As far as DTV action/crime thrillers go, this one is pretty good. Anything with Frank Grillo gets the benefit of the doubt, and they threw in Bruce Willis too, because they all go DTV eventually.

Jacob (Frank Grillo) is a family-man banker who gets traumatized after a heist. Should he have tried harder to stop the robber? What could his sorry ass do anyway? Enter James (Bruce Willis), ex-cop neighbor with the resources to help Jacob's unofficial investigation into the whereabouts of this dickhead villain.

So Grillo doesn't play his usual bad-ass action hero self, and Willis plays a pretty reserved character (for the most part) who says a few things and stands around for most of his scenes. I'm not sure when his mental decline began, but I suspect it was around this time. For what it's worth, it's actually not a bad performance out of him. I'm sure the DTV action crap he did after this was far worse.

See it. Or don't. I don't give a shit.