Cedric Ross is arrested for fraud and embezzlement after a judge to whom he had lost money for years earlier signs the indictment papers. The absence of Cedric gives Adam the opportunity he'd been looking for to sell the bank. In order to protect his interests, Cedric signs his controlling interest in Gardner/Ross over to his daughter Sally, an economics professor at a university.

Adam's deal with BritRail doesn't contain an out clause, so when the price of the stock begins to plummet, Gardner/Ross is on the hook for a two million dollar loss.