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A financial advisor called Nigel Wheeler arrives in Aidensfield and tries to sell the villagers insurance. Nick is sceptical, and when Jo's father becomes involved in Wheeler's business, Nick decides to do some digging into Wheeler's past. Meanwhile, Greengrass, Ventress, George, Gina and Blaketon all receive poison pen letters threatening to reveal hidden secrets from their pasts, but who sent the letters and why is a strange man stalking councillor and recently widowed Joyce Jowett?