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neck and gone to see Walter Dennison, who owned Shelby’s one and only bank.

      Dennison read through the proposal she’d written, looked up and frowned.

      “You’re asking for a lot of money.”

      “I know.”

      “Asking for it in a home equity loan.”

      “Yes, sir.”

      “You understand what would happen if you were unable to pay the loan off, Ms. Sommers? That the bank would have the right to foreclose on your house?”

      Taylor had nodded. “Yes, sir,” she’d said again. “I do.”

      Dennison had looked at her for a long moment. Then he’d smiled. “You’ve got your grandmother’s gumption, Tally,” he’d said, and held out his hand.

      The loan was hers.

      She’d made the first payment…but not the second. Or the third. The contractors demanded their money according to the schedules she’d agreed to. Things couldn’t get worse, she’d thought…

      And the furnace in the house went belly-up.

      Pride in tatters, Taylor had gone to Dennison again. If he could see his way clear to lower the monthly payments…

      He’d sighed and run his fingers through his thinning hair. In the end he’d done it.

      Which brought her back to today’s phone call. It had come while she and Sam were having breakfast.

      “I need to see you, Ms. Sommers,” Dennison had said. “Today.”

      She’d almost stopped breathing. “Is it about my loan?”

      There’d been a little pause. Then Dennison had said yes, it was, and she was to come to his office at four.

      “Four,” he’d repeated, “promptly, please.”

      The admonition had surprised her. So had the change from Tally to Ms. Sommers. She’d told herself it wasn’t a bad sign. A man who wanted to discuss a six-figure loan was entitled to be a little formal, even if he’d known you since you were a baby.

      “Of course,” she’d said, all cool New York sophistication. Then she’d hung up the phone and tried to smile at Sam, whose eyes were filled with questions.

      “Nothing to worry about, babe,” Tally had said airily.

      Sam had grinned a Sam-grin, at least until she said she might not be home until suppertime.

      “You can visit the Millers,” she’d said reassuringly. “You know how much you like them.”

      She’d smoothed things over by promising they’d have the entire weekend together, doing what Sam liked most: snuggling with her on the sofa, watching videos and eating popcorn.

      Dante Russo had probably never watched a video or eaten popcorn in his life…

      And what was that man doing in her head again?

      Who gave a damn what Dante Russo did or didn’t do? He was history. Besides, he’d never meant anything more to her than what she’d meant to him. New York was filled with relationships like theirs. Two consenting adults going out together, being seen together…

      Having sex together.

      Tally’s eyes closed. Memories rushed in. Scents. Tastes. Sensations. Dante’s hands, deliciously rough on her skin. His mouth, demanding surrender as he kissed her. His face above her, his silver eyes dark as storm clouds, his sensual lips drawn back with passion…

      She swung toward the sink, dumped her coffee and rinsed out the cup.

      What stupid thoughts to have today of all days, when she had to be at her best. Still, she understood why she would think of Dante.

      Her mouth curved in a bitter smile.

      This was an anniversary of sorts. She’d left Dante Russo a few weeks before Christmas, three years ago. All it took was the scent of pine and the sound of carols to bring the memories rushing back.

      She wouldn’t let that happen. Dante had no place in the new life she’d built for herself. For herself and Sam.

      He was nothing to her anymore.

      Or to Sam.

      Sam didn’t know Dante existed. And Dante certainly didn’t know about Sam. He never would, either. She would see to that.

      Tally knew her former lover well.

      Dante hadn’t wanted her and surely wouldn’t have understood why she wanted Sam…But that didn’t mean he’d simply let her have Sam, if he knew.

      Her former lover could be charming but underneath he was cold, determined and ruthless. She refused to think about how he might react if he knew everything.

      Tally sighed and turned on the kitchen lights. Night had fallen; it came early to these northern latitudes. The coming storm the weatherman had predicted rattled the old windows.

      She’d fled New York on a night like this. Cold, dark, with snow in the forecast.

      What a wreck she’d been that night! Pretending to be sick, then packing her clothes and scribbling that final note. All she’d been able to think about was getting away before Dante showed up.

      She wasn’t stupid. She’d known he hadn’t wanted her anymore. He’d been removed and distant for a while and sometimes she’d caught him watching her with a look on his face that made her want to weep.

      He was bored with her. And getting ready to end their affair, but she wouldn’t let that happen. She’d end it first. It would be quicker, less humiliating…

      And safer, because by then she had a secret she’d never have been foolish enough to share with him.

      So she’d made plans to leave him. And she’d done it so he wouldn’t be able to find her, even if he looked for her. Not that she thought he would. Why would a man go after a woman when she’d saved him the trouble of getting rid of her?

      Even if he had, maybe out of all that macho Sicilian arrogance made all the more potent by his power, his wealth, his gorgeous face and body—even if he had, he’d never have found her. He’d never dream she’d flee to a tiny village in New England. He knew nothing about her. In their six months together, he’d never asked her questions about herself.

      Not real ones.

      Would you prefer Chez Nicole or L’Etoile for dinner? he’d ask. Shall I get tickets for the ballet or the symphony?

      Things a man would ask any woman. Never anything more important.

      Well, yes. He’d asked her other things. Whispered them, in that husky voice that was a turn-on all by itself.

      Do you like it when I touch you this way? And if what he was doing seemed too much, if it made her tremble in his arms, he’d kiss her deeply and say, Don’t stop me, bellissima. Let me. Yes. Let me do this. Yes. Like that. Just like that…

      She was trembling even now, just remembering those moments.

      “You’re a fool,” Tally said, her voice sharp in the silence of the kitchen.

      Sex with Dante had been incredible, but sex was all it was, even though lying beneath him, feeling the power of his penetration, his possession, sometimes made her want to weep with joy. But it didn’t make up for the fact that he’d never once spent the entire night in her bed or asked her to come to his.

      Stay with me, she’d wanted to say, oh, so many times. But she hadn’t. Only the once, when the words had slipped out before she could stop them…

      Only the once, when she’d forgotten that all her lover wanted was her body, not her heart.

      Tally turned her back to the window.

      So what?

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