Human Capital begins at the end, as a cyclist 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 Ossolas, struggling to keep their comfortable middle-class life, in ways neither could have expected. Dino Ossola (Fabrizio Bentivoglio), in dire financial straits, anticipates the birth of twins with his second wife (Valeria Golino). Meanwhile, Dino s teenage daughters relationship with hedge-fund manager Giovanni Bernaschis playboy son complicates an already tricky social dance of status, money and ambition.