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In this, the final installment of the Desperate Times trilogy, Jimmy and his people learn that the economic crisis has passed, but not before a bird flu pandemic has claimed a billion lives. While the FEMA camps may have opened their gates, sweeping changes have been made to the Constitution, which is one of the few things our gridlocked Congress can agree upon. Furthermore, the dollar bill has been replaced by the amero and by the end of the year all Americans will be required to have a microchip embedded in their skin. Once again, an angry population has taken to the streets in protest....

Despite all the warning bells, Black Friday arrives as a devastating tidal wave that completely destroys our fragile economy in a single day. There is panic in the streets as banks close their doors, seemingly forever, at noon. Store shelves are swept bare and the gas pumps soon run dry. Jimmy Logan watches in disbelief as his world crumbles before his eyes. Luckily, he has friends who have planned ahead for this nightmarish scenario and he joins up with a group who plan to ride the storm out in northern Minnesota. Some of their group will be dead before the sun sets. Jimmy soon finds himself...