While home from college for the summer, Beth gets caught up in the erotic affairs of her very naughty neighbors. Innocent skinny-dipping and voyeurism progresses to blackmail and demanded sexual favors. Finally Beth and her younger brother conspire to get revenge.
Betsy is turning 40 very soon and she takes time to recall her past. Some of the things she did, especially the sexual affairs, still sent shivers up her spine.