Kevin decides to start his own business, but his interview with the loan officer does not go to well.

As Kevin struggles to secure a loan, Darryl offers to help him out.

Holly leads a business ethics seminar as a result of Ryan's scandal, and when Michael encourages everyone to share their own unethical work behaviors, things get out of hand. Meanwhile, Jim messes with Dwight by requiring him to follow the Dunder Mifflin "Time Theft" policy.

Dwight's loyalty to Michael is tested when he finds a new hero in Charles. Meanwhile, Andy tries to provide for all of Jim's emotional needs.