Geena Davis is ace reporter Gale Gayley, who literally falls into the story of a lifetime when she's a passenger on a airplane that crashes into a Chicago bridge. In the smoke and darkness, she's saved by a rude, foul-mouthed "hero", who promptly disappears into the night..leaving only his shoe behind. When Gale's TV Station offers a million dollars to the mystery hero, a gentle Vietnam vet (Andy Garcia) appears to claim the prize - and share it with the city's homeless. But this screwball Cinderella story is complicated by the fact that the real hero is a small-time crook (Hoffman) whom nobody believes. Both men have something heroic inside, as well as something to hide, and it's up to Gale to discover the true meaning of courage.