While siphoning bank funds, computer-wise lovers spot a plot to sink the Federal Reserve.

A bunch of young people are invited to a Caribbean cruise on a gangster's yacht, to distract the attention of the authorities. Unfortunately, a mutant cat which escaped from a test laboratory also gets on board, and kills most of the passengers.

When Terry Griffith loses her high school's writing competition, she's convinced that it's because she's a girl. So Terry decides to change high schools and pose as a boy to prove her point. Her brother, Buddy, helps her pass as a guy so well that she is soon making friends with the boys at school, including the attractive Rick, who becomes her new best friend. But her gender-swapping makes things difficult when she falls in love with him.