DTF St. Louis is back and we’re following the money aka the life insurance. Episode 4 is a wild ride: surprise bangers (Thunderboys!), a wine-trail bromance that’s maybe more than a bromance, and an ending that drops like a clap of thunder. As suspects multiply, Carol’s money stress gets real, Richard’s volatility raises fresh questions, and “Modern Love” delivers a clue that could crack everything open. Plus: a former St. Louis detective joins us to separate TV cop fantasy from real-world murder math and he’s got theories. Email us at DTFSTL@firstalert4.com with your comments.