Ray got home, showered, and was ready to sleep.

Before turning in, he checked the stock market—his portfolio was up six percent today, about two million in floating profit. Not bad.

He stretched, climbed into bed, and drifted off.

By the time he woke naturally the next morning, sunlight was spilling across the room. After breakfast, he adjusted a few of his stock positions—minor changes, but these would be his main focus over the next couple of months.

At ten, Lucy called. She'd already file