When Phoebe Cartwright finds Sinn Tørrissen, a naval officer and meteorologist, frozen half to death in the middle of a thunderstorm, she believes she's saved his life. Sinn, unfailingly competent and infuriatingly arrogant, disagrees. In Phoebe's small country town to track down the members of an illegal horse-racing syndicate, the last thing he needs is to become entangled with Phoebe. When she learns her younger sister could be implicated in their father's dishonest accounting for the syndicate, Phoebe insists on working with Sinn to uncover the truth.