Unemployment has ravaged the U.S. economy. Foreclosures are rampant. People struggle everywhere, exhausted by the collapse that destroyed their lives . . .

Benjamin Cade is an expert in cognition and abstract literature, and before the flatlined economy caught up to him, he earned his living as a university instructor. Now, without income, he joins the millions defaulting on their loans—in his case, the money he borrowed to finance his degrees. But there are consequences.

Using advances in cognitive science and chemical therapy, Ben’s debtors can reclaim their property—his education. The government calls the process “Repossession Therapy,” and it is administered by the Homeland Renewal Project, the desperate program designed to salvage what remains of the ravaged U.S. economy. The data Ben’s repossession will yield is invaluable to those improving the “indexing” technology—a remarkable medical advance that has enabled the effective cure of all mental disorders. By disassembling his mind, doctors will gain the expertise to assist untold millions.

But Ben has no intention of losing his mind without a fight, so he begins teaching in the central park, distributing his knowledge before it’s gone in a race against ignorance. And somewhere in Ben’s confusing takedown, Chimpanzee arrives. Its iconography appears spray-painted and wheat-pasted around town. Young people in rubber chimpanzee masks start massive protests. A new use of the indexing technology shows up in bars across the country. It’s called “chimping” . . . named after the mysterious protest movement, and it uses goggles and electrodes to reverse the curative indexing process, temporarily (recreationally) offering those inclined a mental illness of their own choosing.

As Ben slowly loses himself, the Chimpanzee movement seems to grow. And all fingers point to Ben . . . or maybe the voice that speaks to him every time he uses the chimping rig. As civil unrest grows, and Homeland Security takes an interest, Ben finds himself at the center of a storm that may not even be real. What is Chimpanzee? Who created it? What does it want?

And is there even enough of Ben left to find out?