When 18-year-old Nick Howard did not come home one night, his family immediately knew something was wrong. They reported him missing and soon police found his car at the bottom of the Sacramento River. Three weeks later his body emerged. When investigators discovered a life insurance policy to the value of $850,000, they set their sights on the beneficiary: Ralph Marcus, a school friend of Nick’s mother Patty, who never accepted the fact that she had rebuffed his advances. So, how and why was the young Nick Howard killed?

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