With his family now numbering nine and their reserve funds dwindling each month, Bob Garrett decides to accept the advice of his superior and seek more detailed banking knowledge through a series of special courses offered at the University. It is suggested that doing so might enable him to obtain a promotion to the bank's next level officer position and a higher salary. It is during the period he is making that effort that a major tragedy occurs which affects not only the Garrett family, but the entire nation as well.