After putting Iowa crop insurance cheats out to pasture, independent insurance fraud investigator Luna Nightcrow heads to Hawaii, but not for a vacation. The Shilpa, an Indian ocean liner, sinks and Luna is hired to determine if it still carries "Pacific Splendor" (a rare diamond insured for $15 million). The trouble is that Luna's not the only one looking for the diamond. Secessionists, sportsmen, and other suspects might sink to any depths to recover or smother Pacific Splendor. Action, mystery, and romance abound as Luna dares to look around.