The Charm Offensive

Winning her over means winning everything

Sophie Callahan is PI Brad Harrington’s best lead to tracking down the man he’s been hired to bring to justice: Sophie’s own thieving father. But when Brad arrives at The Pampered Pooch, just behind a litter of stray kittens, the pet-store owner is the big surprise. This scrappy, huge-hearted woman with charm to spare gets to Brad in a way no one has ever been able to before. She spends her life finding—and making—homes for others: abandoned pets, her young niece. He’ll have to tell her why he’s really here. Which means he’ll have to choose between his sail-away dreams and the chance to build a forever home—with her.

“What do you want from me?”

“I don’t want anything.” Brad pointed to the stairs. “But there’s a little girl down there who thinks of you as her world. As her everything. As her—”

“Don’t say it.” Sophie lunged forward and pressed her palm over his mouth. “I’m better as Ella’s aunt.”

Brad pulled her hand off his mouth, anchoring her with their linked fingers. She searched his face, watched the emotions in his gaze and the words backing up against his closed lips. Maybe he finally understood.

“I lied.” His voice was low. “I do want something from you.”

Sophie waited. The attic seemed to be closing in on her. She shivered. “What?”

Brad tugged her close. “This.”

Sophie stopped fighting, stopped running and stopped hiding. There was so much she couldn’t be. Couldn’t have. But this moment, she’d take this.

Dear Reader,

As a child, our family hopscotched across the US for my father’s job. Living in Pittsburgh meant begging to be allowed into my brother’s backyard snow huts and cheering on the Steelers. Houston brought rodeos and the largest flying cockroaches I’ve ever seen. Northern California introduced us to towering redwood trees and Lake Tahoe. And Hawaii gave us Christmas Day at the beach and a sense of aloha that remains with me today. My parents’ relocations continued after my brothers and I moved out and I’ve been fortunate to experience even more new cities on my trips to visit them.

But one place has been a longtime favorite: San Francisco. I loved to visit the city as a child and I still cherish the time I lived there after college—ever grateful for the lasting friendships I made. Friends who today I consider family. I fell in love in the city and seventeen years later, my husband and I still talk about our first date to the Orpheum Theatre followed by a toast at The Fairmont Hotel.

I’m so thrilled to be able to write a series set in San Francisco with characters who discover all they’ve ever needed can be found in the City by the Bay, if they only open their hearts.

I love to connect with readers. Check my website to learn more about my upcoming books and sign up for email book announcements, or chat with me on Facebook (carilynnwebb) or Twitter (@carilynnwebb). Let me know what your favorite city is and I’ll add it to my ever-expanding places-to-visit list.

Happy reading!

Cari Lynn Webb

www.CariLynnWebb.com

The Charm Offensive

Cari Lynn Webb

www.millsandboon.co.uk

CARI LYNN WEBB lives in South Carolina with her husband, daughters and assorted four-legged family members. She’s been blessed to see the power of true love in her grandparents’ seventy-year marriage and her parents’ marriage of over fifty years. She knows love isn’t always sweet and perfect—it can be challenging, complicated and risky. But she believes happily-ever-afters are worth fighting for.

MILLS & BOON

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To my daughter, Emma, whose laughter brightens every day. I love you more than you know. Don’t ever stop laughing.

Special thanks to Melinda Curtis and Anna J. Stewart for answering every plotting SOS whether it was a late-night text, early morning email or last-minute Skype session. And thanks to my husband and family for their continuous encouragement and inspiration.

Contents

Cover

Back Cover Text

Introduction

Dear Reader

Title Page

About the Author

Dedication

CHAPTER ONE

CHAPTER TWO

CHAPTER THREE

CHAPTER FOUR

CHAPTER FIVE

CHAPTER SIX

CHAPTER SEVEN

CHAPTER EIGHT

CHAPTER NINE

CHAPTER TEN

CHAPTER ELEVEN

CHAPTER TWELVE

CHAPTER THIRTEEN

CHAPTER FOURTEEN

CHAPTER FIFTEEN

CHAPTER SIXTEEN

CHAPTER SEVENTEEN

CHAPTER EIGHTEEN

CHAPTER NINETEEN

CHAPTER TWENTY

CHAPTER TWENTY-ONE

CHAPTER TWENTY-TWO

CHAPTER TWENTY-THREE

CHAPTER TWENTY-FOUR

CHAPTER TWENTY-FIVE

CHAPTER TWENTY-SIX

CHAPTER TWENTY-SEVEN

CHAPTER TWENTY-EIGHT

EPILOGUE

Extract

Copyright

CHAPTER ONE

“THE WIRE TRANSFER was completed yesterday at the request of George Callahan.” The financial advisor for Pacific Bank and Trust in San Francisco watched Sophie Callahan over a bland manila file folder. “The account is empty.”

Empty. Sophie shifted sideways in the leather chair and crossed her legs as if that might minimize the impact of the woman’s firm yet unapologetic voice. An ache wrapped around Sophie’s throat and squeezed. “You’re certain?”

“Yes. The funds have been withdrawn.” She slid a floral tissue box closer to Sophie as if on cue. As if the efficient financial advisor had played out this scenario many times before and the tissues were standard procedure.

Sophie straightened her shoulders, refusing to slide back into the supple leather chair. The leather was pliant, not because it was expensive but rather from all the customers who’d collapsed after Beth Perkins, senior financial advisor, personally delivered their nightmares. “George Callahan is my father.”

“According to our paperwork, he’s joint owner of the savings account.” Beth opened the manila folder and spun the documents to face Sophie.

Sophie recognized the flourish of her grandmother’s signature in black ink on the bottom of the top page. Sophie’s grandmother had added Sophie to her savings account seven years ago, the very same day her grandmother had told Sophie about her terminal cancer. Her grandmother had never mentioned that her son, George Callahan, was also listed on the savings account. And Sophie had been too busy, first caring for her grandmother those final months, then building her pet-store business and watching her three-year-old niece, to worry about who had access to the bank account.

She struggled now to make herself heard. “All of the money has been moved, then?”

And by all of the money, Sophie referred to the funds her grandmother’s trust had released into the savings account at the first of the year with specific instructions to use for the purchase of the property where Sophie and her niece, Ella, lived. Sophie also referred to the additional money from the Pampered Pooch that she’d deposited at the end of every week so that one day, one day exactly twenty-nine days from now, Sophie would hold the title to the building in her own hands. And Ella would never again have to worry about losing the only home she’d ever known.

Sophie couldn’t let Ella down. She couldn’t fail her only niece. She couldn’t become another rotted branch on the careless Callahan family tree.

“Yes, all of the funds have been transferred from the account.” Beth put on a pair of trendy violet-framed glasses.

Ella would’ve loved the smooth lightweight glasses. But the oval shape only sharpened the woman’s gaze, as if that alone would force Sophie to focus.

Sophie was focused. On her empty bank account.

“There’s a balance due for the wire-transfer fee.” Beth closed the folder and pulled out her keyboard. “Usually that’s deducted from the funds, but for some reason that didn’t happen yesterday. Do you intend to clear that now?”

Sophie jerked back against the chair. “A fee?”

Her father had drained their joint savings account and left Sophie to pay the fee. Her back seemed to be pinned against the leather chair like the large Post-it note tacked to Beth’s bulletin board with “I love you mommy” written in blue marker and stamped with a greasy fingerprint. Sophie had never written notes like that to her parents. Notes like that refused to stick to vodka and gin bottles. As for fingerprints—well, generations of Callahan fingerprints were well documented at police stations across the nation.

Perhaps Sophie should’ve written notes like that to her father. Perhaps if she’d been a better daughter, George Callahan might’ve been a better father. A better father would not have drained the savings account without telling anyone. A better daughter would’ve been more diligent in anticipating such a disaster.

Beth stopped typing and looked across the desk at Sophie. “Would you like me to deduct the fee from your checking account?”

Sophie nodded, her head going up and down like one of those bobblehead dogs stuck to a vinyl dashboard. Because ready agreement was expected from people in stunned stupors. Shock scratched at her throat, stealing her voice and sucking every molecule of fresh air in the cubicle.

Beth’s smile was more of a flat grin, a quick twitch of acknowledgment that neither upset her glasses nor loosened her hair-sprayed updo.

Sophie’s account could not be empty. Not after all the sleepless nights, tears and hard work. That money had ensured Ella a home. That money had ensured that Ella would be safe.

Sophie slipped her fingers under her legs to keep herself still. To keep herself from wringing her hands or running her palms over her jeans in some falsely soothing gesture. She peeled her shoulders off the chair, leaned forward, then lied through a grin that revealed all of her teeth. “My father is always looking for the best return on our money.”

Beth offered another quick twitch of a grin. The twitch of a person who recognized a lie.

Sophie continued, “It was certainly thoughtful of him to move the money to a higher-yield bond.”

The only bond Sophie’s father knew was a jail bond. Had he taken the money to avoid prison? He’d never mentioned jail when he’d called for his weekly catch-up with Ella two nights ago. He’d mentioned a plan to Sophie.

But her father always had a plan. Always some new scheme in the works. That was nothing new. He’d told Sophie not to worry. But she always worried. And he’d told Sophie not to panic. Too late for that.

If only Sophie hadn’t been distracted by an eighty-pound poodle petrified by bathwater, she might’ve asked more questions about her father’s latest scheme. Then she might’ve been able to squelch the fear curdling up through her now. Sophie squeezed her leg. “Who doesn’t want more money these days, right?”

Beth kept up her rapid typing. The hard strike of each finger against the key seemed to punctuate every lie Sophie uttered. “We offer some of the best rates in the city.” Beth pushed a receipt across the desk. “It’s unfortunate your father didn’t meet with me. I could’ve helped him.”

It was unfortunate her father hadn’t spoken to anyone, mainly Sophie. It was unfortunate that Sophie had believed her money had been secure. It was unfortunate her father excelled at finding loopholes and using them to his advantage. He’d just never used Sophie as his advantage before.

Until now.

Beth removed her glasses and considered Sophie. “I certainly hope your father didn’t lock up the funds for a certain period of time given your balloon payment is due in less than four weeks.”

Sophie stretched her dry lips. “There’s one thing my father knows and that’s money.”

Her father knew how to invest in business ventures that stretched the legal limits, use small loans to place bets at racetracks and make timely deposits into slot machines in Reno.

But Sophie would not lose their home or her business. She’d been homeless at Ella’s age. No child should experience that depth of fear, especially her niece, who faced every day with courage and a smile. Without Ella’s smile, Sophie just might forget to smile herself. And if that happened, Sophie feared she might lose more than their home. She just might lose herself.

Sophie pushed out of the chair. She had to get outside. She needed to find more air. She needed to find something to stop the buzzing in her head. She needed to find her father. “I’ll have the money for the loan payment by the end of the month.”

“I’ll be here when you’re ready to make that payment.” Beth smiled and swiveled her chair toward her computer. “Enjoy the rest of your day, Ms. Callahan.”

Outside, Sophie leaned against the stone wall of Pacific Bank and Trust. Damp, cold air stuck to her cheeks like blistering hand slaps. Stoplights flashed in the thick fog, dull yellow flares of criticism and condemnation and failure. Even the pigeons nesting up inside the Pacific Bank and Trust sign never cooed, as if already aware she couldn’t afford to waste even one crumb.

Sophie searched the silver mist that had spilled into the city after yesterday’s winter storm, seeking the silent romance of the fog she usually loved. But only a dull grayness blanketed the streets. In front of her, a bus hissed to a stop. Its electric lines sparked and its brakes wheezed an acrid, bitter scent as its occupants spewed onto the sidewalk and scattered like bees from a harassed hive.

Cell phones chimed, coffee splattered the cement, paper bags with morning breakfast muffins crumbled as late workers rushed to their high-rise cubicles and corner offices. Inside the fog, the city pulsed, reminding Sophie that she was an adult and no longer ten years old, shivering and hungry in a one-room apartment with only her sister, who was just a year older than she was. Two little girls confused and scared and all because of George and Cindy Callahan.

How dare her father try to thrust her back into her past. She’d overcome her childhood with persistence and will and guts. He’d not put her back there.

She pushed away from the wall and strode along the sidewalk, stretching her legs into a run. Each smack of her running shoe on the concrete dislodged her panic and organized her thoughts, enough to quiet the frantic little girl that screamed inside her.

Her father had to be in some kind of trouble to take that much money. He knew what the funds were for. If he’d only told Sophie, she’d have helped him. He was her father. That’s what good daughters did, even when their fathers weren’t always good.

At the fourth block, she pulled out her cell phone and left her father a lengthy voice mail, pleading with him to call her. By the sixth block, she’d slowed to a fast walk and sent him four texts: two pleas, one appeal and one demand.

Eleven blocks later, standing outside the Pampered Pooch, Sophie wiped her forehead with the sleeve of her sweatshirt and checked her phone. No response.

Silence was nothing new from George Callahan. Her father had always drifted in and out of Sophie’s life. The length of his stays had increased the last few years and he always surfaced eventually. Yet this time, Sophie couldn’t wait. She had to find him and her money and soon.

For now though she had a business to run and a niece to get to school.

The bells chimed on the door. Sophie stepped inside, leaving that frightened little girl from years past outside on the sidewalk. Inside these walls, Sophie Callahan was a confident small-business owner and capable caretaker. There was simply no room for anything else, like doubt or nerves.

Sophie flipped the sign in the window to Open and greeted April, one of her three employees, the one who managed to be both her most reliable and most scattered employee in the same week. Sophie never quite knew which April would show up on any given workday. But even April not at her best was better than no one at all. “Did you get some sleep last night?”

April waddled over to settle on the stool behind the counter. A bandanna corralled her unruly burst of wild burnt-copper curls, and a tie-dyed sweatshirt almost contained her protruding belly. “Barely. The babies kicked all night and my maternity clothes barely fit anymore.”

“You’re seven-and-a-half months pregnant with twins—I imagine that’s typical.” Sophie used the rolling cart to prop open the swinging door to the back room.

“So is bed rest,” April muttered.

“Bed rest?” Sophie gripped, in a bear hug, the fifty-pound bag of dog food she was hefting, needing to squash the kernels of panic popping through her core. “As in ‘you have to stay in bed and can only get out to use the bathroom’ bed rest?”

“Yes, that kind exactly.” April rolled a paw-print pencil between her fingers, but wasn’t able to hide the misery in her voice.

Sophie adjusted the bag in her arms and walked down the center aisle, feeling uneasy. Selfishly, she needed April in the store, not in bed. Reliable April was good with customers and calming for the pets, and lately she’d been helping Sophie organize the Paws and Bark Bash. The gala would raise funds for service dog organizations and rescue groups that helped with homeless animals in the Bay Area. Now Sophie had her father to locate. Who’d run the store while Sophie chased down George?

She dropped the heavy bag on the bent shelf. She’d known April would go on maternity leave; she’d just assumed she’d have more time to prepare. Things were supposed to be different in four weeks when Sophie had paid her debts in full. Instead, all Sophie had was an empty bank account, a missing father and surging panic that’d consume her if she wasn’t careful.

Sophie glanced over the top shelf at April. Tears filled April’s eyes and slipped down her full cheeks. Sophie rushed to the younger woman, swiping the box of tissues from the far end of the counter. “You have to do what’s best for your babies. It’s going to be fine.”

Everything had to be fine. Sophie had no other choice.

“I can’t stay in bed all day.” April pressed a tissue to her eyes. “It’s best for my babies if I stay here during the day. With you and Troy and Erin doing the legwork, I could sit on this stool. Bed or stool, what does it matter?”

“Being in bed won’t be that bad.” Sophie handed April another tissue. “Besides, you have to follow the doctor’s orders for the babies’ safety.”

“I can’t do this.” More tears dampened April’s cheeks.

“We’ll get through it.” Sophie rubbed April’s shoulders. “Everything will work out.” Maybe if Sophie repeated it often enough and shouted it loud enough, she’d start to believe her own words.

Troy, full-time college student, part-time pet-shop worker, called out from the back room before he leaned around the cart in the doorway. “Soph, can you help with the morning arrivals?”

Sophie drew a deep breath. Her cell phone hadn’t vibrated in her back pocket. Her father hadn’t responded. She’d lost her entire savings and an employee in the same morning. That little panicked girl from her past tapped on the front window, wanting to be let in. Sophie turned her back on the store entrance. “I’ll help you get the dogs settled, then call Erin to see if she can come in earlier.”

The bell chimed on the front door behind Sophie, signaling the arrival of their first morning customer. Sophie ignored whoever it was. “April, do not move from this stool. If that customer needs assistance, I’ll be right back.” At April’s nod, Sophie rushed through the back to the two outdoor play yards.

Doggy day care was almost full. Her rescued Lab-mix and two senior cats had finally been adopted into their forever homes yesterday. Sophie ran some calculations, hoping that would be enough to cover Erin’s and Troy’s overtime. One day she wouldn’t have to budget by the hour. At least that had been the plan. In a notebook upstairs in her third-floor apartment, she’d designed an area for more kennels to offer long-term boarding services and allow her to take in more animal rescues. She’d mentally renovated the empty second-floor apartment for a vet’s office. She’d drawn the layout for her modern storefront. She’d visualized the growth of her business, visualized making the Pampered Pooch a full-service one-stop that catered to a pet’s every need, both house pets and service animals. Unfortunately, she’d never visualized the disappearance of all her money that’d ensure her future vision.

And, worse, she’d never visualized not living and working here, in this space. Their home. That rapping on the glass increased, the terrified tempo tripping through her. No, she wasn’t that forgotten little girl. She’d find her money and save everything.

Stepping around a crate of dog treats in the storage room, she texted an SOS to Ruthie Cain, her best friend since freshman year in high school. They’d bonded while waiting to be picked joint last for the volleyball team in PE. She strode through the cramped kennel area and pulled up short to avoid slamming into the male back filling the doorway. The man’s broad shoulders looked as if he could hold the weight of the world without stumbling.

But physical appearance wasn’t an indication of the size of one’s heart. She’d witnessed more strength of character in a thirty-pound toddler than in most grown men. That same toddler now stood just over four feet—a compact package of bravery, kindness and a pure heart who reminded Sophie every day that good still existed.

Her cell phone vibrated and she opened a new text from Ruthie. Help was less than ten minutes away.

“Excuse me.” Sophie stuffed her phone into her back pocket and squeezed around the man in the archway, but she didn’t manage to avoid contact. She popped out into the storefront and caught her running shoe on the wheel of the rolling cart. What was happening? She confronted the stranger, the rolling cart the only barrier between them. “This area has to remain clear.” And it wasn’t just for fire-code reasons.

“I’m attempting to clear the area now.” The man grinned at Sophie.

There was nothing symmetrical in the small smile that lifted only one side of his mouth, backed up into a sculpted cheekbone and sparked into his more green than brown eyes. She’d never quite understood that centuries-old fluttery feeling women described until now. She’d never liked being too warm or too queasy or too aware of those complicated emotional spots deep inside her. She blamed the single dimple denting his left cheek and wished he’d step behind the storage-room door. Instead, he studied Sophie as if she might be his next task on his own private to-do list. And made her wonder if she ranked first. Sophie told herself to focus and cleared her throat. “You need to move.”