A simple jeep accident and the end to a military career, enough to send a man into a permanent funk. A San Diego beach town proves to be a poor place to lick the wounds of battle and career loss. If the resident zanies are not enough, there are the rotating tourists who rent for a week. Among them, Lia, the beautiful Brazilian temptress, a giddy sorority and Howard Grout, who's in tiles. It's no wonder Choppy's psychiatrist sees his progress as slow, at best, and why Choppy does not share with him the incidents of confrontation which seem to occur all too frequently. Much like the beach culture itself, the women in Choppy's life range from the erratic to the illusive. But even romance can't be simple for Choppy Spencer and the danger to the women becomes one more test of his own courage.

Valerie Dubois loses her credit cards, passport and driver license to a purse snatcher. Her stolen identity takes on a life of its own when the credit card companies and the police prove inept in catching the thieves and relieving her mounting card debts. Her success in making contact with a huge identity theft ring brings her closer to clearing her name and introduces her to an unexpected romance. But credit card debt becomes the least of her concerns when she finds herself in the middle of murder and the struggle for control of a fortune in stolen money and property. At the same time airline pilot, Captain Marv Lambert, is facing another kind of debt. His Las Vegas markers mounting on a seemingly endless string of "bad luck," he is considering the offer of a mysterious foreign group to hijack his own plane. The three million dollars offered would settle his money problems, if he were alive to collect it. Combining the unlikely worlds of identity theft, women's fashion, Las Vegas high rollers and ransom on a grand scale, the lives of Valerie and Marv veer toward collision as two "normal" people speed down separate paths of chaos.

A simple jeep accident and the end to a military career, enough to send a man into a permanent funk. A San Diego beach town proves to be a poor place to lick the wounds of battle and career loss. If the resident zanies are not enough, there are the rotating tourists who rent for a week. Among them are Lia, the beautiful Brazilian temptress, a giddy sorority and Howard Grout, who's in tiles. It's no wonder Choppy's psychiatrist sees his progress as slow, at best, and why Choppy does not share with him the incidents of confrontation which seem to occur all too frequently. Much like the beach culture itself, the women in Choppy's life range from the erratic to the illusive. But even romance can't be simple for Choppy Spencer and the danger to the women becomes one more test of his own courage.