Building is Howard's passion, and he is so absorbed in his plans to build an elaborate resort in the Blue Mountains of Australia that he ignores certain obvious signals that his business partner is not entirely on the up-and-up. After a brush fire destroys the resort, an insurance investigator comes nosing around, whom Howard's partner deals with in a drastic manner. By the time Lloyds of London's senior investigator George Engels (James Mason in one of his last roles) arrives on the scene, Howard (Tom Skerritt) is anxious to set things to rights.

An insurance investigator comes to a small town to investigate the death of a man insured by his company. The local residents believe his death was caused by his being run over by a ghost train. However, the investigator is sure there is a more rational explanation...

Proud, though poor, Bob wants his little girl to have a beautiful (and costly) brand-new dress for her First Communion. His stubbornness and determination get him into trouble as he turns to more and more questionable measures, in his desperation to raise the needed money. This tragic flaw leads him to risk all that he loves and values, his beloved family, indeed even his immortal soul and salvation, in blind pursuit of that goal.