College and high school serve as the backdrop for two stories about dysfunction and personal turmoil.

A rush-hour fender-bender on New York City's crowded FDR Drive, under most circumstances, wouldn't set off a chain reaction that could decimate two people's lives. But on this day, at this time, a minor collision will turn two complete strangers into vicious adversaries. Their means of destroying each other might be different, but their goals, ultimately, will be the same: Each will systematically try to dismantle the other's life in a reckless effort to reclaim something he has lost.

A young lawyer and a businessman share a small automobile accident, and their mutual road rage escalates into a feud.

When a sports agent has a moral epiphany and is fired for expressing it, he decides to put his new philosophy to the test as an independent agent with the only athlete who stays with him and his former colleague.

Jack Clayton can only escape after his partner in crime Harry Zordich messes up a Christmas sales department store robbery in a Santa suit. Stuck in a rural small town, he finds himself forced to accept a menial job under the alias Oscar Burton as Santa in Sarah Gibson's nursery. Jack relaxes when invited in their home and proves a good substitute father for Sarah's frustrated fatherless daughter Noelle. Widow Emily Sutton's nostalgic Christmas shop completes his nostalgia, and becomes crucial when his ex-con cahoot turns up to plan a bank robbery. Sarah's admirer keeps warning the sheriff against 'Oscar', who meanwhile teaches the town how to fight off competition from the city mall.

An eight-year-old troublemaker must protect his house from a pair of burglars when he is accidentally left home alone by his family during Christmas vacation.