ABOUT THE AUTHOR Born in Havana Cuba, Ed now lives in Coral Springs Florida. His experience as an auditor has spanned over 20 years. He has conducted numerous audits and fraud investigations of many types of companies, in many industries, in several countries. He audited banks during the commercial loan failures of the seventies and now he has had a ringside seat during the mortgage industry's recent debacle, leading to the current mass unbridled foreclosures. His profession requires him to relate to individuals at all levels of the hierarchy. "The people one meets during these encounters run