Thank you the Krembs family, especially Steve Treanor and the MacDonalds who gave me the diaries, the support and the inspiration to keep going!

Thank you Bob Pennoyer for meeting with me. How lucky am I to have met J.P. Morgan’s grandson!

Thank you to my husband who kept me going despite 25 drafts that he patiently read and never ever suggested I give up!

Thank you to the librarians that patiently provided me with the nuts and bolts to write a book.

Thank you to my beta readers who read and commented and helped me along in my writing.