Multi-billionaire Phil Hoagland wants Sally to help him buy the St. Lawrence Seaway; Benny has a crisis of faith; Ayn rekindles her romance with Jack, but reveals an awful secret.

Ayn's sudden absence from the bank due to her heroin overdose creates a crisis in the mutual fund and in her personal relationships; Adam contends with a scam artist in the funeral business.

Jack opposes Adam and Sally to pursue a deal with his former mentor; the traders think Ayn's ghost is wreaking havoc on the trading floor; Sally resents getting business based on her relationship with billionaire Phil Hoagland.