On Christmas Eve, a beach carnival in Malaysia is devastated by a huge explosion, causing 35 deaths and injuring 68 people with Hongkongers among the casualties. Boss Keung of Northern Lights Insurance investigation team (KS) decides to send PAK, Little To and rookie CHEUNG TUNG to investigate this case. PAK and Little To point out insurance investigation must commence as soon as possible after the incident to prevent clients from lodging fraudulent claims. Joan, the first Hong Kong casualty, is in a critical condition. CHEUNG TUNG reckons Joan most probably knows what actually happened. They take the security guards away. PAK and CHEUNG TUNG find out some local police officer was trying to collect outstanding debt. Police still have not officially classified the incident as an accident or an intentional act. The next day, PAK is injured by a car in the busy city.