In San Francisco in 1870, a
run occurs on a bank owned by Ada Stritch. In desperate need of $3 million to keep the bank in operation, she appeals to Rip MacCool, a wealthy man whom she despises. Also in need of Rip's help are newspaperman Johnny Sanderson and an old acquaintance named Flutey. They and Ada each have an issue with Rip from their past. Rip offers to deal a hand of poker: if Ada wins, he will give her the $3 million, but if he wins, he will take ownership of the bank. Everyone recalls how they first met. Fifteen years earlier, Ada, a widow, had a small hotel that she wanted to sell, and Rip and his pal Shocker were guests there. Rip wooed her romantically, then offered her $3,000 cash plus shares in the Mona Lisa gold mine. Ada accepted, only to learn later that the stock was worthless. Johnny was a prizefighter, and after a defeat, Rip helped him find a job. Rip was broke but suddenly discovered that a vein of gold struck at the Mona Lisa mine had increased the value of his stock to $250,000. Johnny loved a beautiful singer named Lily Douvane, but she married Rip for his money, leaving Johnny heartbroken. They had a baby boy and named him after Johnny. It was a loveless marriage, and when Lily caught Rip in a compromising position, she demanded a divorce, $1 million and custody of their child. Johnny cared about the baby and for Zoe, the nanny. Rip interfered again, proposing to Zoe and then angering her, as well as losing his fortune. Zoe mortgaged their home, and she also was pregnant. Rip regained his money, thanks again to the Mona Lisa mine, but lost both Zoe and his new baby in childbirth. Shocker explains to those present how Rip became a cold-hearted man. At 16, unable to fund his parents' funeral, he worked with Shocker in a mine, and money came to mean everything to him. After hearing this, Ada agrees to the winner-take-all offer of a poker hand. Rip gracefully loses and the bank is saved, but all suspect that Rip, having a heart after all, intentionally held the winning hand. ==Cast==