Jack Casey (Kevin Bacon) used to be a very good stock market player. After making a bad business decision, his life in the fast lane is over. loses his nerve and joins a company that uses bikes to avoid traffic in San Francisco. Terri, a fellow cyclist, is attracted to him and he becomes friends with Hector, who wants to start a business. A lot of people have lost their nerve and their self-respect. Can Jack get back on his feet?