Tonya is a classy and sophisticated woman who works at the bank for 12 hours a day. She believes that there's no such thing as love at first sight and loses herself in her work. Being the boss of at least 20 people in Chicago has given her a lot of responsibility, but not a lot of free time to express herself. There is an animal within her, something that needs to breathe, but she is afraid of the sexually open woman who is waiting to get out. Eventually, she meets up with a young man named Michael and soon begins to see him as a notch on her bedpost. Innocent flirting and touching on a train leads to wild, uninhibited sex.