Time to Trust — Rosemary Badger

His hurt seemed so raw

"My son and I have learned to expect nothing, absolutely nothing from your sex, Miss Chalmers," Gerard Hunter told Kate -- and after she had just saved his son from nearly drowning.

Kate wasn't about to let one rude neighbor ruin her holiday at Australia's beautiful Bargara Beach. But she couldn't easily forget the intriguing, dark stranger and his lonely little son.

Kate felt strongly that despite Gerard's bitter words, someday he would need and want a woman's love again.

Hero: Gerard Hunter
Heroine: Kate Chalmers