It's the 1980's, an era of Wall Street mergers, yuppie lifestyles, and bank speculation. Oil prices have collapsed, as the Reagan administration pursues a movement to consolidate smaller banks into multi-state institutions. Luke Boyd's new financial services company finds great success, as his personal life comes apart and his company becomes the target for a bank takeover. Access to Capital is a page turner that reflects a quest for love and a test of personal values.