Plot
Nicholas Van Orton is a divorced investment banker in San Francisco. He is haunted by the death of his father, who committed suicide on his 48th birthday by jumping off the roof of the family mansion. For his 48th birthday, Nicholas's estranged younger brother, Conrad, gives him an unusual present: a voucher for a game offered by Consumer Recreation Services (CRS). Nicholas goes to the CRS office and takes a series of examinations. To his irritation, he is informed that his application has been rejected.
Nicholas returns home to find a wooden clown in his driveway. The news anchor talks to him through his TV screen, saying he is being watched by a camera in the clown's head, and gives him the number for a CRS 24-hour emergency hotline. He warns Nicholas not to call the hotline asking about the object of the game, as "figuring that out is the object".
Nicholas receives a note telling him to follow a waitress, Christine. When she helps a sick man in the street, they ride in the ambulance with him together. In the parking lot, the power is cut and everyone leaves suddenly. Nicholas and Christine escape the building and are chased by dogs through the streets. Afterwards, Christine tells Nicholas she was bribed to attract his attention.
A panic-stricken Conrad visits Nicholas and apologizes, claiming CRS has attacked him. When Conrad finds CRS keys in Nicholas's car, he accuses him of working for them and runs away. Nicholas abandons the car and gets in a taxi. The driver locks the doors, jumps out of the car and sends it into San Francisco Bay. Nicholas escapes using a tool left for him a day before. He goes to the police, but they find the CRS office abandoned.
Nicholas finds Christine's home and discovers everything in it is fabricated. When she tells him they are being watched, Nicholas attacks a camera and armed personnel swarm the house. Nicholas and Christine flee to a Van Orton home outside of the city. Christine tells Nicholas that CRS has drained his bank accounts by guessing his passwords using the psychological tests he completed, but when Nicholas calls his lawyer, he tells him his money is intact. Nicholas realizes Christine has drugged him. As he loses consciousness, she admits she is part of the scam and says he made a fatal mistake in giving his banking code over the phone.
Nicholas wakes entombed in a Mexican cemetery. He sells his watch to return to San Francisco, and finds his mansion foreclosed and most of his possessions removed. He contacts the hotel where Conrad was staying, and is told he has been committed to a psychiatric hospital. Nicholas retrieves a hidden gun from his home and finds his ex-wife to ask for help and apologize for his neglect. He recognizes Jim Feingold, the CRS employee who conducted his tests, in a television commercial and realizes he is an actor. He finds Jim and forces him to take him to the real CRS office. There, he takes Christine hostage, demanding to see the head of CRS.
Pursued by CRS guards, Nicholas takes Christine to the roof. Christine frantically tells him it is only a game: his finances are intact, and his family and friends are waiting on the other side of the door. When the door opens, Nicholas shoots the first person to emerge: Conrad, bearing a bottle of champagne. Nicholas tries to commit suicide by leaping off the roof, but lands on a giant air cushion in a banquet hall. He is greeted by Conrad and the rest of the actors from the game. Everything was staged for Nicholas's birthday present. After the party, Christine, whose real name is Claire, leaves for her next job and invites Nicholas for coffee at the airport.