When shy, scholarly Clowance Masterson travels to Key West to rescue her multimillionaire grandfather from another of his madcap misadventures, she instead falls under the seductive spell of her grandpa's new associate, Shady O'Grady, and becomes part of the handsome diver's passionate quest for the sunken treasure of a Spanish ghost galleon. But while she's falling in love, Clowance also fears that Shady's shady past is catching up to him...