Craving the cover...

To all authors out there, I have a question. And I'm pretty sure Alison Tyler covered this at some point, but I'm asking again anyway.

Have you ever written a piece simply for the fact that you knew what cover you HAD to have?

Because I have the perfect cover idea that I'm dying to use. The right spot, the right male model in mind (I'd love to be the female but my hips are just WAY too big), the font (no title yet though). I know the lighting, the image fading...god I can see it all in my head.

But I don't have a fitting story to go with it. And that's the frustrating part!!!!

How about you guys? Has this happened to you? Any advice on how to pluck the perfect story for the cover from the swamp of ideas that is my mind?