As an insurance actuary, it's Brighton Smith's job to assess risk and avoid bad investments. But when her fiance calls to confess he's married someone else on a whim, she snaps.That night, Jake Sorenson - hot, rich and way out of her league - buys Brighton a cocktail. At midnight, she kisses him. By dawn, they're exchanging vows at a drive-through chapel. Now, after a lifetime of playing it safe, Brighton's finally having fun. Until the whirlwind romance gives way to painful reality and she must decide whether to cut her losses or take a leap of faith.