Fraternal twin sisters Emma and Lilly are as different as night and day. Emma, the beautiful blonde tomboy, would rather be riding a horse than anything else in the world. While Lilly, her shy redheaded twin, loves to be left alone to curl up with a good book.

Holly finds her world turned upside-down when she suddenly finds herself incapable of lying. (Don’t you hate when that happens?) It’s because of a wish her niece made to Santa Claus. And now, with Christmas coming up fast, she has to come to terms with her natural penchant to want to fib while trying to do the right thing. And that’s no lie.

Looking to escape her unhappy marriage, villainous femme fatale Bridget Gregory (Linda Fiorentino) convinces her husband, Clay (Bill Pullman), to sell cocaine, then steals the profits and runs out on him. She stops in a small town en route to Chicago, where she ensnares her next conquest, insurance man Mike Swale (Peter Berg). After getting a job at his insurance company, Bridget convinces Mike to run a scam — but things take a deadly turn when she recruits him to help get rid of her husband.