Columbia medical student Pia Grazdani is working closely with molecular geneticist Dr. Tobias Rothman on cutting-edge research that could create replacement organs for the critically ill. When tragedy strikes in the supposedly secure lab, Pia and classmate George Wilson investigate. Meanwhile, two ex-Wall Street whiz kids race to find ways to control actuarial data and securitize the policies of the aged and infirm for profit. As Pia and George dig deeper, one question remains unanswered: Is someone attempting to manipulate private insurance information to allow investors to benefit from the deaths of others?