Caroline Gerardo graduated with a MFA from Claremont Graduate University. She worked for Washington Mutual Bank more than twenty years until the mortgage meltdown. She knows what it was like on the inside of other failed banks that lead America into foreclosure. Ms. Gerardo's masterful writing style is fast paced. The story takes the reader on an epic journey from Wall Street to Newport Beach California then the Turks and Caicos, and Las Vegas. California was the mecca of all mortgage companies before 2008. These locations Ms. Gerardo knows first hand, and she describes with cinematic detail.