Who was Charles Ponzi?... a scoundrel, a petty criminal, a misunderstood financial genius, a criminal mastermind, or perhaps simply a salesman extraordinaire? The fascination in examining the life of Charles Ponzi lies in trying to understand the machinations of his heart, mind, and soul as he perpetrated one of the largest frauds in U.S. history. While much opinion and speculation has been bandied about regarding this key point, the complexity of Charles Ponzi has made reaching a satisfying conclusion all but impossible.