That is the question Kinsey Roberts has once she becomes impossibly tangled up with an online romance. Who can it possibly hurt, right? After all, she's never even met Nathan. It's been innocent. But things will change! When her married lover presents Kinsey with a holiday trip, by herself, to a tropical beach cottage, she uses the opportunity to hook up with her chat room romance, Nathan. Their one night of passion will have the most unexpected consequences!