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Imagine you just got a fax that the Feds will be at your door in a matter of minutes. The government has remembered the taxes you forgot to pay and it's time to take an extended vacation. No problem, you can pack light and still get by with a little extra weight strapped around your midsection 28 lbs. to be exact, the weight of a cool million in hundred dollar bills.
Such is the case with corrupt businessman Carl Ridley (Bill Paxton). He let his greed get the better of him, and now heï¿½s on the run, his daughter Pippa (Agnes Bruckner) reluctantly in tow. Just turned 18, Pippa is not happy to leave her friends and comfortable life in Miami, even if it's for the exotic Cayman Islands, but Dad's in kind of a rush, so thereï¿½s no time for questions.
When they get to the islands, Ridley is preoccupied. Banks are rapidly closing and he's got to find a clean place to store his dirty money. In fact, he doesn't even notice that the bungalow he rented is already occupied -- but his daughter sure does. She finds native Caymanian Fritz (Victor Rasuk) sleeping off a late night in her bed, and when she walks in on him, he flees out the window, leaving his wallet behind. Suddenly Pippaï¿½s not so sorry about landing in paradise. She tracks down Fritz and discovers that the local bad boy is a real charmer whoï¿½s more than willing to show her the island, including its wild parties.
But Fritz has a dark side, too. He owes money to island gang leader Ritchie Ritch (Raz Adoti), and when he spies Pippaï¿½s dad handling a lot of cash, Fritz suddenly knows how to get Ritchie off his back. Unaware that sheï¿½s leading her father into even more trouble than he had in the United States, Pippa and her innocence are headed for a rude awakening.
Also about to have their innocence destroyed are young lovers Shy and Andrea (Orlando Bloom and Zoe Saldana), who finally consummate their passion, only to be discovered by Andrea's brother, gang wannabe Hammer (Anthony Mackie). Acting on his father's wishes, Hammer is bent on ending the relationship . . . no matter what it takes.