J and I were both living in halls of residence at the time, a couple of doors down from each other, and I went over to his room one afternoon to borro... a book he had that I needed for an essay I was writing. J was in bed with some sort of bug or flu, or possibly just a killer hangover, lying there with the covers pulled up to his nose and a sorry expression on his face. I was sort of avoiding getting back to my essay by sitting at his desk, flicking through the book and talking about its. ”That was the start of the conversation. It turns out that Andrew had been unfortunate in some of his dealings, major corporations suddenly taking a nose dive in share value. But what had really been his downfall, wasn’t his investments, it was his contracts with the investors. Had he made a good profit, his own payday was good, but if he made a loss, he was liable for a portion of that loss. Don’t get me wrong, the investors would have lost more due to the capital being lost. But it was a. More

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