It’s been twelve years since Lottie Luce ran away to Indiana, three weeks before her classes were to begin at IU, to avoid a confrontation with her best friend, and secret love, Nick Greyson.  On the night she’d believed he was going to tell her that he wanted her for more than a friend, Lottie caught Nick in a compromising position with her long-time nemesis, Ashley Marshall, and the hurt and humiliation were more than she could bear.

Now a product of personal reinvention, Charlotte Luce is the youngest, and first female market president of Olde Florida Bank, and her life is nearly perfect.  That is until Nick comes home to Anna Maria Island, hoping to save his father from financial ruin, and Charlotte’s carefully created world stands still.

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