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After Frederica Calhoun's fiancé, Jack Rawlins, a cowboy on her father's Montana ranch, accepts a job offer in New York, she meets the elegant, refined and monocled Lord Cecil Grosvenor, who is fascinated by the exuberance that "Freddie" exhibits in riding and lariat dancing. Piqued that Jack has not written her, Freddie accepts Grosvenor's marriage proposal and accompanies him to visit his sister, Mrs. Brooks, in New York. Succumbing to society's allure, Freddie transforms into a belle, but when Jack, whom she invites to a swimming party, rescues her from drowning, she realizes that she still loves him. After overhearing Grosvenor accept a date to go to the French ball with Elaine, his old flame who dances at the Winter Garden, Freddie dons men's evening clothes to observe them. Late that evening, Mrs. Brooks, peeping through Freddie's keyhole, thinks she sees a man. Relieved to have an excuse to break the engagement, Freddie marries Jack. Before leaving for Montana, they say goodbye to Grosvenor, who admits that although Freddie did not become Lady Grosvenor, she is "a lady at heart."