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Originally Posted by 4691mls
In the US we usually use the word "plan" for this kind of thing (pension plan, health plan, etc.) I tend to think of "scheme" as something perhaps more calculating, whereas a plan is a neutral description. GtrsRGr8 and I are both southerners so perhaps it is a regional thing.
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I see that "dictionary.com" (which is American) gives "plan" as the primary meaning, with the "dishonest" meaning second. In my British Chambers' dictionary, the dishonest meaning is in fourth place, so that would suggest that it's a much less common usage of the word in Britain.