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reached by a narrow track that forked into two, with one branch sealed off by bales of dangerous-looking barbed wire. Hardly the luxury holiday homes location she had been expecting.

      But when she had voiced her doubts to her clients, suggesting that the apartments might be difficult to sell, they had assured her that she was worrying unnecessarily.

      ‘Look, the fact is that we bargained the builder down to such a good price that we couldn’t lose out even if we let the whole lot out for a tenner a week,’ Basil Rainhill had joked cheerfully. At least Lizzie had assumed it as a joke. It was hard to tell with Basil at times.

      He came from money, as his wife was fond of telling her. ‘Born with a silver spoon in his mouth, and of course Basil has such an eye for a good investment. It’s a gift, you know. It runs in his family.’

      Only now the gift had run out. And just before the Rainhills themselves had done the same thing disappearing, leaving a mountain of debt behind them, Basil Rainhill had told Lizzie that, since he couldn’t now afford to pay her bill, he was instead making over to her a twenty per cent interest in the Greek apartment block.

      Lizzie would much rather have had the money she was owed, but her solicitor had advised her to accept, and so she had become a partner in the ownership of the apartments along with the Rainhills and Tino Manos, the Greek who owned the land.

      Design-wise, she had done her best with the limited possibilities presented by the apartment block, sticking to her rule of sourcing furnishings as close to where she was working as possible, and she had been pleased with the final result. She’d even been cautiously keeping her fingers crossed that, though she suspected they wouldn’t sell, when the whole complex was finished she might look forward to the apartments being let to holidaymakers and bringing her in some much-needed income.

      But now she had received this worrying, threatening letter, from a man she had never heard of before, insisting that she fly out to Thessalonica to meet him. It stated that there were ‘certain legal and financial matters with regard to your partnership with Basil Rainhill and my cousin Tino Manos which need to be resolved in person’, and included the frighteningly ominous words, ‘Failure to respond to this letter will result in an instruction to my solicitors to deal with matters on my behalf’. The letter had been signed Ilios Manos.

      His summons couldn’t have come at worse time, but the whole tone of Ilios Manos’s letter was too threatening for Lizzie to feel she could refuse to obey it. As apprehensive and unwilling to meet him as she was, the needs of her family must come first. She had a responsibility to them, a duty of love from which she would never abdicate, no matter what the cost to herself. She had sworn that—promised it on the day of her parents’ funeral.

      ‘If this Greek wants to see you that badly he might at least have offered to pay your airfare,’ Ruby grumbled.

      Lizzie felt so guilty.

      ‘It’s all my own fault. I should have realised that the property market was over-inflated, and creating a bubble that would burst.’

      ‘Lizzie, you mustn’t blame yourself.’ Charley tried to comfort her. ‘And as for realising what was happening—how could you when governments didn’t even know?’

      Lizzie forced a small smile.

      ‘Surely if you tell the bank why you need to go to Greece they’ll give you a loan?’ Ruby suggested hopefully.

      Charley shook her head. ‘The banks aren’t giving any businesses loans at the moment. Not even successful ones.’

      Lizzie bit her lip. Charley wasn’t reproaching her for the failure of her business, she knew, but she still felt terrible. Her sisters relied on her. She was the eldest, the sensible one, the one the other two looked to. She prided herself on being able to take care of them—but it was a false pride, built on unstable foundations, as so much else in this current terrible financial climate.

      ‘So what is poor Lizzie going to do? She’s got this Greek threatening to take things further if she doesn’t go and see him, but how can she if we haven’t got any money?’ Ruby asked their middle sister.

      ‘We have,’ Lizzie suddenly remembered, with grateful relief. ‘We’ve got my bucket money, and I can stay in one of the apartments.’

      Lizzie’s ‘bucket money’ was the spare small change she had always put in the decorative tin bucket in her office, in the days when she had possessed ‘spare’ change.

      Two minutes later they were all looking at the small tin bucket, which was now on the kitchen table.

      ‘Do you think there’ll be enough?’ Ruby asked dubiously

      There was only one way to find out.

      ‘Eighty-nine pounds,’ Lizzie announced half an hour later, when the change had been counted.

      ‘Eighty-nine pounds and four pence,’ Charley corrected her.

      ‘Will it be enough?’ Ruby asked.

      ‘I shall make it enough,’ Lizzie told them determinedly.

      It would certainly buy an off-season low-cost airline ticket, and she still had the keys for the apartments—apartments in which she held a twenty per cent interest. She was surely perfectly entitled to stay in one whilst she tried to sort out the mess the Rainhills had left behind.

      How the mighty were fallen—or rather the not so mighty in her case, Lizzie reflected tiredly. All she had wanted to do was provide for her sisters and her nephews, to protect them and keep them safe financially, so that never ever again would they have to endure the truly awful spectre of repossession and destitution which had faced them after their parents’ death.

      Chapter Two

      NO! It was impossible, surely! The apartment block couldn’t simply have disappeared.

      But it had.

      Lizzie blinked and looked again, desperately hoping she was seeing things—or rather not seeing them—but it was no use. It still wasn’t there.

      The apartment block had gone.

      Where she had expected to see the familiar rectangular building there was only roughly flattened earth, scarred by the tracks of heavy building plant.

      It had been a long and uncomfortable ride, in a taxi driven at full pelt by a Greek driver who’d seemed bent on proving his machismo behind the wheel, after an equally lacking in comfort flight on the low-cost airline.

      They had finally turned off the main highway to travel along the dusty, narrow and rutted unfinished road that ran down to the tip of the peninsula and the apartments. Whilst the taxi had bounded and rocked from side to side, Lizzie had braced herself against the uncomfortable movement, noticing as they passed it that where the road forked, and where last year there had been rolls of spiked barbed wire blocking the entrance to it, there were now imposing-looking padlocked wrought-iron gates.

      The taxi driver had dropped her off when the ruts in the road had become so bad that he had refused to go any further. She had insisted on him giving her a price before they had left the airport, knowing how little money she had to spare, and before she handed it over to him she took from him a card with a telephone number on it, so that she could call for a taxi to take her into the city to meet Ilios Manos after she had settled herself into an apartment and made contact with him.

      Lizzie stared at the scarred ground where the apartment block should have been, and then lifted her head, turning to look out over the headland, where the rough sparse grass met the still winter-grey of the Aegean. The brisk wind blowing in from the sea tasted of salt—or was the salt from her own wretched tears of shock and disbelief?

      What on earth was going on? Basil had boasted to her that twenty per cent entitled her to two apartments, each worth two hundred thousand euros. Lizzie would have put the value closer to one hundred thousand, but it still meant that whatever value they’d potentially held had vanished—along with the building.

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