Jimmy's lady friends are attempting to blackmail him, and he, afraid that Sue will find out about them, enlists Billy's legal help to discreetly ease the girls out of his life. Billy suggests that Jimmy take refuge in Philadelphia. Unknown to Jimmy, Billy decides to take Tom and meet the three ladies in the Smiths' home in Atlantic City, Chickadee Cottage ("Call of the Sea"). Sue and Lucille, hearing that both their husbands will be away on business, also decide to take a vacation to the cottage.