw its own inferences. Considering the strength of the evidence of a conspiracy between George and John, there is simply no reason to speculate, as John Kroh asks us to do, that the jury must have disregarded the District Court’s repeated instructions not to consider George’s guilty plea as evidence of John’s guilt. We hold that the other evidence, independent of George’s guilty plea, is sufficient to support John Kroh’s conspiracy conviction, and that the government’s references to George’s guilty plea, which we believe were proper, afford no basis for reversing this conviction.
Kroh argues that the evidence of George Kroh’s guilty plea “infected the fairness of Jack Kroh’s trial as to each count.” Appellant’s Brief at 38. But even assuming arguendo the validity of this argument as applied to the conspiracy count, we could not agree that the three fleeting and entirely proper references to George Kroh’s guilty plea, presented for the purpose of assisting the jury in its evaluation of George’s testimony and not as substantive evidence of John’s guilt, prejudiced John’s right to a fair trial on the remaining twelve counts. As the panel opinion acknowledged, there was sufficient evidence, viewed in the light most favorable to the government, to support Kroh’s convictions on all of those twelve counts. Kroh, 896 F.2d at 1526, 1529-30. Were the admission of George Kroh’s guilty plea reversible error as to the conspiracy count, and we hold that it was not, it would be harmless error at most as to the remaining counts, considering the overwhelming evidence of John Kroh’s guilt on these counts.
These counts were all based on specific, limited, and discrete factual charges such as the making of false statements to banks as to liabilities, as to his wife’s having signed guarantee documents, and as to the use of proceeds for personal investments rather than for KBDC; transmission of interstate wire communications in a scheme to defraud banks; and moving across state lines by wire transfers sums of money known to be taken by fraud. For the most part, the specific facts involved in these charges were not contested on appeal, with [335]*335the exception of intent and the claim that the government had failed to prove that Kroh stated that his wife had signed the Norbank guarantee. The specific and narrow facts in these counts in no way could have been affected by the references to George Kroh’s guilty plea, and John Kroh was not prejudiced thereby with respect to these counts. It is also significant that Kroh was sentenced to ten years on each of the four counts involving knowingly transporting across state lines money taken by fraud, whereas he received only a concurrent two-year sentence on the conspiracy count.
As mentioned at the outset of this opinion, Kroh also challenges the admission of evidence of the Commerce Bank check kite, see Kroh, 896 F.2d at 1527, as being of questionable relevance and unquestionable prejudice; and the alleged constructive amendment of the indictment because the proof did not match the charges. We have considered these arguments and find them to be without merit.
Finally, Kroh challenges five of the jury instructions, which directed that the jury “must” — instead of “may” — find Kroh guilty if it found the prosecution had proved all the statutory elements of the crimes charged. Kroh is on the record as challenging only one of those five instructions for that reason. Transcript Yol. YII at 1247-48. The objections now asserted as to the remaining four were not preserved for appeal, so we will review those instructions only for plain error. See United States v. Turner, 725 F.2d 1154, 1158 (8th Cir.1984).
We find that the instructions as given constitute no error of any kind. Kroh says the District Court should have used the suggestive “may” language he requested rather than the mandatory “must” language in the instructions, presumably to give the jury the option of nullifying the applicable statutes. Jurors take an oath wherein they assume a duty to apply the law of the case to the facts, and the jurors here also were so instructed. Transcript Vol. VII at 1254. “Although jurors may indeed have the power to ignore the law, their duty is to apply the law as interpreted by the court and they should be so instructed.” United States v. Krzyske, 836 F.2d 1013, 1021 (6th Cir.) (quoting United States v. Avery, 717 F.2d 1020, 1027 (6th Cir.1983), cert. denied, 466 U.S. 905, 104 S.Ct. 1683, 80 L.Ed.2d 157 (1984)), cert. denied, 488 U.S. 832, 109 S.Ct. 89, 102 L.Ed.2d 65 (1988); see also United States v. Drefke, 707 F.2d 978, 982 (8th Cir.) (“federal courts have uniformly recognized the right and duty of the judge to instruct the jury on the law and the jury’s obligation to apply the law to the facts”), cert. denied, 464 U.S. 942, 104 S.Ct. 359, 78 L.Ed.2d 321 (1983). Having reviewed the instructions as a whole, we are convinced the court properly advised the jurors in this case that the determination of John Kroh’s guilt was theirs alone, and that the instructions at issue did not usurp the jury’s role. See Instruction No. 26, Transcript Vol. VII at 1271 (“Your verdict must be based solely on the evidence and on the law which I have given you in my instructions. Nothing I have said or done is intended to suggest what your verdicts should be. That is entirely for you to decide.”).
The judgment of the District Court is affirmed.