Our protagonist Chris has a big problem.
Since he drove without headlights one evening, he was involved in a major accident that crippled a beautiful girl in the passenger's seat and killed two innocent victims sitting in the rear. That was 4 years ago. Amazingly, Christopher was not imprisoned for this one. There should have been a movie regarding why for that reason alone.
Now, that it's 4 years later, Chris has met up with a motley crew who is plotting a bank robbery. He works for a bank and has ambitions to go further. He joins the thieves and then turns on them.
The picture may be described as being dull. Chris takes notes and his writings are like those of a 2nd grader.
The one good thing about this film is the performance by his blind friend, well played by Jeff Daniels. I have always thought of Daniels as a superior actor since I saw him as Shirley MacLaine's son-in-law in the memorable "Terms of Endearment." Since then, Mr. Daniels has been in a variety of bad pictures and this one is on par with "Dumb and Dumber." Let's call it "Dumbest." This guy is talented but is not getting the proper material to work with.