Behind all the calm on the streets of London, United Kingdom, a growing problem still exists, and one in ten of us undoubtedly has been impacted by this problem, whether directly or indirectly. That problem is a five-letter word that still exists today: fraud. Using the figures that are currently available, the NFA, National Fraud Authority, estimates that the financial services industry lost 3.8 billion to fraud during 2008. In that same year, a young man was arrested and sentenced to prison, and after being reformed, he had a story to tell.