Lying on a beach in Acapulco, Clarity Nice and her friends, librarian Lanai Thomson, lifeguard Taimi Kendrick, ethnographer Flower Parkwood, Australian surfer Jenna Likeway, the well-to-do Malibu resident Cynthia Stevenson, and new 'Sun on the Rocks' member, ethnographer Flower Parkwood, witness the flight of a fuming crop-duster adverstising a high yield investment product offered by a shady Cayman Islands bank, Lofty Bank Bill Bank, led by its mysterious representative, a secretive corpulent man chauffeured in a Rolls-Royce Phantom he rarely leaves, named Buddha Talk.
Intrigued about why Lofty´s deposit is so profitable, Clarity and ethnographer Flower Parkwood hide in the crop-duster, and reach the Cayman Islands.
Looking for Buddha Talk in a five star hotel, they find a lightweight boxer instead, represented by the shady bank owner, who leads them to the premises of the Cayman bank, open only to investors owning at least one hundred thousand dollars.
Enmeshed in their role as wealthy investors of Lofty, Clarity and Flower find out the untenable fifty year working arrangement behind the profitable yield of the Bank´s investment deposit.
With Buddha Talk closing in on their investigation, stuck without money in the Cayman Islands, the two girls are led to the banking agent´s luxurious lair, where they find confidential documents explaining the complex ownership structure of the bank and its connections with Organized Crime.