Liam’s cell phone rang and he pulled it out of his pocket and flipped it open. It was Sean.

“Let me talk to Ellie,” Sean said.

Liam handed her the phone and watched as she listened to what Sean said. A wide smile curved her lips and she laughed not once but twice before she thanked Sean and said goodbye.

“He said I did a great job. And that he got everything on tape. And he said you should quit complaining and thank me.”

With a low curse, Liam stalked out of the bathroom. He found the tiny microphone hidden in the flowers and extracted it, then looked directly across the street at the attic window. “Turn this damn thing off right now,” he said. To assure himself that his request had been followed, he tugged the mike off the wire and tossed it on the table. Then he reached for the curtains and yanked them shut.

He turned to find Ellie watching him, her hands hitched on her hips. “What is your problem?”

“You’re my problem,” he muttered, crossing the room to grab his jacket from the sofa.

“I’m your problem? How? How am I your problem? The way I see it, I’m the one who should be angry. I didn’t do anything. I didn’t embezzle a quarter million dollars. I didn’t lie about my motives in this relationship. I didn’t spy on someone who shouldn’t have been spied on in the first place. I’m the innocent one here.”

“Right. You’re innocent. I’m supposed to believe that after the way you behaved with Ronald Pettibone?”

“That was strictly professional,” she countered.

“And what kind of profession were you engaged in?”

Her eyes narrowed at his thinly veiled insult and she walked up to him, her body just inches from his. “I should slap you for that.”

“Go ahead,” Liam challenged.

Her eyes blazed with anger and her breath came in short gasps, but she didn’t rise to his bait. Her fingers clenched into fists and she started to turn away. In the blink of an eye, Liam’s own anger shifted. He snaked his arm around her waist, pulling her against him and bringing his mouth down on hers in a hard, uncompromising kiss.

At first she fought him, but as his tongue invaded her mouth, he felt her soften in his arms, her body growing pliant beneath his touch. His hands slipped from the sweet curves of her hips to her backside, pulling her even closer, his need hot and hard between them.

A tiny groan slipped from her throat and she wrapped her arms around his neck, surrendering to his kiss. Liam knew if he picked her up and carried her to the bedroom, he’d meet no resistance. But he wanted Ellie to need him as much as he needed her, to want him so badly, she couldn’t survive without him. So he pulled back, breaking the intimate contact and leaving her to stand alone on wobbly knees. He turned and pulled open the door.

“Wha- What are you doing?” she murmured, her forehead wrinkled with confusion.

“Just showing you what you’d be missing if you decided to run off with Ronald Pettibone,” Liam replied. With that he stepped into the hallway and closed the door behind him. He was nearly to the second-floor landing, when he heard a crash of glass upstairs. And then another.

“I guess I made my point,” he said with a smile.

“ARE YOU READY?”

Ellie glanced over at Sean Quinn, sitting behind the wheel of the car. He stared straight ahead, his gaze fixed on the facade of Rawson Bank a half block away. “I think so,” she said. “I’m a little nervous.”

“There’s no need to be. Liam says that Pettibone is already inside waiting for you. There are F.B.I. agents inside, as well.”

“The F.B.I. is here?”

“Ronald broke a few federal laws, too, so they’re in on the case.”

“How will I know them?” Ellie asked.

“You don’t need to know them. They know you. You’re wired for sound and if you get in any trouble, just yell for help.”

“Trouble?”

“Don’t worry. It’s a public place. Ronald isn’t going to pull anything.”

Ellie nodded. “All right. Let’s review. I go inside, I give Ronald the key, and I wait while he opens the safe-deposit box. When he comes back out, they’ll arrest him. And then I can leave.”

Sean nodded. “They took your statement for the grand jury, but you may have to give the Feds more information. And then there’s Ronald’s trial. Or trials, depending upon who decides to go after him.”

“I’ll have to testify?” Ellie asked.

“Probably.”

“What if he gets off? Do you think he’ll come after me?”

“He’s not going to get off,” Sean said. “If he’s acquitted in New York, he still faces federal charges and he’ll probably be extradited to Nebraska, Washington and Texas to stand trial for those other crimes. You’ll be a grandmother before he sees the outside of a prison.”

Ellie smiled. “Knowing my history with men, that could be a life sentence for Ronald.”

Sean smiled, the first time she’d ever seen him smile. He was usually so intense, so preoccupied. But when he smiled, his whole face changed and he became the second most handsome man on the planet. Ellie had been grateful for his help over the past few days, through all the questioning and statements and explanations. Though Liam had been prickly and aloof, Sean had been steady and comforting, always there to calm her nerves. “I know he seems angry,” Sean said, “but he’s not.”

“Liam?”

“None of this is his fault,” Sean said, glancing over at her. “I talked him into taking this job. I don’t think he ever believed that you were a criminal.”

“Did he ask you to say that?”

Sean shook his head. “Liam may be charming, but he’s not that charming. I don’t say things I don’t mean.”

“I believe that about you,” Ellie said.

He took a deep breath. “Are you ready to go?”

“I’m ready,” Ellie said.

“Then let’s do it. I’ll be a few yards behind you.”

Ellie opened the car door and stepped out, then started toward the bank. As she walked, she replayed Sean’s words in her head. She wanted nothing more than to believe in Liam, to trust in a future with him. But she’d been burned so many times by men far less charming than Liam Quinn. What if she did allow herself to forgive him? How long would it be before he betrayed her again? And if he betrayed her again, would she ever recover?

Yes, he was wonderful and sweet and sexy and handsome, all those qualities that a woman should want in a man. But these things made him attractive to every other woman on the planet. How long would it be before he found someone more exciting than Eleanor Thorpe, accountant and amateur private investigator?

Ellie knew she wasn’t supermodel beautiful or accomplished in the bedroom. She wasn’t particularly sophisticated or polished. She was just an ordinary girl who wanted an ordinary guy to love. The problem was, she’d stumbled on an extraordinary guy and she wasn’t sure what to do with him.

A curse slipped from her lips. Now was not the time to review her romantic options! She had a job to do, one more task to complete before she could leave Boston and begin a new life somewhere else. Ellie crossed the street against the light and slowed her pace as she approached the front door of the bank. “I’m at the door,” she said.

One of the security guards, standing inside, pulled the door open for her and she smiled at him as she passed. Was he one of the F.B.I. agents or just a guy doing his job? When she got inside the lobby, Ellie paused and looked around, wondering where Liam was standing. Then she saw him, sitting on a bench, reading a pamphlet. Their gazes met for an instant and Ellie’s heart skipped a beat. Then she continued scanning the lobby.

Ronald was waiting at the far end, holding a leather briefcase and tapping his foot impatiently as she approached. “You’re late,” he said. “I thought maybe you weren’t coming.”

“I don’t have a car,” Ellie said. “I had to call a cab and it was late.”

“Do you have the key?”

She reached inside her purse and handed it to him. His thin lips curled up into a smile and Ellie breathed a silent sigh of relief. Her part was done.

“So, Eleanor, have you thought about my offer?”

“I have,” Ellie replied. “It’s very tempting. But I think I’ll wait and make my decision after we’ve completed this transaction. I have to know whether I can trust you.”

“Why don’t you come along and I’ll show you the rewards?” Ronald took her hand and led her to a wide stairway. “The safe-deposit boxes are on the second floor.”

Ellie couldn’t refuse without arousing his suspicions. And what could he possibly do to her in a public place? There were so many people watching her that all she had to do was scream and they’d come running. “All right,” she said. “We make the split upstairs then.”

Ronald thought about it for a while. No doubt he had some plan to cheat her out of her share. And now he had to make a choice, keep her close or take the money and run. “Come to think of it, some banks have rules about who they let in the room while a box is open. Maybe you’d better wait outside.”

“I still expect my share before we walk out of here,” Ellie said. “I’ll be waiting.”

Ronald nodded, then started up the stairs. Ellie watched him until he disappeared through a doorway, reluctant to admit that she’d once been madly in love with him. “He’s gone up,” she said. She stood at the bottom of the stairs for a long time, waiting, wondering what to do next. She was afraid to move, afraid he might be watching her from above.

Slowly she turned to search the lobby for Liam, only to find him walking toward her, concern etched across his expression. “Come on,” he said, taking her hand. “They just took him into custody upstairs. Let’s get you out of here.”

“No,” Ellie countered. “I want to stay. I want him to know who did this.”

A few seconds later Ronald reappeared at the top of the stairs, flanked by two men in dark suits. His hands were cuffed behind his back and one of the men carried the briefcase. He glared at her as he descended and when he reached the bottom, he stopped.