W, a 98-year old widow,

has inherited R850 000 000 from her late husband. W’s lazy son-in-law, L, has

offered to “look after her money for her”. W therefore hands L R20 000 000 and

instructs L to buy her (W) shares in company A in the hope that the value of

the shares in company A will increase over time. Contrary to W’s instruction to

L, L goes and buys shares in company B with the money. When asked by W whether

he (L) bought the shares in company A as instructed, L dishonestly replies

“yes”. It later turns out that the value of the shares in company A decreased

dramatically and that the value of the shares in company B increased and that L,

in fact, saved W a lot of money.