Sam (Matt Dillon) and Ray (Kevin Bacon) are partners. Ray shoots Kelly (Denise Richards) making it look like self-defense. Sam tries to throw Ray overboard and Suzie (Neve Campbell) kills Ray with a spear gun when he clims back onboard the boat. Suzie poisons Sam. Kenneth (Bill Murray) hands a nice check and a load of cash to Suzie. During the end credits, additional scenes show that Suzie planned the entire thing from the very beginning.