Julia Stonecypher (Olivia Newton-John), a widow struggling to make ends meet, is visited by Brian Harding (Gregory Harrison), an upscale banker who informs her that her house is being repossessed due to unpaid bills. After Brian's car crashes in a snowstorm, he recuperates at Julia's home with his family and becomes increasingly charmed by her kindness. As the holiday atmosphere sets in, an unlikely romance blossoms between Julia and Brian, as they wait out the storm together.
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