What Lies Beneath (2000)

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Norman Spencer, a university research scientist, is growing more and more concerned about his wife, Claire, a retired concert cellist who a year ago was involved in a serious auto accident, and who has just sent off her daughter Caitlin (Norman’s stepdaughter) to college. Now, Claire reports hearing voices and witnessing eerie occurrences in and around their lakeside Vermont home, including seeing the face of a young woman reflected in water. An increasingly frightened Claire thinks the phenomena have something to do with the couple living next door, especially since the wife has disappeared without apparent explanation.