In this episode, Moriarty and Grytpype-Thynne devise a scheme to their financial advantage. They arrange for the editor of Pam's Paper to pay £1,000 to the next of kin of any person who drowns in water, provided a copy of Pam's Paper is found on the deceased's body. The story follows the comedic and chaotic events that unfold as the characters deal with this absurd insurance policy.