A boat has gone missing. Goods have been stolen. There is blood in the water. It is the twenty-first century and a crew of pirates is terrorizing the San Francisco Bay. Phil is a husband, a father, a struggling radio producer and the owner of a large condo with a view of the water. But he'd like to be a rebel and a fortune hunter. Gwen is his daughter. She's fourteen. She's a student, a swimmer and a best friend. But she'd like to be an adventurer and an outlaw. Phil teams up with his young, attractive assistant. They head for the open road, attending a conference to seal a deal. Gwen teams up with a new, fierce friend and some restless souls. They head for the open sea, stealing a boat to hunt for treasure.