Single mom Libby Grayson has had bad luck with unstable men, but when she meets Irishman Declan O'Shea, he takes the cake. Not only does he claim to know the location of a buried treasure and that the medallion he wears is a magical amulet given to him by a gypsy, Declan confesses during a night of passion that he's really an Irish sea captain, swept onto Libby's Florida beach after a shipwreck more than two centuries ago.