 In a candle-lit restaurant, couples dine. Sarah and Don, on their third date, are melting in each other s gaze. When she goes to powder her nose, a brisk salesman sits down next to Don. He s Phil, selling insurance for a broken heart. Soon Don is actually interested in the terms of the contract: counseling, a cook provided for six months, replacement of any albums lost in event of breakup. There s wardrobe consultation, patented lines to feed your friends so they won t think you blew it, and, to clinch the deal, Phil s company, Mutual Love Life, provides a loaner. But, before Don can sign on the dotted line, Sarah comes back from the ladies  room with something on her mind.