This ticking-clock thriller has a lot to recommend it. Reviewers complained it strains credibility, but they always do with mysteries and thrillers. That's like complaining that there's no such thing as a light saber. Get with the program, critics! If you want to talk about plot holes and coincidences, let's talk about Oedipus the King.
I liked the low stakes in this movie. One decent but flawed guy (Denzel Washington) gets in over his head by devising a scheme that is partly noble, partly selfish. If it all goes wrong, the worst that can happen is a small town in Florida has to get a new police chief. Leave global domination to the James Bond franchise. Give me one relatable character to root for.
Whether or not you like the basic noir plot involving a guy putting it all on the line to save a damsel in distress (and getting some ugly surprises), you have to admire the performances in this movie. I vaguely recall seeing it in a theater sixteen years ago, and I vividly recall walking out and asking, "Who is she?"
"She" is Eva Mendes. She plays the no-nonsense cop who follows the evidence even when it threatens to lead to her almost-ex-husband. She matches Denzel's intensity and credibility without breaking a sweat (and this is in Florida!).
The same can be said for Sanaa Lathan, who plays the damsel in distress. In fact the performances are uniformly good in this movie with Chris Harrison playing the heavy, John Billingsley as the comic sidekick, and so on down the line.
If you go looking for it, watch out for other films with the same title. Several were released at around the same time as this one. One was released last year. There's also a TV series called Out of Time.