Kit O'Brady is a gambler on a loosing streak that has lasted for 107 years. It all began in 1888 San Francisco, when Amanda wins Kit's casino from him at poker.
Today, they still hate each other, and Amanda comes to visit Duncan the same day Kit arrives in town, desperate to buy a racehorse named Double Eagle, hoping it will end his streak. Duncan manages things so Kit and Amanda wind up joint owners of Double Eagle.