In the fifth episode of DTF St. Louis, Plumb and Homer confront Carol about the life insurance policy. Carol asserts that she had no idea Floyd had life insurance because the premiums would have been a financial burden for them. When asked about any previous convictions, she mentions compliance with Y-4 law. After the session, they discover that Carol has a sealed conviction.
At the detention center, Clark speaks with his lawyer, who wonders why he didn't ask for one earlier and had agreed to talk to the detectives. It turns out that there's more to their story, and although he disclosed about the life insurance and affair with Carol, he didn't want to discuss the rest because it would hurt Floyd, whom he loved.
Regarding the affair, it's revealed that Floyd knew about it and was happy for them. He wanted to be part of it and watch them during their dream sessions. When he went to talk to the hotel's management, he was applying for a friend's discount on the room through the hotel's Old Friends program. Plumb also sees the refunds to Carol's card from the hotel and pays a visit to enquire about them. She learns that Floyd, Clark, and Carol were involved in a threesome. They would be seen going in and out of the suite together.
One time in the middle of a session, Floyd, who was watching from the closet, ran out to help a young, visually and hearing-impaired teen from falling into the pool. Homer pays Plumb a visit to her home in the suburbs, curious about Clark's second recumbent bike. Plumb updates him about the threesome relationship, and he is baffled. He always thought that since the case involved suburban people living normal lives, it was a simple, open-and-shut case. A wife has an affair; the husband finds out about it, the wife tries to break it off with her love affair partner, who had gotten attached, and he kills the husband. As a big-city cop who worked in Chicago for 20 years, he realizes he made a mistake by assuming people from the suburbs were normal.
The next pivotal clue in their investigation was the second bike, which was not where they had assumed it would be—in Clark’s garage. Additionally, there was a text from Floyd to Clark, warning him that what she was doing with Carol was not right and that they needed to talk. It soon became clear that the text wasn't about Floyd's unhappiness with the affair but rather a critique of Clark's sexual technique.
During a late-night conversation in his car, Floyd opened up about his desire to have a dream session with Carol, but due to his disease, he needed some Viagra to get an erection. Floyd then shared more about the story that led to the curvature. He was heading to an interview for a job in financial trading when he saved a man from being run over and gave an interview to a reporter. He claimed that the person's parents were the real heroes because they never gave up on their child. However, he got distracted and was involved in a traffic accident, breaking both his wrists. In an attempt to open an umbrella, he wedged it between his legs, but a motorcycle sent it flying. Miraculously, the umbrella flew back to his arms, and he headed to the interview. While there, he saw ASL through the window of the Deaf Center and finally found his calling. He never went for the job interview, and Carol was furious.
In the end, the cause of the penis curvature remained a mystery because, despite all this information, we still didn't have the full story. Although the drugs he needed were over the counter, they couldn't be taken with his heart disease, so his doctor wouldn't prescribe them. That's when he asked Clark to get him Amphezyne. Clark hesitated because Floyd had said that if he didn't take the right dosage, it could be dangerous, but eventually he agreed. With the drugs, he was ready to try a dream session with Carol, and she was excited that he wanted to try being intimate again. But he wanted Clark to watch too, in the closet, as he had done before. During their conversation with Clark about it, he mentioned that he would be using Amphezyne and explained to her that taking too much of it would kill him.
Meanwhile, Homer and Plumb investigated the second bike and found the repair shop where Floyd had taken it. They learned that a very intense woman had picked up the bike. The clue led to Carol, so they obtained a warrant to search her garage, where they found the recumbent bike. Now they knew that Carol had the second bike, and the question on their minds was whether Carol was capable of killing her husband. To understand her better, they needed to unearth the sealed case, but it was difficult to ask for files on a sealed case. Homer suggested that Plumb might consider crossing some ethical boundaries to get a full background check on Carol, as she was head of special crimes at Twyla. She considered it, and at the end of the episode, she applied for a job in the police department in Carol's name.
