You’d think he’d be grateful when she saves him from drowning, but Jack is living in his own private hell after the death of his wife.
Frances thinks he’s a rude, insufferable idiot. When Holbrook arrives and dazzles the neighborhood with his glorious regimentals, Frances does not care for him, but her mother, dazzled by his looks, claims that he’s admirable husband material even if he is without funds. He thinks Frances is just the heiress for him.
Then the newspaper publishes an ugly letter that, without naming Frances, questions her recent actions and her reputation. Horrified, she believes Jack is the culprit and challenges him…