Stella, at age 40, seems to have it all: a great job as a high-powered, high-salaried stock broker, a beautiful home overlooking San Francisco, and a bright, loving young son. She is a dedicated single mother, and a devoted sister and friend.

But she's lost her groove.

For what seems like forever, Stella has forgotten to have fun ... to take chances. But Stella's vivacious friend, Delilah, has the antidote for Stella's rut - a vacation to the golden, sun-kissed beaches of Jamaica, where the over-worked, enjoyment-deprived Stella can forget about her job, her high-maintenance sisters and being the perfect mother. It's time, says Delilah, for something - someone - to rock Stella's world.

The lush surroundings eventually work their magic. Stella meets, and is immediately attracted to, a Jamaican named Winston. He's handsome, intelligent, sexy, attentive, charming - and crazy about Stella. What begins as a vacation fling begins to deepen. Stella is as captivated by this young man as he is of her. There's only one problem, and to her (and almost everyone around her) it's a big one:

He's only twenty years old.