When I got the call from my bank confirming that an anonymous donor had infused my account with new life, I renewed the lease on my apartment, but I didn’t have time to buy new furniture or clothes, so here I am, in my slightly baggy jeans and a Northwestern shirt I’ve had since...spring my junior year. So yeah, meeting grandma for the first time in a six-year-old t-shirt.

I refresh my red lipstick about twelve times before leaving the shrimp shack, then point my Camry toward the water.

The clouds are darker now, hanging low over the harbor. Gulls crisscross the sky, moving in frenzied zigzags. I follow the instructions of my GPS and pull into a parking lot that reaches to the water’s edge, where there’s a long, wooden dock lined with boat slips. Mossy trees shade the deck and walkway, hanging over boats big and small. I run my eyes over the larger boats, wondering which one is my grandmother’s.

I pull my phone out of my cup holder and shoot off an e-mail. “I’m here.” Then I grab my duffel bag and purse, lean against my hood, and wait.

What will Gertrude look like? I watch the docked boats, serviced by fluttering figures, heads bowed against a swift but muggy breeze.

There’s a luxury boat, maybe fifty feet, with a pelican’s post on the top. I wonder if she’s wealthy enough to own that. I guess she probably is. I cast my gaze to a smaller boat, this one blue and white, with the name Dirty Sammy scrawled across its back in cursive.

I’m holding my breath when my phone vibrates. ‘The boat name is Fog.’

My heart hammers. My mouth feels dry. I tuck my hair behind my ears, adjust the bag on my shoulder, and start toward the dock. The big, square wood deck adjoining the parking lot is dotted with a few benches and an abandoned fishing pole. I take a left onto one of the long planks that runs parallel with the shoreline. Boats bob all along it, settled into little, wood-framed slots.

I walk slowly, glancing at each boat for Fog. Double Trouble, Choppy Cass, Stupid Does, Great Escape. I think the big beige and crimson sailboat a few slots down looks like a Fog, and am disappointed to find its name is Rammer Jammer. I pass a few smaller boats, the kind you might ski behind, as well as a massive yacht that looks almost too big for its allotted docking space.

The wind blows my hair across my cheeks. A few strands stick to my lips.

I’m pushing at them with my fingertips, glancing down the dock for a woman with gray hair and my mother’s mouth, when I see him: a tall man blocking my path. He’s wearing a pair of loose, charcoal slacks and a battered-looking white dress shirt with the sleeves rolled up, so I can see his muscled forearms. His face is partially shaded by a baseball cap. And even so, I know he’s here for me.

My cheeks heat up, as if I’ve been sunburned; my stomach aches; and, swear to god, my pussy actually clenches like it’s saying “hey Hottie, right here.”

Then he takes a slow stride toward me, lifts his head a little, and I see his face.

Holy fucking wow. This man is brutally handsome.

He must be a fucking pirate. A short, scruffy black beard covers his face, begging for my fingers. His jaw is hard, as if maybe he’s clenching it. He’s got Elvis Pressley cheekbones, and his mouth, which twists when he sees me, looks made for naughty words. And his eyes. Holy shit, those eyes. They’re dark brown—intense and long-lashed—but that’s not what gets me. There’s something about them… About the way they sweep me up and down, as if assessing. Does he find me wanting? Find me satisfactory?

I can barely breathe. I forget to swallow and almost choke on my own spit.

My eyes flit to his mouth again as my finger twitches. Oh, how I’d like to touch those full lips.

I want to take a step closer and yank off his Mets ball cap. I want to run my fingers through his hair.

I notice I’m breathing fast and shallow, like I’m recovering from a panic attack.

What the fuck is wrong with me?

He steps toward me and I lick my lips.

“You’re Red.” His voice is so low, I can feel the timbre of it in between my legs.

“You’re…not my grandmother.”

His mouth presses into a tight line. “Red,” he says slowly, “I’m afraid I’ve got some sad news. Gertrude passed a few days ago.”

“She died?”

He nods once. “She did.”

He swipes his cap off his head, revealing short, black hair.

I stare at it as if it might help me comprehend. I waited a lifetime to meet my grandmother, longed for her since my mother died, and came this close to knowing her? How could she be gone?

My eyes water—from shock or disappointment? Maybe from the wind.

“When did she die?”

“Earlier in the week,” he says.

“So the money…? It’s an inheritance?”

His face twists. “So it was the money?”

“What?”

“You needed money.” His tone is harsh and judging.

“What does my financial situation have to do with anything?”

He makes a face that starts out as a wince and turns into an angry smirk. “That’s how I got you here. Money grubber.”

My stomach tightens. “I’m not a money grubber. What do you mean ‘got me here?’” It hits me like a cannon ball that I don’t even know who he is, this man who’s suddenly so angry with me. “Who the fuck are you?”

“My name is Race. I was Gertrude’s assistant.” He folds his arms in front of him, revealing thick forearms.

I look beyond him, down the dock, where a group of men are unloading fish into several large, white coolers. If I need to, I can run.

“You said you got me here with money. What does that mean?”

His eyebrows narrow. “I deposited thirty thousand dollars in your account. Gertrude didn’t leave you anything.”

“What?”

“She left her island to me by putting me in charge of her trust. But it turns out the trust can’t transfer ownership of the island to me without you, because the island is conservation land, and conservation land can only be passed down within a family. I can’t have it unless you become involved with the trust and sign off on the sale of it to me.”

“If you want to keep the money that I gave you, what you have to do is simple. Sign on to oversee her trust, and decide the island should be sold to me. The money will go to the trust, but I’ll give you an additional thirty thousand dollars.”

I blink a few times. “Are you bribing me?”

He pins me with that awful look again. The condemning one. “Do you consider yourself above that?”

“I don’t know. Yes. You called me a money-grubber. That’s not a good way to get my help.”

A beam of sunlight pushes through the dark clouds, illuminating the man’s black hair. “So you’re saying you won’t do it?”

I rub my eyes, noticing as I do that my hand is shaking. “I don’t know if I will. I don’t know.” I draw a deep breath in. Force myself to look into his dark eyes. “I don’t think I would agree to sell her island to you. You seem like an asshole.”

“Do I?” He steps closer, and my chest and cheeks go molten hot.

I grit my teeth. “Yes. You are an asshole. I can spot one.”

“You’re a beggar.”

“How did she die?”

“Excuse me?”

“How did my grandmother die, asshole?”

His face hardens. “It was cancer. Do you care?”

“Of course I care!”

His sneer tells me what he thinks of that, but I ignore him. “Pancreatic cancer?” I ask.

He frowns.

“Did she die of pancreatic cancer?”

“Lung.”

I exhale slowly, feeling faint. “She didn’t want to meet me, did she? It was you who told me to come here.”

He nods, and my throat constricts.

“After your first e-mail, I did some digging. I found out about your financial woes. After she passed, I gave you a ‘gift.’”

“A bribe.”

“It’s not a bribe. It’s a gift. A token of my intent if you were to decide, on behalf of the trust, to sell the island to me. Her trust will get the money. A little under a million, if I’m correct about the island’s worth. You can keep the sixty thousand I give you, and I get to continue living at my home.” He holds his hands out, as if everything he’s said is totally logical.

I shake my head.“Just because you were dumb enough to deposit money into my account—under false pretenses, might I add—that doesn’t mean I have to agree to sell the island to you. How could I do that, anyway? If you’re one of the trust’s administrators, wouldn’t that be like…illegal?”

“I’d have to remove myself first.”

“Why do you care so much about this island?”

He shakes his head, as if he speaks another language. As if he’s lost. When he speaks, his voice is surprisingly soft. “It’s my home.”

“Only if I decide to give it to you. So far, I haven’t thought of a single reason why I should.”

“What if I told you the money is gone unless you do?”

I snort. “Are you a magician?”

His eyes harden.“The money is gone, Red. It’s been gone since this morning. I had it removed.”

“W-what do you mean?” My voice is squeaky.

“Your check for car you bought won’t bounce. I removed it after that.”

I start to tremble, shoulders first, then chest. “Are you fucking kidding me? Is this a fucking joke?” I fumble for my phone and he steps closer. “Go ahead and check,” he says. “You’ll see.”

I can barely get to the bank’s web site, my hands are shaking so badly. When I see the balance, I nearly vomit: $245.13.