Mrs. Sauve suggests that Holly J. takes an SAT prep course, but due to her family's financial difficulties, she can not afford it. Meanwhile, Fiona convinces her mother to let her stay in Toronto, to be with Holly J. Envious of Fiona's free spending of money, Holly J. uses the password Fiona told her in confidence to get into Fiona's bank account, and "borrows" $2,000 in an attempt to