Even the nicest girls have to be a little naughty sometimes. Though Sally Mae Frye has worked hard and played by the rules all her life, she wonders whether she's missed something along the way. She's already in her late thirties, and she's still single. She spends most of her time either working or dealing with her aging mother. And then she hires handsome, young Phil Winston to be her personal assistant at the bank, without even realizing he's a sweet guy with a kinky little fetish that will eventually turn her into the sort of naughty woman she's always fantasized about. Sally Mae can't ignore Phil's rough hands and the subtle bulge between his legs, or the way he tends to notice her when she leaves a room. At first, all it takes is a heavy snow storm and a sopping wet male assistant who likes to strip for his full-figured boss. After that, it's all about the way dirty, young Phil knows how bend Sally Mae over and use the palm of his rugged hand to please her.