Suffering County Courthouse. Helen has a representative from the insurance company on the stand. He explains that D'Ambrosio increased his insurance a couple of weeks before the fire. After the fire, D'Ambrosio filed a claim for the whole amount. They did an investigation and discovered that D'Ambrosio's firm was losing money hand over fist. They had suspicions, which they forwarded to the D.A., hoping they'd look into the case further. Helen wants to know why they paid the claim anyway. Well, the law says that they have to, or else the insurance company is acting in bad faith. They would be liable for a heck of a lot more if they didn't pay the claim.

Jimmy is up for the cross-examination. He brings up the fact that, if the insurance company finds out that D'Ambrosio did in fact plan the fire, they get restitution. Which means? They get all their money back and then some. Insurance Man X thinks he's entitled, if D'Ambrosio committed fraud. Blah triple damages blah. According to the guy on the stand, the law requires that they report all suspicious fires. But I thought that, just a minute ago, we heard the fire department was investigating the fire, hours after it happened. You know, solvent-smelling dogs and such. Why doesn't this make any sense? Insurance Man X lectures on how expensive arson is for anyone involved. Jimmy makes some lame move to strike his comments, and the judge refuses. The Lump stands there looking uncomfortable...or disappointed in himself. It could go either way.