The Firebrand by Susan Wiggs Page B

finances. I will be blunt, Mr. Higgins. My father was killed in the Great Fire, his fortune burned to nothing. My mother and I were left destitute. With what little I had, I established The Firebrand—that's my bookshop."
    The name of her establishment didn't surprise him in the least. Neither, in fact, did her enterprising nature. The usual response for a woman who found herself in dire straits was to hunt down a husband with a worthy fortune. But Lucy Hathaway was an unusual woman.
    "And that is your purpose today, to discuss the loan on your shop." "Yes, sir, it is."
    In the outer office, a thud sounded, followed by the patter of running feet and a gale of childish laughter.
    Lucy looked over her shoulder. "Oh, dear—"
    "Please, don't concern yourself. Mr. Crowe enjoys children. Occasionally." "Thank you for understanding. I wouldn't ordinarily bring Maggie to a
    business meeting, but unfortunately, I find myself without a wife, so I have
    brought my daughter along. What luxury that would be, to have a wife. Perhaps a woman should aspire to have one rather than to be one." She touched the edge of the desk. "Have you any children, Mr. Higgins?"
    "I—" He would never learn the proper way to answer that question. "No. I do not."
    "But if you did, they would certainly be left in the care of your wife while you attend to business," she said.
    "Miss Hathaway—"
    "I apologize. I sometimes get carried away with my own ideas."
    He could not recall the last time he'd spoken to a woman who was so irritating—or so entertaining. But of course he could recall it, he reminded himself. It was the last time he'd met Lucy Hathaway.
    The sooner he concluded his business with her, the better. Perusing the profit and loss statements, he tapped his pen on the file. "Please remember, it is my business to cultivate productive loans for this institution."
    "I was never in any danger of forgetting it, Mr. Higgins."
    Her comment assured him that she knew exactly what was coming.
    Bluntly he said, "I don't believe a woman alone is capable of managing a business on the scale you envision for your bookshop."
    "I have managed for three years."
    "And you've fallen deeper into debt each year."
    "That's not unusual in a new enterprise," she countered.
    "I see no end in sight." He flipped to a recent balance sheet. "Your receipts show no sign of outpacing your expenditures. Eventually your credit will be cut off, artery by artery." He pressed his hands together, peering at her over his scarred fingers. "It sounds harsh, but that is the way of commerce. Businesses fail every day, Miss Hathaway. There is no shame in it."
    He braced himself for tears, but she was as stoic as any young man pulling himself up by his bootstraps. "You are looking at columns of numbers, Mr. Higgins," she stated. "That's your mistake."
    "I don't make mistakes in banking, Miss Hathaway." His arrogance was justified. Sound judgment, strict rules and a tireless capacity for work formed the cornerstones of his success. Banking was his life, the source of his greatest satisfaction. He knew nothing else.
    "You should be looking at the heart of the matter, not just the numbers."
    He tried not to seem patronizing as he leaned back in his chair to listen to her womanish ramblings.
    "There is something that I bring to the table," she said, "that cannot be shown in any ledger. Something that will make the difference between success and failure."
    "And what, pray, is that?"
    She leaned forward, pressing her dainty hands on the desk again. The angle of her pose proved the truth of what he had suspected the moment she'd walked into the room— she wasn't wearing a corset. "Passion," she said in her naturally husky voice.
    Rand cleared his throat. "I beg your pardon."
    "Passion," she repeated, pushing back from the desk. "That is what I have for my enterprise. You cannot put a value on it, but it is the most tangible of all my assets."
    He tried not to stare at her uncorseted...assets."And