When Gary Reece, a mild-mannered accountant, can't pay his gambling losses, he finds himself in direct conflict with a large, unfriendly, street-smart black man named Keyshawn. At first Gary thinks that Keyshawn might beat him to death. Then Gary thinks that Keyshawn is only going to humiliate him in front of his wife, Heidi. But once Keyshawn sees how sexy Gary's wife looks in her black lacey teddy, the crafty black man comes up with another way Gary can pay him back. Fortunately for Gary and Heidi, they were already planning on having a baby.