Looking for a specific love triangle movie?

The movie starts out with a husband and wife at some sort of party where we are introduced to the two main characters, and then the best friend of the husband. The next scene I remember the wife calls the husband acting like a different woman. She then starts having an "affair" with her husband over the phone, in the midst of the "affair" we discover that the best friend is in love with the wife, and has always wanted to be with her. There is a part where the wife goes to the friend to borrow his boat, and the friend believes it is because she wants to have an affair. He gets upset with her because of this. Later the wife agrees to meet her husband at the hotel to finally seal the "affair". I think she either steals his clothes or handcuffs him to the bed.

Can't think of the movie title at all!!!