A cocksure young Wall Streeter loses everything and, on Christmas Eve, must confront the person he hurt the most.

It's Christmas Eve in New York, and Ryan's down on his luck. He lost his well-paying job at Lehman Brothers, he's sparring with his fiancée Jennifer, and his ill-advised attempt at delivering cocaine resulted in disaster; he returned without the drugs, without payment, and with a black eye. He's afraid to meet the drug kingpin, Benbella; but he's even more afraid to run, so he arrives at the rendezvous with empty pockets. Benbella's nowhere to be found. Instead, Ryan encounters a Greek chorus of drunken Santas, an enigmatic snowman, a beautiful barmaid, a Tony Kushner enthusiast, a post-9/11 paranoiac, and a bespectacled financial analyst who tells him the story of "the standard man."—Peppermill Films