When Max (Eric Stoltz), urged on by "Risk Management," a self-help book for the hapless, decides to approach his fellow ferry-commuter Rory (Susanna Thompson), he hopes simply saying hello might change his life for the better. But Rory only accepts contact by contract. Max finds he can play along. As the two negotiate a whirlwind relationship on paper, Rory slowly lets down her guard; but when her unresolved personal life intervenes in the form of Donald (Kevin Tighe), Max must manage a little more risk than he bargained on.