John Paul is dead. The Garvey sisters think it's all behind them—but the insurance men have questions.

As Thomas and Matt grasp at straws in the present, a sinister plot takes shape in the past.

Ursula is next in John Paul's crosshairs. Thomas hopes the police will help him.

Bibi is gripped by a bold, dangerous idea for John Paul's birthday. Matt learns a difficult truth.

Becka is determined to prove Eva wrong. Thomas and Matt wait for news of a breakthrough.

The sisters get a heartbreaking reality check. Matt steps up as Thomas begins to crumble.