A typical work day at a pension fund investment company, Lochmill Capital, is upended when a gang of violent thieves burst in and force Zara and her best mate Luke to execute their demands. But who would steal billions of pounds of ordinary people’s pensions and why? DCI Rhys is determined to find out, but as a recently relapsed gambling addict, Rhys must keep his own money problems at bay while dealing with the secret agendas and competing interests at the center of this far-reaching crime.