When retiree Jerry Selbee discovers a mathematical loophole in the Massachusetts lottery, he and his wife Marge go on an exciting multi-million dollar winning spree to revive their small Michigan town. But when a selfish college student cheats the system, Jerry must find a way to make the game fair for all.

Cello-playing cop Jack Friar searches for a teenage runaway on Turk Street and ends up in the home of an elderly couple. The house also turns out to be the headquarters for a gang of criminals who are planning a bank robbery, and Jack is quickly held hostage. When Jack is left alone with the leader's girlfriend, a master manipulator of the gang, he teaches her to play the cello and the two share a mutal attraction. Jack can't decide if she's for real...