During his time studying at Colombia University in New York City, Raymond Bradley makes an erroneous decision, not realizing how much it will affect his later life. Had he known, he would have acted differently.

As a gifted mathematician, he joins forces with fellow student Joanne Statham and they begin a business enterprise fresh out of college. 

As time moves on, Ray makes a mistake which drastically changes his life over several years. The misjudgment sees his bank balance take a beating. As things seem to improve, the poor decision made in college comes back to haunt him.

Can he redeem himself and can he put the occurrence while studying to bed once and for all, or will the enemy he made in his youth win the day?

With hatred and a need for vengeance from Ray's nemesis, a chain of events set over just weeks will show if the hero or the villain is victorious. Who will it be?

A fast-paced financial thriller that probes at the how the financial system in New York City’s finance sector might work.