"Guy who lives out where my folks' farm is had it for sale," Ricky said. "He thought teal isn't really a good colour for a bike, so he bought a black one and sold the teal. He's got a bit too much money, so the bike was a good price, too."
Beat.
"And a Ponzi scheme is a swindle where some guy takes your money to pay their older customers, but ultimately steal it all. That's what this guy Madoff did?"