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The danger isn't in the water. As a lifeguard in Florida resort, Ned Kelly meets the woman of his dreams. It feels perfect except that she prefers caviar and Manolo Blahniks, and he is used to burgers and flip flops. So when Ned's cousin offers him a rich deal, Ned can't turn him down. It is just a fast break and enter. The risk is high, and the reward even greater - $5 million.