<DIV>When Phil Kramer is shot dead on a deserted suburban street in the middle of the night, his wife, Emily, is left with an emptied bank account and a lot of questions.<p> Meanwhile, Jerry Hobart has some questions of his own. It's none of his business why he was hired to kill Phil Kramer. But now that he's been ordered to take out Kramer's widow, he figures there's a bigger secret at work?and maybe a bigger payoff.<p> As they race to find the secret that Phil Kramer so masterfully hid, both Hobart and Emily must question where their true loyalties lie and how much they owe those who have been unfaithful to them.</DIV>