HUMAN CAPITAL begins at the end, with a cyclist who is run off the road by a careening SUV the night before Christmas Eve. As details emerge of the events leading up to the accident, the lives of the well-to-do Bernaschi family, privileged and detached, will intertwine with the Rovellis, struggling to keep their comfortable middle-class life, in ways neither could have expected. Dino Rovelli, in dire financial straits, anticipates the birth of twins with his second wife. Meanwhile, Dino's teenage daughter's relationship with hedge-fund manager Giovanni Bernaschi's playboy son complicates an already tricky social dance of status, money, and ambition.