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Twelve-year-old Ben must cope with the loss of his father, who died the year before, and his mother's overprotectiveness when he enters the annual Striped Bass Derby on Martha's Vineyard.

When his family runs low on funds while on a trip to Toronto, nine-year-old Sam allows himself to be "borrowed" and entered into a contest to find the Perfecto Kiddo, hoping to win $10,000.