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Richard Cutter isn't like most insurance investigators. Instead of being equipped with actuarial tables, he's armed with a handgun and a dismissive wit. "Why do you carry a gun?' asks the exec hiring him to probe a case of multimillion-dollar insurance fraud. "It's more effective than a hammer," Cutter replies. Patrick O'Neal brings unshakeable sangfroid to the role of Cutter in this zigzag tale of corporate cover-up and death that's le