Jameson is a 32-year-old father of three who thought he had finally found a career. While working as an assistant manager at a local shoe store, a customer, Vijay, befriended Jameson and invited him to join his financial services firm. Excited by the new opportunity, Jameson stud- ied, took the required exams, and became a certified financial advisor. With all the connections he had established over the years at the shoe store, Jameson started to build up a clientele. Then the credit markets froze, and his client base dried up; nobody wanted to move their assets during the down market. Luckily, Jameson had kept his position as