                                In the

    United States Court of Appeals
                 For the Seventh Circuit
                     ____________________
Nos. 17-1580 and 17-1776
UNITED STATES OF AMERICA,
                                                    Plaintiff-Appellee,

                                  v.

TODD A. DYER,
                                                Defendant-Appellant.
                     ____________________

         Appeals from the United States District Court for the
                    Eastern District of Wisconsin.
             No. 15 CR 115 — J.P. Stadtmueller, Judge.
              No. 16 CR 100 — Pamela Pepper, Judge.
                     ____________________

      ARGUED APRIL 24, 2018 — DECIDED JUNE 13, 2018.
                ____________________

   Before BAUER, EASTERBROOK, and KANNE, Circuit Judges.
   PER CURIAM. Todd Dyer, the defendant in this consoli-
dated appeal, challenges the denials of his motions to with-
draw his guilty pleas. Under a written agreement, Dyer pled
guilty to wire fraud, 18 U.S.C. § 1343, and unlawful financial
transactions, 18 U.S.C. § 1957, for his conduct in two separate
fraud schemes. He now claims that the plea colloquy was in-
sufficient, in part because the district court did not adequately
2                                       Nos. 17-1580 & 17-1776

explore the potential effects of his bipolar disorder. We affirm
the judgments.
                         I. BACKGROUND
    Dyer originally faced three prosecutions for three
schemes, but the third was dismissed as part of his plea agree-
ments. In the first, “the Farmland case,” (Case No. 17-1580),
Dyer created several entities known collectively as American
Farmland Partners, ostensibly to form a real estate investment
trust. Using an alias to hide his past conviction for a different
scheme, Dyer solicited investments in person and through
websites, videos, and radio advertisements, avowing that the
business would buy and maintain profitable farmland, sell
stock interests, and parcel the proceeds out to interest holders.
But the promotions rested on misrepresentations—including
that the company already had purchased farmland, that prior
investors had earned returns, and that a large-scale public of-
fering of shares was imminent. In reality, during its three-year
run, the company never purchased land; had no clear plan for
a public offering; and funneled almost all of the invest-
ments—about two million dollars—to Dyer and his codefend-
ants for their personal use, with the remainder used to make
payments in furtherance of the scheme.
   After two years of pretrial proceedings in the Farmland
case, Judge Stadtmueller set a December 2016 trial date. Dyer
exercised his right to represent himself, albeit with help from
standby counsel. In opening statements, Dyer asserted his in-
nocence; the government, he said, misunderstood his legiti-
mate business model.
   But, over the course of two days, eleven witnesses testified
against Dyer, detailing how he organized and implemented
Nos. 17-1580, 17-1776                                         3

the scheme. On the second day, Dyer tried to introduce an ex-
hibit while cross-examining a witness, even though he had
not submitted an exhibit list before trial. The judge admon-
ished Dyer in the presence of the jury, informing him that he
must “follow the same rules of every lawyer” and that the
judge was “not going to play games like [Dyer] continue[s] to
play games with the Court, the court staff, the government,
the witness.” The jury was then excused, and the judge
warned Dyer that he would not “continue the game of obfus-
cation and charade” or “tolerate abuses” of the judicial pro-
cess. Later that day, the parties say, Dyer told the government
that he wanted to stop the trial and plead guilty.
    While the Farmland case was being investigated, Dyer or-
ganized another scheme that became the subject of “the Insur-
ance case,” (Case No. 17-1776). Joan Bakley purchased a life
insurance policy through Dyer’s father, James. The policy
later lapsed for nonpayment. Dyer convinced the Bakley fam-
ily that James had somehow “stolen” their insurance policy
by making himself the beneficiary. Claiming to have contacts
at the issuing insurance company, Dyer entered into a consult-
ing agreement with the family.
    Dyer’s representations were false. His father did not steal
the policy, and Dyer had no contacts at the insurance com-
pany. For his purported services, the Bakleys paid Dyer nearly
$1,000,000 in 30 or so installments. Pretrial proceedings in the
Insurance case were underway when Dyer approached pros-
ecutors from the Farmland case about pleading guilty.
   The day after Dyer asked to halt the Farmland trial, he
signed written plea agreements for both the Farmland and In-
surance cases. He would plead guilty to two counts of wire
fraud and two counts of unlawful financial transactions, in
4                                      Nos. 17-1580 & 17-1776

exchange for dismissal of the remaining charges in these two
cases and all charges in a third case.
    The next day, Magistrate Judge Jones, who previously had
reviewed Dyer’s competence to proceed pro se, held a consol-
idated change-of-plea hearing. Dyer testified that he was com-
fortable reading complex documents and understood his plea
agreement, which he reviewed “extensively” with standby
counsel. No threats, promises, or other inducements were
made, Dyer said. He confirmed that he was not using drugs
or alcohol, and that he was “fully in the moment and under-
standing what’s going on.” The magistrate reviewed the plea
agreement and its factual basis with Dyer, who confirmed that
the allegations were true.
   Dyer offered his pleas of guilty, and the magistrate recom-
mended accepting them on December 7, 2016. The district
judges in both cases adopted the recommendation without
objection.
   Dyer moved to withdraw his guilty plea in the Farmland
case the day before his sentencing hearing. He alleged that the
government and its witnesses had made false statements to
the court, and that Judge Stadtmueller was biased. The court
denied Dyer’s motion with little comment and sentenced him
on March 8, 2017, to 180 months’ imprisonment.
   A few weeks later, Dyer appeared for sentencing before
Judge Pepper in the Insurance case. Dyer again asked to with-
draw his guilty plea, explaining that he was innocent but had
negotiated a plea agreement because he felt prejudiced by the
proceedings in Judge Stadtmueller’s court. Judge Pepper
asked Dyer why he pled guilty in two cases before two differ-
Nos. 17-1580, 17-1776                                           5

ent judges instead of simply waiting to appeal in the Farm-
land case. Dyer responded that he understood he could have
appealed, but suggested that his “judgment was off” because
he suffers from bipolar disorder. Still, Dyer confirmed that
nothing on the day of his change-of-plea hearing had substan-
tially clouded his judgment or impaired his ability to under-
stand the colloquy. He insisted, however, that he felt “forced”
to plead guilty, though he confirmed that he was not directly
threatened.
    Judge Pepper denied Dyer’s motion because he was fully
advised of the consequences of pleading guilty and made a
“valid decision” to end his trial proceedings. On March 23,
2017, she sentenced him to 110 months’ imprisonment. In de-
ciding the sentence, Judge Pepper considered Dyer’s bipolar
disorder, as mentioned in his presentence report, but con-
cluded that his condition was not strongly mitigating because
he chose to forgo treatment.
    He now appeals, challenging the district courts’ denials of
his motions to withdraw his guilty plea on the basis that the
magistrate judge’s plea colloquy was insufficient.
                            II. ANALYSIS
    Before addressing the merits of Dyer’s arguments, we
must resolve a dispute over the standard of review. Dyer asks
that we review for abuse of discretion, see United States v. Fard,
775 F.3d 939, 943 (7th Cir. 2015), but the government responds
that plain-error review is appropriate because Dyer did not
alert the district judges to any specific deficiency in the
6                                               Nos. 17-1580 & 17-1776

Rule 11 colloquy. 1 See United States v. Stoller, 827 F.3d 591, 595
(7th Cir. 2016), cert. denied, 137 S. Ct. 1093 (2017). We agree
with the government’s assessment. Dyer used his motions to
withdraw his guilty plea to argue his innocence and did not
raise a challenge resembling the one he now presents on ap-
peal. We therefore limit our analysis to plain-error review.
    Under this standard of review, a defendant must demon-
strate a reasonable probability that, but for the court’s plain
error, he would not have entered the plea. See United States v.
Sura, 511 F.3d 654, 661–62 (7th Cir. 2007). In this case, though,
Dyer has failed to demonstrate any plain error in the first in-
stance.
   A guilty plea must substantially comply with the require-
ments of Federal Rule of Criminal Procedure 11. Stoller,
827 F.3d at 597. That rule requires a colloquy to ensure that
the plea is voluntary and the defendant understands the na-
ture of the charges against him. FED. R. CRIM. P. 11(b).
   Dyer argues first that the magistrate did not adequately
inquire into his mental health during the plea colloquy. To be
sure, the magistrate asked Dyer some questions to assess his
mental state, and concluded from their interaction that Dyer



    1  After filing its response brief, the government submitted a Circuit
Rule 28(j) letter asserting that Dyer waived his claims by not objecting to
the magistrate’s recommendation before the district judges accepted it.
Setting aside any question whether Dyer had adequate time to object to
the recommendation or would need to do so in order to “withdraw” a plea
that a district court had not yet formally accepted, the government waived
its waiver argument by saving it for a Rule 28(j) letter. See Spiegla v. Hull,
481 F.3d 961, 965 (7th Cir. 2007) (explaining that Rule 28(j) letter does not
“provide a second forum” for “wholly new or different arguments”).
Nos. 17-1580, 17-1776                                          7

was of clear mind and “fully in the moment and understand-
ing what’s going on.” But Dyer now argues that the standard
colloquy was not enough in his case because he suffers from
bipolar disorder, which could have impacted his judgment.
Dyer presumes that his having a mental illness either vitiated
his ability to plead guilty or, at least, obligated the court to
probe his mental health at the colloquy.
    But defendants with mental illnesses can and often do en-
ter knowing and voluntary pleas, so long as the judge can de-
termine that the defendant is able to understand and partici-
pate in the proceedings. See, e.g., United States v. Woodard, 744
F.3d 488, 496 (7th Cir. 2014). And Dyer points to no evidence
that his judgment was significantly impaired during either
the plea-agreement negotiations or the colloquy. Rather, the
transcript shows that the magistrate thoroughly assessed
Dyer’s ability to understand his rights. Dyer testified that he
was not under the influence of drugs or alcohol, and agreed
with the magistrate’s assessment that he was “fully in the mo-
ment and understanding what’s going on.”
    He also said he was comfortable reading complex docu-
ments and felt confident that he understood his plea agree-
ments. These statements, made under oath, are presumed
true. United States v. Chapa, 602 F.3d 865, 869 (7th Cir. 2010).
Dyer himself later confirmed the veracity of his testimony
when, a few days after his change-of-plea hearing, he reaf-
firmed to Judge Pepper that nothing affected his judgment or
his ability to understand the questions at the colloquy. Absent
evidence that Dyer’s ability to think was substantially im-
paired, “it can’t just be assumed” that his mental illness ob-
structed his ability to understand his pleas. United States v.
Hardimon, 700 F.3d 940, 944 (7th Cir. 2012).
8                                       Nos. 17-1580 & 17-1776

    Next, Dyer attacks the colloquy as insufficient because the
magistrate was incurious and accepted one-word answers
without eliciting narrative responses. For instance, the magis-
trate did not ask him why he decided to plead guilty (after
insisting for so long that he was innocent), neglected to elicit
an oral narrative of the facts from him, and failed to advise
him that his pleas would waive his right to contest
Judge Stadtmueller’s alleged trial misconduct.
    Yet Dyer acknowledges that these considerations are not
among Rule 11’s express requirements. See United States
v. Adigun, 703 F.3d 1014, 1020 (7th Cir. 2012) (noting trial
court’s lack of obligation to inform defendant of plea’s effect
on appellate rights); United States v. Lacey, 569 F.3d 319, 323–
24 (7th Cir. 2009) (leaving plea undisturbed even though fac-
tual basis was stated by government and confirmed by de-
fendant with simple “Yes, sir” response). And although some
appellate opinions encourage trial judges to elicit narrative re-
sponses during the plea colloquy, eliciting only “yes” or “no”
answers “does not defeat the presumption” that the defend-
ant’s “answers were truthful and that he actually understood
the consequences of changing his plea to guilty.” United States
v. Gonzalez, 765 F.3d 732, 741 (7th Cir. 2014). Here it was not
plainly erroneous for the magistrate to conclude that Dyer’s
“Yes, sir” answers demonstrated his understanding of the
agreements and his willingness to plead guilty.
    Finally, Dyer contends that his decision to plead guilty re-
quired a more thorough colloquy because it marked a dra-
matic shift from his prior protests of innocence. But his sud-
den change of heart is no anomaly; defendants who once as-
serted their innocence often change their plea, and there was
Nos. 17-1580, 17-1776                                        9

no reason for the district court or the magistrate to find that
phenomenon unusual in this case.
                        III. CONCLUSION
   For the foregoing reasons, the judgments are AFFIRMED.
