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up.’ Lucia was shrieking with laughter now with her hand over the phone. ‘This line is terrible, Holly,’ she confided in a slurry voice. ‘Why don’t you just catch a plane and come over here?’

      Er, zero cash? Zero bikinis? Zero desire to cop out of a life that had already been through the shredder …

      Holly held back from explaining to Lucia that they might have attended the same school but, while Holly had been a full scholarship pupil, Lucia had been a new sports hall, an Olympic-sized swimming pool and a riding stables complete with indoor arena. Oh, yes, St Bede’s School for Girls had had a very shrewd headmistress.

      ‘So, where are you now, Holl?’ Lucia demanded to the accompaniment of clinking glasses.

      ‘Outside your flat. “Meet u apt 12/20th Nov”,’ Holly read the text from her phone, leaving out the bit about how Lucia ‘cdnt wait’, followed by ‘:-D’ and a dozen exclamation marks.

      ‘Did I send that?’

      ‘Yes, but no problem,’ Holly lied brightly.

      Lucia groaned. ‘I did! I said it would be okay for you to stay. I remember now. And it is okay. At least, it would be if I were there. And I sublet my part of the house. Oh, you poor darling, I completely forgot. Were they awful to you?’

      ‘Actually—’

      ‘But you can book into a hotel, right?’ Lucia chirped before Holly could explain that the woman who had opened the door to her had been quite nice, if a little bewildered to find a stranger with a suitcase standing on her doorstep looking hopeful. ‘Of course I can,’ Holly soothed. ‘I’m really sorry I interrupted your break, Luce—’

      ‘No. Wait.’

      ‘What?’

      ‘The penthouse!’

      ‘The penthouse?’ Holly queried.

      ‘The family’s London penthouse is free! I’m sure it is.’

      ‘The penthouse, where?’ Holly said, frowning.

      ‘Right there at the same address,’ Lucia explained triumphantly. ‘There’s a spare key in the key box by the side door. Give me ten minutes to ring someone to make sure the penthouse is empty and find out what the code is.’

      ‘Are you sure?’

      ‘Is the sun shining in St Barts?’ Lucia screamed with laughter. ‘And there’s a café right across the road,’ she said. ‘See it?’ Lucia demanded, tense with excitement now she had identified a way out of the problem. ‘Have a coffee and wait for me to call you—’

      Holly stared at her silent phone. Only a member of the powerful Acosta clan could have a penthouse going spare in London, she thought wryly. Putting her phone away, she glanced across the road and saw the café Lucia had mentioned. The windows were all steamed up. It looked inviting, and also warm. But it also looked very smart, Holly thought, losing confidence. The café was all black glass and bronze—the sort of place her boyfriend had frequented between those colossal deals he used to tell her he was brokering.

      Her ex-boyfriend, Holly reminded herself as she started jiggling her cumbersome suitcase down the kerb. You didn’t have to be middle-aged and weary to lose everything to a good-looking swindler, Holly had discovered. You could be young and ambitious, and think you knew it all too. But she wasn’t going to let one mistake rule her life. She was going to forget Mr Crud-for-pants dipping his greedy little paws into her bank account, and start again. Right now her goal was reaching that café where she could have a hot drink and dry off while she waited for Lucia to call.

      Choosing her moment, Holly launched herself across the road—only for her suitcase to get stuck at the opposite kerb long enough for a truck to drive past and soak her. She was still spluttering with shock when a huge black dog appeared out of nowhere and attempted to lick her dry. And now a hunk in jeans had joined the scrum. ‘Here. Let me,’ he insisted in a deep, husky voice with an intriguing accent. Lifting both dog and suitcase away, he tried to steer Holly off the road.

      ‘Get off me!’ She was spluttering with shock, her voice rising with each syllable as she attempted to push him away. But he was like a rock and what made it worse was that he was so incredibly good-looking—exotically dark, extremely clean, and very big—which made her feel correspondingly washed-out, mud-streaked, very clumsy, and annoyed.

      ‘Sorry,’ he exclaimed, turning away to comfort his over-excited dog.

      ‘Can’t you control your animal?’ she flashed. ‘Perhaps something smaller would be easier for you to handle?’

      Holly’s barb missed its mark by a mile. The man only seemed amused and succeeded in looking sexier than ever with his mouth pressed down as she ranted on. ‘Bouncer is a rescue dog from the streets,’ he explained, straightening up to his full, towering height. ‘I still have to teach him manners. I hope you can find it in your heart to forgive him?’

      The voice was as delicious as she had first thought, and she had stared for far too long into those dark, compelling eyes, Holly warned herself. But instead of standing on her dignity and ending this, she heard herself say, ‘You could buy me a coffee and I’ll think about it.’

      ‘I could,’ the man agreed.

      Had she gone completely mad?

      Was Rule two: No men out of the window already?

      Hmm, maybe. The man was not only incredibly good-looking—tall, dark and handsome in the best possible way, which was to say a little rugged and not too contrived, with quite a thorough coating of sharp black stubble on his face and excellent teeth—but as well as an exotic accent he had an intriguing way of looking at her. His gaze didn’t flicker away like some people she could mention, but remained steady on her face.

      But was that a good enough reason to risk it?

      ‘May I take your hesitation for acquiescence?’ he prompted. ‘You look frozen.’

      She was. And the man’s steady gaze was making her feel uncomfortable. She wasn’t used to attracting interest from such good-looking men. Of course, it would have to happen when she looked more of a mess than usual. Typical. ‘I suppose a coffee wouldn’t hurt.’

      ‘Strong, hot coffee is what you need,’ he said firmly. ‘But before we go inside, are you going to forgive my furry friend?’

      How could she refuse a request like that? Her ex hadn’t been able to get near a dog without it biting him, Holly remembered as the big dog stared back at her, panting hopefully. ‘Forgiven,’ she said, watching with interest as the man made a fuss of his dog, tempting him with a bowl of treats someone had laid out ready beneath the cafe’s rain-proof canopy. He even pointed out the bowl of clean water—

      ‘Bouncer’s done a real number on your outfit,’ he observed, turning round.

      ‘Yes, he has,’ Holly admitted ruefully. It wasn’t so much an outfit as a motley collection of sale items she’d kept at the back of the wardrobe too long to take back to the store.

      ‘How about I pay for dry-cleaning?’

      ‘Oh, no. That’s okay,’ she insisted. ‘The mud will wash off—’

      ‘If you’re sure? I’m happy to pay.’

      A man offering to pay for anything was a first too, Holly thought. ‘Really, I’m sure,’ she said with a small smile, and then, embarrassed by so much concern and attention from a stranger, she turned away. ‘Hey, Bouncer.’ Predictably falling for the liquid brown sappy look, she started tickling the dog’s ears, which Bouncer took as a cue to roll onto his back, waving his giant-sized paws in the air.

      ‘You have a way with animals,’ the man observed.

      ‘When they’re not trying to lick me to death,’ Holly agreed wryly.

      ‘Shall we?’ he said, starting for the

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