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Derivatives are not suitable for all investors and involve the risk of losing more than the amount

originally deposited and any profits you might have made. This is not a recommendation to offer

to buy, sell, or retain any specific investment or service.

It's Monday, September 15th, and it looks as if there was an emergency evacuation.

There's notes on the front desk and packages stacked up next to each other.

That's my colleague Amelia Pollard.

She's the F.T.'s U.S. investment correspondent.

And she's standing on the side of a highway just outside Dallas, Texas, peering into the reception area of a large car refurbishing center,

basically like a giant repair shop. It's a massive refurbishing center. Like, I mean, it just stretches back, the equivalent of like seven city blocks.

And there's like maybe a hundred cars, like sitting outside.

The reason she's here is because this place is part of a sprawling auto business that collapsed earlier this month.

It's huge, but there are orange cones blocking off the driveway, fairly trying to prevent people from getting in.

You've probably never heard of it before, but this business that collapsed is called

Tricolor Holdings.

It's a subprime auto dealer and lender, which means they work with customers with risky credit

profiles.

And its recent failure raised alarm bells from Main Street to Wall Street.

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