The year is 2007 and twenty percent of the state of California is employed in real estate. Mortgage banks are on a hiring frenzy when hotshot Mortgage Broker, Devin Weiss lures the financially burdened Jason Kelley into this world of financing other people's dreams. He convinces Jason that to win in this business cheaters do prosper and everyone is doing it from the Appraisers to the Bond Traders. Jason throws his moral compass to the wind and spins out of control all the way the Mortgage Brokers convention in Las Vegas where he learns his new world is booming on a foundation of quicksand. The quagmire of ruin escalates into the indeterminate ending of both the film and the continuing saga of today's global economy.

Morgana, sister of Ursula, almost steals the baby Melody from her parents, Ariel and Eric. To protect Melody, she's told never to enter the ocean, but by her 12th birthday, she's been swimming there for years. She discovers the magic locket that was to be her christening gift, which makes her visible to Morgana. Morgana tempts her by offering her fondest wish, to turn her into a mermaid; however, to remain a mermaid, she'll have to steal the magic trident from King Triton (who, unknown to her, is her grandfather). Meanwhile, all the sea creatures are searching for her. Along the way, she joins up with comic relief sidekicks Tip (a penguin) and Dash (a walrus). When she returns with the trident, Morgana's evil nature is revealed, and there is a massive battle of good and evil.