Jim Nash never learned to swim. That doesn't prevent him from continuing to allow himself to be caught up in one misguided scheme after another. He proves incapable of saying no, time and again, no matter how much he wants to quit.

This time, he's been dispatched south of the border on the Gulf of Mexico. Water, sailboats, yachts and women in bikinis continue to figure prominently in his endless quest for a semblance of normalcy in his life. And again, he won't say no, even when he can barely keep his head above water.

When he finally learns that his team will consist of a woman and former associate with whom he has had a sordid past, he's not happy. He still can't say no.

Jim has convinced himself that he needs the money to help out with his business partner's failing charter business on the Gulf coast. That's why he's has taken a final assignment. He's promised it will be his big payoff, but the deeper into the operation he gets, the less so it seems to be.

With his head barely above water, a drug cartel, a female assassin, and Gulf weather all conspire to prevent Jim from finding a future with the woman he loves.