Money certainly changes Jenner Redwine's life when she wins a lottery jackpot. But it also costs her plenty: Her father rips her off and disappears, her fortune-hunting boyfriend soon becomes her ex, and friends-turned-freeloaders give her the cold shoulder when she stops paying for everything. Flush with new money, Jenner can't imagine ever finding a place in the world of the wealthy. Seven years later, though, she's rubbing elbows with the rich, despite the fact she still feels like a party crasher. Luckily she finds an ally--and a guide to the rarefied realm of privilege--in shy, kind-hearted heiress Sydney Hazlett, who quickly becomes Jenner's confidante and surrogate sister. When Sydney invites Jenner on a charity cruise aboard a luxury liner, Jenner reluctantly agrees. But while she's expecting--and dreading--two weeks of masquerade balls, art auctions, and preening glitterati, what she gets is more like a Hitchcock movie than a Love Boat episode.