It's Valentine's Day, and Maxwell decides to diffuse the whole "love" situation with Fran by giving her a gag greeting card. Big mistake. Later, Fran and Sylvia are at the bank when it gets held up. News of the hold-up quickly gets back to the Sheffield household. What the hostages at the bank quickly find out is that the bank robber, Leslie Tilbert, is a meek man and an inept bank robber.