When a terrorist who specializes in explosives takes hold of an underground tunnel, he threatens to kill hostages if his demands are not met.

For never-do-well compulsive gambler Fong, there's only one thing more fearsome than debtors at his doorstep - having to coax a crying baby. But what if the baby becomes his golden goose to fend off his debtors? Can he overcome his phobia of diapers, milk bottles, and cloying lullabies?