Natalie is a clever young woman with ambition, but she is stuck in a boring, dead end job and can only dream of better things. After a chance conversation with a workmate, during a cigarette break huddled outside, Natalie hatches a plan, a fraudulent plan which will increase her bank balance and give her the life she deserves. No-one will ever find out, will they ? However, there is only one obstacle to this new found wealth, the first letter of Natalie's surname. Not deterred, Natalie sets off on a plan to rectify this. How true is the above quote from Sir Walter Scott in 1808. Natalie's lies and dishonesty initiate problems with a domino effect of complications, which spiral out of control. They have a profound effect on Natalie's life and the lives of people she does not even know. I enjoyed this novel but did find the end to be quite sudden.