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The forecast was smooth sailing for Oliver Chancellor, scion of Galveston's premier financier. Destine to take his place in the hallowed marble corridors of his family's bank, Chance is content with the future that's been mapped out for him, right down to his upcoming engagement to a prim debutante enthusiastically approved by his socialite mother. But when beautiful Rory St. Claire crosses his path, Chance recklessly plunges into unchartered terrirory with nothing but his heart to guide him--and a beautiful woman to tempt him... Propelled by a lifelong goal to but the island home reportedly haunted by her colorful ancestors, Rory desperately needs Chance's help in securing a business loan, and she won't take no for an answer. In the midst of convincing the hesitant blueblood to take a chance on her dream, Rory unexpectedly lands in Chance's arms, stunned by his red-blooded passion--and her own awakened desire. Now, the mismatched pair can't keep their hands off one another, and something tells Rory she's headed for trouble--trouble in the name of love...