Thirty-year-old Viktor Leth, sheltered all his life by his overly fearful mother and living through old Danish films, is thrust into reality when she dies and he seeks out the estranged father he believes to be a jazz musician, just to find Charlie running a failing insurance company instead. Discovering Viktor’s uncanny knack for the business, Charlie enlists him to save the firm just as Viktor falls for the perpetually unlucky Josefine.

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