‘But too late to be of any help to us!’ Isabel Hales snapped angrily.

‘I’ve lost my father’s business,’ her husband responded heavily. ‘Have you any idea how ashamed that makes me feel? Everything my father worked so hard for and achieved, I’ve lost.’

Tears washing her eyes at his pained speech, Caroline bit her lip and restrained the urge to lament the fact that her parents had not chosen to confide in her before taking out a loan against their home. She would have warned them not to throw good money after bad. She wondered if her mother, who was profoundly attached to her imposing home and comfortable lifestyle, had put excessive pressure on her father to save the business at all costs. Sadly, sound financial judgement had never been one of her father’s talents.

Her father had inherited Hales Transport from his own father, and until recently had never known what it was to worry about money. Her mother’s snobbish belief that actively running a transport firm lowered their social standing had prevented Joe from assuming much of a hands-on role in the family business. Instead, urged on by his wife, Joe had hired Giles Sweetman, an excellent general manager, to take care of the firm, and had learned how to play golf and fish. For many years the firm had brought in an excellent income. It had taken just two misfortunes to bring about the current crisis.

First, Giles Sweetman had found another job and left with very little warning, and Caroline’s late husband, Matthew, had replaced Giles. Although nobody had yet said it to her face, he had been a disaster in the role. The second blow had been the appearance on the local scene of a rival transport firm, hungry for business. One by one Hales had lost the contracts on which it depended for survival to Bomark Logistics, and reducing its workforce had done nothing to halt that downward slide.

‘Two weeks is a ridiculously short amount of time,’ Caroline protested. ‘Who is the buyer? I’ll ask if we can have a bit more time.’

‘We’re not in a position to ask for anything. We no longer own this house,’ her father pointed out wryly. ‘I just hope that the buyer of Hales isn’t planning to make our remaining workers redundant and sell off the firm’s assets to the highest bidders.’

Caroline studied her parents, painfully aware of the march of advancing years and ill-health that made them poor candidates to deal with so much stress and upheaval. Her adoptive father suffered badly from angina, and on bad days her mother’s arthritic joints made even a walk across the room a painful challenge. Where on earth would they go without the cosy cocoon of financial security which they had enjoyed for so long? How would they cope and survive?

Winterwood was an enchanting, crumbling old house, built at the turn of the century for a large family with domestic staff. It had always been far too big for her parents, but Isabel Hales had been determined to impress everyone in the neighbourhood with visible evidence of her new status as the wife of a wealthy man. The new owner might well be planning to simply knock down Winterwood and redevelop the site. Even in the midst of more serious issues Caroline experienced a sharp pang at the prospect of her childhood home being razed to the ground and the gardens bulldozed.

‘You should never have moved out of Matthew’s family home and come back here to live with us,’ Isabel Hales told her daughter thinly. ‘Now you’ll have to come with us, and goodness knows where we’ll end up living!’

‘I still find it hard to believe that Matthew left you with nothing but debt,’ Joe admitted with a shake of his head. ‘I thought more of him than that. It’s a man’s job to ensure that his wife has something to live on when he’s gone.’

‘Matthew could hardly have expected to die so young.’ Caroline made her usual soothing response to comments of that nature; she’d had a lot of practice in keeping the secrets of her unhappy marriage to herself. ‘But I do wish he had been willing to buy a house, because then I would at least have had a home for the three of us.’

‘The Baileys should have helped you more than they did,’ her mother contended bitterly. ‘Of course you didn’t even have the sense to ask for a financial settlement from them.’

‘It wasn’t their fault that Matthew didn’t take out insurance cover, and they did settle all his debts… And let’s not forget that they had a stake in Hales as well, and have also lost a good deal of money,’ Caroline reminded the older woman ruefully.

‘What does that matter now, when we’ve lost everything we possess?’ Isabel Hales demanded shrilly. ‘They’ve still got their home and their household help. But we’ve got nothing! My friends have stopped phoning me. Word’s got around. Nobody wants to know you when you’re broke!’

Caroline compressed her lips and kept quiet. It was an unfortunate fact that her mother’s friendships were of the shallow sort that relied on status and money and show for fuel. Stripped of what she had once taken for granted, Isabel had been struck off the guest-lists of the well-to-do and socially prominent. It was sad for a woman of her mother’s age to suddenly find out that she had become a social pariah, but there was nothing that could be done about it. The spendthrift days of lavish entertainment, designer clothes and fancy holidays were gone for ever.

That same evening, Caroline got back to work in her studio-a converted outhouse in the courtyard behind her parents’ home. There she hammered shaped and soldered silver and precious stones into the jewellery she designed and sold on an internet website. It was painstaking, delicate work, which required a keen eye and full concentration. While she worked, her elegant seal point Siamese cat, Koko, sat like a sentinel on the bench by her side. When Caroline felt a familiar tightening round her brow she knew that one of the nasty migraines she occasionally suffered from was threatening. Soon afterwards she finished off for the night, tidied up and went up to bed.

Of course by then, even though she’d taken her medication to dull the migraine, she was still too stressed to sleep. Tomorrow she would have to start looking for accommodation, she decided, fighting to stave off a growing sense of panic. Finding somewhere suitable to live would not be easy, because she needed space to work as well. Her jewellery business was currently her family’s only means of support, aside from their small state pensions.

‘Caro?’ The next morning Isabel Hales limped painfully into the kitchen where Caroline was preparing breakfast. ‘Do you think Matthew’s parents would be willing to give us a loan for your sake?’ she asked hopefully

Caroline went pale and tensed. ‘I don’t think so. Settling Matthew’s debts was a matter of pride to them. But they’re not the type to splash out their cash unless it’s likely to benefit them in some way.’

‘If only you’d given them a grandchild everything would have been so different,’ the older woman replied, in a sharp tone of reproach.

‘I know.’ Stinging tears burned the back of Caroline’s lowered eyes. The Baileys had thrown that omission at her as well while she’d still lived with them. Evidently her failure to produce a child had been her worst flaw as a daughter-in-law, but the Baileys had also insinuated that, had she been a better wife, Matthew would have spent more time at home. She’d had a mad desire to tell them the truth about her marriage, but had mercifully contrived to keep a still tongue in her head. She could not even bear to think about the years she had lost to her unhappy marriage, and nobody would benefit from her talking now about what she had kept hidden for so long. It would only devastate Matthew’s parents and shock and upset her own.

‘I expect you never thought about the future,’ Isabel sighed. ‘You were never very practical.’

Caroline’s troubled gaze rested on her mother’s slight figure as she braced her weight on her walking stick and walked slowly away. The older woman looked horribly small and vulnerable to her daughter. Her parents were already sleeping in a room on the ground floor because of their health problems. Joe was on the waiting list for a coronary bypass. The house really was no longer suitable for them, Caroline conceded ruefully, searching for a silver lining to their situation. But for her parents to be forced out of their home of forty-odd years was a very different matter from making that decision themselves on the grounds of health and common sense.

Koko coiled round Caroline’s ankles, loudly crying for attention, and she talked indulgently to her pet while serving breakfast. She skipped eating in her eagerness to write down the urgent list of things to be done that was already unfolding inside her head. But the first list only led into the making of a second. Time, cost and location were crucial factors. At their time of life her parents would not want to move out of the area. It would take ages to track down the right property and save up enough money for a standard rental deposit.

It was fortunate that Caroline adored her adoptive parents. Whilst on one fundamental issue they had once given her what turned out to be very bad advice, they had always sincerely believed that they were putting her best interests first. And now that the elder Haleses were reliant on her financial help, she was happy to repay the debt that she felt she owed them in any way that she could.

The phone rang while she was washing the dishes. ‘Can you get that?’ she called to her father, who was reading his newspaper in the room next door.

The phone was answered. An instant later Caroline heard an urgent low-voiced exchange between her parents that she couldn’t follow and, recognising that they sounded upset, she dried her hands to go and join them

‘Caro…will you come here for a moment?’ her mother asked stiffly.