It has been a hard year in New York City for princes and for beggars; and twenty-eight year old Charlie Andrews, a Wall Street profiteer, believes he has lost everything that matters in the world when he steps out onto the window ledge of the twenty-second floor of The Waldorf Hotel on a cold evening five days before Christmas. He has no idea that the last call he made on his cell phone has placed his fate in the hands of a young homeless woman who...