A 1935 hurricane in the Florida Keys destroyed the East Coast Railway, killed 500 people and blew away the town of Islamorada. Lost in that storm was Mathew Kriegel, a finance director for the railroad, and one and a quarter million dollars in gold.

Now newly minted private investigators Skip More and James Lessor, of More Or Less Investigations have been hired to find that lost treasure. Fighting off competitors, scuba diving, digging in a spooky cemetery and almost getting killed is only part of their job. Skip and James have stumbled onto the biggest most dangerous adventure of their lives.