Ray and Ruby Tebbutt are a Norfolk couple struggling to pay off a loan they could not afford. Peter Petrik, a small-time Czech film director, is involved with an Irish arms smuggler. Dominic Mayor, a British millionaire with a cold past, made his fortune by manipulating the stock market. All four people's lives are taken by a terrorist bombing in a small British seaside hotel. In REMEMBRANCE DAY, an American academic examines the details of the victims' lives and histories to find the relationship between them and their fate.