A rash of daring bank robberies erupt in which the bad guys all wear the masks of worse guys--former presidents (nice touch). Johnny Utah (Keanu Reeves), an impossibly named former football star who blew out his knee and became a studly crime-busting fed instead, figures out that none of the heists occur during surfing season and all of them occur when, so to speak, surf's down. So obviously, he reasons, we're dealing with some surfer-dude bank robbers. He goes undercover with just such a group, led by a very spiritual, very guru-type guy played by Patrick Swayze, who has some muddled philosophies when it comes to materialism. If you can buy all that, this efficiently directed (by Kathryn Bigelow) action flick has some diverting moments (credit it, for example, for anticipating the extreme-sports fad). But Reeves' intelligent-sounding lines don't make him seem remotely intelligent and that plot makes him look positively brilliant. --David Kronke