Chloe bails on a charity Christmas party, and when her taxi crashes, the ghosts of Christmas Past, Present, and Future, appearing to her as the three other ladies, show her the error of her ways.

Lola's average-looking boyfriend Fletcher is rushed to the hospital after a mysterious heart attack which appears to have been caused by Lola's sex appeal.

Ava wonders if her happy marriage is in trouble and feels a little guilty when sparks fly between her and a client named Alec who, like her, has a much younger partner.