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Carmen is a middle-aged housewife with two teen-aged children and a husband. The family has been living a comfortably middle-class existence. Carmen is shocked to discover that her husband has been unemployed for months without telling her about it. Desperate to pay their mounting bills, she hits on a scheme to acquire the money she needs by robbing a bank run by a neighbor of hers. She disguises herself by wearing sexy clothes, but once at the bank, she is so petrified that she forgets how to rob it. Fortunately, the child of one of the bank customers coaches her, and she succeeds in taking the manager (her friend) hostage using the threat of her toy pistol.