What happens when Jill Breckinridge, a serious college student, gives herself a deadline of her 22nd birthday to lose her virginity? A wild night beyond her wildest dreams, if Haywood King has his way. The catch? Jill insists on anonymity. Easy enough at a masked ball, right? But Jill finds out nothing is easy when it comes to her masked lover. In fact, everything is hard...very hard!