On a cold winter's morning, Lorimer Black, an insurance adjustor -- young, good-looking, on the rise -- goes to keep a perfectly ordinary appointment only to find a hanged man.

His life is about to be turned upside down and in directions he never imagined. The elements at play: A beautiful actress with whom he finds himself falling in love after a quick glimpse of her in a passing taxi ... an odd, new, business associate whose hiring, firing and rehiring make little sense ... a rock musician whose loss -- in this case of his mind -- may be "adjusted" by the insurance company. What ties it all together: a web of fraud in which virtually everyone he knows is somewhat involved, a web in which he finds himself being increasingly entangled.