Ryan's been in an accident that hurt his leg badly. He does everything he can to convince himself that nothing's changed - surfing included. When he hits his head on the board he gets rescued by a lifeguard. To add insult to injury it's a female lifeguard one that he feels attracted to. If only there wasn't a small problem...
Maddy just decided to try and change, no more being Miss Fix-it, she only wants a sexual relationship for a change. Of course that isn't as easy as it sounds, especially when she begins to fall for him.
I had a lot of problems with Ryan. IMO he acts condescending to Maddy. He's older, much more experienced and has no problem with making that clear and taking advantage, I have no idea why she put up with him. He's commitment phobic, but that's expected.
And Maddy's phobia of having sex with her boss was a bit odd, but she did have her reasons.
One thing that was different is that problem of Ryan's. He's impotent, and when he actually gets aroused by Maddy he tries to take advantage of it by being quick. Maddy didn't enjoy their first time, and this has got to be one of the few times a HP hero wasn't a god in bed all the time.