Johnny Dollar is called to help locate an insured, stolen necklace. The owner is a thoroughly unlikable, rich man, but the jewelry is being held for a $98,000 ransom, which the insurance company would have to pay. Adam Kegg's certain it's all a hoax, and thinks it's a waste of time to ransom them back, but Johnny is convinced it's an inside job - because how would anyone know the movements of Mrs Kegg...