Jane Bunker is a marine investigator who has just moved back to a sleepy Maine community. Shes a lover of all things Scottish and so thrifty that she never throws anything away. When the town drunk falls to his death off the town dock, it looks like an open and shut case, so Janes insurance company will pay. But did he really fall or was he whacked in the head and then pushed? Was he really a drunk? How does this relate to a heated town hall meeting about energy windmills, fishing rights, and paternity suits? And can Jane get to the bottom of it all without spending any money and without ending up in mortal peril? The answer is yes about the money, but things take a turn for the worse when she finds herself literally at sea with the killer.