Some men send drinks. Josh Andrews sends a card.

No note. No explanation. Just a name, a number, and the kind of confidence that doesn't need to explain itself.

Chloe Lexton wasn't looking for anything the night she spotted him across the marina... a man in a charcoal suit with dark eyes and the audacity to disappear before she could decide what to do about him. She wrote it off. She's good at that. Moving on, staying sharp, keeping her life exactly the way she designed it.

Then the card showed up. And somehow, at 3:30 in the morning, she called.

That's where it starts. And nothing about it goes the way she planned.

Josh is brilliant, deliberate, and a little maddening. The kind of man who speaks in full sentences and means every word of them. He doesn't flirt. He makes offers. And the one he puts on the table is unlike anything Chloe has ever been asked to consider.

She should say no. She knows how to say no.

She doesn't say no.

What follows is a world she wasn't prepared for... his world, with its quiet power, its locked doors, and its rules she didn't know she'd agree to. But Chloe isn't a woman who gets swept away. She asks questions. She pushes back. She keeps score. And somewhere between the sunlight and the deep water, she starts to wonder if the most dangerous thing about Josh Andrews isn't the offer he made. It's how much she likes who she is when she's with him.