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Chloe, who lacks the holiday spirit, ends up in a cab accident while rushing to buy a last-minute gift for Ava's toy giveaway. While in a state of limbo, Chloe is escorted on a journey by the three Ghosts of Christmas: Emerson, Lola and Ava -- from her past, present and future -- and they show her how her way of thinking will affect her and those she cares about.