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Frank Cain, after suffering a personal loss, leaves college and stumbles into a job selling yachts in Southern California. His life drastically changes when he unexpectedly receives a lottery-style windfall from a sudden and suspicious sale to a wealthy Wall Street trader, Mr. Suarez.
His newfound wealth is tested when one of his best friends is kidnapped in Mexico, revealing the darker side of his fortune. Frank learns that his money is tied to the machinations of the very rich during a financial crisis. He must now navigate through corruption, deal with hitmen, and confront Mr. Suarez, whose financial empire is crumbling.
With the help of his friends, Libby and Jack, along with a colorful array of supporting characters, Frank devises a plan to rescue his friend. The story culminates in a tense, action-packed finale where Frank's intelligence, luck, and moral compass are put to the test to save his friend from an unusual ransom demand.
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