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Sammy is a divorced mom, has an 8-year-old son, works as a loan officer at the bank, is making ends meet, dates a guy named Bob who doesn't excite her and hates her new boss. Terry is her easy-come, easy-go brother, one of those charmers who drives you nuts because you love him but you can't count on them. "You Can Count on Me," a film of great tender truth, begins as they meet again after one of Terry's long, unexplained silences.