- The destinies of two families are irrevocably tied together after a cyclist is hit off the road by a jeep in the night before Christmas Eve.
- Dino Ossola, a small-time real estate agent who dreams of bigger things; Serena Ossola, his teenage daughter who dates a spoilt rich brat; Carla Bruneschi, an actress who has given up her career to marry a wealthy businessman; Massimiliano Giovanni Bernaschi, her husband, a powerful player; Massimiliano Bernaschi, the troubled son of the Bernaschis'; Roberta Ossola, a psychologist, Dino's second wife ; Donato Russomano, a brilliant drama teacher who is stuck on Carla; Luca Ambrosini, a teenager frowned upon by others; an anonymous cyclist - They are all shareholders of the human capital. Errr - all? Really?—Guy Bellinger
- 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.
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