Raymond Yale (David Roberts) and Carla Smith (Claire van der Boom) are lovers in a small Australian town living across the river from one another. However, both are already married; Raymond to a loveless wife and Carla to a domineering petty gangster Greg "Smithy" Smith (Anthony Hayes). Ray and Carla plan to leave their respective spouses and run away together, although Ray insists that they delay until he has enough money to ensure a new life together. As a foreman overseeing the construction of a new leisure resort for property developer Gil Hubbard (Bill Hunter), Ray has been doing underhanded deals with construction worker Barney (Kieran Darcy-Smith) for the hefty kick-backs which he hopes will eventually land him enough to run off with Carla.In the meantime, Ray and Carla are forced to conduct their affair in secret, occasionally made awkward by meeting each other at local events and by Carla's dog periodically escaping and instinctively running to Ray's house to meet his dog. One day, after returning home from work, Carla sees Smithy wiping blood off his hands and stashing a duffel bag full of cash into their ceiling; presumably the loot from an armed robbery conducted by Smithy's gang. Carla tells Ray, insisting this to be the end of their financial troubles, and although he is initially hesitant she finally persuades him to steal the money.Ray devises a plan. He will need to burn the house down so Smithy thinks the money was simply destroyed rather than stolen, a job for which he hires the local arsonist, Billy (Joel Edgerton). Carla will first steal the money from the hiding place and then Billy will arrive and set a fire to make it look as though it was caused by faulty Christmas tree lights.While the whole town is at the Christmas celebration, Carla sneaks back to the house and takes the money from the duffel bag. However, on return she overhears Smithy phoning his mother and asking her to go to his house (the one Billy is planning to burn down) and feed his dog. Carla alerts Ray who quickly tries to ring Billy, but is only able to reach his sister Lily (Hanna Mangan-Lawrence). With his phone dying, Ray tells Lily to abort the plan but Lily is unable to alert Billy before he leaves. Billy breaks in and sets the fire, unaware of Smithy's mum sleeping on the lounge. Consequently, she dies in the ensuing blaze.Thus things begin to take a downward slide for Ray and Carla. Lily neglects to tell Billy about Ray's call aborting the plan, causing Billy to think he has been duped unwillingly into murdering an old lady. Smithy, devastated by his mother's death, then discovers that the money had, in fact, been stolen, and begins to search ruthlessly for the culprits. And Ray's life is further complicated when someone starts sending him Christmas cards threatening to reveal "what you're up to" unless a $10,000 blackmail is paid. What follows is a quickening spiral of murder, suspicion, violence and deceit with shocking consequences for the two lovers and everyone around them. Every time someone discovers something about Ray, they end up dead in some accident caused by Ray trying to stop them. The blackmailer is discovered to be Barney and his wife (who have been scamming people by providing kick-backs and then blackmailing them). Ray goes to Carla's house so they can run off together only to find Billy. Billy demands the rest of his money and Carla gives him the bag full of money she and Ray were going to run away with. As Billy forces Ray and Carla on their knees, Smithy walks in and pulls a gun on Billy. In the fire exchange Smithy is killed and as Ray tries to take the gun from Billy, Carla is shot in the head. Billy leaves as Ray weeps over Carla's body. Ray walks off down the road in shock from the events.
Output: Question: Whose mother was in the house when it burned?, Answer: Greg "Smithy" Smith