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Brighton Smith doesn't do outrageous. As an insurance actuary, it's her job to assess risk and avoid bad investments. But when her fiancé calls to confess he's married someone else on a whim ("I looked at her and I just knew!"), she snaps. That night, at a local bar, Jake Sorenson--hot, rich, and way out of her league--buys Brighton a cocktail. At midnight, she kisses him. And by dawn, they're exchanging vows at a drive-through chapel. Brighton knows Jake is a bad bet, but she doesn't care. After a lifetime of playing it safe, she's finally having fun. Until the whirlwind romance gives way to painful reality...and Brighton finds out the truth about why a guy like Jake married a girl like her. With her heart on the line and the odds stacked against them, Brighton must decide whether to cut her losses or take a leap of faith that this love affair is one in a million.