Looking to escape her unhappy marriage, villainous femme fatale Bridget Gregory (Linda Fiorentino) convinces her husband, Clay (Bill Pullman), to sell cocaine, then steals the profits and runs out on him. She stops in a small town en route to Chicago, where she ensnares her next conquest, insurance man Mike Swale (Peter Berg). After getting a job at his insurance company, Bridget convinces Mike to run a scam — but things take a deadly turn when she recruits him to help get rid of her husband.

Called in to recover evidence in the aftermath of a horrific explosion on a New Orleans ferry, Federal agent Doug Carlin gets pulled away from the scene and taken to a top-secret government lab that uses a time-shifting surveillance device to help prevent crime.