Selma discovers her partner Chester has secretly borrowed $400,000 to bring home for the New Year, depleting their $100,000 savings. While preparing to leave, Selma entrusts a crucial folder of documents to Shirley, who had previously caused Chester's allergy. Unbeknownst to them, Selma reflects on how Shirley once burned a valuable contract from such a folder and was forgiven. Now, with Chester's risky loan hidden inside, Selma watches to see if the family's forgiveness will be tested again.