Newly single, Julia Dunphy is back in San Francisco with her kids. Julia's new work in an aquarium shop unearths old memories of a whale watching business she once imagined, and of William Quinn, the man she imagined it with. When she learns that William has made a success of their ideas, she wonders if it's too late to finally make a success of their relationship. But Julia's already blown her first two chances at happiness with William, so a third one seems like wishful thinking. Then Julia learns that William’s family is drowning in medical bills, and she uses her prowess as a former paralegal to stick it to the insurance company. When William shows up to thank her, she dares to wonder - is a third chance with him possible, after all?