Three bright college kids (two boys, one girl), at an elite college that grooms many high end lawyers and Wall Street types, become enticed by the possibility inserting themselves into the world of stock manipulation and insider trading. They are drawn into a world that is over their head and begin to mess with a ruthless organized crime faction group of serious stock manipulators who are in it for millions. An escalating game of cat and mouse, computer intrigue, and increasing risk and high profits ensues, with Winslow, Gretchen, and Bergen wondering if they ever should have even taken their first step into the volatile world of penny stock manipulation. (The novel is preceded by 6 pages of explanatory information about penny stocks).