Private detective John Rosow is hired to tail a man on a train from Chicago to Los Angeles. Rosow gradually uncovers the man's identity as a missing person; one of the thousands presumed dead after the 9/11 terrorist attacks on the World Trade Center. Persuaded by a large reward, Rosow is charged with bringing the missing person back to his wife in New York City.

At 17, high-school junior Shirley Lyner is thinking about college and running a babysitting service that provides teen call girls to the dads of young children. In a long flashback, we see what brought her from being a babysitter to organizing and running the service. It starts with Michael, the father of children she baby-sits. A cup of coffee on the way home from his house, a night visit to a train yard, and one thing leads to another. Shirley can be ruthless, and tension builds when some of the clients take the girls to a mountain cabin and bring drugs. Then, one of the girls tries to freelance. Can this end well: is it a tragedy in the making? Do we all have secrets?