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Tom Riley sells insurance policies while privately daydreaming about being a private detective. With fantasies much livelier than his real life, into his life walks Marla Meyers, a six–foot tall semi–supermodel. Accident–prone Marla has been ordered to get insurance for her face after she tripped into a dress dummy and got a black eye. Before she can collect on the policy, Tom must watch Marla's face for the next 30 days.