On Christmas Eve, in the middle of the Arizona desert, a middle-aged man and an old woman contemplate suicide. But through chance run-ins with strangers and perhaps some divine intervention, they cross paths and change each other's life forever.

Fresh out of law school and full of hope for the future, Renny Jacobson is stunned by his father's sudden death, and then by the terms of his will. The elder Jacobson has left the bulk of his estate to charity. For his only son, he has left nothing more than the contents of a deposit box and interest in a company no one has heard of, the Covenant List of South Carolina, Ltd. When Renny encounters lovely Jo Johnston, meets the members of 'The List,'...