Matt and Grace Needham used to have it all: a luxurious lifestyle, a high income, utter contentment. But Matt is on the downward slide, jobless and drinking heavily as the debts rapidly mount. Escaping alone on a luxury holiday to Miami courtesy of concerned friends, Grace meets the enigmatic Julian Banks. Desperate for comfort and company, she sleeps with him. But it is only when she returns home that she discovers that this was no one-night stand with a stranger......