The novel is written in the first person, fiction based on the author's experience as a shipping fraud and casualty investigator for the insurance world. It takes the reader into unusual and sometimes dangerous circumstances when a ship runs aground on rocky or sandy windswept shores in many, often isolated, parts of the world. A cruise liner at anchor in Alaska with eight hundred passengers on board and three hundred crew is in a precarious, dangerous situation, when the hull plating is torn open for almost its full length and all that is keeping it afloat is the tank tops or inner bottom, which is not designed for that purpose. There is a sense of panic and uncertainty on board when Jim Stewart arrives on behalf of the insurance underwriters to give guidance and opinions in avoiding an imminent catastrophe, Read this and you enter a world of natural and manmade disasters, where the reader is able to learn at first-hand the complexity of dealing with the issues they raise, while representing the insurance underwriters, but also helping the Owners to deal with difficult situations. The people caught up in these situations have never experienced anything like this before, whereas it's almost an everyday event for experts like James Stewart - a marine fraud and casualty investigator - when appointed to advise and assist the Owners.