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Ricardo was an extremely brilliant boy. He was quite exceptional when it came to subjects where the creativity of the individual did its talking. Art came naturally to him, and so did Math. Therefore when his class teacher asked the class to do a project on mortgages and loans and their types, the boy was delighted. Unlike others who just ripped content from books and the internet, Ricardo spent hours researching, comprehending what he had read, and then wrote it in his own language. He covered lots of things- from bad credit mortgages to secured loans . He decorated the project too. His project was easily adjudged the best project in his class, and once again Ricardo had not failed to disappoint. His teachers felt that the boy was destined for greatness, as his skill with numbers was quite remarkable for a teenager.