New York's epic article about Annie Leibovitz in this week's issue is well worth a read, particularly since it sheds a little light on how it is one of the world's highest-paid photographers now finds herself on the brink of financial ruin. (If the only person you'll allow to repair your air-conditioner has to travel to NYC from Vermont to do the work, that's probably not a good sign.) Leibovitz's financial fate will likely be sealed in September when the $24 million loan she secured from Art Capital Group last year is due. Interestingly, though, Leibovitz appears to be hinting that the terms of the loan— which required her to put up the rights to her photos and real estate holdings as collateral—only became apparent to her after the Times reported on Art Capital Group back in February. Friends of the photographer suggest that Leibovitz had no idea she was giving up so much when she took out the loan; they also seem to be shifting some of the blame to Ken Starr, the financial adviser who took the photographer on as a client in 2007 and who was also responsible for introducing Leibovitz to Art Capital Group. Pinning the blame on Starr, who boasts an insanely long list of celebrity clients, may be a hard argument to make.