Michael Douglas plays Nicholas Van Orton, a Scrooge-like San Francisco investment banker following in his father's Scrooge-like footsteps. On Nicholas's 48th birthday (the age at which his father committed suicide), his younger, free-spirited brother Conrad (Sean Penn) blows into town and gives Nicholas a special gift for "the man who has everything" -- a ticket to CRS (Consumer Recreation Services), a company that constructs games custom-fit for each participant to provide, as CRS salesman Jim Feingold (James Rebhorn) cryptically puts it, "whatever is lacking."
