This is very interesting. I would like to see where you go with the idea of where it all came from, what's in there, etc. Your characters are good, but I would differ on one thing - if Ginny's ever had a job, she probably got paid and would have money to bank. I also like how there hints of romance in here, but it's not overly mooshy!
I really hadn't thought of Ginny saving money. Maybe it the 'man' in me, that can only see her spending every single knut she earns.
I am really enjoying your latest story, VISITOR'. Haven't had time to review it all. what a great story line...