In a dreary Florida beach resort village, luscious-limbed lifeguard Raymond is the main attraction for girls. Teenager buddies Claire and Hailey became experts on him by observation, but never dared actually approach him, and after this closing summer season will be separated as one's parents move to Australia. Then they find a storm washed up in a pool a sassy mermaid, who promises them a wish if they help her prove to Neptune love exists, and Raymond is the only creature resembling a love-god.
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