Ten years ago, Rachel Grant's fiance, Thomas, disappeared. His body was never found. Now there's a stranger in town, a man who could be Thomas's twin - or his ghost. His name is Adam Delafield. He's been watching Rachel for days. He has the locket she gave Thomas before he vanished. And he says he owed her father three million dollars. But there's no record of the loan, or a shred of proof that Adam is who he claims to be.