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A veritable chameleon, investigative reporter Irwin "Fletch" Fletcher might drive his editor up the wall, but he always produces great pieces for the newspaper. When his next story is about the drug trade taking place on the beach, Fletch goes undercover as a homeless man. Unaware of Fletch's true identity, businessman Alan Stanwyk offers Fletch $50,000 to kill him. Intrigued, Fletch decides to unearth the full story behind the offer.