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forgetting her chores and, instead, picking up a horse magazine and mooning over some tall Kentucky-bred stallion, or turning on the television and becoming deeply engrossed in a Disney movie.

      After grabbing a laundry basket from the porch, she hurriedly unpinned the shirts and sheets and towels and jeans and underwear from the clothesline. It took longer than it should have; the cold made her fingers clumsy. After the last piece had been placed in the basket, she caught it up and hurried to the kitchen door.

      The wind sucked at the worn old door as she opened it and slammed it hard behind her. A grunt of annoyance accompanied the accusing glare she cast toward the drafty entranceway. The basket handles bit into the blisters that had popped up on her palms while she shoveled manure and wheatstraw from the barn stalls. She winced and shifted her grip. Her hands should have hardened to the work by now, but they hadn’t.

      As Cat entered the living room, Joey looked up from her seat on the floor in front of the TV, then scrambled to her feet. “I’ll help you carry the basket, Mom.”

      At least she was in her pajamas. Cat grinned ruefully at her offspring. “Never mind, Teddy Bear. Why don’t you set the table for dinner while I put away these clothes. I’ll reheat the stew from lunch. That won’t take long.”

      “Okay.” Joey sat down on the floor and turned her attention back to the television, dismissing her mother with a completeness Cat couldn’t help admiring.

      “Now, please,” she insisted. It was always tough to put a sharp edge in her voice with Joey. Well, not always, but mostly. Joey was a good kid, but on a bad day she ranked right up there with those cartoon Simpsons. The ones she wasn’t supposed to watch. The ones Cat gave in and let her watch once in a great while and regretted immediately. She shook her head at the sight of Joey trying to stand up an inch at a time, keeping an unwavering gaze glued to the TV screen. She carried the basket of clothes into her bedroom.

      Dropping the basket on the bed, she glanced at the answering machine. The red indicator light blinked twice slowly, then paused and blinked twice again. Two messages. She wasn’t expecting any calls. It was probably Tommy Karl wanting Joey. Those two were always up to something.

      She pressed the button to play the messages. A cool, official-sounding voice began to speak.

      “Catherine? Greg here. Greg Lundstrom from Engerville State Bank. We need to get together and talk about the mortgage on your farm. There are two quarterly payments overdue now and, frankly, I’m very troubled. Call me as soon as possible, will you? Thanks.”

      A cold chill settled on Cat as nausea hit her stomach. She backed up to the bed, still staring at the phone in disbelief. Her legs gave way and she collapsed on Aunt Johanna’s colorful handmade wedding ring quilt.

      Her hands shook. She clasped them together in an unsuccessful effort to stop the trembling, then untwined her fingers to reach for the jade necklace at her throat. Nervously, she clutched the beads. The spring payment had come due last week, but she’d been sure she could get an extension. In the confusion and grief of burying her father two months ago, she hadn’t even thought about the January payment. Why hadn’t her father taken care of it?

      He hadn’t said a word to her about being short of cash when he bought RugRat, the newest addition to their small herd of horses. But then, he wouldn’t. It was like him to joyfully hand over the last bit of their cash for a pricey colt they couldn’t afford.

      Now, she had to make up two payments. How could she do that? There’d been no horse ready to sell since the previous fall. It was high odds whether she could get RugRat ready by October and not a chance before then. Her jewelry business, more hobby than a means of support, brought in a bit, but not nearly enough.

      Cat’s hands clenched so tightly her short, ragged nails dug into the new blisters. She’d neglected the horses’ training schedule badly. Too much to do just keeping them fed, groomed, their stalls clean and the vet bills paid. The horses were beautiful and she loved them as much as Joey did, but her father’s way with them had skipped her and gone directly to her daughter. It was too bad Joey was only eight. If she’d been older, maybe she could have taken over the training.

      Cat stood up, stiffening her legs in grim determination. Dammit, she wouldn’t take refuge in foolish wishes. There had to be a way out, and she’d find it. This broken-down, beat-up, almost useless ranch was their home, the only real home she’d ever known, and no way in hell would she let the bank take it.

      She pushed the play button to listen to the second message. Cassidy Gray’s usually cheerful voice was somber.

      “Pop’s been hurt awfully bad, Cat. I knew you’d want to know. I’m at the hospital with him, now. I’m going to call Jackson to see if he can come home. I’ll call again as soon as I know more about Pop’s condition. Bye.”

      If finding out she needed to make two payments to the bank had sent her reeling, then the news of her nearest neighbor’s injuries and his son’s probable return was the knockout punch. She sagged back onto the bed, her legs betraying her again. Her heart raced in frantic beats. Jackson back in Engerville? The thought sent excitement coursing through her body, warming her with sudden speed. A second later, the brief burst of joy faded and a nightmare wave of dread overwhelmed her. Somehow, she had to avoid Jackson. Stay as far away from him as was humanly possible. It was her only chance.

      CORPORAL JUAN SANCHEZ LOOKED up as Jackson Gray entered the company office. “Hey, Jackson, it’s about time you got here. You’ve had three phone calls in the past hour. New babe?”

      Jackson rubbed his eyes. They burned as if cinders had worked their way under the lids. “Give me a break, Sanchez. I didn’t get back to barracks last night.”

      “It’s not me you should worry about, Red. Captain’s been asking for you. You’re late.”

      “Five minutes, for crying out loud! What’s the problem?” He watched Juan toss a handful of papers into the “out” bin.

      “Not my problem, Jack. Yours. Captain Ricky is ready to chop you into little, bitty pieces and have you for lunch. What’d you do?” Sanchez practically salivated with curiosity.

      Jackson glared at the company clerk. “Why don’t you tell the Captain I’m here, Juan? If he wants to see me that bad, then he’s not going to appreciate your holding up the show.”

      “Okay, no problem, but I wanted to talk to you about our trucking deal with Marty. He needs us to make up our mind whether or not we’re with him.”

      “Sure we are. We already decided that. We’ll both have our release by September.”

      “Yeah, well, the word up the line is that headquarters is going to offer up to three months early release to anybody whose discharge date is between April and October. I guess they recruited too many guys. Whaddaya think?”

      “It would be a chance to get a head start finding a place to stay in Seattle. We’ll talk about it later.”

      “Sergeant Gray?” The curt voice belonged to a lanky male in sharply creased khakis, who stepped through the hallway door into the room. The officer threw an irritated frown in Sanchez’s direction, then glared at Jackson. “I’m glad you could make it. Come with me to my office, please.”

      Without his even thinking about it, Jackson’s body stiffened into a near-attention pose. “Yes sir, Captain Richards.”

      Sanchez hurriedly bent to his filing, his tan cheeks highlighted with pink. Jackson repressed the urge to snicker at his friend’s sudden industry and quickly followed the company commander down the short hallway, wondering what he’d done to attract the captain’s attention.

      The captain walked around his desk and sat down in the chair. He shuffled some papers, looking preoccupied, then glanced up at Jackson who maintained a rigid pose.

      “At ease, Sergeant.”

      Jackson snapped smartly into parade rest, his feet slightly apart, his hands behind his back, one nesting the other. He stared straight

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