A giant tortoise learns that if something sounds too good to be true, it usually is. Whitey and Cahoots, two sharks, convince giant tortoise Arlene to invest in their sure-fire, money-making scheme. Arlene takes the bait. So do all her friends, and they discover the hard way what a Ponzi scheme is. "Sheila Bair uses illustrations and fun stories to demystify finance for children and the adults who read to them."— AARP The Magazine "Sheila Bair uses illustrations and fun stories to demystify finance for children and the adults who read to them."— AARP The Magazine Sheila Bair has had a long and distinguished career in finance, academia, and government. She is perhaps best known as the Chair of the FDIC during the 2008-2009 financial crisis, when she was twice named by Forbes Magazine as the second most powerful woman in the world. A lifelong advocate for strong financial regulation and consumer protections, she is the author of the New York Times bestseller Bull by the Horns , her memoir of the financial crisis, and is a frequent op-ed contributor and TV commentator, as well as author of several children's books on financial matters. Amy Zhing grew up in the city of Plymouth in Devon, England. She studied fine art at university but realized a career as an award-winning fine artist was far too serious for her. So she has decided to try and make it as an award-winning illustrator instead.