Winning the Bet — Theresa Stillwagon

Both Maggie and Jack were introduces to the kinkier side of sex by partners with the wrong idea of the lifestyle. They are now both careful and leery around others. Jack is afraid he will hurt the women he dates, and Maggie is just afraid. They live in the same apartment complex, and are very aware of each other, but that's as far as things go. Neither one of them knows how to get passed the mental block.
Then one day, Jack shows up at the VA clinic where Maggie works, and both of their lives start to change by the interfering actions of her co-workers and a stupid bet. He shows up at their usual Friday night dinner out, and Maggie ends up spending the night with him. He didn't hurt her and she is not afraid anymore, but now they have something else to worry about? Their hearts.