Stephanie is shot off the cruise boat by a drug dealing women and Mitch jumps in to save her. They struggle to stay afloat in the water; Matt and C.J. win big in the casino; Summer gets worried when she can not find Mitch.

Mitch helps an Italian movie actress who ruthless robbers are stalking. He decides to help her capture them and finds himself falling for her. Meanwhile, Summer and C.J. help Guido pretend to be a lifeguard to impress his visiting mother.