The scandalous side of the health insurance industry becomes a motive for murder. Two car bombs are detonated, then a third. Two people are killed, two maimed. Memphis Police Department Lieutenant Julia Todd discovers that many health insurance companies have been using death panels, lining their coffers by denying life-saving medical treatment while their policyholder dies. Using one Iraq War demolitions specialist to catch another, more bombs are found and diffused. The bombers up the ante - pledging a suicide pact and adding police to the target list. Julia is number one.