Suppose that, after twenty years, your hard working neighbor has saved up 10 million. A journalist comes along one day and puts together a piece on the more affluent residents in the area-complete with photos of the magnificent buildings and the beautiful second wives that you and your neighbor have accrued. He comments on the interior design and the exquisite landscaping. However, the crucial difference between the two of you remains hidden from view: the risk that lurks behind each of the 10 million. For this he would need to recognize the alternative paths.