Michael, Kyle's brother... exNavySEAL... a year ago, a mission went sour and he lost his eye, and his best friend/partner, and his career to Trevor Church - a chopshop yacht stealer, and arms dealer, murderer, selfish prick.. Michael is afraid of being in the water, and has been fighting his fear the last year...He has spent a year gathering intell and making plans for vengence...
Tally Cruise, a plain looking woman (who's rear was nice) spent her childhood with her mother traveling from country to country trying tp track Trevor down - so she could hook up with him for whatever short time she could manage ... she learned many languages and now works as an interpreter, she met him 16 times, and he was annoyed and disappointed in her... and especially over time, less and less tolerant of her mother... Tally wants security, wants a man to love her... but she is essentially well grounded, looks for the best in people, and is excited that her father invited her to his island, Paradise... she is afraid of the dark...
Arnoud, her father's right hand man and her 1st lover - that she booted after the weekend = is enacting plans to take over her father's businesses, kill her father, and kill her to get her inheritance to her half sister, his new lover... He arranged for her to come to the island after his attempts to have her killed in Chicago failed she thinks she is there to see her father.
Michael watches her on a yacht with Arnoud - as a storm is approaching - and sees the yacht explode... she is thrown out to sea and swims to Michael's boat and is rescued, and they ride out the storm... they of course fall into bed - he manipulates it so that it is dark, and she needs his comfort... and you get the picture...
and Michael is using her as an unexpected help in his plans... she takes him & his yacht into the harbor for repairs, getting him easy access to the island - to locate the arms that Trevor stole...
they spend the next 4 days getting to know one another - no more sex... exploring the island (on his own he finds the cave with the arms)... kissing... she is again attacked (and grabs his 'jewels' and tosses him off the balcony), and her room ransacked (by her unknown half sister)... and he plants special explosives with the arms, put together in a way that they can not be defused - even by Michael...
And all of the players are finally together... Tally finds out what a bad guy her father truly is (especially when he kills his daughter)... she's a bit angry at Michael when he sees he used her, but her common sense comes to the front, and she can see how things developed...
and the her father has her tied up in the cave while he tries to get the detonator back from Michael... Michael (with a few broken ribs) gets the upper hand, kills Trevor too fast - his TFLAC brothers make it as back up (a bit too late)... and he races to save Tally - overcoming his fear of the water to get to her - she has managed to get loose, and they swim out again, and run to safety...
and he tells her he loves her and wants her to stay with him... something she is more than happy to do...
and the story ends 6 months later, with his family all gathered together for Thanksgiving, and Tally & Michael planning a wedding. And when Tally plays with her pearls (which he had used to highly stimulate her in an earlier scene) at the table,, he races her away from the table saying she needs a nap - but you know what... he needs to have sex with her right now...
A funny scene is with Michael's cranky, persnickity 3-legged cat... who alternatly hisses and cuddles with Tally... and at Michael's father's home, with the cat appoints himself guardian of the baby - usurping thier Great Dane's role - the great dane won't get within striking distance of the cat, though he stays as close to the baby as he can...