Susan Horton

When troubled teen boy Stevie (Cameron Van Hoy) and his girlfriend, Rocky (Mischa Barton), attempt to rob a bank without any forethought, the situation rapidly deteriorates. Soon the young couple is holding bank customers and employees hostage, while law enforcement gathers outside. Daniel Bender (Burt Reynolds), a veteran negotiator for the FBI, is charged with assessing the crime scene and ending the standoff as quickly as possible, but Stevie's short fuse considerably complicates matters.

New York: Every night the mysterious "Night Owl" goes on the air with her moody radio show. She seems to have an inexplicable influence on some men; several of Julie's friends commit suicide while listening to her voice. She fears for her husband Harry, who becomes more and more distant from her.