Carr and his merry band of thieves -- tough Bobby, computer nerd Dennis, Latin Mike, and beautiful Val -- are planning to lift $100 million from an international criminal, as long as everything goes to plan.
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The problem is that Carr is worried about what happened when Declan, the one who brought them all together in the first place, died a few months back. He'd gone with most of the crew to steal a few million euros from some mobsters, who fought back and killed Declan. Carr and Val sat out that job, and Carr still isn't certain if someone in his crew sold out Declan and kept the money for himself.
To get to their mark, Curtis Prager, the crew kidnaps and blackmails Howie Bessemer, a down-on-his luck crook who introduces Carr to Prager. The idea is that Carr will trick Prager into connecting a thumb drive to his laptop, inadvertently uploading a computer word that will send Prager's login and password info to Dennis. Simultaneously, Val has been getting close to Annie Chun, an employee at Prager's bank, to steal her password info as well, since the crew will need both to access the money.
Carr's trick fails, so they move to Plan B. Carr and Howie go to a party at Prager's Cayman Island estate, and while Bobby and Latin Mike create a diversion, Carr sneaks into the house and sticks the drive into Prager's laptop. He leaves and calls his crew, telling them the job was a success. He then calls Tina, who works for Mr. Boyce, the shadowy figure who bankrolled the whole job, and tells her the same thing.
Almost immediately after, Prager's goons grab Carr and Howie. Someone drained Prager's money and called him to drop a dime on Carr. Carr and Howie escape, and Carr heads to the crew's safe house, wondering which one of his partners sold him out. All he finds is Dennis and Bobby's dead bodies.
Carr regroups with Mr. Boyce and they track down the thieves: it's Declan, who is not dead after all, and Tina, Boyce's associate. Carr complains that Declan killed the whole crew, including Val, who was in love with Carr. Declan answers with little more than a shrug, and then delivers himself to Boyce, offering to negotiate to save his own life in exchange for returning most of the stolen money.
In the end, Boyce delivers the crew's share of the money to Carr, the last surviving thief. He offers to tell Carr what happened to Declan, but Carr says he doesn't care. He's moved in with his elderly father to take care of him until he dies.
Best part of story, including ending:
The story takes way too long to unwind itself, and the twist at the end is rather predictable. The book spends a lot of time on flashbacks about Declan, but since we're told he's already dead, why should we care?
Best scene in story:
When Carr sneaks into Prager's house to connect his drive to Prager's laptop, and thus steal the banker's login information, he's almost spotted by the housemaid, who flirts with one of the security guards while Carr is hiding in the same room. It's a brief moment but a welcome respite from Carr's robotic planning.
Opinion about the main character:
Carr isn't much of a character at all, just a guy who came up with a plan for robbing a rich criminal, and now is in charge of executing the plan. He acts surprised when people react poorly to his relentless interrogations and can't make up his mind as to whether he loves Val or not. Even when he confronts Declan over stealing his millions and trying to have him killed, Carr can barely summon any emotion.